5.13 Logistic regression is often applied to large financial databases. For example, credit scoring is a method of modeling the influence of predictors on the probability that a consumer is credit worthy. The data archive found under the index at www.stat.uni-muenchen.de for a textbook by L. Fahrmeir and G. Tutz

(Multivariate Statistical Modelling Based on Generalized Linear Models, 2001) contains such a data set that includes 20 predictors for 1000 observations.

Build a model for credit-worthiness, using the predictors running account, duration of credit, payment of previous credits, intended use, gender, and marital status, explaining how you chose a final model.