The use of credit scoring can be used to assist the analysis of credit risk in assessing the eligibility of the applicant. As a valuable method for credit rating, data mining has been proven. Many credit scoring models for determining the creditworthiness of loan applicants have been established over the last few years. With an obligation to repay over a period of time, credit provides access to capital today, There may be financial sources, or they may consist of goods or services. Today, credit has become a very necessary component of daily life. Although credit cards are currently the most common type of loan, other credit plans include, among others, residential mortgages, car loans, student loans, small business loans, commercial lending, and bonds.