Hi Miguel, I completely understand what is being done by scoredcard node. My question is more regarding using WOE as independent variable vis-a-vis using the original binned variable. Let us assume i have a variable age which has been binned into 3 levels. If i use WOE of age as independent variable my equation will be Y = Int+ Beta*WOE_Age. Once i get this I could then multiply the beta with WOE for each level of age to get score for each level. Their is a formula for assigning score given my Naeem Siddique which is pretty clear. But what if I used my original binned age variable? Then my equation would be Y = Int + Beta1*Dummy_age1 + Beta2*Dummy_age2 (assuming level 3 as reference level). In this case how will i attribute score for each level if i use Score = Offset+ Factor*ln(odds) formula. Especially what will be the score for the reference level of my categorical variable? Let me know if my above question lacks clarity. Thanks, Hari
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