All of the different contexts are available in the matrices except Co-Applicant.  This includes high, low, best, and worst.  While these contexts have clear advantages, when two or more of these contexts are used together in a matrix, an artificially good or bad picture can be created.

 

For example, a Credit Union (CU) uses the “Best” context for both a Bankruptcy score and a FICO-based score in the Decision Matrix.  The first applicant has little credit, little debt, and no derogatory items and consequently has a low risk of Bankruptcy.  His FICO score, however, is low.  The co-applicant has a long history of good credit history, but has recently overextended himself with debt and it shows in his Bankruptcy score, but not in his FICO score - which is good.  Neither applicant is ideal, but when you take the Best FICO score and the Best Bankruptcy score, you paint a picture of a virtually risk-free applicant.

 

The "Both" context – unique to the matrices – provides a solution.  Selecting the “Both Bankruptcy Score” and “Both FICO score” indicates that both applicants’ complete picture is to be evaluated by plotting out their respective scores individually by applicant.  The CU indicates which applicant’s results should be used through an Evaluation Method: “Most favorable result” or “Least favorable result”.

 

The end result is the best (or worst) applicant is used rather than the best or worst scores.

 

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