Autobinning response highest count gets to be good?

Hi I read in the documentation of the credit risk toolkit that when using binning the response value with the most occurencies get's to be the 'Good' one.

Is there any way to change that?

Answer 1

[Michael]

Yes, this can be changed. As you noted, the default GoodLabel is the response value with the highest count. The optional parameter GoodLabel can be used to explicitly set which value is the "Good" one.

As an example, try the following code:

load("CreditCardData.mat")

% Check that 0 is the most common

responseCounts = groupsummary(data, "status");

disp(responseCounts)

% Check that the default is to set the GoodLabel to 0

scDefault = creditscorecard(data);

disp(scDefault.GoodLabel)

% Check that you can change the GoodLabel to 1

scNonDefault = creditscorecard(data, "GoodLabel", 1);

disp(scNonDefault.GoodLabel)