Genetic programming: on the programming of computers by means of natural selection
Genetic programming: on the programming of computers by means of natural selection
C4.5: programs for machine learning
C4.5: programs for machine learning
Data Mining: Concepts, Models, Methods and Algorithms
Data Mining: Concepts, Models, Methods and Algorithms
Machine Learning
Credit scoring with a data mining approach based on support vector machines
Expert Systems with Applications: An International Journal
Consistency based attribute reduction
PAKDD'07 Proceedings of the 11th Pacific-Asia conference on Advances in knowledge discovery and data mining
Vertical bagging decision trees model for credit scoring
Expert Systems with Applications: An International Journal
Two credit scoring models based on dual strategy ensemble trees
Knowledge-Based Systems
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Credit scoring is a very typical classification problem in Data Mining. Many classification methods have been presented in the literatures to tackle this problem. The decision tree method is a particularly effective method to build a classifier from the sample data. Decision tree classification method has higher prediction accuracy for the problems of classification, and can automatically generate classification rules. However, the original sample data sets used to generate the decision tree classification model often contain many noise or redundant data. These data will have a great impact on the prediction accuracy of the classifier. Therefore, it is necessary and very important to preprocess the original sample data. On this issue, a very effective approach is the rough sets. In rough sets theory, a basic problem that can be tackled using rough sets approach is reduction of redundant attributes. This paper presents a new credit scoring approach based on combination of rough sets theory and decision tree theory. The results of this study indicate that the process of reduction of attribute is very effective and our approach has good performance in terms of prediction accuracy.