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Why my credit risk model uses a 15% threshold

My credit risk model scores 85.17% accuracy . It's the least interesting number it produces. The model predicts the probability that a loan applicant will default, using their financial, demographic and credit history. It's a HistGradientBoostingClassifier inside a scikit-learn pipeline, and it pow…

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  1. 2026-11-10 07:36 · DEV Community — Machine Learning
    Why my credit risk model uses a 15% threshold

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