You have already set
up the project and partitioned the input data. In this chapter, you
will create the credit scorecard by performing the following tasks:
-
You will group the characteristic variables into attributes.
-
You will use a logistic regression model to create
an initial scorecard.
-
You will perform reject inference on the logistic
regression model
-
You will create the final scorecard using the information
obtained in the previous steps.
Note that the above
steps are only part of the scorecard development process. Other tasks
(such as exploratory data analysis, variable selection, and model
comparison), while important, are not included in this tutorial.