R Notebook
The term ‘Vintage’ refers to the month or quarter in which account was opened (loan was granted). In simple words, the vintage analysis measures the performance of a portfolio in different periods of time after the loan (or credit card) was granted.
In simple words, it is the risk of borrower not repaying loan, credit card or any other type of loan.
#load libraries
library(dplyr)##
## Attaching package: 'dplyr'## The following objects are masked from 'package:stats':
##
## filter, lag## The following objects are masked from 'package:base':
##
## intersect, setdiff, setequal, unionlibrary(lubridate)##
## Attaching package: 'lubridate'## The following objects are masked from 'package:base':
##
## date, intersect, setdiff, unionlibrary(Rprofet)## Warning: package 'Rprofet' was built under R version 4.2.3library(dlookr)##
## Attaching package: 'dlookr'## The following object is masked from 'package:base':
##
## transformlibrary(flextable)#read the data
data = read.csv("E:/MScDataScience/predictive/projectgroup/April Vintage 2013.csv")
#checking the data
str(data)## 'data.frame': 92630 obs. of 24 variables:
## $ ID : int 24508841 24508841 24508841 24508841 24508841 24508841 24508841 24508841 24508841 24508841 ...
## $ OpenDate : chr "4/2/2013" "4/2/2013" "4/2/2013" "4/2/2013" ...
## $ DatePrevStmt : chr "NULL" "4/8/2013" "5/9/2013" "6/7/2013" ...
## $ StatementDt : chr "4/8/2013" "5/9/2013" "6/7/2013" "7/9/2013" ...
## $ MOB : int 0 1 2 3 4 5 6 7 8 9 ...
## $ ExtStatus : chr " " " " " " " " ...
## $ IntStatus : chr " " " " " " " " ...
## $ DaysDeliq : int 0 0 0 0 0 0 0 0 0 0 ...
## $ ActualMinPay : num 30 30 30 30 30 30 30 30 30 30 ...
## $ OverlimitAmount : num 0 0 0 0 0 0 0 0 0 0 ...
## $ DisplayMinPay : num 30 30 30 30 30 30 30 30 30 30 ...
## $ OpeningBalance : num 0 180 154 160 268 ...
## $ BillLateCharge : num 0 0 0 0 0 0 0 25 0 0 ...
## $ EndingBalance : num 180 154 160 268 246 ...
## $ CreditLimit : int 300 300 300 300 300 300 300 300 300 300 ...
## $ TotalNetPayments : num 0 30 30 30 30 30 30 30 30 30 ...
## $ TotalNetPurchaseAndCash: num 0 0 19.6 130 0 ...
## $ TotalFeesBilled : num 0 4.5 15.66 8.18 7.89 ...
## $ Concessions : num 0 0 0 0 0 0 0 0 0 0 ...
## $ QuarterlyCreditScore : int 0 536 536 536 536 515 515 515 515 509 ...
## $ Bscore : int 11 636 639 644 648 657 662 655 655 657 ...
## $ City : chr "NORTH LAS VEGAS " "NORTH LAS VEGAS " "NORTH LAS VEGAS " "NORTH LAS VEGAS " ...
## $ State : chr "NV" "NV" "NV" "NV" ...
## $ ZipCode : int 89031 89031 89031 89031 89031 89031 89031 89031 89031 89031 ...summary(data)## ID OpenDate DatePrevStmt StatementDt
## Min. :24508841 Length:92630 Length:92630 Length:92630
## 1st Qu.:24798025 Class :character Class :character Class :character
## Median :24817216 Mode :character Mode :character Mode :character
## Mean :24807089
## 3rd Qu.:24836995
## Max. :24856424
## MOB ExtStatus IntStatus DaysDeliq
## Min. : 0.000 Length:92630 Length:92630 Min. : 0.00
## 1st Qu.: 3.000 Class :character Class :character 1st Qu.: 0.00
## Median : 7.000 Mode :character Mode :character Median : 0.00
## Mean : 7.273 Mean : 25.54
## 3rd Qu.:12.000 3rd Qu.: 30.00
## Max. :17.000 Max. :390.00
## ActualMinPay OverlimitAmount DisplayMinPay OpeningBalance
## Min. : 0.0 Min. : 0.00 Min. :-401.01 Min. :-500.6
## 1st Qu.: 30.0 1st Qu.: 0.00 1st Qu.: 30.00 1st Qu.: 175.0
## Median : 30.0 Median : 0.00 Median : 33.71 Median : 304.6
## Mean : 63.2 Mean : 28.39 Mean : 84.99 Mean : 333.3
## 3rd Qu.: 60.0 3rd Qu.: 30.19 3rd Qu.: 90.00 3rd Qu.: 441.9
## Max. :1237.0 Max. :2199.63 Max. :2374.63 Max. :2499.6
## BillLateCharge EndingBalance CreditLimit TotalNetPayments
## Min. : 0.000 Min. :-500.6 Min. : 0.0 Min. :-817.77
## 1st Qu.: 0.000 1st Qu.: 203.1 1st Qu.:300.0 1st Qu.: 0.00
## Median : 0.000 Median : 310.6 Median :300.0 Median : 30.00
## Mean : 8.553 Mean : 351.4 Mean :428.7 Mean : 60.25
## 3rd Qu.:25.000 3rd Qu.: 455.9 3rd Qu.:700.0 3rd Qu.: 68.97
## Max. :35.000 Max. :2499.6 Max. :900.0 Max. :2770.07
## TotalNetPurchaseAndCash TotalFeesBilled Concessions
## Min. :-2007.74 Min. :-359.350 Min. :-607.8700
## 1st Qu.: 0.00 1st Qu.: 5.902 1st Qu.: 0.0000
## Median : 0.00 Median : 15.050 Median : 0.0000
## Mean : 59.46 Mean : 22.306 Mean : -0.7421
## 3rd Qu.: 63.88 3rd Qu.: 38.550 3rd Qu.: 0.0000
## Max. : 2488.63 Max. : 190.520 Max. : 414.3100
## QuarterlyCreditScore Bscore City State
## Min. : 0.0 Min. : 11.0 Length:92630 Length:92630
## 1st Qu.:513.0 1st Qu.:556.0 Class :character Class :character
## Median :576.0 Median :624.0 Mode :character Mode :character
## Mean :521.2 Mean :532.5
## 3rd Qu.:626.0 3rd Qu.:651.0
## Max. :798.0 Max. :717.0
## ZipCode
## Min. : 605
## 1st Qu.:29102
## Median :46224
## Mean :51290
## 3rd Qu.:77703
## Max. :99775#checking the data
dim(data)## [1] 92630 24str(data)## 'data.frame': 92630 obs. of 24 variables:
## $ ID : int 24508841 24508841 24508841 24508841 24508841 24508841 24508841 24508841 24508841 24508841 ...
## $ OpenDate : chr "4/2/2013" "4/2/2013" "4/2/2013" "4/2/2013" ...
## $ DatePrevStmt : chr "NULL" "4/8/2013" "5/9/2013" "6/7/2013" ...
## $ StatementDt : chr "4/8/2013" "5/9/2013" "6/7/2013" "7/9/2013" ...
## $ MOB : int 0 1 2 3 4 5 6 7 8 9 ...
## $ ExtStatus : chr " " " " " " " " ...
## $ IntStatus : chr " " " " " " " " ...
## $ DaysDeliq : int 0 0 0 0 0 0 0 0 0 0 ...
## $ ActualMinPay : num 30 30 30 30 30 30 30 30 30 30 ...
## $ OverlimitAmount : num 0 0 0 0 0 0 0 0 0 0 ...
## $ DisplayMinPay : num 30 30 30 30 30 30 30 30 30 30 ...
## $ OpeningBalance : num 0 180 154 160 268 ...
## $ BillLateCharge : num 0 0 0 0 0 0 0 25 0 0 ...
## $ EndingBalance : num 180 154 160 268 246 ...
## $ CreditLimit : int 300 300 300 300 300 300 300 300 300 300 ...
## $ TotalNetPayments : num 0 30 30 30 30 30 30 30 30 30 ...
## $ TotalNetPurchaseAndCash: num 0 0 19.6 130 0 ...
## $ TotalFeesBilled : num 0 4.5 15.66 8.18 7.89 ...
## $ Concessions : num 0 0 0 0 0 0 0 0 0 0 ...
## $ QuarterlyCreditScore : int 0 536 536 536 536 515 515 515 515 509 ...
## $ Bscore : int 11 636 639 644 648 657 662 655 655 657 ...
## $ City : chr "NORTH LAS VEGAS " "NORTH LAS VEGAS " "NORTH LAS VEGAS " "NORTH LAS VEGAS " ...
## $ State : chr "NV" "NV" "NV" "NV" ...
## $ ZipCode : int 89031 89031 89031 89031 89031 89031 89031 89031 89031 89031 ...summary(data)## ID OpenDate DatePrevStmt StatementDt
## Min. :24508841 Length:92630 Length:92630 Length:92630
## 1st Qu.:24798025 Class :character Class :character Class :character
## Median :24817216 Mode :character Mode :character Mode :character
## Mean :24807089
## 3rd Qu.:24836995
## Max. :24856424
## MOB ExtStatus IntStatus DaysDeliq
## Min. : 0.000 Length:92630 Length:92630 Min. : 0.00
## 1st Qu.: 3.000 Class :character Class :character 1st Qu.: 0.00
## Median : 7.000 Mode :character Mode :character Median : 0.00
## Mean : 7.273 Mean : 25.54
## 3rd Qu.:12.000 3rd Qu.: 30.00
## Max. :17.000 Max. :390.00
## ActualMinPay OverlimitAmount DisplayMinPay OpeningBalance
## Min. : 0.0 Min. : 0.00 Min. :-401.01 Min. :-500.6
## 1st Qu.: 30.0 1st Qu.: 0.00 1st Qu.: 30.00 1st Qu.: 175.0
## Median : 30.0 Median : 0.00 Median : 33.71 Median : 304.6
## Mean : 63.2 Mean : 28.39 Mean : 84.99 Mean : 333.3
## 3rd Qu.: 60.0 3rd Qu.: 30.19 3rd Qu.: 90.00 3rd Qu.: 441.9
## Max. :1237.0 Max. :2199.63 Max. :2374.63 Max. :2499.6
## BillLateCharge EndingBalance CreditLimit TotalNetPayments
## Min. : 0.000 Min. :-500.6 Min. : 0.0 Min. :-817.77
## 1st Qu.: 0.000 1st Qu.: 203.1 1st Qu.:300.0 1st Qu.: 0.00
## Median : 0.000 Median : 310.6 Median :300.0 Median : 30.00
## Mean : 8.553 Mean : 351.4 Mean :428.7 Mean : 60.25
## 3rd Qu.:25.000 3rd Qu.: 455.9 3rd Qu.:700.0 3rd Qu.: 68.97
## Max. :35.000 Max. :2499.6 Max. :900.0 Max. :2770.07
## TotalNetPurchaseAndCash TotalFeesBilled Concessions
## Min. :-2007.74 Min. :-359.350 Min. :-607.8700
## 1st Qu.: 0.00 1st Qu.: 5.902 1st Qu.: 0.0000
## Median : 0.00 Median : 15.050 Median : 0.0000
## Mean : 59.46 Mean : 22.306 Mean : -0.7421
## 3rd Qu.: 63.88 3rd Qu.: 38.550 3rd Qu.: 0.0000
## Max. : 2488.63 Max. : 190.520 Max. : 414.3100
## QuarterlyCreditScore Bscore City State
## Min. : 0.0 Min. : 11.0 Length:92630 Length:92630
## 1st Qu.:513.0 1st Qu.:556.0 Class :character Class :character
## Median :576.0 Median :624.0 Mode :character Mode :character
## Mean :521.2 Mean :532.5
## 3rd Qu.:626.0 3rd Qu.:651.0
## Max. :798.0 Max. :717.0
## ZipCode
## Min. : 605
## 1st Qu.:29102
## Median :46224
## Mean :51290
## 3rd Qu.:77703
## Max. :99775#Creating a variable called Bad
data$Bad = ifelse(data$DaysDeliq>=60 | (data$ExtStatus != "C" & data$ExtStatus != ' '),1,0)
sum(data$Bad)## [1] 18183table(data$Bad)##
## 0 1
## 74447 18183#Getting the data which has month on books = 3
library(lubridate)
data$StatementDt = as.Date(data$StatementDt)
MOB3Data = data[data$MOB == 3,]
MOB3Data = MOB3Data %>%
group_by(ID) %>%
slice(which.max(StatementDt))
dim(MOB3Data)## [1] 2945 25#Getting data with each account's highest statement date
newData = data %>%
group_by(ID) %>%
slice(which.max(as.Date(StatementDt)) )
#Checking to make sure that there are no duplicate account number
sum(duplicated(newData$ID))## [1] 0#Getting last observed bad value to replace bad value for when the months on books =s 3
newData_subset <- newData[newData$ID %in% MOB3Data$ID, ]
MOB3Data$Bad[match(MOB3Data$ID, newData_subset$ID)] <- newData_subset$Bad
BadRate = round(sum(MOB3Data$Bad)/length(MOB3Data$ID)*100,2)
paste("The bad rate is: ", BadRate, "%.")## [1] "The bad rate is: 42.89 %."#Calculating Write-off dollars
MOB3Data$WriteOffDollars = ifelse(MOB3Data$Bad == 1, MOB3Data$EndingBalance, 0)
sum(MOB3Data$WriteOffDollars)## [1] 547776.4summary(MOB3Data$WriteOffDollars)## Min. 1st Qu. Median Mean 3rd Qu. Max.
## 0.0 0.0 0.0 186.0 375.2 916.8#summary of the data
summary(MOB3Data)## ID OpenDate DatePrevStmt StatementDt
## Min. :24508841 Length:2945 Length:2945 Min. :0007-03-20
## 1st Qu.:24777030 Class :character Class :character 1st Qu.:0007-09-20
## Median :24803066 Mode :character Mode :character Median :0007-09-20
## Mean :24786722 Mean :0007-10-02
## 3rd Qu.:24814332 3rd Qu.:0007-10-20
## Max. :24855267 Max. :0007-12-20
## MOB ExtStatus IntStatus DaysDeliq
## Min. :3 Length:2945 Length:2945 Min. : 0.00
## 1st Qu.:3 Class :character Class :character 1st Qu.: 0.00
## Median :3 Mode :character Mode :character Median : 0.00
## Mean :3 Mean :22.89
## 3rd Qu.:3 3rd Qu.:31.00
## Max. :3 Max. :91.00
## ActualMinPay OverlimitAmount DisplayMinPay OpeningBalance
## Min. : 0.00 Min. : 0.0 Min. : 0.00 Min. :-237.0
## 1st Qu.: 30.00 1st Qu.: 0.0 1st Qu.: 30.00 1st Qu.: 241.7
## Median : 42.00 Median : 0.0 Median : 44.00 Median : 310.0
## Mean : 57.94 Mean : 32.0 Mean : 89.82 Mean : 347.5
## 3rd Qu.: 90.00 3rd Qu.: 47.7 3rd Qu.:127.83 3rd Qu.: 391.4
## Max. :219.00 Max. :427.2 Max. :586.96 Max. : 845.9
## BillLateCharge EndingBalance CreditLimit TotalNetPayments
## Min. : 0.00 Min. :-397.8 Min. : 0.0 Min. :-550.20
## 1st Qu.: 0.00 1st Qu.: 261.8 1st Qu.:300.0 1st Qu.: 0.00
## Median : 0.00 Median : 333.1 Median :300.0 Median : 30.00
## Mean :14.09 Mean : 373.1 Mean :409.3 Mean : 60.49
## 3rd Qu.:35.00 3rd Qu.: 433.6 3rd Qu.:700.0 3rd Qu.: 70.00
## Max. :35.00 Max. : 916.8 Max. :700.0 Max. :1225.00
## TotalNetPurchaseAndCash TotalFeesBilled Concessions
## Min. :-155.40 Min. :-252.17 Min. :-100.0000
## 1st Qu.: 0.00 1st Qu.: 8.58 1st Qu.: 0.0000
## Median : 11.67 Median : 24.36 Median : 0.0000
## Mean : 60.76 Mean : 24.90 Mean : -0.5866
## 3rd Qu.: 77.98 3rd Qu.: 45.02 3rd Qu.: 0.0000
## Max. :1051.52 Max. : 83.41 Max. : 45.0000
## QuarterlyCreditScore Bscore City State
## Min. : 0.0 Min. :234.0 Length:2945 Length:2945
## 1st Qu.:529.0 1st Qu.:576.0 Class :character Class :character
## Median :582.0 Median :621.0 Mode :character Mode :character
## Mean :552.3 Mean :570.6
## 3rd Qu.:625.0 3rd Qu.:648.0
## Max. :791.0 Max. :695.0
## ZipCode Bad WriteOffDollars
## Min. : 693 Min. :0.0000 Min. : 0.0
## 1st Qu.:28043 1st Qu.:0.0000 1st Qu.: 0.0
## Median :43758 Median :0.0000 Median : 0.0
## Mean :49204 Mean :0.4289 Mean :186.0
## 3rd Qu.:76543 3rd Qu.:1.0000 3rd Qu.:375.2
## Max. :99705 Max. :1.0000 Max. :916.8#Exploratory data analysis
#obtaining histogram of numeric variables from the input data
par(mfrow = c(3,2))
hist(MOB3Data$DaysDeliq, main = 'Histogram of DaysDeliq variable', xlab = "Days Delinquent", col = "red")
hist(MOB3Data$ActualMinPay, main = 'Histogram of ActualMinPay variable', xlab = "Days ActualMinPay", col = "blue")
hist(MOB3Data$OverlimitAmount, main = 'Histogram of OverlimitAmount variable', xlab = "Overlimit Amount", col = "green")
hist(MOB3Data$DisplayMinPay, main = 'Histogram of DisplayMinPay variable', xlab = "Display Minimum Pay", col ='yellow')
hist(MOB3Data$OpeningBalance, main = 'Histogram of OpeningBalance variable', xlab = "Opening Balance", col = 'purple')
hist(MOB3Data$BillLateCharge, main = 'Histogram of BillLateCharge variable', xlab = "BillLateCharge", col = 'darkgreen')
hist(MOB3Data$EndingBalance, main = 'Histogram of EndingBalance variable', xlab = "Ending Balance", col = 'maroon')
hist(MOB3Data$CreditLimit, main = 'Histogram of CreditLimit variable', xlab = "Credit Limit", col = 'green')
hist(MOB3Data$TotalNetPayments, main = 'Histogram of TotalNet \n Payments variable', xlab = "Total Net Payments", col = 'violet')
hist(MOB3Data$TotalNetPurchaseAndCash, main = "Histogram of TotalNetPurchase \n AndCash variable", xlab = "Total Net Purchases and Cash", col = 'darkblue')
hist(MOB3Data$TotalFeesBilled, main = 'Histogram of TotalFees \n Billed variable', xlab = "Total Fees Billed", col = 'darkred')
hist(MOB3Data$Concessions, main = 'Histogram of Concessions variable', xlab = "Concessions", col = 'yellow')
hist(MOB3Data$QuarterlyCreditScore, main = 'Histogram of QuarterlyCredit \n Score variable', xlab = "Quarterly Credit Score", col = 'orange')
hist(MOB3Data$Bscore, main = 'Histogram of \n Bscore variable', xlab = "Behavior Score", col = 'green')
hist(MOB3Data$WriteOffDollars, col = "blue", main = "Histogram of \n Write Off Dollars")
hist(MOB3Data$Bad, col = 'pink', main = 'Histogram of Bad')
#sUMMARY tables for external status and internal status
table(MOB3Data$ExtStatus)##
## C E F I Z
## 2533 70 20 320 1 1table(MOB3Data$IntStatus)##
## D N O X
## 1450 104 11 321 1059
#Calculating lifetime purchase activities
LifetimePurchasesTotal = aggregate(TotalNetPurchaseAndCash ~ ID, data, sum)
colnames(LifetimePurchasesTotal) = c("ID", "LifeTimePurchases")
LifetimePurchasesMin = aggregate(TotalNetPurchaseAndCash ~ ID, data, min)
colnames(LifetimePurchasesMin) = c("ID", "MinLifeTimePurchases")
LifetimePurchasesMin = LifetimePurchasesMin[,-1]
LifetimePurchasesMax = aggregate(TotalNetPurchaseAndCash ~ ID, data, max)
colnames(LifetimePurchasesMax) = c("ID", "MaxLifeTimePurchases")
LifetimePurchasesMax =LifetimePurchasesMax[,-1]
LifetimePurchasesMean = aggregate(TotalNetPurchaseAndCash ~ ID, data, mean)
colnames(LifetimePurchasesMean) = c("ID", "AvgLifeTimePurchases")
LifetimePurchasesMean = LifetimePurchasesMean[,-1]
#Calculating and lifetime purchase activities
LifetimePaymentsTotal = aggregate(TotalNetPayments ~ ID, data, sum)
colnames(LifetimePaymentsTotal) = c("ID", "LifeTimePayments")
LifetimePaymentsTotal = LifetimePaymentsTotal[,-1]
LifetimePaymentsMin = aggregate(TotalNetPayments ~ ID, data, min)
colnames(LifetimePaymentsMin) = c("ID", "MinLifeTimePayments")
LifetimePaymentsMin = LifetimePaymentsMin[,-1]
LifetimePaymentsMax = aggregate(TotalNetPayments ~ ID, data, max)
colnames(LifetimePaymentsMax) = c("ID", "MaxLifeTimePayments")
LifetimePaymentsMax = LifetimePaymentsMax[,-1]
LifetimePaymentsMean = aggregate(TotalNetPayments ~ ID, data, mean)
colnames(LifetimePaymentsMean) = c("ID", "AvgLifeTimePayments")
LifetimePaymentsMean =LifetimePaymentsMean[,-1]
LifetimeActivity = data.frame(LifetimePurchasesTotal, LifetimePurchasesMin, LifetimePurchasesMax, LifetimePurchasesMean, LifetimePaymentsTotal, LifetimePaymentsMin, LifetimePaymentsMax, LifetimePaymentsMean)
dim(LifetimeActivity)## [1] 7038 9head(LifetimeActivity)# summarizing the new lifetime activity
summary(LifetimeActivity)## ID LifeTimePurchases LifetimePurchasesMin LifetimePurchasesMax
## Min. :24508841 Min. : -57.5 Min. :-2007.740 Min. : 0.0
## 1st Qu.:24794684 1st Qu.: 232.9 1st Qu.: 0.000 1st Qu.: 155.4
## Median :24815692 Median : 588.6 Median : 0.000 Median : 253.5
## Mean :24804400 Mean : 782.6 Mean : -2.361 Mean : 283.3
## 3rd Qu.:24835123 3rd Qu.: 1021.0 3rd Qu.: 0.000 3rd Qu.: 397.7
## Max. :24856424 Max. :17551.9 Max. : 0.000 Max. :2488.6
## LifetimePurchasesMean LifetimePaymentsTotal LifetimePaymentsMin
## Min. :-11.50 Min. : -190.0 Min. :-817.770
## 1st Qu.: 23.97 1st Qu.: 80.0 1st Qu.: 0.000
## Median : 42.71 Median : 614.1 Median : 0.000
## Mean : 52.54 Mean : 792.9 Mean : -4.709
## 3rd Qu.: 69.47 3rd Qu.: 1132.6 3rd Qu.: 0.000
## Max. :975.11 Max. :18134.7 Max. : 0.000
## LifetimePaymentsMax LifetimePaymentsMean
## Min. : 0 Min. : -19.000
## 1st Qu.: 50 1st Qu.: 9.367
## Median : 140 Median : 38.409
## Mean : 196 Mean : 48.157
## 3rd Qu.: 300 3rd Qu.: 68.439
## Max. :2770 Max. :1007.485#Exploratory data analysis of Lifetime purchases and lifetime payments
par(mfrow = c(1,3))
hist(LifetimeActivity$LifetimePurchasesMin, col = "lightgreen", main = "Histogram of Minimum \n Lifetime Purchases", breaks = 10)
hist(LifetimeActivity$LifetimePurchasesMax, col = 'darkgreen', main = "Histogram of Maximum \n Lifetime Purchases", breaks = 10)
hist(LifetimeActivity$LifetimePurchasesMean, col = 'green', main = "Histogram of Average \n Lifetime Purchases", breaks = 10) 
hist(LifetimeActivity$LifeTimePurchases, col = 'blue', main = "Histogram of Total \n Lifetime Purchases", breaks = 10)
hist(LifetimeActivity$LifetimePaymentsMin, col = "maroon", main = "Histogram of Minimum \n Lifetime Payments", breaks = 10)
hist(LifetimeActivity$LifetimePaymentsMax, col = 'red', main = "Histogram of Maximum \n Lifetime Payments", breaks = 10) 
hist(LifetimeActivity$LifetimePaymentsMean, col = 'pink', main = "Histogram of Average \n Lifetime Payments", breaks = 10)
hist(LifetimeActivity$LifetimePaymentsTotal, col = 'orange', main = "Histogram of Total \n Lifetime Payments", breaks = 10, )
# Creating possible gain loss variable
LifetimeActivity$PossibleGainLoss = LifetimeActivity$LifetimePurchasesMean - LifetimeActivity$LifetimePaymentsMean
sum(LifetimeActivity$PossibleGainLoss)## [1] 30855.53summary(LifetimeActivity$PossibleGainLoss)## Min. 1st Qu. Median Mean 3rd Qu. Max.
## -100.000 -9.101 0.000 4.384 10.336 206.435#Combining lifetime activity to the final dataset for modelling
newData_subset = LifetimeActivity[LifetimeActivity$ID %in% MOB3Data$ID, ]
MOB3Data = data.frame(MOB3Data, newData_subset[,-1])
#Binning and plotting the data
#Creating buckets
MOB3Data$del_bin = cut(MOB3Data$DaysDeliq, breaks = c(0, 30, 60, Inf), right = F)
MOB3Data$act_min_pay_bin = cut(MOB3Data$ActualMinPay, breaks = c(0, 50, 100, 150, 200,Inf), right = F)
MOB3Data$overlimit_bin = cut(MOB3Data$OverlimitAmount, breaks = c(-Inf,0,100, 200,300, Inf), right = F)
MOB3Data$open_blan_bin = cut(MOB3Data$OpeningBalance, breaks = c(-Inf, 0, 200, 400, 600, Inf), right = F)
MOB3Data$bill_charge_bin = cut(MOB3Data$BillLateCharge, breaks = c(-Inf, 0, 10, 20, 30, Inf), right = F)
MOB3Data$end_bal_bin = cut(MOB3Data$EndingBalance, breaks = c(-Inf, 0, 200, 400, 600, 800, Inf),right = F)
MOB3Data$credLmt_bin = cut(MOB3Data$CreditLimit, breaks = c(-Inf,250,500, Inf), right = F)
MOB3Data$TNP_bin = cut(MOB3Data$TotalNetPayments, breaks = c(-Inf, -250, 0, 250, 500, 750,1000,Inf), right = F)
MOB3Data$TNPC_bin = cut(MOB3Data$TotalNetPurchaseAndCash, breaks = c(-Inf, 0, 200, 400,600, 800,Inf), right = F)
MOB3Data$feebilled_bin = cut(MOB3Data$TotalFeesBilled, breaks = c(-Inf, 0, 25, 50,Inf), right = F)
MOB3Data$conces_bin = cut(MOB3Data$Concessions, breaks = c(-Inf,0,10, 20,30, Inf), right = F)
MOB3Data$cred_Score_bin = cut(MOB3Data$QuarterlyCreditScore, breaks = c(-Inf,0,200,400, 600, Inf), right = F)
MOB3Data$LifetimePay_bin = cut(MOB3Data$LifetimePaymentsTotal, breaks = c(-Inf, 0, 250, 500, 750, 1000, Inf ), right = F)
MOB3Data$LifetimePur_bin = cut(MOB3Data$LifeTimePurchases, breaks = c(-Inf, 0, 3000, 6000,12000,Inf ), right = F)
MOB3Data$ChargeOffDollars_bin = cut(MOB3Data$WriteOffDollars, breaks = c(-Inf, 200, 400, 600, Inf), right = F)
MOB3Data$GainLossBin = cut(MOB3Data$PossibleGainLoss, breaks = c(-Inf, 0, 50,100,150, Inf), right = F)
MOB3Data$AvgLifetimePurchasesBin =cut(MOB3Data$LifetimePurchasesMean, breaks = c(-Inf, 0, 200, 400,600,800,Inf), right = F)
MOB3Data$MaxLifetimePurchasesBin = cut(MOB3Data$LifetimePurchasesMax, breaks = c(-Inf, 0, 1000, 2000, Inf), right = F )
MOB3Data$MinLifetimePurchasesBin = cut(MOB3Data$LifetimePurchasesMin, breaks = c(-Inf, -2000, -1000, 0, 1000, 2000, Inf), right = F )
MOB3Data$MinLifetimePaymentsBin = cut(MOB3Data$LifetimePaymentsMin, breaks = c(-Inf, -471, -271, -71, Inf), right = F )
MOB3Data$MaxLifetimePaymentsBin = cut(MOB3Data$LifetimePaymentsMax, breaks = c(-Inf, 0, 500, 1000, 1500, Inf), right = F )
MOB3Data$AvgLifetimePaymentsBin = cut(MOB3Data$LifetimePaymentsMean, breaks = c(-Inf, 0, 200, 400, 600, 800, Inf), right = F )#Plotting the binned data
par(mfrow = c(1,3))
delinquent = aggregate(Bad~del_bin, data = MOB3Data, FUN = mean)
barplot(Bad ~ del_bin, data = delinquent, col = 'pink' , xlab = " Days Delinquent ", main = "Days Delinquent vs Bad")
billed = aggregate(Bad~feebilled_bin, data = MOB3Data, FUN = mean )
barplot(Bad~feebilled_bin, data = billed, col = "blue", xlab = " Fees Billed Amount", main = "Fees Billed Amount vs Bad")
LtChg = aggregate(Bad~bill_charge_bin, data = MOB3Data, FUN = mean )
barplot(Bad~bill_charge_bin, data = LtChg, col = "royalblue", xlab = " Late Charge Amount", main = "Late Charge Amount vs Bad")
####################################################
credscr = aggregate(Bad~cred_Score_bin, data = MOB3Data, FUN = mean)
barplot(Bad~cred_Score_bin, data = credscr, col = 'maroon', xlab = " Credit Score", main = "Quarterly Credit Score vs Bad")
NetPmts = aggregate(Bad~TNP_bin, data = MOB3Data, FUN = mean )
barplot(Bad~TNP_bin, data = NetPmts, col = "green", xlab = " Total Net Payments Amount", main = "Total Net Payments vs Bad")
AvgLftPrchs = aggregate(Bad~AvgLifetimePurchasesBin, data = MOB3Data, FUN = mean)
barplot(Bad~AvgLifetimePurchasesBin, data = AvgLftPrchs, col = "green", xlab = " Avg Lifetime Purchase Amount", main = "Avg Lifetime Purchase Amount vs Bad")
Purchs = aggregate(Bad~TNPC_bin, data = MOB3Data, FUN = mean )
barplot(Bad~TNPC_bin, data = Purchs, col = "pink", xlab = " Total Net Purchases and Cash", main = "Total Net Purchases and Cash vs Bad")
lftPur = aggregate(Bad~LifetimePur_bin, data = MOB3Data, FUN = mean)
barplot(Bad~LifetimePur_bin, data = lftPur, col = 'orange', xlab = " Lifetime Purchases Amount", main = " Lifetime Purchases Amount vs Bad")
AvgLftPmts = aggregate(Bad~AvgLifetimePaymentsBin, data = MOB3Data, FUN = mean)
barplot(Bad~AvgLifetimePaymentsBin, data = AvgLftPmts, col = "pink", xlab = " Avg Lifetime Payments Amount", main = "Avg Lifetime Payment Amount vs Bad")
minPay = aggregate(Bad~act_min_pay_bin, data = MOB3Data, FUN = mean )
barplot(Bad~act_min_pay_bin, data = minPay, col = "maroon", xlab = " ActualMinPay",main = "Actual Min. Pay vs Bad")
overLMT = aggregate(Bad~overlimit_bin, data = MOB3Data, FUN = mean )
barplot(Bad~overlimit_bin, data = overLMT, col = "green", xlab = " Overlimit Amount", main = "Overlimit Amount vs Bad")
ChgOff = aggregate(Bad~ChargeOffDollars_bin, data = MOB3Data, FUN = mean)
barplot(Bad~ChargeOffDollars_bin, data = ChgOff, col = 'pink', xlab = " Chargeoff Amount", main = " Chargeoff Amount vs Bad")
opnBal = aggregate(Bad~open_blan_bin, data = MOB3Data, FUN = mean )
barplot(Bad~open_blan_bin, data = opnBal, col = "orange", xlab = " Opening Balance Amount", main = "Opening Balance vs Bad")
EndBal = aggregate(Bad~end_bal_bin, data = MOB3Data, FUN = mean )
barplot(Bad~end_bal_bin, data = EndBal, col = "green", xlab = " Ending Balance Amount", main = "Ending Balance Amount vs Bad")
CredLim = aggregate(Bad~credLmt_bin, data = MOB3Data, FUN = mean )
barplot(Bad~credLmt_bin, data = CredLim, col = "yellow", xlab = " Credit Limit Amount", main = "Credit Limit Amount vs Bad")
concess = aggregate(Bad~conces_bin, data = MOB3Data, FUN = mean )
barplot(Bad~conces_bin, data = concess, col = "red", xlab = " Concession Amount", main = "Concession Amount vs Bad")
GainLoss = aggregate(Bad~GainLossBin, data = MOB3Data, FUN = mean)
barplot(Bad~GainLossBin, data = GainLoss, col = "orange", xlab = " Possible Gain/Loss Amount", main = "Possible Gain/Loss Amount vs Bad")
MaxLftPrchs = aggregate(Bad~MaxLifetimePurchasesBin, data = MOB3Data, FUN = mean)
barplot(Bad~MaxLifetimePurchasesBin, data = MaxLftPrchs, col = "red", xlab = " Max Lifetime Purchase Amount", main = "Max Lifetime Purchase Amount vs Bad")
MinLftPrchs = aggregate(Bad~MinLifetimePurchasesBin, data = MOB3Data, FUN = mean)
barplot(Bad~MinLifetimePurchasesBin, data = MinLftPrchs, col = "blue", xlab = " Min Lifetime Purchase Amount", main = "Min Lifetime Purchase Amount vs Bad")
MinLftPmts = aggregate(Bad~MinLifetimePaymentsBin, data = MOB3Data, FUN = mean)
barplot(Bad~MinLifetimePaymentsBin, data = MinLftPmts, col = "blue", xlab = " Min Lifetime Payments Amount", main = "Min Lifetime Payment Amount vs Bad")
MaxLftPmts = aggregate(Bad~MaxLifetimePaymentsBin, data = MOB3Data, FUN = mean)
barplot(Bad~MaxLifetimePaymentsBin, data = MaxLftPmts, col = "red", xlab = " Max Lifetime Payments Amount", main = "Max Lifetime Payment Amount vs Bad")
#summarizing the binned data
summary(MOB3Data$del_bin) #days delinquent bin## [0,30) [30,60) [60,Inf)
## 1782 475 688summary(MOB3Data$act_min_pay_bin) #actual minimum payment bin## [0,50) [50,100) [100,150) [150,200) [200,Inf)
## 1711 753 367 76 38summary(MOB3Data$overlimit_bin) #overlimit amount bin## [-Inf,0) [0,100) [100,200) [200,300) [300, Inf)
## 0 2551 379 13 2summary(MOB3Data$open_blan_bin) #opening balance bin## [-Inf,0) [0,200) [200,400) [400,600) [600, Inf)
## 13 546 1676 199 511summary(MOB3Data$bill_charge_bin) #late charge bin## [-Inf,0) [0,10) [10,20) [20,30) [30, Inf)
## 0 1647 3 291 1004summary(MOB3Data$end_bal_bin)#ending balance bin## [-Inf,0) [0,200) [200,400) [400,600) [600,800) [800, Inf)
## 11 422 1527 443 439 103summary(MOB3Data$credLmt_bin) #Credit limit bin ## [-Inf,250) [250,500) [500, Inf)
## 14 2149 782summary(MOB3Data$TNP_bin) # total net payments bin## [-Inf,-250) [-250,0) [0,250) [250,500) [500,750) [750,1e+03)
## 2 7 2755 151 26 2
## [1e+03, Inf)
## 2summary(MOB3Data$TNPC_bin) # total net purchases and cash bin## [-Inf,0) [0,200) [200,400) [400,600) [600,800) [800, Inf)
## 7 2650 240 37 9 2summary(MOB3Data$feebilled_bin) #total fees billed bin ## [-Inf,0) [0,25) [25,50) [50, Inf)
## 46 1434 1203 262summary(MOB3Data$conces_bin) #concessions bill## [-Inf,0) [0,10) [10,20) [20,30) [30, Inf)
## 65 2876 0 1 3summary(MOB3Data$cred_Score_bin) #quarterly credit score bin## [-Inf,0) [0,200) [200,400) [400,600) [600, Inf)
## 0 153 0 1623 1169summary(MOB3Data$LifetimePay_bin)#lifetime payments bin## [-Inf,0) [0,250) [250,500) [500,750) [750,1e+03) [1e+03, Inf)
## 1 999 290 367 392 896summary(MOB3Data$LifetimePur_bin)# Lifetime purchases and cash bin## [-Inf,0) [0,3e+03) [3e+03,6e+03) [6e+03,1.2e+04) [1.2e+04, Inf)
## 4 2883 54 3 1summary(MOB3Data$ChargeOffDollars_bin) # writeoff dollars bin ## [-Inf,200) [200,400) [400,600) [600, Inf)
## 1729 663 311 242summary(MOB3Data$GainLossBin) #possible gain/loss bin ## [-Inf,0) [0,50) [50,100) [100,150) [150, Inf)
## 1516 1276 106 47 0summary(MOB3Data$MaxLifetimePurchasesBin) #Maximum lifetime purchases bin## [-Inf,0) [0,1e+03) [1e+03,2e+03) [2e+03, Inf)
## 0 2934 10 1summary(MOB3Data$MinLifetimePurchasesBin) #Minimum lifetime purchases bin## [-Inf,-2e+03) [-2e+03,-1e+03) [-1e+03,0) [0,1e+03) [1e+03,2e+03)
## 1 0 117 2827 0
## [2e+03, Inf)
## 0summary(MOB3Data$MinLifetimePaymentsBin) #Lifetime Payments bin## [-Inf,-471) [-471,-271) [-271,-71) [-71, Inf)
## 5 14 37 2889summary(MOB3Data$MaxLifetimePaymentsBin) #Maximum lifetime payments bin## [-Inf,0) [0,500) [500,1e+03) [1e+03,1.5e+03) [1.5e+03, Inf)
## 0 2719 215 9 2summary(MOB3Data$AvgLifetimePaymentsBin) #Average lifetime payments bin## [-Inf,0) [0,200) [200,400) [400,600) [600,800) [800, Inf)
## 1 2903 39 1 0 1summary(MOB3Data$AvgLifetimePurchasesBin) #Average lifetime purchases bin## [-Inf,0) [0,200) [200,400) [400,600) [600,800) [800, Inf)
## 4 2903 36 1 0 1dim(MOB3Data)## [1] 2945 57diagnose(MOB3Data)One way to do it. I used the dlookr package for binning
Using Bscore
# optimal binning using character
bin <- binning_by(MOB3Data, "Bad", "Bscore")
bin## binned type: optimal
## number of bins: 8
## x
## [234,241] (241,533] (533,558] (558,596] (596,618] (618,626] (626,658] (658,695]
## 340 181 162 342 391 183 839 507plot(bin, typographic = FALSE)
# extract binned results
extract(bin) %>%
head(20)## [1] (626,658] (626,658] (533,558] (241,533] (558,596] (596,618] (533,558]
## [8] [234,241] [234,241] (533,558] (658,695] (596,618] (533,558] [234,241]
## [15] (658,695] (626,658] [234,241] (658,695] [234,241] (626,658]
## 8 Levels: [234,241] < (241,533] < (533,558] < (558,596] < ... < (658,695]Using the Quaterly Credit card score
# optimal binning using character
qbin <- binning_by(MOB3Data, "Bad", "QuarterlyCreditScore")
qbin## binned type: optimal
## number of bins: 3
## x
## [0,571] (571,655] (655,791]
## 1338 1291 316plot(qbin, typographic = FALSE)
# optimal binning using character
tnpbin <- binning_by(MOB3Data, "Bad", "TotalNetPayments")
tnpbin## binned type: optimal
## number of bins: 2
## x
## [-550,10] (10,1.22e+03]
## 1189 1756plot(tnpbin, typographic = FALSE)
# optimal binning using character
ddbin <- binning_by(MOB3Data, "Bad", "DaysDeliq")
ddbin## binned type: optimal
## number of bins: 4
## x
## [-1,0] (0,31] (31,61] (61,91]
## 1782 475 305 383plot(ddbin, typographic = FALSE)
# optimal binning using character
obbin <- binning_by(MOB3Data, "Bad", "OpeningBalance")
obbin## binned type: optimal
## number of bins: 6
## x
## [-237,220] (220,308] (308,330] (330,405] (405,728] (728,846]
## 642 794 154 657 531 167plot(obbin, typographic = FALSE)
library(tidyverse)## ── Attaching core tidyverse packages ──────────────────────── tidyverse 2.0.0 ──
## ✔ forcats 1.0.0 ✔ stringr 1.5.0
## ✔ ggplot2 3.4.1 ✔ tibble 3.1.8
## ✔ purrr 1.0.1 ✔ tidyr 1.3.0
## ✔ readr 2.1.4
## ── Conflicts ────────────────────────────────────────── tidyverse_conflicts() ──
## ✖ purrr::compose() masks flextable::compose()
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## ℹ Use the ]8;;http://conflicted.r-lib.org/conflicted package]8;; to force all conflicts to become errorsnewData <- MOB3Data %>%
rename("state" = "State")library(usmap)## Warning: package 'usmap' was built under R version 4.2.3plot_usmap(data = newData, values = "Bad", labels = TRUE) 
library(caret)## Loading required package: lattice##
## Attaching package: 'caret'## The following object is masked from 'package:purrr':
##
## liftlibrary(randomForest)## randomForest 4.7-1.1## Type rfNews() to see new features/changes/bug fixes.##
## Attaching package: 'randomForest'## The following object is masked from 'package:ggplot2':
##
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##
## combinedf_new <- MOB3Data %>% select(c(5:21), 25)diagnose(df_new)# convert characters to factors
df_new$ExtStatus <- as.factor(df_new$ExtStatus)
df_new$IntStatus <- as.factor(df_new$IntStatus)Feature selection using Boruta algorithm
library(Boruta)
boruta <- Boruta(Bad~., data = df_new, doTrace = 2) #using boruta## 1. run of importance source...## 2. run of importance source...## 3. run of importance source...## 4. run of importance source...## 5. run of importance source...## 6. run of importance source...## 7. run of importance source...## 8. run of importance source...## 9. run of importance source...## 10. run of importance source...## 11. run of importance source...## After 11 iterations, +11 secs:## confirmed 15 attributes: ActualMinPay, BillLateCharge, Bscore, CreditLimit, DaysDeliq and 10 more;## rejected 1 attribute: MOB;## still have 1 attribute left.## 12. run of importance source...## 13. run of importance source...## 14. run of importance source...## 15. run of importance source...## After 15 iterations, +15 secs:## confirmed 1 attribute: Concessions;## no more attributes left.print(boruta)## Boruta performed 15 iterations in 14.61622 secs.
## 16 attributes confirmed important: ActualMinPay, BillLateCharge,
## Bscore, Concessions, CreditLimit and 11 more;
## 1 attributes confirmed unimportant: MOB;plot(boruta, xlab = "", xaxt = "n")
lz<-lapply(1:ncol(boruta$ImpHistory),function(i)
boruta$ImpHistory[is.finite(boruta$ImpHistory[,i]),i])
names(lz) <- colnames(boruta$ImpHistory)
Labels <- sort(sapply(lz,median))
axis(side = 1,las=2,labels = names(Labels),
at = 1:ncol(boruta$ImpHistory), cex.axis = 0.7)
model_df <- df_new %>% select(-1) # remove MOB#load required libraries
library(dlookr)
library(tidyverse)
library(caret)
library(GGally)## Registered S3 method overwritten by 'GGally':
## method from
## +.gg ggplot2library(rstatix)##
## Attaching package: 'rstatix'## The following object is masked from 'package:stats':
##
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## histogramlibrary(naniar)
library(Hmisc)## Loading required package: survival##
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##
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##
## format.pval, unitslibrary(VIM)## Loading required package: colorspace## Loading required package: grid## VIM is ready to use.## Suggestions and bug-reports can be submitted at: https://github.com/statistikat/VIM/issues##
## Attaching package: 'VIM'## The following object is masked from 'package:datasets':
##
## sleeplibrary(RWeka)
library(mice)##
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##
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##
## cbind, rbindlibrary(tree)
library(partykit)## Loading required package: libcoin## Loading required package: mvtnorm##
## Attaching package: 'partykit'## The following object is masked from 'package:flextable':
##
## widthlibrary(maptree)## Loading required package: cluster## Loading required package: rpartlibrary(blorr)
library(pROC)## Type 'citation("pROC")' for a citation.##
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##
## cov, smooth, varlibrary(rpart.plot)
library(sjPlot)
library(flextable)model building
# model building
model_df <- model_df %>% mutate(bad = case_when(Bad == 0 ~ "No",
Bad == 1 ~ "Yes")) #recode Bad as yes and no
model_df <- model_df[, -17] #remove Bad# split the data
set.seed(123)
training.samples <- model_df$bad %>% createDataPartition(p = 0.6, list = FALSE)
train <- model_df[training.samples, ]
test <- model_df[-training.samples, ]oj_trControl = trainControl(
method = "cv",
number = 10,
savePredictions = "final", # save preds for the optimal tuning parameter
classProbs = TRUE, # class probs in addition to preds
summaryFunction = twoClassSummary
)
# build a tree model
set.seed(1234)
tree_mod1 <- train(
bad ~ .,
data = train,
method = "rpart",
tuneLength = 5,
metric = "ROC",
trControl = oj_trControl
)
print(tree_mod1)## CART
##
## 1768 samples
## 16 predictor
## 2 classes: 'No', 'Yes'
##
## No pre-processing
## Resampling: Cross-Validated (10 fold)
## Summary of sample sizes: 1592, 1591, 1591, 1591, 1591, 1591, ...
## Resampling results across tuning parameters:
##
## cp ROC Sens Spec
## 0.002638522 0.8415361 0.8881188 0.6794211
## 0.003298153 0.8390793 0.8881188 0.6820175
## 0.003957784 0.8383830 0.8970297 0.6767544
## 0.005277045 0.8124698 0.9178218 0.6488772
## 0.564643799 0.6319360 0.9584158 0.3054561
##
## ROC was used to select the optimal model using the largest value.
## The final value used for the model was cp = 0.002638522.tree_mod1$finalModel # check the final model## n= 1768
##
## node), split, n, loss, yval, (yprob)
## * denotes terminal node
##
## 1) root 1768 758 No (0.57126697 0.42873303)
## 2) Bscore>=590.5 1222 271 No (0.77823241 0.22176759)
## 4) Bscore>=622.5 880 129 No (0.85340909 0.14659091) *
## 5) Bscore< 622.5 342 142 No (0.58479532 0.41520468)
## 10) QuarterlyCreditScore>=657.5 19 1 No (0.94736842 0.05263158) *
## 11) QuarterlyCreditScore< 657.5 323 141 No (0.56346749 0.43653251)
## 22) OverlimitAmount< 37.825 275 111 No (0.59636364 0.40363636)
## 44) EndingBalance< 204.65 19 3 No (0.84210526 0.15789474) *
## 45) EndingBalance>=204.65 256 108 No (0.57812500 0.42187500)
## 90) TotalNetPurchaseAndCash< 299.605 249 102 No (0.59036145 0.40963855)
## 180) EndingBalance>=353.635 69 20 No (0.71014493 0.28985507)
## 360) OpeningBalance< 668.25 32 3 No (0.90625000 0.09375000) *
## 361) OpeningBalance>=668.25 37 17 No (0.54054054 0.45945946)
## 722) TotalFeesBilled< 25.28 16 4 No (0.75000000 0.25000000) *
## 723) TotalFeesBilled>=25.28 21 8 Yes (0.38095238 0.61904762) *
## 181) EndingBalance< 353.635 180 82 No (0.54444444 0.45555556)
## 362) QuarterlyCreditScore< 607 145 58 No (0.60000000 0.40000000)
## 724) TotalFeesBilled< 37.385 116 40 No (0.65517241 0.34482759)
## 1448) TotalNetPurchaseAndCash>=235.15 13 1 No (0.92307692 0.07692308) *
## 1449) TotalNetPurchaseAndCash< 235.15 103 39 No (0.62135922 0.37864078)
## 2898) TotalNetPayments< 47.5 58 15 No (0.74137931 0.25862069) *
## 2899) TotalNetPayments>=47.5 45 21 Yes (0.46666667 0.53333333)
## 5798) TotalFeesBilled< 11.275 34 15 No (0.55882353 0.44117647)
## 11596) Bscore< 614.5 23 7 No (0.69565217 0.30434783) *
## 11597) Bscore>=614.5 11 3 Yes (0.27272727 0.72727273) *
## 5799) TotalFeesBilled>=11.275 11 2 Yes (0.18181818 0.81818182) *
## 725) TotalFeesBilled>=37.385 29 11 Yes (0.37931034 0.62068966) *
## 363) QuarterlyCreditScore>=607 35 11 Yes (0.31428571 0.68571429)
## 726) QuarterlyCreditScore>=619.5 24 11 Yes (0.45833333 0.54166667)
## 1452) EndingBalance< 279.625 9 2 No (0.77777778 0.22222222) *
## 1453) EndingBalance>=279.625 15 4 Yes (0.26666667 0.73333333) *
## 727) QuarterlyCreditScore< 619.5 11 0 Yes (0.00000000 1.00000000) *
## 91) TotalNetPurchaseAndCash>=299.605 7 1 Yes (0.14285714 0.85714286) *
## 23) OverlimitAmount>=37.825 48 18 Yes (0.37500000 0.62500000)
## 46) ActualMinPay>=99.5 11 2 No (0.81818182 0.18181818) *
## 47) ActualMinPay< 99.5 37 9 Yes (0.24324324 0.75675676)
## 94) TotalNetPurchaseAndCash>=83.82 7 2 No (0.71428571 0.28571429) *
## 95) TotalNetPurchaseAndCash< 83.82 30 4 Yes (0.13333333 0.86666667) *
## 3) Bscore< 590.5 546 59 Yes (0.10805861 0.89194139)
## 6) EndingBalance< 340.95 95 38 Yes (0.40000000 0.60000000)
## 12) DisplayMinPay< 90.875 46 20 No (0.56521739 0.43478261)
## 24) EndingBalance< 284.26 12 1 No (0.91666667 0.08333333) *
## 25) EndingBalance>=284.26 34 15 Yes (0.44117647 0.55882353)
## 50) DisplayMinPay>=85.09 13 3 No (0.76923077 0.23076923) *
## 51) DisplayMinPay< 85.09 21 5 Yes (0.23809524 0.76190476) *
## 13) DisplayMinPay>=90.875 49 12 Yes (0.24489796 0.75510204)
## 26) TotalFeesBilled< 36.975 20 10 No (0.50000000 0.50000000)
## 52) OverlimitAmount>=33.49 13 3 No (0.76923077 0.23076923) *
## 53) OverlimitAmount< 33.49 7 0 Yes (0.00000000 1.00000000) *
## 27) TotalFeesBilled>=36.975 29 2 Yes (0.06896552 0.93103448) *
## 7) EndingBalance>=340.95 451 21 Yes (0.04656319 0.95343681) *# plot the decision tree model
rpart.plot(tree_mod1$finalModel)
prp(tree_mod1$finalModel)
train$bad <-as.factor(train$bad)
tree.carseats <- tree(bad ~ ., train)summary(tree.carseats)##
## Classification tree:
## tree(formula = bad ~ ., data = train)
## Variables actually used in tree construction:
## [1] "Bscore"
## Number of terminal nodes: 5
## Residual mean deviance: 0.8296 = 1463 / 1763
## Misclassification error rate: 0.1867 = 330 / 1768plot(tree.carseats)
text(tree.carseats , pretty = 0)
# compute confusion matrix
treemod1_cart1 <- bind_cols(
predict(tree_mod1, newdata = test, type = "prob"),
Predicted = predict(tree_mod1, newdata = test, type = "raw"),
Actual = test$bad
)
treemod1_cart1$Actual <- as.factor(treemod1_cart1$Actual)
treemod1_cart2 <- confusionMatrix(treemod1_cart1$Predicted, treemod1_cart1$Actual)
treemod1_cart2## Confusion Matrix and Statistics
##
## Reference
## Prediction No Yes
## No 576 150
## Yes 96 355
##
## Accuracy : 0.791
## 95% CI : (0.7666, 0.8139)
## No Information Rate : 0.5709
## P-Value [Acc > NIR] : < 2.2e-16
##
## Kappa : 0.5677
##
## Mcnemar's Test P-Value : 0.0007271
##
## Sensitivity : 0.8571
## Specificity : 0.7030
## Pos Pred Value : 0.7934
## Neg Pred Value : 0.7871
## Prevalence : 0.5709
## Detection Rate : 0.4894
## Detection Prevalence : 0.6168
## Balanced Accuracy : 0.7801
##
## 'Positive' Class : No
## # plot the roc curve
mdl_auc <- Metrics::auc(actual = treemod1_cart1$Actual == "No", treemod1_cart1$No)
yardstick::roc_curve(treemod1_cart1, Actual, No) %>%
autoplot() +
labs(
title = "tree1 ROC Curve ",
subtitle = paste0("AUC = ", round(mdl_auc, 4))
)## Warning: Returning more (or less) than 1 row per `summarise()` group was deprecated in
## dplyr 1.1.0.
## ℹ Please use `reframe()` instead.
## ℹ When switching from `summarise()` to `reframe()`, remember that `reframe()`
## always returns an ungrouped data frame and adjust accordingly.
## ℹ The deprecated feature was likely used in the yardstick package.
## Please report the issue at <]8;;https://github.com/tidymodels/yardstick/issueshttps://github.com/tidymodels/yardstick/issues]8;;>.
# visualize variable importance
plot(varImp(tree_mod1), main="Variable Importance with tree1")
set.seed(1234)
logit_mod1 <- train(
bad ~ .,
data = train,
method = "glmStepAIC",
tuneLength = 5,
metric = "ROC",
trControl = oj_trControl
)## Start: AIC=1264.3
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## ExtStatusZ + IntStatusD + IntStatusN + IntStatusO + IntStatusX +
## DaysDeliq + ActualMinPay + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
##
## Step: AIC=1264.3
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## ActualMinPay + OverlimitAmount + DisplayMinPay + OpeningBalance +
## BillLateCharge + EndingBalance + CreditLimit + TotalNetPayments +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ActualMinPay 1 1218.3 1262.3
## - TotalNetPurchaseAndCash 1 1218.3 1262.3
## - DisplayMinPay 1 1218.3 1262.3
## - OverlimitAmount 1 1218.3 1262.3
## - TotalNetPayments 1 1218.4 1262.4
## - OpeningBalance 1 1218.5 1262.5
## - ExtStatusF 1 1218.5 1262.5
## - ExtStatusE 1 1218.5 1262.5
## - BillLateCharge 1 1218.6 1262.6
## - IntStatusO 1 1218.8 1262.8
## - IntStatusN 1 1218.9 1262.9
## - ExtStatusC 1 1219.0 1263.0
## - EndingBalance 1 1219.5 1263.5
## - ExtStatusI 1 1220.0 1264.0
## <none> 1218.3 1264.3
## - IntStatusD 1 1221.0 1265.0
## - Concessions 1 1221.2 1265.2
## - IntStatusX 1 1221.3 1265.3
## - DaysDeliq 1 1222.5 1266.5
## - TotalFeesBilled 1 1222.9 1266.9
## - QuarterlyCreditScore 1 1224.7 1268.7
## - Bscore 1 1226.2 1270.2
## - CreditLimit 1 1255.2 1299.2
##
## Step: AIC=1262.3
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - TotalNetPurchaseAndCash 1 1218.3 1260.3
## - TotalNetPayments 1 1218.4 1260.4
## - OpeningBalance 1 1218.5 1260.5
## - ExtStatusF 1 1218.5 1260.5
## - ExtStatusE 1 1218.5 1260.5
## - BillLateCharge 1 1218.6 1260.6
## - IntStatusO 1 1218.8 1260.8
## - IntStatusN 1 1218.9 1260.9
## - ExtStatusC 1 1219.0 1261.0
## - EndingBalance 1 1219.5 1261.5
## - ExtStatusI 1 1220.0 1262.0
## <none> 1218.3 1262.3
## - DisplayMinPay 1 1220.9 1262.9
## - IntStatusD 1 1221.0 1263.0
## - Concessions 1 1221.2 1263.2
## - IntStatusX 1 1221.3 1263.3
## - DaysDeliq 1 1222.5 1264.5
## - OverlimitAmount 1 1222.6 1264.6
## - TotalFeesBilled 1 1222.9 1264.9
## - QuarterlyCreditScore 1 1224.7 1266.7
## - Bscore 1 1226.2 1268.2
## - CreditLimit 1 1255.2 1297.2
##
## Step: AIC=1260.3
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusF 1 1218.5 1258.5
## - ExtStatusE 1 1218.5 1258.5
## - BillLateCharge 1 1218.6 1258.6
## - IntStatusO 1 1218.8 1258.8
## - IntStatusN 1 1218.9 1258.9
## - ExtStatusC 1 1219.0 1259.0
## - ExtStatusI 1 1220.0 1260.0
## <none> 1218.3 1260.3
## - TotalNetPayments 1 1220.6 1260.6
## - DisplayMinPay 1 1220.9 1260.9
## - IntStatusD 1 1221.0 1261.0
## - IntStatusX 1 1221.3 1261.3
## - Concessions 1 1221.9 1261.9
## - OpeningBalance 1 1222.1 1262.1
## - DaysDeliq 1 1222.5 1262.5
## - OverlimitAmount 1 1222.7 1262.7
## - TotalFeesBilled 1 1224.0 1264.0
## - QuarterlyCreditScore 1 1224.8 1264.8
## - Bscore 1 1226.2 1266.2
## - EndingBalance 1 1229.8 1269.8
## - CreditLimit 1 1255.3 1295.3
##
## Step: AIC=1258.51
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusO + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + BillLateCharge + EndingBalance +
## CreditLimit + TotalNetPayments + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusE 1 1218.7 1256.7
## - BillLateCharge 1 1218.8 1256.8
## - IntStatusO 1 1219.0 1257.0
## - IntStatusN 1 1219.1 1257.1
## - ExtStatusC 1 1219.2 1257.2
## - ExtStatusI 1 1220.2 1258.2
## <none> 1218.5 1258.5
## - TotalNetPayments 1 1220.8 1258.8
## - DisplayMinPay 1 1221.1 1259.1
## - IntStatusD 1 1221.3 1259.3
## - IntStatusX 1 1221.6 1259.6
## - Concessions 1 1222.0 1260.0
## - OpeningBalance 1 1222.3 1260.3
## - DaysDeliq 1 1222.6 1260.6
## - OverlimitAmount 1 1222.8 1260.8
## - TotalFeesBilled 1 1224.3 1262.3
## - QuarterlyCreditScore 1 1224.9 1262.9
## - Bscore 1 1228.9 1266.9
## - EndingBalance 1 1230.0 1268.0
## - CreditLimit 1 1255.4 1293.4
##
## Step: AIC=1256.73
## .outcome ~ ExtStatusC + ExtStatusI + IntStatusD + IntStatusN +
## IntStatusO + IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalFeesBilled + Concessions + QuarterlyCreditScore +
## Bscore
##
## Df Deviance AIC
## - BillLateCharge 1 1219.0 1255.0
## - IntStatusO 1 1219.3 1255.3
## - IntStatusN 1 1219.3 1255.3
## - ExtStatusC 1 1219.4 1255.4
## - ExtStatusI 1 1220.4 1256.4
## <none> 1218.7 1256.7
## - TotalNetPayments 1 1221.0 1257.0
## - DisplayMinPay 1 1221.4 1257.4
## - IntStatusD 1 1221.6 1257.6
## - IntStatusX 1 1221.9 1257.9
## - Concessions 1 1222.2 1258.2
## - OpeningBalance 1 1222.5 1258.5
## - DaysDeliq 1 1222.9 1258.9
## - OverlimitAmount 1 1223.1 1259.1
## - TotalFeesBilled 1 1224.5 1260.5
## - QuarterlyCreditScore 1 1225.3 1261.3
## - Bscore 1 1229.0 1265.0
## - EndingBalance 1 1230.2 1266.2
## - CreditLimit 1 1255.7 1291.7
##
## Step: AIC=1255.05
## .outcome ~ ExtStatusC + ExtStatusI + IntStatusD + IntStatusN +
## IntStatusO + IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusO 1 1219.6 1253.6
## - IntStatusN 1 1219.7 1253.7
## - ExtStatusC 1 1219.7 1253.7
## - ExtStatusI 1 1220.7 1254.7
## <none> 1219.0 1255.0
## - TotalNetPayments 1 1221.4 1255.4
## - DisplayMinPay 1 1221.6 1255.6
## - IntStatusD 1 1221.7 1255.7
## - IntStatusX 1 1221.9 1255.9
## - Concessions 1 1222.6 1256.6
## - OpeningBalance 1 1222.8 1256.8
## - OverlimitAmount 1 1223.2 1257.2
## - DaysDeliq 1 1223.5 1257.5
## - QuarterlyCreditScore 1 1225.6 1259.6
## - Bscore 1 1229.2 1263.2
## - EndingBalance 1 1230.2 1264.2
## - TotalFeesBilled 1 1236.9 1270.9
## - CreditLimit 1 1256.6 1290.6
##
## Step: AIC=1253.58
## .outcome ~ ExtStatusC + ExtStatusI + IntStatusD + IntStatusN +
## IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusC 1 1220.2 1252.2
## - IntStatusN 1 1220.2 1252.2
## - ExtStatusI 1 1221.2 1253.2
## <none> 1219.6 1253.6
## - TotalNetPayments 1 1221.8 1253.8
## - DisplayMinPay 1 1221.9 1253.9
## - IntStatusX 1 1222.1 1254.1
## - IntStatusD 1 1222.5 1254.5
## - Concessions 1 1223.2 1255.2
## - OverlimitAmount 1 1223.4 1255.4
## - OpeningBalance 1 1223.5 1255.5
## - DaysDeliq 1 1224.3 1256.3
## - QuarterlyCreditScore 1 1226.2 1258.2
## - Bscore 1 1229.2 1261.2
## - EndingBalance 1 1230.3 1262.3
## - TotalFeesBilled 1 1237.6 1269.6
## - CreditLimit 1 1257.0 1289.0
##
## Step: AIC=1252.17
## .outcome ~ ExtStatusI + IntStatusD + IntStatusN + IntStatusX +
## DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusN 1 1220.8 1250.8
## - ExtStatusI 1 1221.8 1251.8
## <none> 1220.2 1252.2
## - TotalNetPayments 1 1222.3 1252.3
## - DisplayMinPay 1 1222.5 1252.5
## - IntStatusX 1 1222.7 1252.7
## - IntStatusD 1 1223.1 1253.1
## - Concessions 1 1223.7 1253.7
## - OpeningBalance 1 1224.1 1254.1
## - OverlimitAmount 1 1224.3 1254.3
## - DaysDeliq 1 1225.0 1255.0
## - QuarterlyCreditScore 1 1226.9 1256.9
## - Bscore 1 1230.0 1260.0
## - EndingBalance 1 1230.7 1260.7
## - TotalFeesBilled 1 1237.8 1267.8
## - CreditLimit 1 1257.0 1287.0
##
## Step: AIC=1250.75
## .outcome ~ ExtStatusI + IntStatusD + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + EndingBalance +
## CreditLimit + TotalNetPayments + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusI 1 1222.4 1250.4
## <none> 1220.8 1250.8
## - DisplayMinPay 1 1223.0 1251.0
## - TotalNetPayments 1 1223.0 1251.0
## - IntStatusX 1 1223.3 1251.3
## - IntStatusD 1 1223.7 1251.7
## - Concessions 1 1224.3 1252.3
## - OpeningBalance 1 1224.6 1252.6
## - OverlimitAmount 1 1224.7 1252.7
## - DaysDeliq 1 1225.4 1253.4
## - QuarterlyCreditScore 1 1227.5 1255.5
## - Bscore 1 1230.7 1258.7
## - EndingBalance 1 1231.7 1259.7
## - TotalFeesBilled 1 1238.5 1266.5
## - CreditLimit 1 1258.7 1286.7
##
## Step: AIC=1250.4
## .outcome ~ IntStatusD + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + EndingBalance + CreditLimit +
## TotalNetPayments + TotalFeesBilled + Concessions + QuarterlyCreditScore +
## Bscore
##
## Df Deviance AIC
## <none> 1222.4 1250.4
## - TotalNetPayments 1 1224.6 1250.6
## - DisplayMinPay 1 1224.7 1250.7
## - IntStatusX 1 1224.7 1250.7
## - IntStatusD 1 1225.2 1251.2
## - Concessions 1 1226.0 1252.0
## - OverlimitAmount 1 1226.3 1252.3
## - OpeningBalance 1 1226.4 1252.4
## - DaysDeliq 1 1227.1 1253.1
## - QuarterlyCreditScore 1 1229.1 1255.1
## - Bscore 1 1232.7 1258.7
## - EndingBalance 1 1233.3 1259.3
## - TotalFeesBilled 1 1239.2 1265.2
## - CreditLimit 1 1260.1 1286.1
## Start: AIC=1325
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## ExtStatusZ + IntStatusD + IntStatusN + IntStatusO + IntStatusX +
## DaysDeliq + ActualMinPay + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
##
## Step: AIC=1325
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## ActualMinPay + OverlimitAmount + DisplayMinPay + OpeningBalance +
## BillLateCharge + EndingBalance + CreditLimit + TotalNetPayments +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ActualMinPay 1 1279.0 1323.0
## - TotalNetPurchaseAndCash 1 1279.0 1323.0
## - TotalNetPayments 1 1279.0 1323.0
## - DisplayMinPay 1 1279.0 1323.0
## - OverlimitAmount 1 1279.1 1323.1
## - IntStatusO 1 1279.1 1323.1
## - ExtStatusE 1 1279.1 1323.1
## - OpeningBalance 1 1279.2 1323.2
## - BillLateCharge 1 1279.3 1323.3
## - ExtStatusC 1 1279.4 1323.4
## - EndingBalance 1 1279.8 1323.8
## - IntStatusD 1 1279.9 1323.9
## - IntStatusN 1 1279.9 1323.9
## - ExtStatusF 1 1280.2 1324.2
## - ExtStatusI 1 1280.6 1324.6
## <none> 1279.0 1325.0
## - IntStatusX 1 1281.5 1325.5
## - Concessions 1 1281.6 1325.6
## - TotalFeesBilled 1 1281.9 1325.9
## - QuarterlyCreditScore 1 1282.5 1326.5
## - DaysDeliq 1 1284.7 1328.7
## - Bscore 1 1285.1 1329.1
## - CreditLimit 1 1310.7 1354.7
##
## Step: AIC=1323
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - TotalNetPurchaseAndCash 1 1279.0 1321.0
## - TotalNetPayments 1 1279.0 1321.0
## - IntStatusO 1 1279.1 1321.1
## - ExtStatusE 1 1279.1 1321.1
## - OpeningBalance 1 1279.2 1321.2
## - BillLateCharge 1 1279.3 1321.3
## - ExtStatusC 1 1279.4 1321.4
## - EndingBalance 1 1279.8 1321.8
## - IntStatusD 1 1279.9 1321.9
## - IntStatusN 1 1279.9 1321.9
## - ExtStatusF 1 1280.2 1322.2
## - ExtStatusI 1 1280.6 1322.6
## <none> 1279.0 1323.0
## - IntStatusX 1 1281.5 1323.5
## - Concessions 1 1281.6 1323.6
## - TotalFeesBilled 1 1281.9 1323.9
## - QuarterlyCreditScore 1 1282.5 1324.5
## - DisplayMinPay 1 1282.8 1324.8
## - DaysDeliq 1 1284.7 1326.7
## - Bscore 1 1285.1 1327.1
## - OverlimitAmount 1 1285.3 1327.3
## - CreditLimit 1 1310.7 1352.7
##
## Step: AIC=1321
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusO 1 1279.1 1319.1
## - ExtStatusE 1 1279.1 1319.1
## - BillLateCharge 1 1279.3 1319.3
## - TotalNetPayments 1 1279.4 1319.4
## - ExtStatusC 1 1279.4 1319.4
## - IntStatusD 1 1279.9 1319.9
## - IntStatusN 1 1279.9 1319.9
## - ExtStatusF 1 1280.2 1320.2
## - ExtStatusI 1 1280.6 1320.6
## <none> 1279.0 1321.0
## - IntStatusX 1 1281.5 1321.5
## - Concessions 1 1282.2 1322.2
## - QuarterlyCreditScore 1 1282.5 1322.5
## - TotalFeesBilled 1 1282.5 1322.5
## - DisplayMinPay 1 1282.8 1322.8
## - OpeningBalance 1 1282.8 1322.8
## - DaysDeliq 1 1284.7 1324.7
## - Bscore 1 1285.1 1325.1
## - OverlimitAmount 1 1285.3 1325.3
## - EndingBalance 1 1287.4 1327.4
## - CreditLimit 1 1310.8 1350.8
##
## Step: AIC=1319.06
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + BillLateCharge + EndingBalance +
## CreditLimit + TotalNetPayments + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusE 1 1279.1 1317.1
## - BillLateCharge 1 1279.4 1317.4
## - TotalNetPayments 1 1279.5 1317.5
## - ExtStatusC 1 1279.5 1317.5
## - IntStatusN 1 1280.0 1318.0
## - IntStatusD 1 1280.0 1318.0
## - ExtStatusF 1 1280.2 1318.2
## - ExtStatusI 1 1280.7 1318.7
## <none> 1279.1 1319.1
## - IntStatusX 1 1281.5 1319.5
## - Concessions 1 1282.3 1320.3
## - QuarterlyCreditScore 1 1282.5 1320.5
## - TotalFeesBilled 1 1282.6 1320.6
## - DisplayMinPay 1 1282.8 1320.8
## - OpeningBalance 1 1283.0 1321.0
## - DaysDeliq 1 1284.9 1322.9
## - Bscore 1 1285.2 1323.2
## - OverlimitAmount 1 1285.3 1323.3
## - EndingBalance 1 1287.8 1325.8
## - CreditLimit 1 1311.8 1349.8
##
## Step: AIC=1317.14
## .outcome ~ ExtStatusC + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalFeesBilled + Concessions + QuarterlyCreditScore +
## Bscore
##
## Df Deviance AIC
## - BillLateCharge 1 1279.5 1315.5
## - TotalNetPayments 1 1279.5 1315.5
## - ExtStatusC 1 1279.6 1315.6
## - IntStatusN 1 1280.1 1316.1
## - IntStatusD 1 1280.1 1316.1
## - ExtStatusF 1 1280.3 1316.3
## - ExtStatusI 1 1280.8 1316.8
## <none> 1279.1 1317.1
## - IntStatusX 1 1281.6 1317.6
## - Concessions 1 1282.4 1318.4
## - QuarterlyCreditScore 1 1282.6 1318.6
## - TotalFeesBilled 1 1282.7 1318.7
## - DisplayMinPay 1 1282.9 1318.9
## - OpeningBalance 1 1283.1 1319.1
## - DaysDeliq 1 1285.0 1321.0
## - Bscore 1 1285.2 1321.2
## - OverlimitAmount 1 1285.5 1321.5
## - EndingBalance 1 1287.9 1323.9
## - CreditLimit 1 1311.9 1347.9
##
## Step: AIC=1315.48
## .outcome ~ ExtStatusC + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusC 1 1279.9 1313.9
## - TotalNetPayments 1 1279.9 1313.9
## - IntStatusD 1 1280.3 1314.3
## - IntStatusN 1 1280.4 1314.4
## - ExtStatusF 1 1280.7 1314.7
## - ExtStatusI 1 1281.1 1315.1
## <none> 1279.5 1315.5
## - IntStatusX 1 1281.7 1315.7
## - Concessions 1 1282.7 1316.7
## - QuarterlyCreditScore 1 1283.0 1317.0
## - DisplayMinPay 1 1283.1 1317.1
## - OpeningBalance 1 1283.3 1317.3
## - Bscore 1 1285.4 1319.4
## - DaysDeliq 1 1285.6 1319.6
## - OverlimitAmount 1 1285.6 1319.6
## - EndingBalance 1 1287.9 1321.9
## - TotalFeesBilled 1 1291.8 1325.8
## - CreditLimit 1 1312.7 1346.7
##
## Step: AIC=1313.87
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusN +
## IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - TotalNetPayments 1 1280.3 1312.3
## - IntStatusD 1 1280.7 1312.7
## - IntStatusN 1 1280.8 1312.8
## - ExtStatusF 1 1281.2 1313.2
## - ExtStatusI 1 1281.5 1313.5
## <none> 1279.9 1313.9
## - IntStatusX 1 1282.1 1314.1
## - Concessions 1 1283.0 1315.0
## - QuarterlyCreditScore 1 1283.4 1315.4
## - DisplayMinPay 1 1283.6 1315.6
## - OpeningBalance 1 1283.7 1315.7
## - DaysDeliq 1 1286.1 1318.1
## - Bscore 1 1286.2 1318.2
## - OverlimitAmount 1 1286.4 1318.4
## - EndingBalance 1 1288.0 1320.0
## - TotalFeesBilled 1 1291.9 1323.9
## - CreditLimit 1 1312.8 1344.8
##
## Step: AIC=1312.3
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusN +
## IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusN 1 1281.2 1311.2
## - IntStatusD 1 1281.3 1311.3
## - ExtStatusF 1 1281.6 1311.6
## - ExtStatusI 1 1281.8 1311.8
## <none> 1280.3 1312.3
## - IntStatusX 1 1282.6 1312.6
## - QuarterlyCreditScore 1 1284.0 1314.0
## - DisplayMinPay 1 1284.1 1314.1
## - Concessions 1 1284.1 1314.1
## - OpeningBalance 1 1285.7 1315.7
## - DaysDeliq 1 1286.4 1316.4
## - Bscore 1 1286.6 1316.6
## - OverlimitAmount 1 1287.0 1317.0
## - EndingBalance 1 1288.7 1318.7
## - TotalFeesBilled 1 1292.0 1322.0
## - CreditLimit 1 1313.7 1343.7
##
## Step: AIC=1311.21
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusX +
## DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusD 1 1282.2 1310.2
## - ExtStatusF 1 1282.5 1310.5
## - ExtStatusI 1 1282.8 1310.8
## <none> 1281.2 1311.2
## - IntStatusX 1 1283.5 1311.5
## - DisplayMinPay 1 1284.7 1312.7
## - QuarterlyCreditScore 1 1285.0 1313.0
## - Concessions 1 1285.2 1313.2
## - OpeningBalance 1 1286.6 1314.6
## - DaysDeliq 1 1287.1 1315.1
## - OverlimitAmount 1 1287.5 1315.5
## - Bscore 1 1287.6 1315.6
## - EndingBalance 1 1290.0 1318.0
## - TotalFeesBilled 1 1292.9 1320.9
## - CreditLimit 1 1315.8 1343.8
##
## Step: AIC=1310.18
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + EndingBalance +
## CreditLimit + TotalFeesBilled + Concessions + QuarterlyCreditScore +
## Bscore
##
## Df Deviance AIC
## - ExtStatusF 1 1283.2 1309.2
## - IntStatusX 1 1283.5 1309.5
## - ExtStatusI 1 1283.7 1309.7
## <none> 1282.2 1310.2
## - DisplayMinPay 1 1285.7 1311.7
## - QuarterlyCreditScore 1 1286.0 1312.0
## - Concessions 1 1286.1 1312.1
## - DaysDeliq 1 1287.3 1313.3
## - OpeningBalance 1 1288.3 1314.3
## - Bscore 1 1289.4 1315.4
## - OverlimitAmount 1 1289.5 1315.5
## - EndingBalance 1 1290.5 1316.5
## - TotalFeesBilled 1 1293.0 1319.0
## - CreditLimit 1 1316.7 1342.7
##
## Step: AIC=1309.23
## .outcome ~ ExtStatusI + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + EndingBalance + CreditLimit +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusX 1 1284.6 1308.6
## - ExtStatusI 1 1284.8 1308.8
## <none> 1283.2 1309.2
## - DisplayMinPay 1 1286.9 1310.9
## - QuarterlyCreditScore 1 1287.3 1311.3
## - Concessions 1 1287.4 1311.4
## - DaysDeliq 1 1289.1 1313.1
## - Bscore 1 1289.8 1313.8
## - OpeningBalance 1 1290.0 1314.0
## - OverlimitAmount 1 1290.8 1314.8
## - EndingBalance 1 1292.4 1316.4
## - TotalFeesBilled 1 1294.2 1318.2
## - CreditLimit 1 1321.0 1345.0
##
## Step: AIC=1308.59
## .outcome ~ ExtStatusI + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusI 1 1285.9 1307.9
## <none> 1284.6 1308.6
## - DisplayMinPay 1 1287.8 1309.8
## - QuarterlyCreditScore 1 1288.7 1310.7
## - Concessions 1 1288.7 1310.7
## - DaysDeliq 1 1289.1 1311.1
## - OverlimitAmount 1 1291.2 1313.2
## - OpeningBalance 1 1291.3 1313.3
## - EndingBalance 1 1292.6 1314.6
## - TotalFeesBilled 1 1294.5 1316.5
## - Bscore 1 1295.3 1317.3
## - CreditLimit 1 1321.3 1343.3
##
## Step: AIC=1307.94
## .outcome ~ DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## <none> 1285.9 1307.9
## - DisplayMinPay 1 1289.2 1309.2
## - QuarterlyCreditScore 1 1290.0 1310.0
## - Concessions 1 1290.0 1310.0
## - DaysDeliq 1 1290.8 1310.8
## - OverlimitAmount 1 1292.6 1312.6
## - OpeningBalance 1 1292.8 1312.8
## - EndingBalance 1 1294.2 1314.2
## - TotalFeesBilled 1 1295.3 1315.3
## - Bscore 1 1296.6 1316.6
## - CreditLimit 1 1323.0 1343.0
## Start: AIC=1320.73
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## ExtStatusZ + IntStatusD + IntStatusN + IntStatusO + IntStatusX +
## DaysDeliq + ActualMinPay + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
##
## Step: AIC=1320.73
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## ActualMinPay + OverlimitAmount + DisplayMinPay + OpeningBalance +
## BillLateCharge + EndingBalance + CreditLimit + TotalNetPayments +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ActualMinPay 1 1274.7 1318.7
## - DisplayMinPay 1 1274.7 1318.7
## - TotalNetPurchaseAndCash 1 1274.8 1318.8
## - TotalNetPayments 1 1274.8 1318.8
## - ExtStatusC 1 1274.8 1318.8
## - OverlimitAmount 1 1274.8 1318.8
## - IntStatusO 1 1274.8 1318.8
## - BillLateCharge 1 1274.9 1318.9
## - ExtStatusE 1 1275.0 1319.0
## - OpeningBalance 1 1275.0 1319.0
## - ExtStatusF 1 1275.3 1319.3
## - IntStatusN 1 1275.5 1319.5
## - EndingBalance 1 1275.7 1319.7
## - ExtStatusI 1 1276.3 1320.3
## - Concessions 1 1276.4 1320.4
## - IntStatusD 1 1276.5 1320.5
## <none> 1274.7 1320.7
## - IntStatusX 1 1276.9 1320.9
## - TotalFeesBilled 1 1277.7 1321.7
## - Bscore 1 1280.4 1324.4
## - QuarterlyCreditScore 1 1280.8 1324.8
## - DaysDeliq 1 1281.6 1325.6
## - CreditLimit 1 1310.6 1354.6
##
## Step: AIC=1318.73
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - TotalNetPurchaseAndCash 1 1274.8 1316.8
## - TotalNetPayments 1 1274.8 1316.8
## - ExtStatusC 1 1274.8 1316.8
## - IntStatusO 1 1274.8 1316.8
## - BillLateCharge 1 1274.9 1316.9
## - ExtStatusE 1 1275.0 1317.0
## - OpeningBalance 1 1275.0 1317.0
## - ExtStatusF 1 1275.3 1317.3
## - IntStatusN 1 1275.5 1317.5
## - EndingBalance 1 1275.7 1317.7
## - ExtStatusI 1 1276.3 1318.3
## - Concessions 1 1276.4 1318.4
## - IntStatusD 1 1276.5 1318.5
## <none> 1274.7 1318.7
## - IntStatusX 1 1276.9 1318.9
## - TotalFeesBilled 1 1277.7 1319.7
## - DisplayMinPay 1 1280.0 1322.0
## - Bscore 1 1280.4 1322.4
## - QuarterlyCreditScore 1 1280.8 1322.8
## - DaysDeliq 1 1281.6 1323.6
## - OverlimitAmount 1 1282.5 1324.5
## - CreditLimit 1 1310.6 1352.6
##
## Step: AIC=1316.75
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusC 1 1274.8 1314.8
## - IntStatusO 1 1274.8 1314.8
## - BillLateCharge 1 1274.9 1314.9
## - ExtStatusE 1 1275.0 1315.0
## - ExtStatusF 1 1275.3 1315.3
## - IntStatusN 1 1275.6 1315.6
## - ExtStatusI 1 1276.3 1316.3
## - IntStatusD 1 1276.5 1316.5
## <none> 1274.8 1316.8
## - Concessions 1 1276.8 1316.8
## - TotalNetPayments 1 1276.8 1316.8
## - IntStatusX 1 1276.9 1316.9
## - OpeningBalance 1 1277.6 1317.6
## - TotalFeesBilled 1 1278.2 1318.2
## - DisplayMinPay 1 1280.0 1320.0
## - Bscore 1 1280.4 1320.4
## - QuarterlyCreditScore 1 1280.9 1320.9
## - DaysDeliq 1 1281.6 1321.6
## - OverlimitAmount 1 1282.5 1322.5
## - EndingBalance 1 1286.8 1326.8
## - CreditLimit 1 1310.7 1350.7
##
## Step: AIC=1314.8
## .outcome ~ ExtStatusE + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusO + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + BillLateCharge + EndingBalance +
## CreditLimit + TotalNetPayments + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusO 1 1274.9 1312.9
## - BillLateCharge 1 1275.0 1313.0
## - ExtStatusE 1 1275.0 1313.0
## - ExtStatusF 1 1275.4 1313.4
## - IntStatusN 1 1275.6 1313.6
## - ExtStatusI 1 1276.3 1314.3
## - IntStatusD 1 1276.6 1314.6
## <none> 1274.8 1314.8
## - TotalNetPayments 1 1276.9 1314.9
## - Concessions 1 1276.9 1314.9
## - IntStatusX 1 1277.0 1315.0
## - OpeningBalance 1 1277.6 1315.6
## - TotalFeesBilled 1 1278.3 1316.3
## - DisplayMinPay 1 1280.1 1318.1
## - Bscore 1 1280.4 1318.4
## - QuarterlyCreditScore 1 1281.0 1319.0
## - DaysDeliq 1 1281.7 1319.7
## - OverlimitAmount 1 1282.5 1320.5
## - EndingBalance 1 1287.1 1325.1
## - CreditLimit 1 1311.6 1349.6
##
## Step: AIC=1312.9
## .outcome ~ ExtStatusE + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalFeesBilled + Concessions + QuarterlyCreditScore +
## Bscore
##
## Df Deviance AIC
## - BillLateCharge 1 1275.1 1311.1
## - ExtStatusE 1 1275.1 1311.1
## - ExtStatusF 1 1275.4 1311.4
## - IntStatusN 1 1275.7 1311.7
## - ExtStatusI 1 1276.4 1312.4
## - IntStatusD 1 1276.8 1312.8
## <none> 1274.9 1312.9
## - TotalNetPayments 1 1276.9 1312.9
## - IntStatusX 1 1277.0 1313.0
## - Concessions 1 1277.0 1313.0
## - OpeningBalance 1 1277.8 1313.8
## - TotalFeesBilled 1 1278.5 1314.5
## - DisplayMinPay 1 1280.1 1316.1
## - Bscore 1 1280.4 1316.4
## - QuarterlyCreditScore 1 1281.1 1317.1
## - DaysDeliq 1 1282.0 1318.0
## - OverlimitAmount 1 1282.5 1318.5
## - EndingBalance 1 1287.8 1323.8
## - CreditLimit 1 1312.8 1348.8
##
## Step: AIC=1311.09
## .outcome ~ ExtStatusE + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusE 1 1275.3 1309.3
## - ExtStatusF 1 1275.6 1309.6
## - IntStatusN 1 1275.9 1309.9
## - ExtStatusI 1 1276.6 1310.6
## - IntStatusD 1 1276.8 1310.8
## - IntStatusX 1 1277.0 1311.0
## <none> 1275.1 1311.1
## - TotalNetPayments 1 1277.1 1311.1
## - Concessions 1 1277.2 1311.2
## - OpeningBalance 1 1278.0 1312.0
## - DisplayMinPay 1 1280.1 1314.1
## - Bscore 1 1280.5 1314.5
## - QuarterlyCreditScore 1 1281.3 1315.3
## - DaysDeliq 1 1282.4 1316.4
## - OverlimitAmount 1 1282.6 1316.6
## - TotalFeesBilled 1 1286.1 1320.1
## - EndingBalance 1 1287.8 1321.8
## - CreditLimit 1 1313.4 1347.4
##
## Step: AIC=1309.35
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusN +
## IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusF 1 1275.9 1307.9
## - IntStatusN 1 1276.2 1308.2
## - ExtStatusI 1 1276.9 1308.9
## - IntStatusD 1 1277.1 1309.1
## - IntStatusX 1 1277.3 1309.3
## - TotalNetPayments 1 1277.3 1309.3
## <none> 1275.3 1309.3
## - Concessions 1 1277.4 1309.4
## - OpeningBalance 1 1278.2 1310.2
## - DisplayMinPay 1 1280.4 1312.4
## - Bscore 1 1280.7 1312.7
## - QuarterlyCreditScore 1 1281.7 1313.7
## - DaysDeliq 1 1282.7 1314.7
## - OverlimitAmount 1 1282.9 1314.9
## - TotalFeesBilled 1 1286.5 1318.5
## - EndingBalance 1 1288.1 1320.1
## - CreditLimit 1 1313.8 1345.8
##
## Step: AIC=1307.86
## .outcome ~ ExtStatusI + IntStatusD + IntStatusN + IntStatusX +
## DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusN 1 1276.7 1306.7
## - ExtStatusI 1 1277.4 1307.4
## - IntStatusD 1 1277.4 1307.4
## - IntStatusX 1 1277.7 1307.7
## - TotalNetPayments 1 1277.8 1307.8
## <none> 1275.9 1307.9
## - Concessions 1 1278.1 1308.1
## - OpeningBalance 1 1279.0 1309.0
## - Bscore 1 1280.9 1310.9
## - DisplayMinPay 1 1281.0 1311.0
## - QuarterlyCreditScore 1 1282.4 1312.4
## - DaysDeliq 1 1283.4 1313.4
## - OverlimitAmount 1 1283.6 1313.6
## - TotalFeesBilled 1 1286.7 1316.7
## - EndingBalance 1 1289.1 1319.1
## - CreditLimit 1 1316.2 1346.2
##
## Step: AIC=1306.7
## .outcome ~ ExtStatusI + IntStatusD + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + EndingBalance +
## CreditLimit + TotalNetPayments + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusI 1 1278.2 1306.2
## - IntStatusD 1 1278.3 1306.3
## - IntStatusX 1 1278.5 1306.5
## <none> 1276.7 1306.7
## - TotalNetPayments 1 1278.7 1306.7
## - Concessions 1 1279.0 1307.0
## - OpeningBalance 1 1279.8 1307.8
## - DisplayMinPay 1 1281.6 1309.6
## - Bscore 1 1281.8 1309.8
## - QuarterlyCreditScore 1 1283.3 1311.3
## - OverlimitAmount 1 1284.1 1312.1
## - DaysDeliq 1 1284.1 1312.1
## - TotalFeesBilled 1 1287.6 1315.6
## - EndingBalance 1 1290.6 1318.6
## - CreditLimit 1 1318.5 1346.5
##
## Step: AIC=1306.25
## .outcome ~ IntStatusD + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + EndingBalance + CreditLimit +
## TotalNetPayments + TotalFeesBilled + Concessions + QuarterlyCreditScore +
## Bscore
##
## Df Deviance AIC
## - IntStatusD 1 1279.7 1305.7
## - IntStatusX 1 1279.8 1305.8
## - TotalNetPayments 1 1280.2 1306.2
## <none> 1278.2 1306.2
## - Concessions 1 1280.6 1306.6
## - OpeningBalance 1 1281.5 1307.5
## - DisplayMinPay 1 1283.2 1309.2
## - Bscore 1 1283.6 1309.6
## - QuarterlyCreditScore 1 1284.8 1310.8
## - OverlimitAmount 1 1285.6 1311.6
## - DaysDeliq 1 1285.6 1311.6
## - TotalFeesBilled 1 1288.5 1314.5
## - EndingBalance 1 1292.1 1318.1
## - CreditLimit 1 1319.9 1345.9
##
## Step: AIC=1305.74
## .outcome ~ IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusX 1 1280.1 1304.1
## <none> 1279.7 1305.7
## - Concessions 1 1282.0 1306.0
## - TotalNetPayments 1 1282.0 1306.0
## - OpeningBalance 1 1283.3 1307.3
## - DisplayMinPay 1 1284.7 1308.7
## - DaysDeliq 1 1285.7 1309.7
## - QuarterlyCreditScore 1 1286.4 1310.4
## - Bscore 1 1287.1 1311.1
## - OverlimitAmount 1 1288.4 1312.4
## - TotalFeesBilled 1 1288.8 1312.8
## - EndingBalance 1 1293.2 1317.2
## - CreditLimit 1 1321.4 1345.4
##
## Step: AIC=1304.08
## .outcome ~ DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## <none> 1280.1 1304.1
## - Concessions 1 1282.3 1304.3
## - TotalNetPayments 1 1282.3 1304.3
## - OpeningBalance 1 1283.6 1305.6
## - DisplayMinPay 1 1284.8 1306.8
## - DaysDeliq 1 1286.0 1308.0
## - QuarterlyCreditScore 1 1286.8 1308.8
## - OverlimitAmount 1 1288.4 1310.4
## - TotalFeesBilled 1 1288.8 1310.8
## - Bscore 1 1290.2 1312.2
## - EndingBalance 1 1293.3 1315.3
## - CreditLimit 1 1322.8 1344.8
## Start: AIC=1316.6
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## ExtStatusZ + IntStatusD + IntStatusN + IntStatusO + IntStatusX +
## DaysDeliq + ActualMinPay + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
##
## Step: AIC=1316.6
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## ActualMinPay + OverlimitAmount + DisplayMinPay + OpeningBalance +
## BillLateCharge + EndingBalance + CreditLimit + TotalNetPayments +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ActualMinPay 1 1270.6 1314.6
## - TotalNetPurchaseAndCash 1 1270.6 1314.6
## - DisplayMinPay 1 1270.6 1314.6
## - ExtStatusC 1 1270.6 1314.6
## - OverlimitAmount 1 1270.7 1314.7
## - TotalNetPayments 1 1270.7 1314.7
## - BillLateCharge 1 1270.7 1314.7
## - IntStatusO 1 1270.8 1314.8
## - ExtStatusE 1 1270.8 1314.8
## - OpeningBalance 1 1270.9 1314.9
## - IntStatusN 1 1271.2 1315.2
## - EndingBalance 1 1271.5 1315.5
## - IntStatusD 1 1271.9 1315.9
## - ExtStatusI 1 1272.2 1316.2
## <none> 1270.6 1316.6
## - Concessions 1 1272.6 1316.6
## - ExtStatusF 1 1272.7 1316.7
## - QuarterlyCreditScore 1 1274.3 1318.3
## - IntStatusX 1 1274.4 1318.4
## - TotalFeesBilled 1 1274.5 1318.5
## - Bscore 1 1277.0 1321.0
## - DaysDeliq 1 1277.3 1321.3
## - CreditLimit 1 1308.2 1352.2
##
## Step: AIC=1314.6
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - TotalNetPurchaseAndCash 1 1270.6 1312.6
## - ExtStatusC 1 1270.6 1312.6
## - TotalNetPayments 1 1270.7 1312.7
## - BillLateCharge 1 1270.7 1312.7
## - IntStatusO 1 1270.8 1312.8
## - ExtStatusE 1 1270.8 1312.8
## - OpeningBalance 1 1270.9 1312.9
## - IntStatusN 1 1271.2 1313.2
## - EndingBalance 1 1271.5 1313.5
## - IntStatusD 1 1271.9 1313.9
## - ExtStatusI 1 1272.2 1314.2
## <none> 1270.6 1314.6
## - Concessions 1 1272.6 1314.6
## - ExtStatusF 1 1272.7 1314.7
## - QuarterlyCreditScore 1 1274.3 1316.3
## - IntStatusX 1 1274.4 1316.4
## - TotalFeesBilled 1 1274.5 1316.5
## - DisplayMinPay 1 1275.7 1317.7
## - Bscore 1 1277.0 1319.0
## - DaysDeliq 1 1277.3 1319.3
## - OverlimitAmount 1 1278.9 1320.9
## - CreditLimit 1 1308.2 1350.2
##
## Step: AIC=1312.6
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusC 1 1270.6 1310.6
## - BillLateCharge 1 1270.7 1310.7
## - IntStatusO 1 1270.8 1310.8
## - ExtStatusE 1 1270.9 1310.9
## - IntStatusN 1 1271.2 1311.2
## - IntStatusD 1 1271.9 1311.9
## - TotalNetPayments 1 1272.0 1312.0
## - ExtStatusI 1 1272.2 1312.2
## <none> 1270.6 1312.6
## - ExtStatusF 1 1272.7 1312.7
## - Concessions 1 1273.1 1313.1
## - QuarterlyCreditScore 1 1274.3 1314.3
## - IntStatusX 1 1274.4 1314.4
## - TotalFeesBilled 1 1275.5 1315.5
## - DisplayMinPay 1 1275.7 1315.7
## - OpeningBalance 1 1276.0 1316.0
## - Bscore 1 1277.0 1317.0
## - DaysDeliq 1 1277.3 1317.3
## - OverlimitAmount 1 1279.0 1319.0
## - EndingBalance 1 1280.2 1320.2
## - CreditLimit 1 1308.3 1348.3
##
## Step: AIC=1310.64
## .outcome ~ ExtStatusE + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusO + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + BillLateCharge + EndingBalance +
## CreditLimit + TotalNetPayments + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - BillLateCharge 1 1270.8 1308.8
## - IntStatusO 1 1270.8 1308.8
## - ExtStatusE 1 1270.9 1308.9
## - IntStatusN 1 1271.3 1309.3
## - IntStatusD 1 1272.0 1310.0
## - TotalNetPayments 1 1272.1 1310.1
## - ExtStatusI 1 1272.3 1310.3
## <none> 1270.6 1310.6
## - ExtStatusF 1 1272.8 1310.8
## - Concessions 1 1273.1 1311.1
## - QuarterlyCreditScore 1 1274.3 1312.3
## - IntStatusX 1 1274.5 1312.5
## - TotalFeesBilled 1 1275.5 1313.5
## - DisplayMinPay 1 1275.7 1313.7
## - OpeningBalance 1 1276.1 1314.1
## - Bscore 1 1277.2 1315.2
## - DaysDeliq 1 1277.3 1315.3
## - OverlimitAmount 1 1279.2 1317.2
## - EndingBalance 1 1280.2 1318.2
## - CreditLimit 1 1308.7 1346.7
##
## Step: AIC=1308.77
## .outcome ~ ExtStatusE + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusO + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + EndingBalance + CreditLimit +
## TotalNetPayments + TotalFeesBilled + Concessions + QuarterlyCreditScore +
## Bscore
##
## Df Deviance AIC
## - IntStatusO 1 1271.0 1307.0
## - ExtStatusE 1 1271.0 1307.0
## - IntStatusN 1 1271.4 1307.4
## - IntStatusD 1 1272.0 1308.0
## - TotalNetPayments 1 1272.2 1308.2
## - ExtStatusI 1 1272.4 1308.4
## <none> 1270.8 1308.8
## - ExtStatusF 1 1272.9 1308.9
## - Concessions 1 1273.2 1309.2
## - QuarterlyCreditScore 1 1274.4 1310.4
## - IntStatusX 1 1274.5 1310.5
## - DisplayMinPay 1 1275.8 1311.8
## - OpeningBalance 1 1276.2 1312.2
## - Bscore 1 1277.2 1313.2
## - DaysDeliq 1 1277.6 1313.6
## - OverlimitAmount 1 1279.2 1315.2
## - EndingBalance 1 1280.2 1316.2
## - TotalFeesBilled 1 1284.3 1320.3
## - CreditLimit 1 1309.3 1345.3
##
## Step: AIC=1306.95
## .outcome ~ ExtStatusE + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusE 1 1271.2 1305.2
## - IntStatusN 1 1271.6 1305.6
## - IntStatusD 1 1272.3 1306.3
## - TotalNetPayments 1 1272.3 1306.3
## - ExtStatusI 1 1272.6 1306.6
## <none> 1271.0 1307.0
## - ExtStatusF 1 1273.0 1307.0
## - Concessions 1 1273.4 1307.4
## - IntStatusX 1 1274.5 1308.5
## - QuarterlyCreditScore 1 1274.6 1308.6
## - DisplayMinPay 1 1275.8 1309.8
## - OpeningBalance 1 1276.5 1310.5
## - Bscore 1 1277.2 1311.2
## - DaysDeliq 1 1278.1 1312.1
## - OverlimitAmount 1 1279.2 1313.2
## - EndingBalance 1 1280.6 1314.6
## - TotalFeesBilled 1 1284.7 1318.7
## - CreditLimit 1 1310.1 1344.1
##
## Step: AIC=1305.22
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusN +
## IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusN 1 1271.9 1303.9
## - TotalNetPayments 1 1272.6 1304.6
## - IntStatusD 1 1272.6 1304.6
## - ExtStatusI 1 1272.8 1304.8
## <none> 1271.2 1305.2
## - ExtStatusF 1 1273.3 1305.3
## - Concessions 1 1273.7 1305.7
## - IntStatusX 1 1274.8 1306.8
## - QuarterlyCreditScore 1 1275.1 1307.1
## - DisplayMinPay 1 1276.1 1308.1
## - OpeningBalance 1 1276.9 1308.9
## - Bscore 1 1277.4 1309.4
## - DaysDeliq 1 1278.5 1310.5
## - OverlimitAmount 1 1279.5 1311.5
## - EndingBalance 1 1280.8 1312.8
## - TotalFeesBilled 1 1285.0 1317.0
## - CreditLimit 1 1310.5 1342.5
##
## Step: AIC=1303.88
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusX +
## DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusD 1 1273.2 1303.2
## - TotalNetPayments 1 1273.3 1303.3
## - ExtStatusI 1 1273.5 1303.5
## <none> 1271.9 1303.9
## - ExtStatusF 1 1274.0 1304.0
## - Concessions 1 1274.4 1304.4
## - IntStatusX 1 1275.5 1305.5
## - QuarterlyCreditScore 1 1275.8 1305.8
## - DisplayMinPay 1 1276.5 1306.5
## - OpeningBalance 1 1277.5 1307.5
## - Bscore 1 1278.1 1308.1
## - DaysDeliq 1 1279.0 1309.0
## - OverlimitAmount 1 1279.9 1309.9
## - EndingBalance 1 1281.9 1311.9
## - TotalFeesBilled 1 1285.7 1315.7
## - CreditLimit 1 1312.3 1342.3
##
## Step: AIC=1303.25
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + EndingBalance +
## CreditLimit + TotalNetPayments + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusI 1 1274.8 1302.8
## - TotalNetPayments 1 1274.8 1302.8
## - ExtStatusF 1 1274.9 1302.9
## <none> 1273.2 1303.2
## - IntStatusX 1 1275.5 1303.5
## - Concessions 1 1275.7 1303.7
## - QuarterlyCreditScore 1 1277.2 1305.2
## - DisplayMinPay 1 1277.9 1305.9
## - DaysDeliq 1 1279.2 1307.2
## - OpeningBalance 1 1279.4 1307.4
## - Bscore 1 1280.6 1308.6
## - OverlimitAmount 1 1282.5 1310.5
## - EndingBalance 1 1282.8 1310.8
## - TotalFeesBilled 1 1285.9 1313.9
## - CreditLimit 1 1313.3 1341.3
##
## Step: AIC=1302.81
## .outcome ~ ExtStatusF + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + EndingBalance + CreditLimit +
## TotalNetPayments + TotalFeesBilled + Concessions + QuarterlyCreditScore +
## Bscore
##
## Df Deviance AIC
## - TotalNetPayments 1 1276.4 1302.4
## - ExtStatusF 1 1276.5 1302.5
## - IntStatusX 1 1276.8 1302.8
## <none> 1274.8 1302.8
## - Concessions 1 1277.2 1303.2
## - QuarterlyCreditScore 1 1278.7 1304.7
## - DisplayMinPay 1 1279.5 1305.5
## - DaysDeliq 1 1280.8 1306.8
## - OpeningBalance 1 1281.1 1307.1
## - Bscore 1 1282.5 1308.5
## - OverlimitAmount 1 1284.0 1310.0
## - EndingBalance 1 1284.3 1310.3
## - TotalFeesBilled 1 1286.7 1312.7
## - CreditLimit 1 1314.7 1340.7
##
## Step: AIC=1302.36
## .outcome ~ ExtStatusF + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + EndingBalance + CreditLimit +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusF 1 1277.9 1301.9
## - IntStatusX 1 1278.3 1302.3
## <none> 1276.4 1302.4
## - Concessions 1 1279.8 1303.8
## - QuarterlyCreditScore 1 1280.7 1304.7
## - DisplayMinPay 1 1281.2 1305.2
## - DaysDeliq 1 1282.0 1306.0
## - Bscore 1 1284.1 1308.1
## - EndingBalance 1 1284.4 1308.4
## - OverlimitAmount 1 1286.1 1310.1
## - OpeningBalance 1 1286.4 1310.4
## - TotalFeesBilled 1 1287.6 1311.6
## - CreditLimit 1 1315.1 1339.1
##
## Step: AIC=1301.94
## .outcome ~ IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusX 1 1279.8 1301.8
## <none> 1277.9 1301.9
## - Concessions 1 1281.8 1303.8
## - QuarterlyCreditScore 1 1282.4 1304.4
## - DisplayMinPay 1 1283.0 1305.0
## - Bscore 1 1284.2 1306.2
## - DaysDeliq 1 1284.6 1306.6
## - EndingBalance 1 1287.2 1309.2
## - OverlimitAmount 1 1288.0 1310.0
## - OpeningBalance 1 1288.8 1310.8
## - TotalFeesBilled 1 1288.9 1310.9
## - CreditLimit 1 1321.0 1343.0
##
## Step: AIC=1301.8
## .outcome ~ DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## <none> 1279.8 1301.8
## - Concessions 1 1283.6 1303.6
## - DisplayMinPay 1 1284.2 1304.2
## - QuarterlyCreditScore 1 1284.2 1304.2
## - DaysDeliq 1 1284.7 1304.7
## - EndingBalance 1 1287.6 1307.6
## - OverlimitAmount 1 1288.5 1308.5
## - TotalFeesBilled 1 1289.6 1309.6
## - Bscore 1 1290.4 1310.4
## - OpeningBalance 1 1290.6 1310.6
## - CreditLimit 1 1321.1 1341.1
## Start: AIC=1286.36
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## ExtStatusZ + IntStatusD + IntStatusN + IntStatusO + IntStatusX +
## DaysDeliq + ActualMinPay + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
##
## Step: AIC=1286.36
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## ActualMinPay + OverlimitAmount + DisplayMinPay + OpeningBalance +
## BillLateCharge + EndingBalance + CreditLimit + TotalNetPayments +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
##
## Step: AIC=1286.36
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + IntStatusD +
## IntStatusN + IntStatusO + IntStatusX + DaysDeliq + ActualMinPay +
## OverlimitAmount + DisplayMinPay + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ActualMinPay 1 1242.4 1284.4
## - ExtStatusE 1 1242.4 1284.4
## - DisplayMinPay 1 1242.4 1284.4
## - TotalNetPayments 1 1242.4 1284.4
## - TotalNetPurchaseAndCash 1 1242.4 1284.4
## - ExtStatusC 1 1242.4 1284.4
## - OverlimitAmount 1 1242.4 1284.4
## - OpeningBalance 1 1242.6 1284.6
## - BillLateCharge 1 1242.7 1284.7
## - ExtStatusF 1 1242.8 1284.8
## - IntStatusN 1 1243.0 1285.0
## - EndingBalance 1 1243.1 1285.1
## - IntStatusO 1 1243.4 1285.4
## - IntStatusD 1 1243.8 1285.8
## <none> 1242.4 1286.4
## - IntStatusX 1 1244.6 1286.6
## - Concessions 1 1244.8 1286.8
## - TotalFeesBilled 1 1245.7 1287.7
## - DaysDeliq 1 1246.0 1288.0
## - QuarterlyCreditScore 1 1248.8 1290.8
## - Bscore 1 1253.9 1295.9
## - CreditLimit 1 1270.1 1312.1
##
## Step: AIC=1284.36
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + IntStatusD +
## IntStatusN + IntStatusO + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + BillLateCharge + EndingBalance +
## CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusE 1 1242.4 1282.4
## - TotalNetPayments 1 1242.4 1282.4
## - TotalNetPurchaseAndCash 1 1242.4 1282.4
## - ExtStatusC 1 1242.4 1282.4
## - OpeningBalance 1 1242.6 1282.6
## - BillLateCharge 1 1242.7 1282.7
## - ExtStatusF 1 1242.8 1282.8
## - IntStatusN 1 1243.0 1283.0
## - EndingBalance 1 1243.1 1283.1
## - IntStatusO 1 1243.4 1283.4
## - IntStatusD 1 1243.8 1283.8
## <none> 1242.4 1284.4
## - IntStatusX 1 1244.6 1284.6
## - Concessions 1 1244.8 1284.8
## - TotalFeesBilled 1 1245.7 1285.7
## - DaysDeliq 1 1246.0 1286.0
## - DisplayMinPay 1 1247.3 1287.3
## - QuarterlyCreditScore 1 1248.8 1288.8
## - OverlimitAmount 1 1249.7 1289.7
## - Bscore 1 1253.9 1293.9
## - CreditLimit 1 1270.1 1310.1
##
## Step: AIC=1282.37
## .outcome ~ ExtStatusC + ExtStatusF + IntStatusD + IntStatusN +
## IntStatusO + IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - TotalNetPayments 1 1242.4 1280.4
## - TotalNetPurchaseAndCash 1 1242.4 1280.4
## - ExtStatusC 1 1242.4 1280.4
## - OpeningBalance 1 1242.6 1280.6
## - BillLateCharge 1 1242.7 1280.7
## - ExtStatusF 1 1242.8 1280.8
## - IntStatusN 1 1243.0 1281.0
## - EndingBalance 1 1243.1 1281.1
## - IntStatusO 1 1243.4 1281.4
## - IntStatusD 1 1243.8 1281.8
## <none> 1242.4 1282.4
## - IntStatusX 1 1244.6 1282.6
## - Concessions 1 1244.8 1282.8
## - TotalFeesBilled 1 1245.7 1283.7
## - DaysDeliq 1 1246.0 1284.0
## - DisplayMinPay 1 1247.3 1285.3
## - QuarterlyCreditScore 1 1248.9 1286.9
## - OverlimitAmount 1 1249.7 1287.7
## - Bscore 1 1253.9 1291.9
## - CreditLimit 1 1270.1 1308.1
##
## Step: AIC=1280.38
## .outcome ~ ExtStatusC + ExtStatusF + IntStatusD + IntStatusN +
## IntStatusO + IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusC 1 1242.4 1278.4
## - BillLateCharge 1 1242.7 1278.7
## - ExtStatusF 1 1242.8 1278.8
## - IntStatusN 1 1243.1 1279.1
## - IntStatusO 1 1243.4 1279.4
## - IntStatusD 1 1243.8 1279.8
## - TotalNetPurchaseAndCash 1 1244.3 1280.3
## <none> 1242.4 1280.4
## - IntStatusX 1 1244.6 1280.6
## - Concessions 1 1245.1 1281.1
## - DaysDeliq 1 1246.0 1282.0
## - TotalFeesBilled 1 1246.8 1282.8
## - DisplayMinPay 1 1247.4 1283.4
## - OpeningBalance 1 1247.5 1283.5
## - QuarterlyCreditScore 1 1248.9 1284.9
## - EndingBalance 1 1249.5 1285.5
## - OverlimitAmount 1 1249.9 1285.9
## - Bscore 1 1253.9 1289.9
## - CreditLimit 1 1270.3 1306.3
##
## Step: AIC=1278.42
## .outcome ~ ExtStatusF + IntStatusD + IntStatusN + IntStatusO +
## IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - BillLateCharge 1 1242.8 1276.8
## - ExtStatusF 1 1242.8 1276.8
## - IntStatusN 1 1243.1 1277.1
## - IntStatusO 1 1243.4 1277.4
## - IntStatusD 1 1243.8 1277.8
## - TotalNetPurchaseAndCash 1 1244.3 1278.3
## <none> 1242.4 1278.4
## - IntStatusX 1 1244.7 1278.7
## - Concessions 1 1245.1 1279.1
## - DaysDeliq 1 1246.1 1280.1
## - TotalFeesBilled 1 1246.8 1280.8
## - DisplayMinPay 1 1247.4 1281.4
## - OpeningBalance 1 1247.5 1281.5
## - QuarterlyCreditScore 1 1249.0 1283.0
## - EndingBalance 1 1249.5 1283.5
## - OverlimitAmount 1 1250.1 1284.1
## - Bscore 1 1254.2 1288.2
## - CreditLimit 1 1270.5 1304.5
##
## Step: AIC=1276.75
## .outcome ~ ExtStatusF + IntStatusD + IntStatusN + IntStatusO +
## IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusF 1 1243.2 1275.2
## - IntStatusN 1 1243.4 1275.4
## - IntStatusO 1 1243.7 1275.7
## - IntStatusD 1 1244.0 1276.0
## - TotalNetPurchaseAndCash 1 1244.7 1276.7
## - IntStatusX 1 1244.7 1276.7
## <none> 1242.8 1276.8
## - Concessions 1 1245.4 1277.4
## - DaysDeliq 1 1246.6 1278.6
## - DisplayMinPay 1 1247.6 1279.6
## - OpeningBalance 1 1247.8 1279.8
## - QuarterlyCreditScore 1 1249.3 1281.3
## - EndingBalance 1 1249.5 1281.5
## - OverlimitAmount 1 1250.3 1282.3
## - Bscore 1 1254.3 1286.3
## - TotalFeesBilled 1 1256.7 1288.7
## - CreditLimit 1 1271.1 1303.1
##
## Step: AIC=1275.16
## .outcome ~ IntStatusD + IntStatusN + IntStatusO + IntStatusX +
## DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusN 1 1243.8 1273.8
## - IntStatusO 1 1244.1 1274.1
## - IntStatusD 1 1244.3 1274.3
## - TotalNetPurchaseAndCash 1 1245.0 1275.0
## - IntStatusX 1 1245.1 1275.1
## <none> 1243.2 1275.2
## - Concessions 1 1246.0 1276.0
## - DaysDeliq 1 1247.1 1277.1
## - DisplayMinPay 1 1248.0 1278.0
## - OpeningBalance 1 1248.2 1278.2
## - QuarterlyCreditScore 1 1249.9 1279.9
## - EndingBalance 1 1250.2 1280.2
## - OverlimitAmount 1 1250.8 1280.8
## - Bscore 1 1255.1 1285.1
## - TotalFeesBilled 1 1256.8 1286.8
## - CreditLimit 1 1272.0 1302.0
##
## Step: AIC=1273.84
## .outcome ~ IntStatusD + IntStatusO + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + EndingBalance +
## CreditLimit + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusO 1 1244.8 1272.8
## - IntStatusD 1 1245.0 1273.0
## - IntStatusX 1 1245.8 1273.8
## - TotalNetPurchaseAndCash 1 1245.8 1273.8
## <none> 1243.8 1273.8
## - Concessions 1 1246.7 1274.7
## - DaysDeliq 1 1247.6 1275.6
## - DisplayMinPay 1 1248.5 1276.5
## - OpeningBalance 1 1248.9 1276.9
## - QuarterlyCreditScore 1 1250.6 1278.6
## - EndingBalance 1 1251.1 1279.1
## - OverlimitAmount 1 1251.2 1279.2
## - Bscore 1 1256.0 1284.0
## - TotalFeesBilled 1 1257.5 1285.5
## - CreditLimit 1 1273.5 1301.5
##
## Step: AIC=1272.81
## .outcome ~ IntStatusD + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + EndingBalance + CreditLimit +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusD 1 1246.2 1272.2
## - IntStatusX 1 1246.5 1272.5
## - TotalNetPurchaseAndCash 1 1246.5 1272.5
## <none> 1244.8 1272.8
## - Concessions 1 1247.8 1273.8
## - DisplayMinPay 1 1249.0 1275.0
## - DaysDeliq 1 1249.2 1275.2
## - OpeningBalance 1 1249.9 1275.9
## - EndingBalance 1 1251.2 1277.2
## - OverlimitAmount 1 1251.4 1277.4
## - QuarterlyCreditScore 1 1251.8 1277.8
## - Bscore 1 1256.0 1282.0
## - TotalFeesBilled 1 1258.6 1284.6
## - CreditLimit 1 1273.5 1299.5
##
## Step: AIC=1272.24
## .outcome ~ IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusX 1 1246.7 1270.7
## - TotalNetPurchaseAndCash 1 1248.2 1272.2
## <none> 1246.2 1272.2
## - Concessions 1 1249.2 1273.2
## - DaysDeliq 1 1249.2 1273.2
## - DisplayMinPay 1 1250.3 1274.3
## - EndingBalance 1 1252.0 1276.0
## - OpeningBalance 1 1252.3 1276.3
## - QuarterlyCreditScore 1 1253.4 1277.4
## - OverlimitAmount 1 1253.8 1277.8
## - TotalFeesBilled 1 1258.8 1282.8
## - Bscore 1 1261.0 1285.0
## - CreditLimit 1 1275.1 1299.1
##
## Step: AIC=1270.65
## .outcome ~ DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - TotalNetPurchaseAndCash 1 1248.6 1270.6
## <none> 1246.7 1270.7
## - DaysDeliq 1 1249.2 1271.2
## - Concessions 1 1249.5 1271.5
## - DisplayMinPay 1 1250.4 1272.4
## - EndingBalance 1 1252.0 1274.0
## - OpeningBalance 1 1252.7 1274.7
## - QuarterlyCreditScore 1 1253.8 1275.8
## - OverlimitAmount 1 1253.9 1275.9
## - TotalFeesBilled 1 1258.8 1280.8
## - Bscore 1 1265.6 1287.6
## - CreditLimit 1 1275.4 1297.4
##
## Step: AIC=1270.59
## .outcome ~ DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## <none> 1248.6 1270.6
## - DaysDeliq 1 1250.8 1270.8
## - DisplayMinPay 1 1252.4 1272.4
## - OpeningBalance 1 1252.7 1272.7
## - Concessions 1 1253.5 1273.5
## - OverlimitAmount 1 1256.0 1276.0
## - QuarterlyCreditScore 1 1256.2 1276.2
## - EndingBalance 1 1256.6 1276.6
## - TotalFeesBilled 1 1259.0 1279.0
## - Bscore 1 1268.1 1288.1
## - CreditLimit 1 1275.4 1295.4
## Start: AIC=1310.27
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## ExtStatusZ + IntStatusD + IntStatusN + IntStatusO + IntStatusX +
## DaysDeliq + ActualMinPay + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
##
## Step: AIC=1310.27
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## ActualMinPay + OverlimitAmount + DisplayMinPay + OpeningBalance +
## BillLateCharge + EndingBalance + CreditLimit + TotalNetPayments +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ActualMinPay 1 1264.3 1308.3
## - BillLateCharge 1 1264.3 1308.3
## - IntStatusO 1 1264.3 1308.3
## - DisplayMinPay 1 1264.3 1308.3
## - EndingBalance 1 1264.3 1308.3
## - OverlimitAmount 1 1264.4 1308.4
## - ExtStatusC 1 1264.4 1308.4
## - ExtStatusE 1 1264.5 1308.5
## - TotalNetPayments 1 1264.6 1308.6
## - IntStatusN 1 1265.0 1309.0
## - ExtStatusF 1 1265.0 1309.0
## - TotalNetPurchaseAndCash 1 1265.2 1309.2
## - IntStatusD 1 1265.3 1309.3
## - ExtStatusI 1 1265.8 1309.8
## - Concessions 1 1265.9 1309.9
## - OpeningBalance 1 1266.0 1310.0
## - IntStatusX 1 1266.1 1310.1
## <none> 1264.3 1310.3
## - TotalFeesBilled 1 1270.2 1314.2
## - Bscore 1 1270.7 1314.7
## - DaysDeliq 1 1271.1 1315.1
## - QuarterlyCreditScore 1 1271.5 1315.5
## - CreditLimit 1 1301.7 1345.7
##
## Step: AIC=1308.27
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - BillLateCharge 1 1264.3 1306.3
## - IntStatusO 1 1264.3 1306.3
## - EndingBalance 1 1264.3 1306.3
## - ExtStatusC 1 1264.4 1306.4
## - ExtStatusE 1 1264.5 1306.5
## - TotalNetPayments 1 1264.6 1306.6
## - IntStatusN 1 1265.0 1307.0
## - ExtStatusF 1 1265.0 1307.0
## - TotalNetPurchaseAndCash 1 1265.2 1307.2
## - IntStatusD 1 1265.3 1307.3
## - ExtStatusI 1 1265.8 1307.8
## - Concessions 1 1265.9 1307.9
## - OpeningBalance 1 1266.0 1308.0
## - IntStatusX 1 1266.1 1308.1
## <none> 1264.3 1308.3
## - DisplayMinPay 1 1269.7 1311.7
## - TotalFeesBilled 1 1270.2 1312.2
## - Bscore 1 1270.7 1312.7
## - DaysDeliq 1 1271.1 1313.1
## - QuarterlyCreditScore 1 1271.5 1313.5
## - OverlimitAmount 1 1271.8 1313.8
## - CreditLimit 1 1301.7 1343.7
##
## Step: AIC=1306.27
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + EndingBalance +
## CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusO 1 1264.3 1304.3
## - EndingBalance 1 1264.3 1304.3
## - ExtStatusC 1 1264.4 1304.4
## - ExtStatusE 1 1264.5 1304.5
## - TotalNetPayments 1 1264.6 1304.6
## - IntStatusN 1 1265.0 1305.0
## - ExtStatusF 1 1265.0 1305.0
## - TotalNetPurchaseAndCash 1 1265.2 1305.2
## - IntStatusD 1 1265.3 1305.3
## - ExtStatusI 1 1265.8 1305.8
## - Concessions 1 1265.9 1305.9
## - OpeningBalance 1 1266.0 1306.0
## - IntStatusX 1 1266.2 1306.2
## <none> 1264.3 1306.3
## - DisplayMinPay 1 1269.7 1309.7
## - Bscore 1 1270.7 1310.7
## - DaysDeliq 1 1271.1 1311.1
## - QuarterlyCreditScore 1 1271.5 1311.5
## - OverlimitAmount 1 1271.8 1311.8
## - TotalFeesBilled 1 1274.9 1314.9
## - CreditLimit 1 1301.8 1341.8
##
## Step: AIC=1304.29
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + EndingBalance + CreditLimit +
## TotalNetPayments + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - EndingBalance 1 1264.3 1302.3
## - ExtStatusC 1 1264.4 1302.4
## - ExtStatusE 1 1264.6 1302.6
## - TotalNetPayments 1 1264.7 1302.7
## - IntStatusN 1 1265.0 1303.0
## - ExtStatusF 1 1265.0 1303.0
## - TotalNetPurchaseAndCash 1 1265.3 1303.3
## - IntStatusD 1 1265.3 1303.3
## - ExtStatusI 1 1265.8 1303.8
## - Concessions 1 1266.0 1304.0
## - OpeningBalance 1 1266.0 1304.0
## <none> 1264.3 1304.3
## - IntStatusX 1 1266.3 1304.3
## - DisplayMinPay 1 1270.0 1308.0
## - Bscore 1 1271.1 1309.1
## - DaysDeliq 1 1271.1 1309.1
## - QuarterlyCreditScore 1 1271.5 1309.5
## - OverlimitAmount 1 1272.3 1310.3
## - TotalFeesBilled 1 1275.0 1313.0
## - CreditLimit 1 1304.2 1342.2
##
## Step: AIC=1302.35
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + CreditLimit + TotalNetPayments +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusC 1 1264.5 1300.5
## - ExtStatusE 1 1264.6 1300.6
## - IntStatusN 1 1265.0 1301.0
## - ExtStatusF 1 1265.1 1301.1
## - IntStatusD 1 1265.4 1301.4
## - ExtStatusI 1 1265.9 1301.9
## - Concessions 1 1266.1 1302.1
## <none> 1264.3 1302.3
## - IntStatusX 1 1266.4 1302.4
## - DisplayMinPay 1 1270.0 1306.0
## - DaysDeliq 1 1271.1 1307.1
## - Bscore 1 1271.3 1307.3
## - QuarterlyCreditScore 1 1271.6 1307.6
## - OverlimitAmount 1 1272.6 1308.6
## - TotalNetPayments 1 1273.6 1309.6
## - TotalNetPurchaseAndCash 1 1280.8 1316.8
## - TotalFeesBilled 1 1282.3 1318.3
## - OpeningBalance 1 1294.3 1330.3
## - CreditLimit 1 1305.6 1341.6
##
## Step: AIC=1300.49
## .outcome ~ ExtStatusE + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusE 1 1264.8 1298.8
## - IntStatusN 1 1265.2 1299.2
## - ExtStatusF 1 1265.3 1299.3
## - IntStatusD 1 1265.6 1299.6
## - ExtStatusI 1 1266.0 1300.0
## - Concessions 1 1266.2 1300.2
## <none> 1264.5 1300.5
## - IntStatusX 1 1266.5 1300.5
## - DisplayMinPay 1 1270.2 1304.2
## - DaysDeliq 1 1271.3 1305.3
## - Bscore 1 1271.6 1305.6
## - QuarterlyCreditScore 1 1271.7 1305.7
## - OverlimitAmount 1 1273.2 1307.2
## - TotalNetPayments 1 1273.6 1307.6
## - TotalNetPurchaseAndCash 1 1280.8 1314.8
## - TotalFeesBilled 1 1282.5 1316.5
## - OpeningBalance 1 1294.3 1328.3
## - CreditLimit 1 1305.8 1339.8
##
## Step: AIC=1298.75
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusN +
## IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusN 1 1265.4 1297.4
## - ExtStatusF 1 1265.5 1297.5
## - IntStatusD 1 1265.8 1297.8
## - ExtStatusI 1 1266.2 1298.2
## - Concessions 1 1266.5 1298.5
## <none> 1264.8 1298.8
## - IntStatusX 1 1266.8 1298.8
## - DisplayMinPay 1 1270.5 1302.5
## - DaysDeliq 1 1271.7 1303.7
## - Bscore 1 1271.8 1303.8
## - QuarterlyCreditScore 1 1272.2 1304.2
## - OverlimitAmount 1 1273.5 1305.5
## - TotalNetPayments 1 1273.9 1305.9
## - TotalNetPurchaseAndCash 1 1281.1 1313.1
## - TotalFeesBilled 1 1282.9 1314.9
## - OpeningBalance 1 1294.7 1326.7
## - CreditLimit 1 1306.2 1338.2
##
## Step: AIC=1297.42
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusX +
## DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusF 1 1266.2 1296.2
## - IntStatusD 1 1266.5 1296.5
## - ExtStatusI 1 1266.9 1296.9
## - Concessions 1 1267.1 1297.1
## <none> 1265.4 1297.4
## - IntStatusX 1 1267.5 1297.5
## - DisplayMinPay 1 1271.0 1301.0
## - DaysDeliq 1 1272.2 1302.2
## - Bscore 1 1272.5 1302.5
## - QuarterlyCreditScore 1 1272.9 1302.9
## - OverlimitAmount 1 1273.9 1303.9
## - TotalNetPayments 1 1274.8 1304.8
## - TotalNetPurchaseAndCash 1 1282.3 1312.3
## - TotalFeesBilled 1 1283.7 1313.7
## - OpeningBalance 1 1296.0 1326.0
## - CreditLimit 1 1308.2 1338.2
##
## Step: AIC=1296.23
## .outcome ~ ExtStatusI + IntStatusD + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + CreditLimit +
## TotalNetPayments + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusD 1 1267.1 1295.1
## - ExtStatusI 1 1267.8 1295.8
## - IntStatusX 1 1268.1 1296.1
## - Concessions 1 1268.1 1296.1
## <none> 1266.2 1296.2
## - DisplayMinPay 1 1271.9 1299.9
## - Bscore 1 1272.8 1300.8
## - DaysDeliq 1 1273.2 1301.2
## - QuarterlyCreditScore 1 1273.9 1301.9
## - OverlimitAmount 1 1275.0 1303.0
## - TotalNetPayments 1 1276.3 1304.3
## - TotalNetPurchaseAndCash 1 1283.8 1311.8
## - TotalFeesBilled 1 1284.2 1312.2
## - OpeningBalance 1 1298.8 1326.8
## - CreditLimit 1 1311.2 1339.2
##
## Step: AIC=1295.1
## .outcome ~ ExtStatusI + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + CreditLimit + TotalNetPayments +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusX 1 1268.1 1294.1
## - ExtStatusI 1 1268.6 1294.6
## - Concessions 1 1268.9 1294.9
## <none> 1267.1 1295.1
## - DisplayMinPay 1 1272.8 1298.8
## - DaysDeliq 1 1273.6 1299.6
## - QuarterlyCreditScore 1 1274.9 1300.9
## - Bscore 1 1275.5 1301.5
## - TotalNetPayments 1 1276.5 1302.5
## - OverlimitAmount 1 1276.8 1302.8
## - TotalNetPurchaseAndCash 1 1284.2 1310.2
## - TotalFeesBilled 1 1284.2 1310.2
## - OpeningBalance 1 1299.5 1325.5
## - CreditLimit 1 1311.8 1337.8
##
## Step: AIC=1294.06
## .outcome ~ ExtStatusI + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusI 1 1269.4 1293.4
## - Concessions 1 1269.9 1293.9
## <none> 1268.1 1294.1
## - DisplayMinPay 1 1273.2 1297.2
## - DaysDeliq 1 1273.6 1297.6
## - QuarterlyCreditScore 1 1275.9 1299.9
## - TotalNetPayments 1 1276.6 1300.6
## - OverlimitAmount 1 1276.9 1300.9
## - Bscore 1 1280.6 1304.6
## - TotalNetPurchaseAndCash 1 1284.2 1308.2
## - TotalFeesBilled 1 1284.2 1308.2
## - OpeningBalance 1 1299.7 1323.7
## - CreditLimit 1 1312.3 1336.3
##
## Step: AIC=1293.37
## .outcome ~ DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - Concessions 1 1271.2 1293.2
## <none> 1269.4 1293.4
## - DisplayMinPay 1 1274.6 1296.6
## - DaysDeliq 1 1275.2 1297.2
## - QuarterlyCreditScore 1 1277.2 1299.2
## - TotalNetPayments 1 1278.1 1300.1
## - OverlimitAmount 1 1278.3 1300.3
## - Bscore 1 1281.9 1303.9
## - TotalFeesBilled 1 1284.9 1306.9
## - TotalNetPurchaseAndCash 1 1285.7 1307.7
## - OpeningBalance 1 1301.5 1323.5
## - CreditLimit 1 1313.8 1335.8
##
## Step: AIC=1293.23
## .outcome ~ DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## <none> 1271.2 1293.2
## - DisplayMinPay 1 1277.1 1297.1
## - DaysDeliq 1 1277.1 1297.1
## - TotalNetPayments 1 1278.8 1298.8
## - QuarterlyCreditScore 1 1278.8 1298.8
## - OverlimitAmount 1 1281.0 1301.0
## - Bscore 1 1284.6 1304.6
## - TotalNetPurchaseAndCash 1 1287.7 1307.7
## - TotalFeesBilled 1 1288.1 1308.1
## - OpeningBalance 1 1304.2 1324.2
## - CreditLimit 1 1316.8 1336.8
## Start: AIC=1327.69
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## ExtStatusZ + IntStatusD + IntStatusN + IntStatusO + IntStatusX +
## DaysDeliq + ActualMinPay + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
##
## Step: AIC=1327.69
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## ActualMinPay + OverlimitAmount + DisplayMinPay + OpeningBalance +
## BillLateCharge + EndingBalance + CreditLimit + TotalNetPayments +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ActualMinPay 1 1281.7 1325.7
## - DisplayMinPay 1 1281.7 1325.7
## - OverlimitAmount 1 1281.7 1325.7
## - IntStatusO 1 1281.7 1325.7
## - ExtStatusC 1 1281.8 1325.8
## - ExtStatusE 1 1281.8 1325.8
## - OpeningBalance 1 1281.9 1325.9
## - BillLateCharge 1 1282.1 1326.1
## - TotalNetPurchaseAndCash 1 1282.2 1326.2
## - TotalNetPayments 1 1282.4 1326.4
## - IntStatusN 1 1282.6 1326.6
## - ExtStatusF 1 1283.0 1327.0
## - IntStatusD 1 1283.1 1327.1
## - ExtStatusI 1 1283.3 1327.3
## - TotalFeesBilled 1 1283.3 1327.3
## - EndingBalance 1 1283.5 1327.5
## <none> 1281.7 1327.7
## - IntStatusX 1 1284.0 1328.0
## - Concessions 1 1285.2 1329.2
## - DaysDeliq 1 1287.7 1331.7
## - Bscore 1 1287.8 1331.8
## - QuarterlyCreditScore 1 1288.5 1332.5
## - CreditLimit 1 1312.5 1356.5
##
## Step: AIC=1325.69
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusO 1 1281.7 1323.7
## - ExtStatusC 1 1281.8 1323.8
## - ExtStatusE 1 1281.8 1323.8
## - OpeningBalance 1 1281.9 1323.9
## - BillLateCharge 1 1282.1 1324.1
## - TotalNetPurchaseAndCash 1 1282.2 1324.2
## - TotalNetPayments 1 1282.4 1324.4
## - IntStatusN 1 1282.6 1324.6
## - ExtStatusF 1 1283.0 1325.0
## - IntStatusD 1 1283.1 1325.1
## - ExtStatusI 1 1283.3 1325.3
## - TotalFeesBilled 1 1283.3 1325.3
## - EndingBalance 1 1283.5 1325.5
## <none> 1281.7 1325.7
## - IntStatusX 1 1284.0 1326.0
## - Concessions 1 1285.2 1327.2
## - DisplayMinPay 1 1286.3 1328.3
## - DaysDeliq 1 1287.7 1329.7
## - Bscore 1 1287.8 1329.8
## - OverlimitAmount 1 1288.5 1330.5
## - QuarterlyCreditScore 1 1288.5 1330.5
## - CreditLimit 1 1312.5 1354.5
##
## Step: AIC=1323.71
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + BillLateCharge + EndingBalance +
## CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusC 1 1281.8 1321.8
## - ExtStatusE 1 1281.8 1321.8
## - OpeningBalance 1 1281.9 1321.9
## - BillLateCharge 1 1282.1 1322.1
## - TotalNetPurchaseAndCash 1 1282.2 1322.2
## - TotalNetPayments 1 1282.4 1322.4
## - IntStatusN 1 1282.6 1322.6
## - ExtStatusF 1 1283.0 1323.0
## - IntStatusD 1 1283.2 1323.2
## - ExtStatusI 1 1283.3 1323.3
## - TotalFeesBilled 1 1283.3 1323.3
## - EndingBalance 1 1283.5 1323.5
## <none> 1281.7 1323.7
## - IntStatusX 1 1284.0 1324.0
## - Concessions 1 1285.2 1325.2
## - DisplayMinPay 1 1286.3 1326.3
## - DaysDeliq 1 1287.9 1327.9
## - Bscore 1 1287.9 1327.9
## - QuarterlyCreditScore 1 1288.6 1328.6
## - OverlimitAmount 1 1288.7 1328.7
## - CreditLimit 1 1313.7 1353.7
##
## Step: AIC=1321.76
## .outcome ~ ExtStatusE + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusE 1 1281.9 1319.9
## - OpeningBalance 1 1282.0 1320.0
## - BillLateCharge 1 1282.1 1320.1
## - TotalNetPurchaseAndCash 1 1282.2 1320.2
## - TotalNetPayments 1 1282.5 1320.5
## - IntStatusN 1 1282.7 1320.7
## - ExtStatusF 1 1283.1 1321.1
## - IntStatusD 1 1283.3 1321.3
## - ExtStatusI 1 1283.3 1321.3
## - TotalFeesBilled 1 1283.4 1321.4
## - EndingBalance 1 1283.5 1321.5
## <none> 1281.8 1321.8
## - IntStatusX 1 1284.0 1322.0
## - Concessions 1 1285.2 1323.2
## - DisplayMinPay 1 1286.4 1324.4
## - DaysDeliq 1 1288.0 1326.0
## - Bscore 1 1288.1 1326.1
## - QuarterlyCreditScore 1 1288.6 1326.6
## - OverlimitAmount 1 1288.8 1326.8
## - CreditLimit 1 1314.0 1352.0
##
## Step: AIC=1319.88
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusN +
## IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - OpeningBalance 1 1282.1 1318.1
## - BillLateCharge 1 1282.3 1318.3
## - TotalNetPurchaseAndCash 1 1282.4 1318.4
## - TotalNetPayments 1 1282.6 1318.6
## - IntStatusN 1 1282.8 1318.8
## - ExtStatusF 1 1283.2 1319.2
## - IntStatusD 1 1283.4 1319.4
## - ExtStatusI 1 1283.5 1319.5
## - TotalFeesBilled 1 1283.5 1319.5
## - EndingBalance 1 1283.6 1319.6
## <none> 1281.9 1319.9
## - IntStatusX 1 1284.2 1320.2
## - Concessions 1 1285.3 1321.3
## - DisplayMinPay 1 1286.5 1322.5
## - DaysDeliq 1 1288.1 1324.1
## - Bscore 1 1288.2 1324.2
## - QuarterlyCreditScore 1 1288.9 1324.9
## - OverlimitAmount 1 1288.9 1324.9
## - CreditLimit 1 1314.2 1350.2
##
## Step: AIC=1318.09
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusN +
## IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## BillLateCharge + EndingBalance + CreditLimit + TotalNetPayments +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - BillLateCharge 1 1282.5 1316.5
## - IntStatusN 1 1283.0 1317.0
## - ExtStatusF 1 1283.4 1317.4
## - IntStatusD 1 1283.6 1317.6
## - ExtStatusI 1 1283.7 1317.7
## <none> 1282.1 1318.1
## - IntStatusX 1 1284.4 1318.4
## - TotalFeesBilled 1 1285.0 1319.0
## - TotalNetPurchaseAndCash 1 1285.3 1319.3
## - Concessions 1 1286.0 1320.0
## - DisplayMinPay 1 1286.7 1320.7
## - TotalNetPayments 1 1287.5 1321.5
## - DaysDeliq 1 1288.3 1322.3
## - Bscore 1 1288.5 1322.5
## - QuarterlyCreditScore 1 1289.0 1323.0
## - OverlimitAmount 1 1289.3 1323.3
## - EndingBalance 1 1304.9 1338.9
## - CreditLimit 1 1314.2 1348.2
##
## Step: AIC=1316.48
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusN +
## IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## EndingBalance + CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusN 1 1283.4 1315.4
## - ExtStatusF 1 1283.8 1315.8
## - IntStatusD 1 1283.8 1315.8
## - ExtStatusI 1 1284.0 1316.0
## - IntStatusX 1 1284.5 1316.5
## <none> 1282.5 1316.5
## - TotalNetPurchaseAndCash 1 1285.5 1317.5
## - Concessions 1 1286.3 1318.3
## - DisplayMinPay 1 1286.9 1318.9
## - TotalNetPayments 1 1287.9 1319.9
## - Bscore 1 1288.7 1320.7
## - DaysDeliq 1 1288.9 1320.9
## - QuarterlyCreditScore 1 1289.4 1321.4
## - OverlimitAmount 1 1289.5 1321.5
## - TotalFeesBilled 1 1293.0 1325.0
## - EndingBalance 1 1305.0 1337.0
## - CreditLimit 1 1315.4 1347.4
##
## Step: AIC=1315.38
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusX +
## DaysDeliq + OverlimitAmount + DisplayMinPay + EndingBalance +
## CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusF 1 1284.7 1314.7
## - IntStatusD 1 1284.7 1314.7
## - ExtStatusI 1 1284.9 1314.9
## - IntStatusX 1 1285.4 1315.4
## <none> 1283.4 1315.4
## - TotalNetPurchaseAndCash 1 1286.3 1316.3
## - Concessions 1 1287.3 1317.3
## - DisplayMinPay 1 1287.6 1317.6
## - TotalNetPayments 1 1288.9 1318.9
## - Bscore 1 1289.6 1319.6
## - DaysDeliq 1 1289.7 1319.7
## - OverlimitAmount 1 1290.1 1320.1
## - QuarterlyCreditScore 1 1290.4 1320.4
## - TotalFeesBilled 1 1294.0 1324.0
## - EndingBalance 1 1306.6 1336.6
## - CreditLimit 1 1317.7 1347.7
##
## Step: AIC=1314.67
## .outcome ~ ExtStatusI + IntStatusD + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + EndingBalance + CreditLimit +
## TotalNetPayments + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusD 1 1285.7 1313.7
## - ExtStatusI 1 1286.3 1314.3
## - IntStatusX 1 1286.3 1314.3
## <none> 1284.7 1314.7
## - TotalNetPurchaseAndCash 1 1288.1 1316.1
## - Concessions 1 1289.0 1317.0
## - DisplayMinPay 1 1289.0 1317.0
## - Bscore 1 1289.7 1317.7
## - TotalNetPayments 1 1290.6 1318.6
## - DaysDeliq 1 1291.2 1319.2
## - OverlimitAmount 1 1291.6 1319.6
## - QuarterlyCreditScore 1 1291.9 1319.9
## - TotalFeesBilled 1 1294.9 1322.9
## - EndingBalance 1 1310.5 1338.5
## - CreditLimit 1 1322.2 1350.2
##
## Step: AIC=1313.67
## .outcome ~ ExtStatusI + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + EndingBalance + CreditLimit + TotalNetPayments +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusX 1 1286.3 1312.3
## - ExtStatusI 1 1287.2 1313.2
## <none> 1285.7 1313.7
## - TotalNetPurchaseAndCash 1 1289.5 1315.5
## - Concessions 1 1289.9 1315.9
## - DisplayMinPay 1 1290.1 1316.1
## - DaysDeliq 1 1291.4 1317.4
## - TotalNetPayments 1 1292.3 1318.3
## - Bscore 1 1292.5 1318.5
## - QuarterlyCreditScore 1 1293.0 1319.0
## - OverlimitAmount 1 1293.9 1319.9
## - TotalFeesBilled 1 1295.0 1321.0
## - EndingBalance 1 1311.5 1337.5
## - CreditLimit 1 1322.8 1348.8
##
## Step: AIC=1312.35
## .outcome ~ ExtStatusI + DaysDeliq + OverlimitAmount + DisplayMinPay +
## EndingBalance + CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusI 1 1287.7 1311.7
## <none> 1286.3 1312.3
## - TotalNetPurchaseAndCash 1 1290.1 1314.1
## - DisplayMinPay 1 1290.4 1314.4
## - Concessions 1 1290.5 1314.5
## - DaysDeliq 1 1291.4 1315.4
## - TotalNetPayments 1 1292.9 1316.9
## - QuarterlyCreditScore 1 1293.7 1317.7
## - OverlimitAmount 1 1293.9 1317.9
## - TotalFeesBilled 1 1295.1 1319.1
## - Bscore 1 1296.7 1320.7
## - EndingBalance 1 1311.6 1335.6
## - CreditLimit 1 1323.4 1347.4
##
## Step: AIC=1311.73
## .outcome ~ DaysDeliq + OverlimitAmount + DisplayMinPay + EndingBalance +
## CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## <none> 1287.7 1311.7
## - TotalNetPurchaseAndCash 1 1291.7 1313.7
## - DisplayMinPay 1 1291.9 1313.9
## - Concessions 1 1291.9 1313.9
## - DaysDeliq 1 1293.1 1315.1
## - TotalNetPayments 1 1294.4 1316.4
## - QuarterlyCreditScore 1 1295.1 1317.1
## - OverlimitAmount 1 1295.3 1317.3
## - TotalFeesBilled 1 1296.0 1318.0
## - Bscore 1 1298.1 1320.1
## - EndingBalance 1 1313.6 1335.6
## - CreditLimit 1 1325.0 1347.0
## Start: AIC=1312.44
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## ExtStatusZ + IntStatusD + IntStatusN + IntStatusO + IntStatusX +
## DaysDeliq + ActualMinPay + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
##
## Step: AIC=1312.44
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## ExtStatusZ + IntStatusD + IntStatusN + IntStatusO + IntStatusX +
## DaysDeliq + ActualMinPay + OverlimitAmount + OpeningBalance +
## BillLateCharge + EndingBalance + CreditLimit + TotalNetPayments +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
##
## Step: AIC=1312.44
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## ActualMinPay + OverlimitAmount + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - TotalNetPurchaseAndCash 1 1268.5 1310.5
## - ExtStatusC 1 1268.5 1310.5
## - IntStatusO 1 1268.5 1310.5
## - OpeningBalance 1 1268.6 1310.6
## - TotalNetPayments 1 1268.6 1310.6
## - BillLateCharge 1 1268.7 1310.7
## - ExtStatusF 1 1268.9 1310.9
## - IntStatusD 1 1269.1 1311.1
## - IntStatusN 1 1269.2 1311.2
## - IntStatusX 1 1269.6 1311.6
## - EndingBalance 1 1269.8 1311.8
## - ExtStatusI 1 1269.9 1311.9
## - ExtStatusE 1 1270.0 1312.0
## <none> 1268.4 1312.4
## - Concessions 1 1270.5 1312.5
## - TotalFeesBilled 1 1270.9 1312.9
## - QuarterlyCreditScore 1 1272.4 1314.4
## - ActualMinPay 1 1272.7 1314.7
## - DaysDeliq 1 1273.3 1315.3
## - OverlimitAmount 1 1273.3 1315.3
## - Bscore 1 1273.4 1315.4
## - CreditLimit 1 1308.7 1350.7
##
## Step: AIC=1310.45
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## ActualMinPay + OverlimitAmount + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusC 1 1268.5 1308.5
## - IntStatusO 1 1268.5 1308.5
## - BillLateCharge 1 1268.7 1308.7
## - ExtStatusF 1 1268.9 1308.9
## - IntStatusD 1 1269.1 1309.1
## - IntStatusN 1 1269.2 1309.2
## - IntStatusX 1 1269.6 1309.6
## - ExtStatusI 1 1270.0 1310.0
## - ExtStatusE 1 1270.0 1310.0
## <none> 1268.5 1310.5
## - TotalNetPayments 1 1270.5 1310.5
## - Concessions 1 1270.9 1310.9
## - TotalFeesBilled 1 1271.8 1311.8
## - QuarterlyCreditScore 1 1272.4 1312.4
## - OpeningBalance 1 1272.4 1312.4
## - ActualMinPay 1 1272.7 1312.7
## - DaysDeliq 1 1273.3 1313.3
## - OverlimitAmount 1 1273.3 1313.3
## - Bscore 1 1273.4 1313.4
## - EndingBalance 1 1281.7 1321.7
## - CreditLimit 1 1308.8 1348.8
##
## Step: AIC=1308.47
## .outcome ~ ExtStatusE + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusO + IntStatusX + DaysDeliq + ActualMinPay +
## OverlimitAmount + OpeningBalance + BillLateCharge + EndingBalance +
## CreditLimit + TotalNetPayments + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusO 1 1268.5 1306.5
## - BillLateCharge 1 1268.7 1306.7
## - ExtStatusF 1 1268.9 1306.9
## - IntStatusD 1 1269.2 1307.2
## - IntStatusN 1 1269.2 1307.2
## - IntStatusX 1 1269.6 1307.6
## - ExtStatusI 1 1270.0 1308.0
## - ExtStatusE 1 1270.0 1308.0
## <none> 1268.5 1308.5
## - TotalNetPayments 1 1270.5 1308.5
## - Concessions 1 1270.9 1308.9
## - TotalFeesBilled 1 1271.8 1309.8
## - QuarterlyCreditScore 1 1272.4 1310.4
## - OpeningBalance 1 1272.4 1310.4
## - ActualMinPay 1 1272.7 1310.7
## - DaysDeliq 1 1273.3 1311.3
## - OverlimitAmount 1 1273.4 1311.4
## - Bscore 1 1273.5 1311.5
## - EndingBalance 1 1281.7 1319.7
## - CreditLimit 1 1309.1 1347.1
##
## Step: AIC=1306.52
## .outcome ~ ExtStatusE + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusX + DaysDeliq + ActualMinPay + OverlimitAmount +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalFeesBilled + Concessions + QuarterlyCreditScore +
## Bscore
##
## Df Deviance AIC
## - BillLateCharge 1 1268.8 1304.8
## - ExtStatusF 1 1268.9 1304.9
## - IntStatusN 1 1269.2 1305.2
## - IntStatusD 1 1269.2 1305.2
## - IntStatusX 1 1269.6 1305.6
## - ExtStatusI 1 1270.0 1306.0
## - ExtStatusE 1 1270.1 1306.1
## - TotalNetPayments 1 1270.5 1306.5
## <none> 1268.5 1306.5
## - Concessions 1 1271.0 1307.0
## - TotalFeesBilled 1 1271.8 1307.8
## - QuarterlyCreditScore 1 1272.4 1308.4
## - OpeningBalance 1 1272.5 1308.5
## - ActualMinPay 1 1272.8 1308.8
## - OverlimitAmount 1 1273.4 1309.4
## - DaysDeliq 1 1273.5 1309.5
## - Bscore 1 1273.5 1309.5
## - EndingBalance 1 1282.6 1318.6
## - CreditLimit 1 1310.7 1346.7
##
## Step: AIC=1304.75
## .outcome ~ ExtStatusE + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusX + DaysDeliq + ActualMinPay + OverlimitAmount +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusF 1 1269.2 1303.2
## - IntStatusD 1 1269.4 1303.4
## - IntStatusN 1 1269.5 1303.5
## - IntStatusX 1 1269.7 1303.7
## - ExtStatusI 1 1270.2 1304.2
## - ExtStatusE 1 1270.3 1304.3
## <none> 1268.8 1304.8
## - TotalNetPayments 1 1270.8 1304.8
## - Concessions 1 1271.2 1305.2
## - QuarterlyCreditScore 1 1272.6 1306.6
## - OpeningBalance 1 1272.7 1306.7
## - ActualMinPay 1 1272.8 1306.8
## - OverlimitAmount 1 1273.5 1307.5
## - Bscore 1 1273.7 1307.7
## - DaysDeliq 1 1273.9 1307.9
## - TotalFeesBilled 1 1279.2 1313.2
## - EndingBalance 1 1282.7 1316.7
## - CreditLimit 1 1311.4 1345.4
##
## Step: AIC=1303.17
## .outcome ~ ExtStatusE + ExtStatusI + IntStatusD + IntStatusN +
## IntStatusX + DaysDeliq + ActualMinPay + OverlimitAmount +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusD 1 1269.7 1301.7
## - IntStatusN 1 1269.9 1301.9
## - IntStatusX 1 1270.0 1302.0
## - ExtStatusI 1 1270.7 1302.7
## - ExtStatusE 1 1270.7 1302.7
## - TotalNetPayments 1 1271.2 1303.2
## <none> 1269.2 1303.2
## - Concessions 1 1271.8 1303.8
## - QuarterlyCreditScore 1 1273.2 1305.2
## - ActualMinPay 1 1273.3 1305.3
## - OpeningBalance 1 1273.4 1305.4
## - Bscore 1 1273.9 1305.9
## - OverlimitAmount 1 1274.3 1306.3
## - DaysDeliq 1 1274.5 1306.5
## - TotalFeesBilled 1 1279.3 1311.3
## - EndingBalance 1 1283.6 1315.6
## - CreditLimit 1 1314.1 1346.1
##
## Step: AIC=1301.66
## .outcome ~ ExtStatusE + ExtStatusI + IntStatusN + IntStatusX +
## DaysDeliq + ActualMinPay + OverlimitAmount + OpeningBalance +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusX 1 1270.0 1300.0
## - IntStatusN 1 1270.4 1300.4
## - ExtStatusI 1 1271.1 1301.1
## - ExtStatusE 1 1271.2 1301.2
## <none> 1269.7 1301.7
## - TotalNetPayments 1 1271.8 1301.8
## - Concessions 1 1272.2 1302.2
## - ActualMinPay 1 1273.8 1303.8
## - QuarterlyCreditScore 1 1273.8 1303.8
## - OpeningBalance 1 1274.2 1304.2
## - DaysDeliq 1 1275.0 1305.0
## - Bscore 1 1275.8 1305.8
## - OverlimitAmount 1 1277.9 1307.9
## - TotalFeesBilled 1 1279.3 1309.3
## - EndingBalance 1 1283.7 1313.7
## - CreditLimit 1 1314.4 1344.4
##
## Step: AIC=1299.99
## .outcome ~ ExtStatusE + ExtStatusI + IntStatusN + DaysDeliq +
## ActualMinPay + OverlimitAmount + OpeningBalance + EndingBalance +
## CreditLimit + TotalNetPayments + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusN 1 1270.7 1298.7
## - ExtStatusI 1 1271.3 1299.3
## - ExtStatusE 1 1271.5 1299.5
## <none> 1270.0 1300.0
## - TotalNetPayments 1 1272.1 1300.1
## - Concessions 1 1272.5 1300.5
## - ActualMinPay 1 1273.9 1301.9
## - QuarterlyCreditScore 1 1274.1 1302.1
## - OpeningBalance 1 1274.5 1302.5
## - DaysDeliq 1 1275.1 1303.1
## - OverlimitAmount 1 1277.9 1305.9
## - Bscore 1 1278.8 1306.8
## - TotalFeesBilled 1 1279.3 1307.3
## - EndingBalance 1 1283.8 1311.8
## - CreditLimit 1 1315.7 1343.7
##
## Step: AIC=1298.71
## .outcome ~ ExtStatusE + ExtStatusI + DaysDeliq + ActualMinPay +
## OverlimitAmount + OpeningBalance + EndingBalance + CreditLimit +
## TotalNetPayments + TotalFeesBilled + Concessions + QuarterlyCreditScore +
## Bscore
##
## Df Deviance AIC
## - ExtStatusI 1 1272.1 1298.1
## - ExtStatusE 1 1272.3 1298.3
## <none> 1270.7 1298.7
## - TotalNetPayments 1 1272.9 1298.9
## - Concessions 1 1273.3 1299.3
## - ActualMinPay 1 1274.5 1300.5
## - QuarterlyCreditScore 1 1274.9 1300.9
## - OpeningBalance 1 1275.1 1301.1
## - DaysDeliq 1 1275.7 1301.7
## - OverlimitAmount 1 1278.4 1304.4
## - Bscore 1 1279.5 1305.5
## - TotalFeesBilled 1 1280.1 1306.1
## - EndingBalance 1 1285.1 1311.1
## - CreditLimit 1 1317.9 1343.9
##
## Step: AIC=1298.06
## .outcome ~ ExtStatusE + DaysDeliq + ActualMinPay + OverlimitAmount +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusE 1 1273.6 1297.6
## <none> 1272.1 1298.1
## - TotalNetPayments 1 1274.2 1298.2
## - Concessions 1 1274.6 1298.6
## - ActualMinPay 1 1275.9 1299.9
## - QuarterlyCreditScore 1 1276.2 1300.2
## - OpeningBalance 1 1276.6 1300.6
## - DaysDeliq 1 1277.3 1301.3
## - OverlimitAmount 1 1279.5 1303.5
## - Bscore 1 1280.8 1304.8
## - TotalFeesBilled 1 1280.9 1304.9
## - EndingBalance 1 1286.5 1310.5
## - CreditLimit 1 1319.6 1343.6
##
## Step: AIC=1297.6
## .outcome ~ DaysDeliq + ActualMinPay + OverlimitAmount + OpeningBalance +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## <none> 1273.6 1297.6
## - TotalNetPayments 1 1275.7 1297.7
## - Concessions 1 1276.2 1298.2
## - ActualMinPay 1 1277.6 1299.6
## - QuarterlyCreditScore 1 1278.1 1300.1
## - OpeningBalance 1 1278.3 1300.3
## - DaysDeliq 1 1279.1 1301.1
## - OverlimitAmount 1 1281.1 1303.1
## - Bscore 1 1282.2 1304.2
## - TotalFeesBilled 1 1282.4 1304.4
## - EndingBalance 1 1288.1 1310.1
## - CreditLimit 1 1321.4 1343.4
## Start: AIC=1310.42
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## ExtStatusZ + IntStatusD + IntStatusN + IntStatusO + IntStatusX +
## DaysDeliq + ActualMinPay + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
##
## Step: AIC=1310.42
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## ActualMinPay + OverlimitAmount + DisplayMinPay + OpeningBalance +
## BillLateCharge + EndingBalance + CreditLimit + TotalNetPayments +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ActualMinPay 1 1264.4 1308.4
## - IntStatusO 1 1264.4 1308.4
## - TotalNetPurchaseAndCash 1 1264.4 1308.4
## - DisplayMinPay 1 1264.4 1308.4
## - TotalNetPayments 1 1264.5 1308.5
## - OverlimitAmount 1 1264.5 1308.5
## - ExtStatusC 1 1264.6 1308.6
## - ExtStatusE 1 1264.7 1308.7
## - OpeningBalance 1 1264.7 1308.7
## - BillLateCharge 1 1264.9 1308.9
## - ExtStatusF 1 1265.0 1309.0
## - IntStatusN 1 1265.3 1309.3
## - EndingBalance 1 1265.4 1309.4
## - IntStatusD 1 1265.5 1309.5
## - TotalFeesBilled 1 1265.7 1309.7
## - ExtStatusI 1 1265.8 1309.8
## - Concessions 1 1266.3 1310.3
## <none> 1264.4 1310.4
## - IntStatusX 1 1267.1 1311.1
## - QuarterlyCreditScore 1 1268.4 1312.4
## - Bscore 1 1268.5 1312.5
## - DaysDeliq 1 1273.4 1317.4
## - CreditLimit 1 1299.5 1343.5
##
## Step: AIC=1308.42
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusO 1 1264.4 1306.4
## - TotalNetPurchaseAndCash 1 1264.4 1306.4
## - TotalNetPayments 1 1264.5 1306.5
## - ExtStatusC 1 1264.6 1306.6
## - ExtStatusE 1 1264.7 1306.7
## - OpeningBalance 1 1264.7 1306.7
## - BillLateCharge 1 1264.9 1306.9
## - ExtStatusF 1 1265.0 1307.0
## - IntStatusN 1 1265.3 1307.3
## - EndingBalance 1 1265.4 1307.4
## - IntStatusD 1 1265.5 1307.5
## - TotalFeesBilled 1 1265.7 1307.7
## - ExtStatusI 1 1265.8 1307.8
## - Concessions 1 1266.3 1308.3
## <none> 1264.4 1308.4
## - IntStatusX 1 1267.1 1309.1
## - QuarterlyCreditScore 1 1268.4 1310.4
## - Bscore 1 1268.5 1310.5
## - DisplayMinPay 1 1269.9 1311.9
## - OverlimitAmount 1 1272.1 1314.1
## - DaysDeliq 1 1273.4 1315.4
## - CreditLimit 1 1299.5 1341.5
##
## Step: AIC=1306.42
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + BillLateCharge + EndingBalance +
## CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - TotalNetPurchaseAndCash 1 1264.4 1304.4
## - TotalNetPayments 1 1264.5 1304.5
## - ExtStatusC 1 1264.6 1304.6
## - ExtStatusE 1 1264.7 1304.7
## - OpeningBalance 1 1264.7 1304.7
## - BillLateCharge 1 1264.9 1304.9
## - ExtStatusF 1 1265.0 1305.0
## - IntStatusN 1 1265.3 1305.3
## - EndingBalance 1 1265.4 1305.4
## - IntStatusD 1 1265.5 1305.5
## - TotalFeesBilled 1 1265.7 1305.7
## - ExtStatusI 1 1265.8 1305.8
## - Concessions 1 1266.3 1306.3
## <none> 1264.4 1306.4
## - IntStatusX 1 1267.2 1307.2
## - QuarterlyCreditScore 1 1268.4 1308.4
## - Bscore 1 1268.7 1308.7
## - DisplayMinPay 1 1270.1 1310.1
## - OverlimitAmount 1 1272.4 1312.4
## - DaysDeliq 1 1273.5 1313.5
## - CreditLimit 1 1301.4 1341.4
##
## Step: AIC=1304.42
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + BillLateCharge + EndingBalance +
## CreditLimit + TotalNetPayments + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusC 1 1264.6 1302.6
## - ExtStatusE 1 1264.7 1302.7
## - BillLateCharge 1 1264.9 1302.9
## - ExtStatusF 1 1265.0 1303.0
## - IntStatusN 1 1265.3 1303.3
## - IntStatusD 1 1265.5 1303.5
## - TotalNetPayments 1 1265.8 1303.8
## - ExtStatusI 1 1265.8 1303.8
## - TotalFeesBilled 1 1266.0 1304.0
## <none> 1264.4 1304.4
## - Concessions 1 1266.7 1304.7
## - IntStatusX 1 1267.2 1305.2
## - QuarterlyCreditScore 1 1268.4 1306.4
## - Bscore 1 1268.7 1306.7
## - DisplayMinPay 1 1270.1 1308.1
## - OpeningBalance 1 1270.2 1308.2
## - OverlimitAmount 1 1272.6 1310.6
## - DaysDeliq 1 1273.5 1311.5
## - EndingBalance 1 1276.1 1314.1
## - CreditLimit 1 1301.5 1339.5
##
## Step: AIC=1302.62
## .outcome ~ ExtStatusE + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalFeesBilled + Concessions + QuarterlyCreditScore +
## Bscore
##
## Df Deviance AIC
## - ExtStatusE 1 1264.9 1300.9
## - BillLateCharge 1 1265.1 1301.1
## - ExtStatusF 1 1265.2 1301.2
## - IntStatusN 1 1265.5 1301.5
## - IntStatusD 1 1265.7 1301.7
## - TotalNetPayments 1 1266.0 1302.0
## - ExtStatusI 1 1266.0 1302.0
## - TotalFeesBilled 1 1266.4 1302.4
## <none> 1264.6 1302.6
## - Concessions 1 1266.9 1302.9
## - IntStatusX 1 1267.3 1303.3
## - QuarterlyCreditScore 1 1268.6 1304.6
## - Bscore 1 1268.8 1304.8
## - DisplayMinPay 1 1270.2 1306.2
## - OpeningBalance 1 1270.3 1306.3
## - OverlimitAmount 1 1272.7 1308.7
## - DaysDeliq 1 1273.6 1309.6
## - EndingBalance 1 1276.6 1312.6
## - CreditLimit 1 1302.7 1338.7
##
## Step: AIC=1300.87
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusN +
## IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalFeesBilled + Concessions + QuarterlyCreditScore +
## Bscore
##
## Df Deviance AIC
## - BillLateCharge 1 1265.4 1299.4
## - ExtStatusF 1 1265.4 1299.4
## - IntStatusN 1 1265.8 1299.8
## - IntStatusD 1 1266.0 1300.0
## - TotalNetPayments 1 1266.2 1300.2
## - ExtStatusI 1 1266.3 1300.3
## - TotalFeesBilled 1 1266.7 1300.7
## <none> 1264.9 1300.9
## - Concessions 1 1267.1 1301.1
## - IntStatusX 1 1267.6 1301.6
## - QuarterlyCreditScore 1 1269.0 1303.0
## - Bscore 1 1269.0 1303.0
## - DisplayMinPay 1 1270.5 1304.5
## - OpeningBalance 1 1270.6 1304.6
## - OverlimitAmount 1 1273.0 1307.0
## - DaysDeliq 1 1273.9 1307.9
## - EndingBalance 1 1276.9 1310.9
## - CreditLimit 1 1303.0 1337.0
##
## Step: AIC=1299.38
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusN +
## IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusF 1 1265.9 1297.9
## - IntStatusN 1 1266.2 1298.2
## - IntStatusD 1 1266.3 1298.3
## - ExtStatusI 1 1266.8 1298.8
## - TotalNetPayments 1 1266.8 1298.8
## <none> 1265.4 1299.4
## - Concessions 1 1267.6 1299.6
## - IntStatusX 1 1267.7 1299.7
## - Bscore 1 1269.3 1301.3
## - QuarterlyCreditScore 1 1269.5 1301.5
## - DisplayMinPay 1 1270.8 1302.8
## - OpeningBalance 1 1271.0 1303.0
## - TotalFeesBilled 1 1272.7 1304.7
## - OverlimitAmount 1 1273.2 1305.2
## - DaysDeliq 1 1274.7 1306.7
## - EndingBalance 1 1276.9 1308.9
## - CreditLimit 1 1303.8 1335.8
##
## Step: AIC=1297.9
## .outcome ~ ExtStatusI + IntStatusD + IntStatusN + IntStatusX +
## DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusD 1 1266.6 1296.6
## - IntStatusN 1 1266.8 1296.8
## - TotalNetPayments 1 1267.2 1297.2
## - ExtStatusI 1 1267.3 1297.3
## <none> 1265.9 1297.9
## - IntStatusX 1 1268.0 1298.0
## - Concessions 1 1268.2 1298.2
## - Bscore 1 1269.4 1299.4
## - QuarterlyCreditScore 1 1270.1 1300.1
## - DisplayMinPay 1 1271.4 1301.4
## - OpeningBalance 1 1271.9 1301.9
## - TotalFeesBilled 1 1273.0 1303.0
## - OverlimitAmount 1 1274.0 1304.0
## - DaysDeliq 1 1275.3 1305.3
## - EndingBalance 1 1277.8 1307.8
## - CreditLimit 1 1306.2 1336.2
##
## Step: AIC=1296.64
## .outcome ~ ExtStatusI + IntStatusN + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + EndingBalance +
## CreditLimit + TotalNetPayments + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusN 1 1267.5 1295.5
## - ExtStatusI 1 1268.0 1296.0
## - IntStatusX 1 1268.1 1296.1
## - TotalNetPayments 1 1268.1 1296.1
## <none> 1266.6 1296.6
## - Concessions 1 1268.9 1296.9
## - QuarterlyCreditScore 1 1271.0 1299.0
## - Bscore 1 1271.3 1299.3
## - DisplayMinPay 1 1272.2 1300.2
## - OpeningBalance 1 1273.0 1301.0
## - TotalFeesBilled 1 1273.1 1301.1
## - OverlimitAmount 1 1276.0 1304.0
## - DaysDeliq 1 1276.5 1304.5
## - EndingBalance 1 1278.3 1306.3
## - CreditLimit 1 1306.8 1334.8
##
## Step: AIC=1295.52
## .outcome ~ ExtStatusI + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + EndingBalance + CreditLimit +
## TotalNetPayments + TotalFeesBilled + Concessions + QuarterlyCreditScore +
## Bscore
##
## Df Deviance AIC
## - ExtStatusI 1 1268.9 1294.9
## - IntStatusX 1 1269.0 1295.0
## - TotalNetPayments 1 1269.0 1295.0
## <none> 1267.5 1295.5
## - Concessions 1 1269.8 1295.8
## - QuarterlyCreditScore 1 1271.9 1297.9
## - Bscore 1 1272.2 1298.2
## - DisplayMinPay 1 1272.8 1298.8
## - OpeningBalance 1 1273.7 1299.7
## - TotalFeesBilled 1 1274.0 1300.0
## - OverlimitAmount 1 1276.4 1302.4
## - DaysDeliq 1 1277.2 1303.2
## - EndingBalance 1 1279.7 1305.7
## - CreditLimit 1 1309.1 1335.1
##
## Step: AIC=1294.89
## .outcome ~ IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusX 1 1270.1 1294.1
## - TotalNetPayments 1 1270.4 1294.4
## <none> 1268.9 1294.9
## - Concessions 1 1271.2 1295.2
## - QuarterlyCreditScore 1 1273.2 1297.2
## - Bscore 1 1273.8 1297.8
## - DisplayMinPay 1 1274.2 1298.2
## - TotalFeesBilled 1 1274.8 1298.8
## - OpeningBalance 1 1275.3 1299.3
## - OverlimitAmount 1 1277.7 1301.7
## - DaysDeliq 1 1278.7 1302.7
## - EndingBalance 1 1281.1 1305.1
## - CreditLimit 1 1310.4 1334.4
##
## Step: AIC=1294.11
## .outcome ~ DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - TotalNetPayments 1 1271.6 1293.6
## <none> 1270.1 1294.1
## - Concessions 1 1272.4 1294.4
## - QuarterlyCreditScore 1 1274.5 1296.5
## - DisplayMinPay 1 1274.8 1296.8
## - TotalFeesBilled 1 1275.4 1297.4
## - OpeningBalance 1 1276.5 1298.5
## - OverlimitAmount 1 1277.9 1299.9
## - Bscore 1 1278.2 1300.2
## - DaysDeliq 1 1278.7 1300.7
## - EndingBalance 1 1281.3 1303.3
## - CreditLimit 1 1310.6 1332.6
##
## Step: AIC=1293.63
## .outcome ~ DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## <none> 1271.6 1293.6
## - Concessions 1 1274.7 1294.7
## - QuarterlyCreditScore 1 1276.4 1296.4
## - DisplayMinPay 1 1276.4 1296.4
## - TotalFeesBilled 1 1276.5 1296.5
## - DaysDeliq 1 1279.6 1299.6
## - Bscore 1 1280.0 1300.0
## - OverlimitAmount 1 1280.1 1300.1
## - OpeningBalance 1 1281.6 1301.6
## - EndingBalance 1 1281.6 1301.6
## - CreditLimit 1 1311.2 1331.2
## Start: AIC=1327.59
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## ExtStatusZ + IntStatusD + IntStatusN + IntStatusO + IntStatusX +
## DaysDeliq + ActualMinPay + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
##
## Step: AIC=1327.59
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## ActualMinPay + OverlimitAmount + DisplayMinPay + OpeningBalance +
## BillLateCharge + EndingBalance + CreditLimit + TotalNetPayments +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ActualMinPay 1 1281.6 1325.6
## - TotalNetPurchaseAndCash 1 1281.6 1325.6
## - DisplayMinPay 1 1281.6 1325.6
## - ExtStatusC 1 1281.6 1325.6
## - TotalNetPayments 1 1281.6 1325.6
## - OverlimitAmount 1 1281.6 1325.6
## - BillLateCharge 1 1281.7 1325.7
## - OpeningBalance 1 1281.8 1325.8
## - ExtStatusE 1 1281.9 1325.9
## - IntStatusO 1 1281.9 1325.9
## - IntStatusD 1 1281.9 1325.9
## - IntStatusX 1 1282.1 1326.1
## - ExtStatusF 1 1282.1 1326.1
## - IntStatusN 1 1282.5 1326.5
## - EndingBalance 1 1282.6 1326.6
## - ExtStatusI 1 1282.9 1326.9
## <none> 1281.6 1327.6
## - TotalFeesBilled 1 1284.0 1328.0
## - Concessions 1 1284.2 1328.2
## - QuarterlyCreditScore 1 1286.1 1330.1
## - DaysDeliq 1 1287.3 1331.3
## - Bscore 1 1287.9 1331.9
## - CreditLimit 1 1313.0 1357.0
##
## Step: AIC=1325.59
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - TotalNetPurchaseAndCash 1 1281.6 1323.6
## - ExtStatusC 1 1281.6 1323.6
## - TotalNetPayments 1 1281.6 1323.6
## - BillLateCharge 1 1281.7 1323.7
## - OpeningBalance 1 1281.8 1323.8
## - ExtStatusE 1 1281.9 1323.9
## - IntStatusO 1 1281.9 1323.9
## - IntStatusD 1 1281.9 1323.9
## - IntStatusX 1 1282.1 1324.1
## - ExtStatusF 1 1282.1 1324.1
## - IntStatusN 1 1282.5 1324.5
## - EndingBalance 1 1282.6 1324.6
## - ExtStatusI 1 1282.9 1324.9
## <none> 1281.6 1325.6
## - TotalFeesBilled 1 1284.0 1326.0
## - Concessions 1 1284.2 1326.2
## - QuarterlyCreditScore 1 1286.1 1328.1
## - DaysDeliq 1 1287.3 1329.3
## - DisplayMinPay 1 1287.4 1329.4
## - Bscore 1 1287.9 1329.9
## - OverlimitAmount 1 1290.2 1332.2
## - CreditLimit 1 1313.0 1355.0
##
## Step: AIC=1323.59
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusC 1 1281.6 1321.6
## - BillLateCharge 1 1281.7 1321.7
## - ExtStatusE 1 1281.9 1321.9
## - IntStatusO 1 1281.9 1321.9
## - IntStatusD 1 1281.9 1321.9
## - IntStatusX 1 1282.1 1322.1
## - ExtStatusF 1 1282.1 1322.1
## - IntStatusN 1 1282.5 1322.5
## - ExtStatusI 1 1282.9 1322.9
## - TotalNetPayments 1 1283.4 1323.4
## <none> 1281.6 1323.6
## - TotalFeesBilled 1 1284.6 1324.6
## - Concessions 1 1284.8 1324.8
## - OpeningBalance 1 1284.9 1324.9
## - QuarterlyCreditScore 1 1286.1 1326.1
## - DaysDeliq 1 1287.3 1327.3
## - DisplayMinPay 1 1287.4 1327.4
## - Bscore 1 1287.9 1327.9
## - OverlimitAmount 1 1290.3 1330.3
## - EndingBalance 1 1293.2 1333.2
## - CreditLimit 1 1313.0 1353.0
##
## Step: AIC=1321.62
## .outcome ~ ExtStatusE + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusO + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + BillLateCharge + EndingBalance +
## CreditLimit + TotalNetPayments + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - BillLateCharge 1 1281.7 1319.7
## - ExtStatusE 1 1281.9 1319.9
## - IntStatusO 1 1282.0 1320.0
## - IntStatusD 1 1282.0 1320.0
## - IntStatusX 1 1282.1 1320.1
## - ExtStatusF 1 1282.2 1320.2
## - IntStatusN 1 1282.6 1320.6
## - ExtStatusI 1 1282.9 1320.9
## - TotalNetPayments 1 1283.4 1321.4
## <none> 1281.6 1321.6
## - TotalFeesBilled 1 1284.6 1322.6
## - Concessions 1 1284.8 1322.8
## - OpeningBalance 1 1284.9 1322.9
## - QuarterlyCreditScore 1 1286.2 1324.2
## - DaysDeliq 1 1287.3 1325.3
## - DisplayMinPay 1 1287.4 1325.4
## - Bscore 1 1288.1 1326.1
## - OverlimitAmount 1 1290.4 1328.4
## - EndingBalance 1 1293.3 1331.3
## - CreditLimit 1 1313.4 1351.4
##
## Step: AIC=1319.68
## .outcome ~ ExtStatusE + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusO + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + EndingBalance + CreditLimit +
## TotalNetPayments + TotalFeesBilled + Concessions + QuarterlyCreditScore +
## Bscore
##
## Df Deviance AIC
## - ExtStatusE 1 1282.0 1318.0
## - IntStatusD 1 1282.0 1318.0
## - IntStatusO 1 1282.0 1318.0
## - IntStatusX 1 1282.1 1318.1
## - ExtStatusF 1 1282.2 1318.2
## - IntStatusN 1 1282.6 1318.6
## - ExtStatusI 1 1283.0 1319.0
## - TotalNetPayments 1 1283.5 1319.5
## <none> 1281.7 1319.7
## - Concessions 1 1284.9 1320.9
## - OpeningBalance 1 1284.9 1320.9
## - QuarterlyCreditScore 1 1286.2 1322.2
## - DisplayMinPay 1 1287.4 1323.4
## - DaysDeliq 1 1287.5 1323.5
## - Bscore 1 1288.1 1324.1
## - TotalFeesBilled 1 1289.2 1325.2
## - OverlimitAmount 1 1290.4 1326.4
## - EndingBalance 1 1293.4 1329.4
## - CreditLimit 1 1313.6 1349.6
##
## Step: AIC=1317.97
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusN +
## IntStatusO + IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusO 1 1282.3 1316.3
## - IntStatusD 1 1282.3 1316.3
## - IntStatusX 1 1282.4 1316.4
## - ExtStatusF 1 1282.5 1316.5
## - IntStatusN 1 1282.9 1316.9
## - ExtStatusI 1 1283.3 1317.3
## - TotalNetPayments 1 1283.8 1317.8
## <none> 1282.0 1318.0
## - Concessions 1 1285.2 1319.2
## - OpeningBalance 1 1285.3 1319.3
## - QuarterlyCreditScore 1 1286.7 1320.7
## - DisplayMinPay 1 1287.8 1321.8
## - DaysDeliq 1 1287.9 1321.9
## - Bscore 1 1288.4 1322.4
## - TotalFeesBilled 1 1289.6 1323.6
## - OverlimitAmount 1 1290.8 1324.8
## - EndingBalance 1 1293.7 1327.7
## - CreditLimit 1 1314.0 1348.0
##
## Step: AIC=1316.31
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusN +
## IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusX 1 1282.7 1314.7
## - IntStatusD 1 1282.7 1314.7
## - ExtStatusF 1 1282.8 1314.8
## - IntStatusN 1 1283.3 1315.3
## - ExtStatusI 1 1283.6 1315.6
## - TotalNetPayments 1 1284.0 1316.0
## <none> 1282.3 1316.3
## - Concessions 1 1285.5 1317.5
## - OpeningBalance 1 1285.7 1317.7
## - QuarterlyCreditScore 1 1287.0 1319.0
## - DisplayMinPay 1 1287.8 1319.8
## - Bscore 1 1288.4 1320.4
## - DaysDeliq 1 1288.6 1320.6
## - TotalFeesBilled 1 1290.0 1322.0
## - OverlimitAmount 1 1290.8 1322.8
## - EndingBalance 1 1293.9 1325.9
## - CreditLimit 1 1314.5 1346.5
##
## Step: AIC=1314.65
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusN +
## DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusD 1 1282.8 1312.8
## - ExtStatusF 1 1283.1 1313.1
## - IntStatusN 1 1283.6 1313.6
## - ExtStatusI 1 1283.9 1313.9
## - TotalNetPayments 1 1284.4 1314.4
## <none> 1282.7 1314.7
## - Concessions 1 1285.8 1315.8
## - OpeningBalance 1 1286.2 1316.2
## - QuarterlyCreditScore 1 1287.4 1317.4
## - DisplayMinPay 1 1288.0 1318.0
## - DaysDeliq 1 1290.0 1320.0
## - TotalFeesBilled 1 1290.1 1320.1
## - Bscore 1 1290.6 1320.6
## - OverlimitAmount 1 1291.0 1321.0
## - EndingBalance 1 1293.9 1323.9
## - CreditLimit 1 1314.8 1344.8
##
## Step: AIC=1312.76
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusN + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + EndingBalance +
## CreditLimit + TotalNetPayments + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusF 1 1283.1 1311.1
## - IntStatusN 1 1283.7 1311.7
## - ExtStatusI 1 1284.0 1312.0
## - TotalNetPayments 1 1284.6 1312.6
## <none> 1282.8 1312.8
## - Concessions 1 1285.9 1313.9
## - OpeningBalance 1 1286.4 1314.4
## - QuarterlyCreditScore 1 1287.5 1315.5
## - DisplayMinPay 1 1288.2 1316.2
## - TotalFeesBilled 1 1290.2 1318.2
## - DaysDeliq 1 1290.2 1318.2
## - Bscore 1 1290.6 1318.6
## - OverlimitAmount 1 1292.2 1320.2
## - EndingBalance 1 1294.4 1322.4
## - CreditLimit 1 1316.7 1344.7
##
## Step: AIC=1311.13
## .outcome ~ ExtStatusI + IntStatusN + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + EndingBalance + CreditLimit +
## TotalNetPayments + TotalFeesBilled + Concessions + QuarterlyCreditScore +
## Bscore
##
## Df Deviance AIC
## - IntStatusN 1 1284.1 1310.1
## - ExtStatusI 1 1284.4 1310.4
## - TotalNetPayments 1 1284.9 1310.9
## <none> 1283.1 1311.1
## - Concessions 1 1286.5 1312.5
## - OpeningBalance 1 1287.0 1313.0
## - QuarterlyCreditScore 1 1288.0 1314.0
## - DisplayMinPay 1 1288.7 1314.7
## - TotalFeesBilled 1 1290.5 1316.5
## - DaysDeliq 1 1291.1 1317.1
## - Bscore 1 1292.2 1318.2
## - OverlimitAmount 1 1292.8 1318.8
## - EndingBalance 1 1295.2 1321.2
## - CreditLimit 1 1318.8 1344.8
##
## Step: AIC=1310.12
## .outcome ~ ExtStatusI + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusI 1 1285.4 1309.4
## - TotalNetPayments 1 1286.0 1310.0
## <none> 1284.1 1310.1
## - Concessions 1 1287.5 1311.5
## - OpeningBalance 1 1287.9 1311.9
## - QuarterlyCreditScore 1 1289.1 1313.1
## - DisplayMinPay 1 1289.4 1313.4
## - TotalFeesBilled 1 1291.5 1315.5
## - DaysDeliq 1 1291.8 1315.8
## - Bscore 1 1293.3 1317.3
## - OverlimitAmount 1 1293.3 1317.3
## - EndingBalance 1 1296.9 1320.9
## - CreditLimit 1 1321.3 1345.3
##
## Step: AIC=1309.39
## .outcome ~ DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - TotalNetPayments 1 1287.2 1309.2
## <none> 1285.4 1309.4
## - Concessions 1 1288.8 1310.8
## - OpeningBalance 1 1289.3 1311.3
## - QuarterlyCreditScore 1 1290.3 1312.3
## - DisplayMinPay 1 1290.8 1312.8
## - TotalFeesBilled 1 1292.3 1314.3
## - DaysDeliq 1 1293.5 1315.5
## - Bscore 1 1294.5 1316.5
## - OverlimitAmount 1 1294.6 1316.6
## - EndingBalance 1 1298.3 1320.3
## - CreditLimit 1 1322.8 1344.8
##
## Step: AIC=1309.22
## .outcome ~ DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## <none> 1287.2 1309.2
## - Concessions 1 1291.8 1311.8
## - DisplayMinPay 1 1292.6 1312.6
## - QuarterlyCreditScore 1 1292.7 1312.7
## - TotalFeesBilled 1 1293.7 1313.7
## - OpeningBalance 1 1294.2 1314.2
## - DaysDeliq 1 1294.5 1314.5
## - OverlimitAmount 1 1296.8 1316.8
## - Bscore 1 1296.9 1316.9
## - EndingBalance 1 1298.6 1318.6
## - CreditLimit 1 1323.1 1343.1
## Start: AIC=1453.47
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## ExtStatusZ + IntStatusD + IntStatusN + IntStatusO + IntStatusX +
## DaysDeliq + ActualMinPay + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalNetPurchaseAndCash + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
##
## Step: AIC=1453.47
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## ActualMinPay + OverlimitAmount + DisplayMinPay + OpeningBalance +
## BillLateCharge + EndingBalance + CreditLimit + TotalNetPayments +
## TotalNetPurchaseAndCash + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ActualMinPay 1 1407.5 1451.5
## - DisplayMinPay 1 1407.5 1451.5
## - TotalNetPurchaseAndCash 1 1407.5 1451.5
## - TotalNetPayments 1 1407.5 1451.5
## - OverlimitAmount 1 1407.5 1451.5
## - ExtStatusC 1 1407.5 1451.5
## - IntStatusO 1 1407.6 1451.6
## - BillLateCharge 1 1407.7 1451.7
## - ExtStatusE 1 1407.7 1451.7
## - OpeningBalance 1 1407.7 1451.7
## - ExtStatusF 1 1408.2 1452.2
## - IntStatusN 1 1408.3 1452.3
## - EndingBalance 1 1408.4 1452.4
## - IntStatusD 1 1408.8 1452.8
## - ExtStatusI 1 1409.0 1453.0
## <none> 1407.5 1453.5
## - IntStatusX 1 1409.7 1453.7
## - Concessions 1 1410.0 1454.0
## - TotalFeesBilled 1 1410.9 1454.9
## - QuarterlyCreditScore 1 1413.3 1457.3
## - DaysDeliq 1 1414.1 1458.1
## - Bscore 1 1414.3 1458.3
## - CreditLimit 1 1446.0 1490.0
##
## Step: AIC=1451.47
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalNetPurchaseAndCash +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - TotalNetPurchaseAndCash 1 1407.5 1449.5
## - TotalNetPayments 1 1407.5 1449.5
## - ExtStatusC 1 1407.5 1449.5
## - IntStatusO 1 1407.6 1449.6
## - BillLateCharge 1 1407.7 1449.7
## - ExtStatusE 1 1407.7 1449.7
## - OpeningBalance 1 1407.7 1449.7
## - ExtStatusF 1 1408.2 1450.2
## - IntStatusN 1 1408.3 1450.3
## - EndingBalance 1 1408.4 1450.4
## - IntStatusD 1 1408.8 1450.8
## - ExtStatusI 1 1409.0 1451.0
## <none> 1407.5 1451.5
## - IntStatusX 1 1409.7 1451.7
## - Concessions 1 1410.0 1452.0
## - TotalFeesBilled 1 1410.9 1452.9
## - DisplayMinPay 1 1412.8 1454.8
## - QuarterlyCreditScore 1 1413.3 1455.3
## - DaysDeliq 1 1414.1 1456.1
## - Bscore 1 1414.3 1456.3
## - OverlimitAmount 1 1415.5 1457.5
## - CreditLimit 1 1446.0 1488.0
##
## Step: AIC=1449.48
## .outcome ~ ExtStatusC + ExtStatusE + ExtStatusF + ExtStatusI +
## IntStatusD + IntStatusN + IntStatusO + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + BillLateCharge +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusC 1 1407.5 1447.5
## - IntStatusO 1 1407.6 1447.6
## - BillLateCharge 1 1407.7 1447.7
## - ExtStatusE 1 1407.7 1447.7
## - ExtStatusF 1 1408.2 1448.2
## - IntStatusN 1 1408.3 1448.3
## - IntStatusD 1 1408.8 1448.8
## - ExtStatusI 1 1409.0 1449.0
## - TotalNetPayments 1 1409.3 1449.3
## <none> 1407.5 1449.5
## - IntStatusX 1 1409.7 1449.7
## - Concessions 1 1410.8 1450.8
## - OpeningBalance 1 1411.5 1451.5
## - TotalFeesBilled 1 1411.6 1451.6
## - DisplayMinPay 1 1412.8 1452.8
## - QuarterlyCreditScore 1 1413.3 1453.3
## - DaysDeliq 1 1414.1 1454.1
## - Bscore 1 1414.3 1454.3
## - OverlimitAmount 1 1415.5 1455.5
## - EndingBalance 1 1419.9 1459.9
## - CreditLimit 1 1446.1 1486.1
##
## Step: AIC=1447.54
## .outcome ~ ExtStatusE + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusO + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + BillLateCharge + EndingBalance +
## CreditLimit + TotalNetPayments + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusO 1 1407.7 1445.7
## - BillLateCharge 1 1407.8 1445.8
## - ExtStatusE 1 1407.8 1445.8
## - ExtStatusF 1 1408.2 1446.2
## - IntStatusN 1 1408.4 1446.4
## - IntStatusD 1 1408.8 1446.8
## - ExtStatusI 1 1409.1 1447.1
## - TotalNetPayments 1 1409.3 1447.3
## <none> 1407.5 1447.5
## - IntStatusX 1 1409.8 1447.8
## - Concessions 1 1410.8 1448.8
## - OpeningBalance 1 1411.6 1449.6
## - TotalFeesBilled 1 1411.6 1449.6
## - DisplayMinPay 1 1412.8 1450.8
## - QuarterlyCreditScore 1 1413.3 1451.3
## - DaysDeliq 1 1414.2 1452.2
## - Bscore 1 1414.6 1452.6
## - OverlimitAmount 1 1415.7 1453.7
## - EndingBalance 1 1419.9 1457.9
## - CreditLimit 1 1446.4 1484.4
##
## Step: AIC=1445.66
## .outcome ~ ExtStatusE + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + BillLateCharge + EndingBalance + CreditLimit +
## TotalNetPayments + TotalFeesBilled + Concessions + QuarterlyCreditScore +
## Bscore
##
## Df Deviance AIC
## - BillLateCharge 1 1407.9 1443.9
## - ExtStatusE 1 1407.9 1443.9
## - ExtStatusF 1 1408.3 1444.3
## - IntStatusN 1 1408.5 1444.5
## - IntStatusD 1 1409.0 1445.0
## - ExtStatusI 1 1409.2 1445.2
## - TotalNetPayments 1 1409.4 1445.4
## <none> 1407.7 1445.7
## - IntStatusX 1 1409.8 1445.8
## - Concessions 1 1411.0 1447.0
## - TotalFeesBilled 1 1411.8 1447.8
## - OpeningBalance 1 1411.8 1447.8
## - DisplayMinPay 1 1412.8 1448.8
## - QuarterlyCreditScore 1 1413.5 1449.5
## - DaysDeliq 1 1414.5 1450.5
## - Bscore 1 1414.6 1450.6
## - OverlimitAmount 1 1415.7 1451.7
## - EndingBalance 1 1420.6 1456.6
## - CreditLimit 1 1447.5 1483.5
##
## Step: AIC=1443.87
## .outcome ~ ExtStatusE + ExtStatusF + ExtStatusI + IntStatusD +
## IntStatusN + IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusE 1 1408.1 1442.1
## - ExtStatusF 1 1408.5 1442.5
## - IntStatusN 1 1408.7 1442.7
## - IntStatusD 1 1409.1 1443.1
## - ExtStatusI 1 1409.4 1443.4
## - TotalNetPayments 1 1409.6 1443.6
## - IntStatusX 1 1409.8 1443.8
## <none> 1407.9 1443.9
## - Concessions 1 1411.1 1445.1
## - OpeningBalance 1 1411.9 1445.9
## - DisplayMinPay 1 1412.9 1446.9
## - QuarterlyCreditScore 1 1413.7 1447.7
## - Bscore 1 1414.7 1448.7
## - DaysDeliq 1 1415.0 1449.0
## - OverlimitAmount 1 1415.8 1449.8
## - TotalFeesBilled 1 1420.6 1454.6
## - EndingBalance 1 1420.6 1454.6
## - CreditLimit 1 1448.2 1482.2
##
## Step: AIC=1442.14
## .outcome ~ ExtStatusF + ExtStatusI + IntStatusD + IntStatusN +
## IntStatusX + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusF 1 1408.8 1440.8
## - IntStatusN 1 1409.0 1441.0
## - IntStatusD 1 1409.4 1441.4
## - ExtStatusI 1 1409.6 1441.6
## - TotalNetPayments 1 1409.9 1441.9
## - IntStatusX 1 1410.1 1442.1
## <none> 1408.1 1442.1
## - Concessions 1 1411.4 1443.4
## - OpeningBalance 1 1412.2 1444.2
## - DisplayMinPay 1 1413.2 1445.2
## - QuarterlyCreditScore 1 1414.1 1446.1
## - Bscore 1 1414.9 1446.9
## - DaysDeliq 1 1415.3 1447.3
## - OverlimitAmount 1 1416.1 1448.1
## - EndingBalance 1 1420.8 1452.8
## - TotalFeesBilled 1 1420.9 1452.9
## - CreditLimit 1 1448.6 1480.6
##
## Step: AIC=1440.79
## .outcome ~ ExtStatusI + IntStatusD + IntStatusN + IntStatusX +
## DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusN 1 1409.7 1439.7
## - IntStatusD 1 1409.9 1439.9
## - ExtStatusI 1 1410.3 1440.3
## - TotalNetPayments 1 1410.5 1440.5
## - IntStatusX 1 1410.6 1440.6
## <none> 1408.8 1440.8
## - Concessions 1 1412.3 1442.3
## - OpeningBalance 1 1413.2 1443.2
## - DisplayMinPay 1 1414.0 1444.0
## - QuarterlyCreditScore 1 1414.9 1444.9
## - Bscore 1 1415.2 1445.2
## - DaysDeliq 1 1416.1 1446.1
## - OverlimitAmount 1 1417.0 1447.0
## - TotalFeesBilled 1 1421.3 1451.3
## - EndingBalance 1 1422.0 1452.0
## - CreditLimit 1 1451.3 1481.3
##
## Step: AIC=1439.67
## .outcome ~ ExtStatusI + IntStatusD + IntStatusX + DaysDeliq +
## OverlimitAmount + DisplayMinPay + OpeningBalance + EndingBalance +
## CreditLimit + TotalNetPayments + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - IntStatusD 1 1410.7 1438.7
## - ExtStatusI 1 1411.2 1439.2
## - TotalNetPayments 1 1411.5 1439.5
## - IntStatusX 1 1411.5 1439.5
## <none> 1409.7 1439.7
## - Concessions 1 1413.2 1441.2
## - OpeningBalance 1 1414.0 1442.0
## - DisplayMinPay 1 1414.6 1442.6
## - QuarterlyCreditScore 1 1415.9 1443.9
## - Bscore 1 1416.1 1444.1
## - DaysDeliq 1 1416.8 1444.8
## - OverlimitAmount 1 1417.5 1445.5
## - TotalFeesBilled 1 1422.2 1450.2
## - EndingBalance 1 1423.5 1451.5
## - CreditLimit 1 1453.7 1481.7
##
## Step: AIC=1438.74
## .outcome ~ ExtStatusI + IntStatusX + DaysDeliq + OverlimitAmount +
## DisplayMinPay + OpeningBalance + EndingBalance + CreditLimit +
## TotalNetPayments + TotalFeesBilled + Concessions + QuarterlyCreditScore +
## Bscore
##
## Df Deviance AIC
## - IntStatusX 1 1411.5 1437.5
## - ExtStatusI 1 1412.2 1438.2
## - TotalNetPayments 1 1412.7 1438.7
## <none> 1410.7 1438.7
## - Concessions 1 1414.2 1440.2
## - OpeningBalance 1 1415.5 1441.5
## - DisplayMinPay 1 1415.7 1441.7
## - QuarterlyCreditScore 1 1417.1 1443.1
## - DaysDeliq 1 1417.1 1443.1
## - Bscore 1 1419.3 1445.3
## - OverlimitAmount 1 1419.8 1445.8
## - TotalFeesBilled 1 1422.3 1448.3
## - EndingBalance 1 1424.2 1450.2
## - CreditLimit 1 1454.6 1480.6
##
## Step: AIC=1437.5
## .outcome ~ ExtStatusI + DaysDeliq + OverlimitAmount + DisplayMinPay +
## OpeningBalance + EndingBalance + CreditLimit + TotalNetPayments +
## TotalFeesBilled + Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - ExtStatusI 1 1412.8 1436.8
## - TotalNetPayments 1 1413.5 1437.5
## <none> 1411.5 1437.5
## - Concessions 1 1414.9 1438.9
## - DisplayMinPay 1 1416.0 1440.0
## - OpeningBalance 1 1416.2 1440.2
## - DaysDeliq 1 1417.2 1441.2
## - QuarterlyCreditScore 1 1417.8 1441.8
## - OverlimitAmount 1 1419.9 1443.9
## - TotalFeesBilled 1 1422.4 1446.4
## - Bscore 1 1424.0 1448.0
## - EndingBalance 1 1424.2 1448.2
## - CreditLimit 1 1455.2 1479.2
##
## Step: AIC=1436.83
## .outcome ~ DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalNetPayments + TotalFeesBilled +
## Concessions + QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## - TotalNetPayments 1 1414.8 1436.8
## <none> 1412.8 1436.8
## - Concessions 1 1416.2 1438.2
## - DisplayMinPay 1 1417.5 1439.5
## - OpeningBalance 1 1417.7 1439.7
## - DaysDeliq 1 1418.8 1440.8
## - QuarterlyCreditScore 1 1419.1 1441.1
## - OverlimitAmount 1 1421.3 1443.3
## - TotalFeesBilled 1 1423.2 1445.2
## - Bscore 1 1425.3 1447.3
## - EndingBalance 1 1425.7 1447.7
## - CreditLimit 1 1456.8 1478.8
##
## Step: AIC=1436.76
## .outcome ~ DaysDeliq + OverlimitAmount + DisplayMinPay + OpeningBalance +
## EndingBalance + CreditLimit + TotalFeesBilled + Concessions +
## QuarterlyCreditScore + Bscore
##
## Df Deviance AIC
## <none> 1414.8 1436.8
## - DisplayMinPay 1 1419.4 1439.4
## - Concessions 1 1419.5 1439.5
## - DaysDeliq 1 1420.1 1440.1
## - QuarterlyCreditScore 1 1421.5 1441.5
## - OpeningBalance 1 1423.0 1443.0
## - OverlimitAmount 1 1423.6 1443.6
## - TotalFeesBilled 1 1424.4 1444.4
## - EndingBalance 1 1425.9 1445.9
## - Bscore 1 1427.7 1447.7
## - CreditLimit 1 1457.2 1477.2summary(logit_mod1)##
## Call:
## NULL
##
## Deviance Residuals:
## Min 1Q Median 3Q Max
## -3.4724 -0.6807 -0.3227 0.4208 2.7258
##
## Coefficients:
## Estimate Std. Error z value Pr(>|z|)
## (Intercept) 5.4188528 1.7314184 3.130 0.00175 **
## DaysDeliq 0.0288117 0.0122500 2.352 0.01867 *
## OverlimitAmount 0.0330381 0.0113740 2.905 0.00368 **
## DisplayMinPay -0.0204752 0.0092877 -2.205 0.02749 *
## OpeningBalance 0.0023956 0.0008643 2.772 0.00557 **
## EndingBalance 0.0038518 0.0012060 3.194 0.00140 **
## CreditLimit -0.0064721 0.0011446 -5.654 1.56e-08 ***
## TotalFeesBilled 0.0187208 0.0061882 3.025 0.00248 **
## Concessions -0.0208900 0.0099636 -2.097 0.03603 *
## QuarterlyCreditScore -0.0012499 0.0004773 -2.619 0.00883 **
## Bscore -0.0082409 0.0027010 -3.051 0.00228 **
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## (Dispersion parameter for binomial family taken to be 1)
##
## Null deviance: 2414.9 on 1767 degrees of freedom
## Residual deviance: 1414.8 on 1757 degrees of freedom
## AIC: 1436.8
##
## Number of Fisher Scoring iterations: 7varImp(logit_mod1$finalModel)# get the confusion matrix for the logistic model
logitmod1_cart1 <- bind_cols(
predict(logit_mod1, newdata = test, type = "prob"),
Predicted = predict(logit_mod1, newdata = test, type = "raw"),
Actual = test$bad
)
logitmod1_cart1$Actual <- as.factor(logitmod1_cart1$Actual)
logitmod1_cart2 <- confusionMatrix(logitmod1_cart1$Predicted, logitmod1_cart1$Actual)
logitmod1_cart2## Confusion Matrix and Statistics
##
## Reference
## Prediction No Yes
## No 601 139
## Yes 71 366
##
## Accuracy : 0.8216
## 95% CI : (0.7985, 0.8431)
## No Information Rate : 0.5709
## P-Value [Acc > NIR] : < 2.2e-16
##
## Kappa : 0.6296
##
## Mcnemar's Test P-Value : 3.774e-06
##
## Sensitivity : 0.8943
## Specificity : 0.7248
## Pos Pred Value : 0.8122
## Neg Pred Value : 0.8375
## Prevalence : 0.5709
## Detection Rate : 0.5106
## Detection Prevalence : 0.6287
## Balanced Accuracy : 0.8095
##
## 'Positive' Class : No
## # get the roc curve for logistic model
log_auc <- Metrics::auc(actual = logitmod1_cart1$Actual == "No", logitmod1_cart1$No)
yardstick::roc_curve(logitmod1_cart1, Actual, No) %>%
autoplot() +
labs(
title = "logistic ROC Curve ",
subtitle = paste0("AUC = ", round(log_auc, 4))
)
# get the gains curve and lift plot
library(modelplotr)## Package modelplotr loaded! Happy model plotting!scores_and_ntiles <- prepare_scores_and_ntiles(datasets=list("train","test"),
dataset_labels = list("train data","test data"),
models = list("tree_mod1","logit_mod1"),
model_labels = list("decision tree","logistic"),
target_column="bad",
ntiles=100)## Warning: `select_()` was deprecated in dplyr 0.7.0.
## ℹ Please use `select()` instead.
## ℹ The deprecated feature was likely used in the modelplotr package.
## Please report the issue at <]8;;https://github.com/jurrr/modelplotr/issueshttps://github.com/jurrr/modelplotr/issues]8;;>.## ... scoring caret model "tree_mod1" on dataset "train".## ... scoring caret model "logit_mod1" on dataset "train".## ... scoring caret model "tree_mod1" on dataset "test".## ... scoring caret model "logit_mod1" on dataset "test".## Data preparation step 1 succeeded! Dataframe created.# set plotting scope to model comparison
plot_input <- plotting_scope(prepared_input = scores_and_ntiles,scope = "compare_models")## Warning: `group_by_()` was deprecated in dplyr 0.7.0.
## ℹ Please use `group_by()` instead.
## ℹ See vignette('programming') for more help
## ℹ The deprecated feature was likely used in the modelplotr package.
## Please report the issue at <]8;;https://github.com/jurrr/modelplotr/issueshttps://github.com/jurrr/modelplotr/issues]8;;>.## Data preparation step 2 succeeded! Dataframe created.## "prepared_input" aggregated...## Data preparation step 3 succeeded! Dataframe created.
##
## Models "decision tree", "logistic" compared for dataset "test data" and target value "Yes".# plot the gains and lift plot and annotate the plot at ntile 20
plot_cumgains(data = plot_input,highlight_ntile = 20)## Warning: Vectorized input to `element_text()` is not officially supported.
## ℹ Results may be unexpected or may change in future versions of ggplot2.##
## Plot annotation for plot: Cumulative gains
## - When we select 20% with the highest probability according to model decision tree, this selection holds 43% of all Yes cases in test data.
## - When we select 20% with the highest probability according to model logistic, this selection holds 45% of all Yes cases in test data.
##
## 
plot_cumlift(data = plot_input,highlight_ntile = 20)## Warning: Vectorized input to `element_text()` is not officially supported.
## ℹ Results may be unexpected or may change in future versions of ggplot2.##
## Plot annotation for plot: Cumulative lift
## - When we select 20% with the highest probability according to model decision tree in test data, this selection for Yes cases is 2.1 times better than selecting without a model.
## - When we select 20% with the highest probability according to model logistic in test data, this selection for Yes cases is 2.3 times better than selecting without a model.
##
## 
#Cumulative response plot
plot_cumresponse(data = plot_input, highlight_ntile = 20)## Warning: Vectorized input to `element_text()` is not officially supported.
## ℹ Results may be unexpected or may change in future versions of ggplot2.##
## Plot annotation for plot: Cumulative response
## - When we select ntiles 1 until 20 according to model decision tree in dataset test data the % of Yes cases in the selection is 91.9%.
## - When we select ntiles 1 until 20 according to model logistic in dataset test data the % of Yes cases in the selection is 97.0%.
##
## 
#Converting Yes to 1 and No to 0 in df1
logrec_df <- logitmod1_cart1
treerec_df <- treemod1_cart1
logrec_df$Predicted<-ifelse(logrec_df$Predicted=="Yes",1,0)
logrec_df$Actual<-ifelse(logrec_df$Actual=="Yes",1,0)
treerec_df$Predicted<-ifelse(treerec_df$Predicted=="Yes",1,0)
treerec_df$Actual<-ifelse(treerec_df$Actual=="Yes",1,0)
library(InformationValue)##
## Attaching package: 'InformationValue'## The following objects are masked from 'package:caret':
##
## confusionMatrix, precision, recall, sensitivity, specificity# compute the ks stat for the logistic model
ks_stat(logrec_df$Actual, logrec_df$Predicted)## [1] 0.5913# make ks plot for the logistic regression
ks_plot(logrec_df$Actual, logrec_df$Predicted)
# compute the ks stat for the tree model
ks_stat(treerec_df$Actual, treerec_df$Predicted)## [1] 0.5427# compute the ks plot for the tree
ks_plot(treerec_df$Actual, treerec_df$Predicted)
select important variables
df2 <- model_df# select minimal variables for plotting
df3 <- df2 %>% dplyr::select(c(1:4), 17)
df4 <- df2 %>% dplyr::select(c(5:8), 17)
df5 <- df2 %>% dplyr::select(c(9:12), 17)
df6 <- df2 %>% dplyr::select(c(13:17))library(GGally)
df3 %>%
ggpairs(aes(col = bad, fill = bad, alpha = 0.6),
upper = list(combo = 'box'),
diag = list(discrete = wrap('barDiag', position = 'fill')),
lower = "blank") +
theme(axis.text.x = element_text(angle = 90, hjust = 1))
df4 %>%
ggpairs(aes(col = bad, fill = bad, alpha = 0.6),
upper = list(combo = 'box'),
diag = list(discrete = wrap('barDiag', position = 'fill')),
lower = "blank") +
theme(axis.text.x = element_text(angle = 90, hjust = 1))
df5 %>%
ggpairs(aes(col = bad, fill = bad, alpha = 0.6),
upper = list(combo = 'box'),
diag = list(discrete = wrap('barDiag', position = 'fill')),
lower = "blank") +
theme(axis.text.x = element_text(angle = 90, hjust = 1))
df6 %>%
ggpairs(aes(col = bad, fill = bad, alpha = 0.6),
upper = list(combo = 'box'),
diag = list(discrete = wrap('barDiag', position = 'fill')),
lower = "blank") +
theme(axis.text.x = element_text(angle = 90, hjust = 1))
library(reshape2)##
## Attaching package: 'reshape2'## The following object is masked from 'package:tidyr':
##
## smithsdf.m <- melt(df_new[, -c(1:3)], id.var = "Bad")
head(df.m)df.m$Bad <- as.factor(df.m$Bad)p <- ggplot(data = df.m, aes(x=variable, y=value)) +
geom_boxplot(aes(fill=as.factor(Bad)))
p + facet_wrap( ~ variable, scales="free")
library(sjlabelled)##
## Attaching package: 'sjlabelled'## The following object is masked from 'package:forcats':
##
## as_factor## The following object is masked from 'package:ggplot2':
##
## as_label## The following object is masked from 'package:dplyr':
##
## as_labellibrary(sjPlot)sjp.corr(df_new[, -c(1:3), 18], show.legend = TRUE)+
theme(axis.text.x=element_text(angle=90,
hjust=0.95,vjust=0.2))+
labs(fill="Correlation coefficient")## Warning: 'sjp.corr' is deprecated. Please use 'correlation::correlation()' and
## its related plot()-method.## Computing correlation using pearson-method with listwise-deletion...## Warning: Removed 120 rows containing missing values (`geom_text()`).
library(ppsr)## Warning: package 'ppsr' was built under R version 4.2.3library(correlationfunnel)## Warning: package 'correlationfunnel' was built under R version 4.2.3## ══ correlationfunnel Tip #3 ════════════════════════════════════════════════════
## Using `binarize()` with data containing many columns or many rows can increase dimensionality substantially.
## Try subsetting your data column-wise or row-wise to avoid creating too many columns.
## You can always make a big problem smaller by sampling. :)##
## Attaching package: 'correlationfunnel'## The following object is masked from 'package:dlookr':
##
## correlatecheck for predictive power score
df_new$Bad <- as.factor(df_new$Bad)ppwr <- df_new %>% score_predictors(y = "Bad", do_parallel = TRUE) %>% as_tibble()
ppwr %>% glimpse()## Rows: 18
## Columns: 11
## $ x <chr> "MOB", "ExtStatus", "IntStatus", "DaysDeliq", "ActualMi…
## $ y <chr> "Bad", "Bad", "Bad", "Bad", "Bad", "Bad", "Bad", "Bad",…
## $ result_type <chr> "predictor is constant", "predictive power score", "pre…
## $ pps <dbl> 0.0000000, 0.2027755, 0.4909950, 0.4853235, 0.4813707, …
## $ metric <chr> NA, "F1_weighted", "F1_weighted", "F1_weighted", "F1_we…
## $ baseline_score <dbl> NA, 0.4924155, 0.4924155, 0.4924155, 0.4924155, 0.49241…
## $ model_score <dbl> NA, 0.5390922, 0.6793605, 0.6813691, 0.6786751, 0.67562…
## $ cv_folds <dbl> NA, 5, 5, 5, 5, 5, 5, 5, 5, 5, 5, 5, 5, 5, 5, 5, 5, NA
## $ seed <dbl> NA, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, NA
## $ algorithm <chr> NA, "tree", "tree", "tree", "tree", "tree", "tree", "tr…
## $ model_type <chr> NA, "classification", "classification", "classification…df_new %>% visualize_pps(y = "Bad", do_parallel = TRUE)
df_binnarise <- df_new %>%
binarize(n_bins = 5, thresh_infreq = 0.01, name_infreq = "OTHER", one_hot = TRUE)df_binnarise %>% glimpse()## Rows: 2,945
## Columns: 74
## $ ExtStatus__ <dbl> 1, 1, 1, 0, 1, 1, 1, 0, 0, 1,…
## $ ExtStatus__C <dbl> 0, 0, 0, 1, 0, 0, 0, 0, 0, 0,…
## $ ExtStatus__F <dbl> 0, 0, 0, 0, 0, 0, 0, 1, 1, 0,…
## $ ExtStatus__OTHER <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ IntStatus__ <dbl> 1, 1, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ IntStatus__D <dbl> 0, 0, 0, 1, 0, 0, 0, 0, 0, 0,…
## $ IntStatus__O <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ IntStatus__X <dbl> 0, 0, 1, 0, 1, 1, 1, 1, 1, 1,…
## $ IntStatus__OTHER <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ DaysDeliq__0 <dbl> 1, 1, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ DaysDeliq__30 <dbl> 0, 0, 0, 0, 1, 1, 0, 0, 0, 0,…
## $ DaysDeliq__31 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ DaysDeliq__60 <dbl> 0, 0, 1, 0, 0, 0, 1, 0, 0, 0,…
## $ DaysDeliq__61 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 1,…
## $ DaysDeliq__90 <dbl> 0, 0, 0, 1, 0, 0, 0, 1, 1, 0,…
## $ DaysDeliq__91 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ `ActualMinPay__-Inf_30` <dbl> 1, 1, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ ActualMinPay__30_51 <dbl> 0, 0, 0, 0, 1, 0, 0, 0, 0, 0,…
## $ ActualMinPay__51_90 <dbl> 0, 0, 1, 0, 0, 1, 1, 0, 0, 1,…
## $ ActualMinPay__90_Inf <dbl> 0, 0, 0, 1, 0, 0, 0, 1, 1, 0,…
## $ `OverlimitAmount__-Inf_9.27600000000001` <dbl> 1, 1, 0, 1, 0, 0, 0, 0, 0, 0,…
## $ OverlimitAmount__9.27600000000001_76.604 <dbl> 0, 0, 1, 0, 1, 1, 0, 0, 0, 0,…
## $ OverlimitAmount__76.604_Inf <dbl> 0, 0, 0, 0, 0, 0, 1, 1, 1, 1,…
## $ `DisplayMinPay__-Inf_30` <dbl> 1, 1, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ DisplayMinPay__30_32 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ DisplayMinPay__32_60 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ DisplayMinPay__60_168.064 <dbl> 0, 0, 1, 1, 1, 1, 0, 0, 0, 0,…
## $ DisplayMinPay__168.064_Inf <dbl> 0, 0, 0, 0, 0, 0, 1, 1, 1, 1,…
## $ `OpeningBalance__-Inf_206.91` <dbl> 1, 0, 0, 1, 0, 0, 0, 0, 0, 0,…
## $ OpeningBalance__206.91_287.736 <dbl> 0, 1, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ OpeningBalance__287.736_336.92 <dbl> 0, 0, 1, 0, 1, 1, 1, 0, 0, 0,…
## $ OpeningBalance__336.92_506.266000000001 <dbl> 0, 0, 0, 0, 0, 0, 0, 1, 1, 1,…
## $ OpeningBalance__506.266000000001_Inf <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ BillLateCharge__0 <dbl> 1, 1, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ BillLateCharge__25 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ BillLateCharge__30 <dbl> 0, 0, 0, 0, 0, 1, 0, 0, 0, 0,…
## $ BillLateCharge__35 <dbl> 0, 0, 1, 1, 1, 0, 1, 1, 1, 1,…
## $ BillLateCharge__OTHER <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ `EndingBalance__-Inf_241.448` <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ EndingBalance__241.448_303.67 <dbl> 1, 1, 0, 1, 0, 0, 0, 0, 0, 0,…
## $ EndingBalance__303.67_377.228 <dbl> 0, 0, 1, 0, 1, 1, 0, 0, 0, 0,…
## $ EndingBalance__377.228_545.364 <dbl> 0, 0, 0, 0, 0, 0, 1, 1, 1, 1,…
## $ EndingBalance__545.364_Inf <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ CreditLimit__300 <dbl> 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,…
## $ CreditLimit__400 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ CreditLimit__700 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ CreditLimit__OTHER <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ `TotalNetPayments__-Inf_0` <dbl> 0, 0, 1, 1, 0, 1, 1, 1, 1, 1,…
## $ TotalNetPayments__0_46 <dbl> 1, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ TotalNetPayments__46_97.0760000000001 <dbl> 0, 0, 0, 0, 1, 0, 0, 0, 0, 0,…
## $ TotalNetPayments__97.0760000000001_Inf <dbl> 0, 1, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ `TotalNetPurchaseAndCash__-Inf_0` <dbl> 0, 0, 1, 1, 0, 0, 1, 1, 1, 1,…
## $ TotalNetPurchaseAndCash__0_32.338 <dbl> 0, 0, 0, 0, 1, 1, 0, 0, 0, 0,…
## $ TotalNetPurchaseAndCash__32.338_102.234 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ TotalNetPurchaseAndCash__102.234_Inf <dbl> 1, 1, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ `TotalFeesBilled__-Inf_7.918` <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ TotalFeesBilled__7.918_14.664 <dbl> 1, 1, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ TotalFeesBilled__14.664_35.988 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ TotalFeesBilled__35.988_46.27 <dbl> 0, 0, 1, 1, 0, 1, 0, 0, 0, 0,…
## $ TotalFeesBilled__46.27_Inf <dbl> 0, 0, 0, 0, 1, 0, 1, 1, 1, 1,…
## $ `Concessions__-Inf_0` <dbl> 1, 1, 1, 1, 1, 1, 1, 1, 1, 1,…
## $ Concessions__0_Inf <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ `QuarterlyCreditScore__-Inf_517` <dbl> 0, 0, 0, 1, 1, 0, 1, 0, 1, 1,…
## $ QuarterlyCreditScore__517_561 <dbl> 1, 1, 1, 0, 0, 0, 0, 0, 0, 0,…
## $ QuarterlyCreditScore__561_599 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ QuarterlyCreditScore__599_635 <dbl> 0, 0, 0, 0, 0, 1, 0, 0, 0, 0,…
## $ QuarterlyCreditScore__635_Inf <dbl> 0, 0, 0, 0, 0, 0, 0, 1, 0, 0,…
## $ `Bscore__-Inf_538.8` <dbl> 0, 0, 0, 1, 0, 0, 1, 1, 1, 1,…
## $ Bscore__538.8_605 <dbl> 0, 0, 1, 0, 1, 1, 0, 0, 0, 0,…
## $ Bscore__605_633 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ Bscore__633_655 <dbl> 1, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ Bscore__655_Inf <dbl> 0, 1, 0, 0, 0, 0, 0, 0, 0, 0,…
## $ Bad__0 <dbl> 1, 1, 0, 0, 1, 1, 0, 0, 0, 0,…
## $ Bad__1 <dbl> 0, 0, 1, 1, 0, 0, 1, 1, 1, 1,…df_corr_tbl <- df_binnarise %>%
correlate(Bad__1) %>% plot_correlation_funnel()df_corr_tbl
# combine the test with the probabilities
aftermodel_df <- cbind(test, logitmod1_cart1)
head(aftermodel_df)aftermodel_df1 <- aftermodel_df[, -c(17,18,19,21)]aftermodeldf_binnarise <- aftermodel_df1 %>%
binarize(n_bins = 5, thresh_infreq = 0.01, name_infreq = "OTHER", one_hot = TRUE)aftermodeldf_binnarise %>% glimpse()## Rows: 1,177
## Columns: 75
## $ ExtStatus__ <dbl> 1, 0, 1, 1, 1, 0, 1, 0, 1, 1, 0…
## $ ExtStatus__C <dbl> 0, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ ExtStatus__F <dbl> 0, 0, 0, 0, 0, 0, 0, 1, 0, 0, 1…
## $ ExtStatus__OTHER <dbl> 0, 0, 0, 0, 0, 1, 0, 0, 0, 0, 0…
## $ IntStatus__ <dbl> 1, 0, 0, 0, 0, 0, 1, 0, 0, 0, 0…
## $ IntStatus__D <dbl> 0, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ IntStatus__O <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 1, 1, 0…
## $ IntStatus__X <dbl> 0, 0, 1, 1, 1, 1, 0, 1, 0, 0, 1…
## $ IntStatus__OTHER <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ DaysDeliq__0 <dbl> 1, 0, 0, 0, 0, 0, 1, 0, 1, 1, 0…
## $ DaysDeliq__30 <dbl> 0, 0, 1, 1, 0, 0, 0, 0, 0, 0, 0…
## $ DaysDeliq__31 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ DaysDeliq__60 <dbl> 0, 0, 0, 0, 1, 0, 0, 0, 0, 0, 0…
## $ DaysDeliq__61 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ DaysDeliq__90 <dbl> 0, 1, 0, 0, 0, 1, 0, 1, 0, 0, 0…
## $ DaysDeliq__91 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 1…
## $ `ActualMinPay__-Inf_30` <dbl> 1, 0, 0, 0, 0, 0, 1, 0, 1, 1, 0…
## $ ActualMinPay__30_51 <dbl> 0, 0, 1, 0, 0, 0, 0, 0, 0, 0, 0…
## $ ActualMinPay__51_90 <dbl> 0, 0, 0, 1, 1, 0, 0, 0, 0, 0, 0…
## $ ActualMinPay__90_Inf <dbl> 0, 1, 0, 0, 0, 1, 0, 1, 0, 0, 1…
## $ `OverlimitAmount__-Inf_11.046` <dbl> 1, 1, 0, 0, 0, 0, 1, 0, 1, 1, 0…
## $ OverlimitAmount__11.046_77.348 <dbl> 0, 0, 1, 1, 0, 0, 0, 0, 0, 0, 0…
## $ OverlimitAmount__77.348_Inf <dbl> 0, 0, 0, 0, 1, 1, 0, 1, 0, 0, 1…
## $ `DisplayMinPay__-Inf_30` <dbl> 1, 0, 0, 0, 0, 0, 1, 0, 0, 0, 0…
## $ DisplayMinPay__30_35.648 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 1, 0…
## $ DisplayMinPay__35.648_60.834 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 1, 0, 0…
## $ DisplayMinPay__60.834_169.02 <dbl> 0, 1, 1, 1, 0, 0, 0, 0, 0, 0, 0…
## $ DisplayMinPay__169.02_Inf <dbl> 0, 0, 0, 0, 1, 1, 0, 1, 0, 0, 1…
## $ `OpeningBalance__-Inf_222.368` <dbl> 1, 1, 0, 0, 0, 0, 1, 0, 0, 0, 0…
## $ OpeningBalance__222.368_296.782 <dbl> 0, 0, 0, 1, 0, 0, 0, 0, 0, 1, 0…
## $ OpeningBalance__296.782_341.214 <dbl> 0, 0, 1, 0, 1, 0, 0, 0, 1, 0, 0…
## $ OpeningBalance__341.214_562.64 <dbl> 0, 0, 0, 0, 0, 1, 0, 1, 0, 0, 1…
## $ OpeningBalance__562.64_Inf <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ BillLateCharge__0 <dbl> 1, 0, 0, 0, 0, 0, 1, 0, 1, 1, 0…
## $ BillLateCharge__25 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ BillLateCharge__30 <dbl> 0, 0, 0, 1, 0, 0, 0, 0, 0, 0, 0…
## $ BillLateCharge__35 <dbl> 0, 1, 1, 0, 1, 1, 0, 1, 0, 0, 1…
## $ BillLateCharge__OTHER <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ `EndingBalance__-Inf_247.246` <dbl> 0, 1, 0, 0, 0, 0, 1, 0, 0, 0, 0…
## $ EndingBalance__247.246_307.488 <dbl> 1, 0, 0, 0, 0, 0, 0, 0, 0, 1, 0…
## $ EndingBalance__307.488_379.578 <dbl> 0, 0, 1, 1, 0, 0, 0, 0, 1, 0, 0…
## $ EndingBalance__379.578_556.114 <dbl> 0, 0, 0, 0, 1, 1, 0, 1, 0, 0, 1…
## $ EndingBalance__556.114_Inf <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ CreditLimit__300 <dbl> 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1…
## $ CreditLimit__400 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ CreditLimit__700 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ CreditLimit__OTHER <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ `TotalNetPayments__-Inf_0` <dbl> 0, 1, 0, 1, 1, 1, 0, 1, 0, 0, 1…
## $ TotalNetPayments__0_10.2 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ TotalNetPayments__10.2_47 <dbl> 1, 0, 0, 0, 0, 0, 0, 0, 0, 1, 0…
## $ TotalNetPayments__47_90 <dbl> 0, 0, 1, 0, 0, 0, 0, 0, 0, 0, 0…
## $ TotalNetPayments__90_Inf <dbl> 0, 0, 0, 0, 0, 0, 1, 0, 1, 0, 0…
## $ `TotalNetPurchaseAndCash__-Inf_0` <dbl> 0, 1, 0, 0, 1, 1, 0, 1, 0, 0, 1…
## $ TotalNetPurchaseAndCash__0_30.204 <dbl> 0, 0, 1, 1, 0, 0, 0, 0, 0, 0, 0…
## $ TotalNetPurchaseAndCash__30.204_99.656 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 1, 0…
## $ TotalNetPurchaseAndCash__99.656_Inf <dbl> 1, 0, 0, 0, 0, 0, 1, 0, 1, 0, 0…
## $ `TotalFeesBilled__-Inf_8.14` <dbl> 0, 0, 0, 0, 0, 0, 1, 0, 0, 0, 0…
## $ TotalFeesBilled__8.14_17.412 <dbl> 1, 0, 0, 0, 0, 0, 0, 0, 1, 1, 0…
## $ TotalFeesBilled__17.412_36.566 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ TotalFeesBilled__36.566_46.318 <dbl> 0, 1, 0, 1, 0, 0, 0, 0, 0, 0, 1…
## $ TotalFeesBilled__46.318_Inf <dbl> 0, 0, 1, 0, 1, 1, 0, 1, 0, 0, 0…
## $ `Concessions__-Inf_0` <dbl> 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1…
## $ Concessions__0_Inf <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ `QuarterlyCreditScore__-Inf_519` <dbl> 0, 1, 1, 0, 1, 1, 1, 1, 0, 1, 0…
## $ QuarterlyCreditScore__519_559 <dbl> 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ QuarterlyCreditScore__559_599 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 1…
## $ QuarterlyCreditScore__599_637 <dbl> 0, 0, 0, 1, 0, 0, 0, 0, 0, 0, 0…
## $ QuarterlyCreditScore__637_Inf <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 1, 0, 0…
## $ `Bscore__-Inf_538` <dbl> 0, 1, 0, 0, 1, 1, 0, 1, 0, 0, 1…
## $ Bscore__538_604 <dbl> 0, 0, 1, 1, 0, 0, 0, 0, 1, 0, 0…
## $ Bscore__604_632 <dbl> 0, 0, 0, 0, 0, 0, 0, 0, 0, 1, 0…
## $ Bscore__632_652 <dbl> 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ Bscore__652_Inf <dbl> 0, 0, 0, 0, 0, 0, 1, 0, 0, 0, 0…
## $ Predicted__No <dbl> 1, 0, 0, 0, 0, 0, 1, 0, 1, 1, 0…
## $ Predicted__Yes <dbl> 0, 1, 1, 1, 1, 1, 0, 1, 0, 0, 1…aftermodeldf_corr_tbl <- aftermodeldf_binnarise %>%
correlate(Predicted__Yes) %>% plot_correlation_funnel()aftermodeldf_corr_tbl
#loss or the chargeoff
aftermodel_df2 <- aftermodel_df %>% filter(bad == "Yes") #filter to select only bad customers# chargeoffdollars == EndingBalance on last statement
chargeoffdollars <- aftermodel_df2$EndingBalance
aftermodel_df2$chargeoffdollars <- chargeoffdollars
head(aftermodel_df2)logisticntiles <- scores_and_ntiles %>% filter(model_label == "logistic") %>% filter(dataset_label == "test data") %>% filter(y_true == "Yes")head(logisticntiles)#combine data with ntiles
ntiles <- logisticntiles[, c(6,7)]
aftermodel_df3 <- cbind(aftermodel_df2, ntiles)
head(aftermodel_df3)qplot(aftermodel_df3$ntl_Yes,aftermodel_df3$chargeoffdollars, geom='smooth', span =0.5)## Warning: `qplot()` was deprecated in ggplot2 3.4.0.## `geom_smooth()` using method = 'loess' and formula = 'y ~ x'
head(aftermodel_df3)