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      "kind": "list",
      "text": "Uniformly changing the overall credit risk scores\nModifying the weight of selected variables",
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      "text": "Origination scoring model performance review\nScorecard Cycle Plan Committee review",
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      "kind": "paragraph",
      "text": "Certain of its origination scoring models for consumer credit applicants are developed using advanced statistical tools to improve data interactions and evaluate and create more predictive variables, which enhance the model's ability to assess risk. Those models can sometimes place greater emphasis on newly created variables, which continue to be derived from certain information in the applicant's credit bureau report, with relatively less emphasis on traditional variables such as an applicant's FICO® score, which in turn enhance the model's ability to assess risk and more accurately assign a proprietary risk score",
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      "text": "Ford Credit's origination scoring models are developed internally based on Ford Credit's portfolio databases of millions of contracts originated over several decades. The model development process identifies key variables used to assign the applicant a proprietary risk score that predicts the probability of the applicant paying the amounts due under their contract",
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      "text": "Adjustments may be made to improve the performance of the origination scoring models between development cycles to react quickly to portfolio performance shifts and macroeconomic conditions. Adjustments may include:",
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      "text": "New origination scoring models are developed on a regular cycle plan",
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      "text": "Launch dates for the most recently redeveloped origination scoring models are as follows:",
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      "text": "Ford Credit regularly reviews its models to confirm the business significance and statistical predictability of the variables",
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      "text": "* For certain FICO segments",
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      "text": "U.S. Scoring Models\nConsumer\nCommercial\nCommercial Line of Credit\nRedevelopment Date\nMay 2023*, October 2023*, May 2024*\nJanuary 2024\nApril 2022",
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      "text": "Origination Scoring Models",
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