with a better browsing experience; allow us to assess, monitor, and improve the website’s
performance; and enable our partners to advertise to you. You may disable the cookies by changing
the settings in your browser, and you may tell us not to share your cookie data with third parties.
One way to leverage the value of big data is through the use of characteristics — predictive model components that translate low-level information from multiple fields and records into potent predictive features. Well-crafted characteristics find signals and actionable insights to support portfolio decisions. The FICO® Master File Characteristic Library offers the most useful characteristics today for developing predictive models for many different applications.