|Received:||4/25/2005 2:28:00 PM|
|Organization:||Wells Fargo & Company|
|Agency:||Federal Trade Commission|
|Rule:||Notice of Proposed Study on the Effects of Credit Scores and Credit-based Insurance Scores on the Availability and Affordability of Financial Products|
Comments:The answers to many of the questions posed in the request for comment can be found in the book "An Introduction to Credit Scoring" by Edward M. Lewis which I believe is available through Fair Isaac Corporation. I would also recommend the paper published by Martell et al. of Fair Isaac in 1999 entitled "The Effectiveness of Scoring on Low-to-Moderate-Income and High-Minority Area Populations."