When was credit scoring invented?

>>3115052
Financial rating system?
Credit card system?
Testing scoring system?
Education credit system?

>>3115069
First/second one. The reason I ask is that my father wrote his doctoral thesis on his approach to credit scoring in the 70s and said it was quite a new subject.

>>3115052

After the Civil Rights Act. Credit scores were devised as a way to evaluate potential borrowers objectively and without the slightest hint of racial discrimination.

>>3115095
interdasting

>>3115052
Risk management.