4-Most consultants have extensive experience building scorecards for use at application or for ongoing customer management.  We have developed a suite of tools (using core SAS and SQL functions) to streamline the scorecard building, implementation and monitoring process. We employ bootstrapping and other non-parametric techniques to estimate errors and handle situations where very few examples of “bad” are available.One of the major areas of open debate around scorecard development is the best way of handling the problem of Reject Inference – that is how best to remove bias from your scorecard sample due to historic preferential selection of low risk cases. We have developed methods to fully parameterise the assumptions being made and provide quantitative justification as to what level of correction is reasonable.