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# How to set minimum credit scoring point not less than 0

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
SAS Super FREQ
Posts: 306

## Re: How to set minimum credit scoring point not less than 0

If you are using the Scorecard node in Credit Scoring for SAS Enterprise Miner, you can set the property Intercept Based Scorecard to Yes to have all positive scores.

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Solution
‎08-28-2014 09:19 AM
SAS Super FREQ
Posts: 306

## Re: How to set minimum credit scoring point not less than 0

If you are using the Scorecard node in Credit Scoring for SAS Enterprise Miner, you can set the property Intercept Based Scorecard to Yes to have all positive scores.

Contributor
Posts: 20

## Re: How to set minimum credit scoring point not less than 0

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

SAS Super FREQ
Posts: 306

## Re: How to set minimum credit scoring point not less than 0

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

Contributor
Posts: 20