How do credit scoring models differ from standard credit scores (like FICO)?

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Credit scoring models tell you what the interest rate should be on the loan; standard credit scores tell you whether someone should get a loan.

Credit scoring models are based on a financial institutions proprietory data; standard credit scores are based on general population information on credit behavior from credit bureau files.

Credit scoring models are used for industrial lending while standard credit scores are used for small business lending.

Credit scoring models use logistic regression to predict default while standard credit scores use multiple regression models to predict default.