Classification performance is often not uniform over the data. Some areas in the input space are easier to classify than others. Features that hold information about the ”difficulty” of the data may be nondiscriminative and are therefore disregarded in the classification process. We propose a meta-learning approach where performance may be improved by post-processing. This improvement is done b...

In the practice of credit-risk management, models for receiver operating characteristic (ROC) curves are helpful in describing shape an ROC curve, estimating discriminatory power a scorecard, and generating without underlying data. The primary purpose this study is to review curve proposed literature, primarily biostatistics, fit them actual credit-scoring data order determine which could be us...