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James McGirk

James McGirk

3 posts published

The Art and Science of Credit Scoring
Education

The Art and Science of Credit Scoring

Part three of the History of Credit, Credit Intelligence, and Credit Scoring which charts the gradual development of scoring and how it spread, eventually contributing to the credit crisis of 2009. Decentralized scoring is proposed as a potential solution.

  • James McGirk
  • Spectral
James McGirk, Spectral Dec 14, 2022 • 11 min read
Credit Intelligence and the Rise of the Bureaus
Education

Credit Intelligence and the Rise of the Bureaus

The second in our educational series detailing the history of credit, credit intelligence, and credit scoring. This article focuses on credit intelligence, which grew from informal rumor-mongering to a sophisticated surveillance empire.

  • James McGirk
  • Spectral
James McGirk, Spectral Nov 30, 2022 • 13 min read
Credit as a Zero-Sum Game (The First 3000 Years)
Education

Credit as a Zero-Sum Game (The First 3000 Years)

Civilization has gradually reframed borrowing from a zero-sum game of obligation to a mutually beneficial agreement. The first in a three-part series dedicated to the history of credit, credit intelligence, and credit modeling.

  • Spectral
  • James McGirk
Spectral, James McGirk Oct 27, 2022 • 10 min read
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