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What is Credit Score Analysis Using HMM Model about?

The document proposes using a Hidden Markov Model (HMM) to analyze credit score ratings. An HMM can classify credit scores as poor, fair, good or excellent based on financial parameters like credit cards, loans, income, and expenses without requiring fraud signatures. The HMM treats credit transactions as a stochastic process to detect anomalous spending habits. This approach reduces false positives in fraud detection compared to existing methods. The proposed system calculates credit scores and displays th

Author

Anonymous pKxfg8N

Language

EN