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08-27-2014 06:17 AM

I have a question about set score for each factor not lower than 0 in sas credit scoring

For example

Age < 20 = -15 points

20<=Age<30 = 20 points

30<=Age<40 = 30 points

I just dont want any factors and any attributes shows score less than 0.

Thanks for you all help inadvance

Rospoint

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Solution

08-28-2014
09:19 AM

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Posted in reply to cmajorros

08-28-2014 09:19 AM

**Intercept Based Scorecard** to **Yes** to have all positive scores.

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Solution

08-28-2014
09:19 AM

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Posted in reply to cmajorros

08-28-2014 09:19 AM

**Intercept Based Scorecard** to **Yes** to have all positive scores.

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Posted in reply to WendyCzika

08-28-2014 11:16 PM

Thanks Wendy, It worked,but it seems like any factors of mine which have any attribute with score less than 0 were all eliminated. For example, I have 2 factors .1 of them have some attributes' score less than zero. After setting **Intercept Base Scorcard** to **Yes**. There are only 1 factors remained in the scorecard.

This is my understand about intercept properties. Ex. there are 2 factors: A and B . Both have the original score as below:

Factor A

Range 1 = 10

Range 2 = 20

Range 3 = 30

Range 4 = 40

Factor B

Range 1 = 10

Range 2 = -10

Range 3 = 10

Range 4 = 20

After setting intercept base score card , it should be like this right?

For Factor A Range 1 is the minimum Score is 10, therefore all attributed from Factor A will be subtracted with 10, so the new score will be

Range 1 = 0

Range 2 = 10

Range 3 = 20

Range 4 = 30

For Factor B, The minimum value is -10 therefore, all attributes from factor B will be plus 10 points , so the new score should be

Range 1 = 20

Range 2 = 0

Range 3 =20

Range 4 = 30

Is my basic assumption correct?

Anyway, After I set **Intercept Base Scorcard** to **Yes**. I found that there is only factor A remaining , B was eliminated. Moreover, I also got the intercept score like 20 or maybe another value. In practice, what do i have to do with this score?

Do I have to do anything with intercept score? what does this score work for? What I have to do, if i want the lost factor back? Thanks for you kindness. I am so new for this fields. and one more question, How does the intercept score calculate? So sorry for so long questions, I am rookie and not statistician, really need you all advice and help. Thanks for you all kindness in advance

Regards,

Ros

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Posted in reply to cmajorros

08-29-2014 11:16 AM

My colleague Miguel and I are both unable to reproduce this behavior, so we can't figure out why this is happening for you. The same factors should be displayed in your scorecard whether you are doing an intercept based scorecard or not (just with scores re-scaled as you show above), so if that is not the case, you can contact SAS Technical Support to help you with this: Technical Support Form.

Good luck!

Wendy

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Posted in reply to WendyCzika

08-29-2014 12:38 PM

Thank you so much Windy. i am appreciated for you all kindness. You all did very good job. Thanks again