R help - Oct 2008 - (a) Credit Scoring models and (b) aceesing earlier emails

Hi!
 
I have been reading lots of queries regarding logistic regression as well as
Credit scoring model and the related replies, which I must admit are full of
wisdom and help us to understand where do we stand. The contributions of Frank E
Harrell Jr, etc are invaluable. Incidentally I am also trying to work on Credit
scoring model and initially I tried to use the multiple regression etc. and now
I am using logistic regression using R.
 
I have two queries.
 
(a)            Can someone guide me as to how the credit score model should be
developed step by step? I mean what are the steps involved in developing credit
scorecard model? I have a sample database of 78000 bank customers and the period
is April 2004 – March 2007 and I also have the their default / non – default
position as on March 01, 2008. (There are 13756 defaulters). So using these
defaulters (coded as 1)  / non defaulters (coded as 0) and using logistic
regression, I have arrived at regression coefficients and then the Probability
of default for each of these 78000 customers. Can someone guide me regarding the
flow of credit scoring model? i.e. What are the steps involved in developing
Credit scoring models? I don’t have access to the books, as these are most of
the times very expensive and my organization being small and new, can’t afford
buying them as of now. I hope you understand my problem.
 
(b)            If I want to refer to earlier mails (I have recently become
member of this R group), how do I access these mails e.g. suppose I want to
refer to all the mails dealing with logistic regression, how do I do it?
 
Saggak


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