Thanks you for all your inputs! i think you have it spot on! I was worried that maybe it is not possible statistically, that signs can be opposite. But it seems more of a worry for business usage from credit scoring view. I have a further question - if one sign is opposite, how do I determine the weight of each factor in the final model? Currently, I am standardizing all factors (X-mean/std) and then rerunning the logistic equation - then I take the absolute value of the coefficients to arrive at the weights. I have a feeling this is probably not the best way, i am going wrong somewhere.
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