Scoring jest to metoda polegająca na ocenie ryzyka niewypłacalności klienta. Opiera się na przyznawaniu punktów potencjalnemu pożyczkobiorcy na podstawie jego zachowań i historii kredytowej. Większa ilość uzyskanych punktów, to większa szansa na atrakcyjne warunki kredytowe. Scoring dotyczy nie tylko klientów indywidualnych, ale również firm. W Polsce główną instytucją tworzącą raporty scoringowe jest BIK, jednak większość instytucji udzielających pożyczki przeprowadza analizę samodzielnie.
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