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How are account scores calculated?

Account scores are calculated by adding together the weighted values of each variable in the score.

This concept is best illustrated with an example. Let's say you define an account score called "Account Score" which uses Over 90 Past Due $ and Commercial Credit Score Percentile.

Account Score

Variable	Weight	Low	High	Points
Over 90 Past Due $	60%	10,001	100,000,000	0
		5,001	10,000	2
		1,001	5,000	4
		1	1,000	6
		0	0	10
CCS Percentile	40%	0	30	0
		30.01	50	2
		50.01	71	6
		71.01	91	8
		91.01	100	10

If an account's Over 90 Past Due $ is $2,500 and CCS Percentile is 70.22, then the "Account Score" would be calculated as follows:

Over 90 Past Due $ of 2,500 is between 1,001 and 5,000 and Over 90 Past Due $ is weighted 60%, so Over 90 Past Due $ is given 2.4 weighted points.

Variable	Weight	Low	High	Actual	Points	Weighted Points
Over 90 PD $	60%	10,001	100,000,000		0
		5,001	10,000		2
		1,001	5,000	2,500	4	60% x 4 points = 2.4
		1	1,000		5
		0	0		6

CCS Percentile of 70.22 is between 50.01 and 71 and CCS Percentile is weighted 40%, so CCS Percentile is given 2.4 weighted points.

Variable	Weight	Low	High	Actual	Points	Weighted Points
CCS Percentile	40%	0	30		0
		30.01	50		2
		50.01	71	70.22	6	40% x 6 points = 2.4
		71.01	91		8
		91.01	100		10

The weighted points for each variable in the score are then added together. In this example, Over 90 Past Due $ has 2.4 weighted points and CCS Percentile has 2.4 weighted points. Adding both weighted points together gives a final "Account Score" of 2.4 + 2.4 = 4.8 points.

Variable	Weight	Low	High	Actual	Points	Weighted Points
Over 90 PD $	60%	1,001	5,000	2,500	4	60% x 4 points = 2.4
CCS Percentile	40%	50.01	71	70.22	6	+ 40% x 6 points = 2.4
						Account Score 4.8