A credit scoring method and a server are provided. The method includes: determining at least one target user set in a plurality of user sets. The at least one target user set includes first behavior-unknown users whose predicted profit values are higher than second behavior-unknown users, the second behavior-unknown users are users other than the first behavior-unknown users on an application platform. The method also includes determining credit scores of first behavior-unknown users according to credit scores of behavior-known users in at least one determined target user set; obtaining first user samples from the first behavior-unknown users according to credit records of the first behavior-unknown users, the first user samples having profit values that satisfy a preset threshold; and performing credit scoring for a user according to a second scoring model obtained through training a first scoring model according to the first user samples and second user samples.