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What does ignore missing variables, keep weights as defined mean?

Sometimes data in a score is missing. When you define a score, you can specify how the score should be calculated when data is not available.

One method for handling missing data in a score is to ignore those variables without data. Since the weight of the variable missing data is not distributed to the other variables in the score, the weights of the remaining variables do not change; thus, the sum of their weights is less than 100% (note that scores are lower if you ignore missing variables than if you reallocate weights to available variables; see "What does re-allocate weights to available variables mean?").

This concept is best illustrated with an example. Let's say you define an account score called "Account Score" which weights an account's PAYDEX® Score at 40%, Commercial Credit Score Percentile at 30%, and Over 90 Past Due $ at 30%.

Account Score

Variable	Weight
PAYDEX® Score	40%
CCS Percentile	30%
Over 90 Past Due $	30%
Total Weight	100%

If Over 90 Past Due $ is not available, the weights of the remaining variables do not change.

Variable	Weight	Reallocated Weight * (see note)
PAYDEX® Score	40%	40%
CCS Percentile	30%	30%
Over 90 Past Due $	30%	0%
Total Weight	100%	70%

In this example, notice that the reallocated weights only add up to 70% and the ratio of the PAYDEX® Score weight to the CCS Percentile weight is the same both with and without reallocation (4 to 3 ratio with reallocation = 4 to 3 ratio without reallocation).