fix cred score

app.py

@@ -19,7 +19,7 @@ def calculate_dti(annual_income, total_monthly_debt):
     if annual_income > 0:
         monthly_income = annual_income / 12
         dti = (total_monthly_debt / monthly_income) * 100
-        return round(dti, 2)
+        return min(round(dti, 2), 100)  # Trunca el DTI al 100%
     return 0
 
 

utils/calculate_probability_prediction.py

@@ -30,7 +30,7 @@ def probability_to_score_v3(prob, base_score=300, max_score=850, threshold=0.326
         # Aplicar expansión no lineal
         transformed = normalized ** expansion_factor_high
         # Mapear al rango superior
-        mid_score = 550  # Punto medio del rango
+        mid_score = 600  # Punto medio del rango
         score = mid_score + (max_score - mid_score) * transformed
     else:  # Malos clientes
         # 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
         # Aplicar expansión no lineal para los scores bajos
         transformed = normalized ** expansion_factor_low
         # Mapear al rango inferior
-        mid_score = 550  # Punto medio del rango
+        mid_score = 500  # Punto medio del rango
         score = base_score + (mid_score - base_score) * transformed
 
     # Asegurar que el score esté dentro del rango permitido