 In calculating the score, a range of data sources may be used, including data from an application form, from credit reference agencies or from products the customer already holds with the lender.The most widespread type of scorecard in use is the application scorecard, which lenders employ when a customer applies for a new credit product.The scorecard tries to predict the probability that the customer, if given the product, would become "bad" within a given timeframe, incurring losses for the lender.