The traditional form of a credit scoring model is a scorecard.
This is a table that contains a number of questions that an applicant is asked (called characteristics) and, for each such question, a list of possible answers (called attributes).
For example, one such characteristic may be the age of the applicant, and the attributes for this characteristic are then a number of age ranges into which an applicant can fall.
For each answer, the applicant receives a certain number of points – more if the attribute is one of low risk, fewer if the risk is higher.
If the application’s total score exceeds a specified cutoff number of points, it is recommended for acceptance.
(source: http://www.sas.com/resources/whitepaper/wp_10961.pdf)