Rocha, GonçaloPreto, Ana Figueiredo Costa2016-08-042016-08-042016-062016-06http://hdl.handle.net/10362/18615This study aims to explore the possibility of a financial entity to produce a predicted model of default. The study aims to compares the performance of an existing model, the FICO and an alternative model, based on cluster analysis method with dataset available. A third option is presented for the analyses of default, which it is the junction of both models. This third method can be implemented in two different ways: the two models agreeing with acceptance of the loan or the two models approving the rejection of the loan.engCredit ScoringClustering AnalysesMortgage defaultBehaviourStatistical Modelmaster thesis201525976