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Scorto Plug and Score Modeler – for easy scorecard development


New version of Plug&Score Modeler is an easy-to-use credit scorecard development software designed for credit risk professionals in banks and other financial institutions.



Plug and Score Plug&Score, a business division of Scorto Corporation, has announced a release of the updated version of its Plug&Score Modeler – an easy-to-use credit scorecard development software designed for credit risk professionals in banks and other financial institutions.

Key features of the release include:
  • Correlation coefficients:
    New version of Modeler provides estimation of correlation coefficient for each pair of variables for the dataset before and after the binning procedure. If the correlation between two different variables is too high (e.g. more than 0.7), that means that for the purpose of modeling these variables are almost similar, and it might be reasonable to disable less predictive variable by disabling a particular column.
  • Working with several validation datasets
    This option gives the possibility of using a powerful scorecard validation technique called “Bootstrapping”. The validation subset is divided into a number of smaller subsets of equal size. The scorecard is applied to these subsets and then Gini coefficients and error matrices are compared. This technique helps to check stability and quality of the scorecard.
  • Working with Date/Time columns
    Now Modeler automatically recognizes Date/Time in the column. It can be used to sort the data into chronological order. Then training dataset may use earlier records and a validation dataset the most recent ones.

Other improvements include:

  • Transformation of numeric variables into categorical ones
  • Exclusion of variables on the Variables Screen
  • Forming a training dataset of a predefined scope with a specified “Bad” rate
  • Providing values of Gini, Kolmogorov-Smirnov, Lorenz in a table view for all datasets
  • Providing tables of error matrices for all datasets
  • Reviewing the results of the model’s performance using all available datasets
  • Consolidation of any categories of a categorical variable.

Further information is available at plug-n-score.com.

Scorto Credit Card Development

About Company:
Plug&Score is a business division of Scorto Corporation, a globally recognized provider of decision management and risk mitigation solutions and services. Scorto has served lending and credit based organizations since 2005 by providing the most precise and sensible tools and platforms, allowing its clients to make accurate and timely decisions, quantify credit risk, increase the profitability of credit portfolios, and improve operational efficiency.

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