I came across a nice, lucid and very readable document at the http://cran.r-project.org/doc/contrib/Sharma-CreditScoring.pdf
Credit Scoring is really a bread and butter activity at many analytics shopfloors, and I really liked the way Credit Scoring is explained and executed by the author- which can be used by any user regardless of experience.
Sharma-CreditScoringhttp://www.scribd.com/embeds/74139509/content?start_page=1&view_mode=list&access_key=key-ttkkmxe3hkmq3ic746c//
DECISION STATS 