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To develop a model, a creditor selects a random sample of its customers, or a sample of similar customers if their sample is not large enough, and analyzes it statistically to compare credit cards identify characteristics that relate to creditworthiness.
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With a completely different first and last name or alias you can keep all your original personal information or make up new personal information. Remember that your birthdate must always stay the same. And a no record found would surface both ways.
