Interpreting outcome of a Credit Scorecard in SAS Miner

#1
Hi everyone,

I've done a fairly simple scorecard with few independent variables and think my model is fairly sound but I have a few concerns. My misclassification rate (6%) and my ROC chart looks good but my KS graph looks different to the bell curve I see in tutorials. How do I interpret this shape and what score should I be using as cut-off? Also, my independent variables all have high info values (0.7-0.9), is this a problem?

Kind regards

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