Alexis Galvis commited on
Commit
1494eb8
1 Parent(s): 1e07e50

fix cred score

Browse files
app.py CHANGED
@@ -19,7 +19,7 @@ def calculate_dti(annual_income, total_monthly_debt):
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  if annual_income > 0:
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  monthly_income = annual_income / 12
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  dti = (total_monthly_debt / monthly_income) * 100
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- return round(dti, 2)
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  return 0
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  if annual_income > 0:
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  monthly_income = annual_income / 12
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  dti = (total_monthly_debt / monthly_income) * 100
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+ return min(round(dti, 2), 100) # Trunca el DTI al 100%
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  return 0
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utils/calculate_probability_prediction.py CHANGED
@@ -30,7 +30,7 @@ def probability_to_score_v3(prob, base_score=300, max_score=850, threshold=0.326
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  # Aplicar expansi贸n no lineal
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  transformed = normalized ** expansion_factor_high
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  # Mapear al rango superior
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- mid_score = 550 # Punto medio del rango
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  score = mid_score + (max_score - mid_score) * transformed
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  else: # Malos clientes
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  # Normalizar la probabilidad en el rango de malos
@@ -38,7 +38,7 @@ def probability_to_score_v3(prob, base_score=300, max_score=850, threshold=0.326
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  # Aplicar expansi贸n no lineal para los scores bajos
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  transformed = normalized ** expansion_factor_low
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  # Mapear al rango inferior
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- mid_score = 550 # Punto medio del rango
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  score = base_score + (mid_score - base_score) * transformed
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  # Asegurar que el score est茅 dentro del rango permitido
 
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  # Aplicar expansi贸n no lineal
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  transformed = normalized ** expansion_factor_high
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  # Mapear al rango superior
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+ mid_score = 600 # Punto medio del rango
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  score = mid_score + (max_score - mid_score) * transformed
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  else: # Malos clientes
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  # Normalizar la probabilidad en el rango de malos
 
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  # Aplicar expansi贸n no lineal para los scores bajos
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  transformed = normalized ** expansion_factor_low
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  # Mapear al rango inferior
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+ mid_score = 500 # Punto medio del rango
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  score = base_score + (mid_score - base_score) * transformed
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  # Asegurar que el score est茅 dentro del rango permitido