Consumer reputation score • /r/MachineLearning

In this case, a consumer achieves a higher credit score if he/she has not defaulted on previous transactions and a lower one if he/she has had several previously failed transactions. Assuming I've sufficient historical data to work with that has labeled transactions for failure/success, what would be the class of machine learning techniques I should be looking into? I believe it could be a regression problem, but I'm not quite sure. Several research papers deal with estimating consumer credit risk but I'm uncertain if this is what I'm supposed to be looking at.