1. The Credit Granting Decision
2. Boyle, M., J. N. Crook, R. Hamilton, and L.C. Thomas, 1989, ‘Methods for Credit Scoring Applied to Slow Payers', Department of Business Studies, University of Edinburgh, Working Paper, 89/13.
3. Credit Scoring Systems: A Critical Analysis
4. Crook, J. N., R. Hamilton, and L. C. Thomas, 1989, ‘A Comparison of Discriminators under Alternative Definitions of Credit Default’, Department of Business Studies, University of Edinburgh, Working Paper, 89/12.