R help - Oct 2008 - Logistic regresion - Interpreting (SENS) and (SPEC)

Hi

Hi I am working on credit scoring model using logistic regression. I havd main
sample of 42500 clentes and based on their status as regards to defaulted / non
- defaulted, I have genereted the probability of default.

I have a hold out sample of 5000 clients. I have calculated (1) No of correctly
classified goods Gg, (2) No of correcly classified Bads Bg and also (3) number
of wrongly classified bads (Gb) and (4) number of wrongly classified goods (Bg).

My prolem is how to interpret these results? What I have arrived at are the
absolute figures.