... prospectsModeling risk (avoiding high- risk customers), 231– 255 bootstrapping, 249, 251 credit scoring and, 232–233fraud, 253 , 254 – 255 implementing the model, 251 – 253 , 254 objective defining, 234–2 35 preparing ... 152 , 153 – 154 , 155 Predictive models, 4, 5, 207Preparing data for modeling, 51 –70accessing the data, 51 54 classifying data, 54 – 55 cleaning the data, 60–70creating modeling data set, 57 59 reading ... 44– 45 Sampling methods, 45 47, 58 59 , 188Scoring alternate data sets, 130–134, 221Scoring a new file, 151 –161data validation, 152 – 155 in-house, 152 – 155 outside scoring and auditing, 155 –161Segmentationanalysis...