The books listed below provide a comprehensive explanation of credit scoring from its history to the building methodology and how it integrates the whole decision process:

- Raymond Anderson (2007), The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation
- Raymond Anderson (2019), Credit Intelligence & Modelling: Many Paths through the Forest of Credit Rating and Scoring
- Naeem Siddiqi (2005), Credit Risk Scorecards: Developing and Implementing Intelligent Credit Scoring

Binning:

- https://github.com/jstephenj14/Monotonic-WOE-Binning-Algorithm: Implementation of the paper below
- Pavel Mironchyk and Viktor Tchistiakov (2017), Monotone optimal binning algorithm for credit risk modeling
- https://github.com/ShichenXie/scorecardpy: Implementation of scorecard tools, the project uses the binning for categorical variables.