# 745 Credit Score – Statistics 101: Logistic Regression, Odds Ratio for Any Interval

## 745 Credit Score – Review

In this video we learn how to calculate the odds ratio for any two values of the independent variable. We also graph the odds ratio change to fundamentally understand what is going on under the hood of Logistic Regression.

For my complete video library organized by playlist, please go to my video page here:
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#statistics #regression #machinelearning

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1. ##### Yibe Yibe
August 1, 2021 at 2:51 am

what a tutorial you got! man #1 videos i have ever seen!!!!

2. ##### Marco Ventura
August 1, 2021 at 2:51 am

Fantastic video on basic Linear Regression, it makes clear to everyone with a college level math. Concise and precise. I would humbly suggest some more details on maximum likelihood and, in general, on the math behind the scene.

3. ##### Kar Ann Chew
August 1, 2021 at 2:51 am

From last video:
Odd Ratio produced by tool = 1.0147.

15:30
FICO Change = 50
Odd Ratio Change = 1.0146^50=2.078

Odd Ratio vs X curve:
y = e^(0.0146 * x)

Odd Ratio increase (or decrease) vs X delta
y incr = e^(0.0146 * x-delta)

4. ##### Harsh Parekh
August 1, 2021 at 2:51 am

Thanks Brandon, I always come back to your videos for understanding the statistics concepts. You do have a knack of explaining in a way which makes it very easy and simple. Good luck !!

5. ##### Sharmila Sengupta Chowdhry
August 1, 2021 at 2:51 am

Excellent explanation, Brandon

6. ##### Jet Stalknecht
August 1, 2021 at 2:51 am

I liked how in the multiple linear regression it was made very clear if you can continue the use of the statistical test by looking at the p-value and r2. Now with logistic regression if my p-value is higher then 0,001 should i not continue?

August 1, 2021 at 2:51 am

Thank you, Brandon! I have watched all the Logistic Regression Series, and I feel that I am obliged to say thanks for all the effort you put into this series to make it elaborated like this!

You have done a great job to make anyone understands things from the bottom to the top!

This is what I call it "Job well done!".

8. ##### Siddharth Dhote
August 1, 2021 at 2:51 am

Please do a series on Multinomial Logistic Regression. Where one of the independent variables is categorical

9. ##### Marcelo Ferreira
August 1, 2021 at 2:51 am

Hello! I wonder if anybody could be kind enough to please help me identify the datasets? Thanks in advance. I have looked for it in Brandon's blog, but I could not identify it, if its already there.
Also, thank you very much Brandon for your classes. I am starting with statistics and really appreciate them. They are really helping me.

10. ##### doddpower
August 1, 2021 at 2:51 am

I have followed every video up to this series very well. They've all been clear and not too fast. However, this series completely lost me. Way too much dense information way too fast without enough context as to what's actually occurring beyond something to do with change in credit scores. Hope I don't need any of this info any time soon!

11. ##### suneel
August 1, 2021 at 2:51 am

Far more better than udemy courseðŸ”¥ ðŸ™‚

12. ##### martau3
August 1, 2021 at 2:51 am

Thank you for these very helpful videos :-). Can/should the Wald test be used to test for significance when performing binary logistic regression with data which I am treating as a population? I have been advised that inferential statistical tests are not appropriate with populations, so I'm confused whether to pay attention to the Wald test – particularly as it does not appear to have a straightforward relationship with the size of the coefficients/log odds. Thank you in advance for any answers!

13. ##### Nawaf Alrasheed
August 1, 2021 at 2:51 am

Brandon, YOU ARE THE BEST!

14. ##### Ems Dy
August 1, 2021 at 2:51 am

If you had been my professor when I was a university student, I would have loved statistics. Ever since I hated Statistics so much.

But then when I watched your videos, I felt like oh 'why these videos never exist before.'

By the way, I am here because I am studying machine learning.

Thanks a lot. ðŸ˜ŠðŸ˜ŠðŸ˜Š

15. ##### zoran till
August 1, 2021 at 2:51 am

I been looking for a clear explanation forever. FINALLY

16. ##### Simon H.
August 1, 2021 at 2:51 am

Bam! 18:52

I finally understand why I've been taught that exp(B1) = OR(B1)! Thanks!

17. ##### Akshit Miglani
August 1, 2021 at 2:51 am

Hi Brandon, great videos. Can you please explain what a coefficient is? I can understand that we would choose variables that are strong based on a high chi-square and put their coefficients in our equation. But what are they and how are they being calculated? Thanks.

18. ##### Christopher Okhravi
August 1, 2021 at 2:51 am

Thank you!

19. ##### Olga M
August 1, 2021 at 2:51 am

what does e stand for in y=e? how did you get 1.32 increase if 0.014634*19=0.2780?

20. ##### Deekshith basvoju
August 1, 2021 at 2:51 am

The way you explain is good. But, what information are we getting from odds and odds ratio

21. ##### Lusine V.
August 1, 2021 at 2:51 am

Thanks a lot !!! These videos are very helpful. And the way you represent is really great.

22. ##### Ferry T
August 1, 2021 at 2:51 am

What a great video. However, can anyone explain how he got the exponential regression line in the video: 16.21. Why he didn't add "-9.346" (constant/beta zero) in the equation?

23. ##### Mass0
August 1, 2021 at 2:51 am

very good videos, been watching multiple linear regression and logistic regression playlists for my MVA partial and it helped me a lot.

By Max, Italian statistic student

24. ##### Silvia Arciniegas-Mosquera
August 1, 2021 at 2:51 am

Is there a video that explains 'e'? the exponential? Trying to do the math at 18:48 I couldn't figure out what 'e' meant or what was the value base. I had to do a lot of google search to find the base number. Is there a video that explains the concept?

25. ##### Webarton
August 1, 2021 at 2:51 am

Extremely good material.

26. ##### Yisroel Lazerson
August 1, 2021 at 2:51 am

You are an amazing teacher!

27. ##### Landry Ako
August 1, 2021 at 2:51 am

YOU THE BEST…..

28. ##### Shubham Rawat
August 1, 2021 at 2:51 am

really, you made my every concepts clear..ðŸ˜„ðŸ˜„.. thank you so much….
actually i am an engineering students and currently studying machine learning and had no clue about statistics .. but your tutorials helped me a lot..
once again thank you so much..

29. ##### Dhanapal A
August 1, 2021 at 2:51 am

Dear Brandon Foltz, I am a great fan of your statistical tutorial and it helped me to understand the basics very well. I would request you post a video on details over the various fields of the logistic regression and their meaning. Thanks for your great effort for making such great tutorials. Thanks Again!

30. ##### Yeung Lorentz
August 1, 2021 at 2:51 am

man this is the best tutorial i ever watched for this topic! my appreciation. I subscribed and gave u thumb-up.

31. ##### K S
August 1, 2021 at 2:51 am

Are you sure that natural log of 3 is 1.098? I am getting 1.58 and this is log base 2. Please clarify. Thank you.

32. ##### N R C
August 1, 2021 at 2:51 am

Is Odds ratio the same as likelihood ratio?

33. ##### 4835SM
August 1, 2021 at 2:51 am

Excellent! Thank you so much for taking the time to provide free instruction. This is a lot of work! LOL WOW!

34. ##### Hemant Sain
August 1, 2021 at 2:51 am

how LOGISTIC regression works internally when predictors are categorical or binary instead continues numeric.
Thanks

35. ##### Delahunta
August 1, 2021 at 2:51 am

I liked your videos. I am trying to find out what the intercept term in logistic regression means. All I found on the internet is that it the log odds when all variables are 0. Do you have a different explanation? Also to calculate the odds ratio when there are multiple variables do you substitute random values for the other variables not of interest when computing the probability and odds for the variable of interest, or do you leave out the other variables and essentially do a calculation like you did in this video with only one predictor variable?

36. ##### Prathamesh Pathak
August 1, 2021 at 2:51 am

Excellent video! Well thought out content… even a lay man can interpret logistic regression output after watching this video.

37. ##### Pankaj Kalania
August 1, 2021 at 2:51 am

does odd ratio and odds imply same thing? i.e. likelihood of happening something.

38. ##### AK
August 1, 2021 at 2:51 am

you are better than my tutor, thank you man!!