Improvements in data usage and data collection with help of computer and also use of web and internet as word wide information system make data mining as a good tool in order to help solve problems. In the last years credit scoring has been changed to a critical job for bank and insurance organization. In fact, wrong management in credit assignment area makes a great loss to financial institution and even bankruptcy in the U.S.A. and Europe and even makes them close to bankruptcy. Credit scoring focused on decrease the risk of credit allocation. This task has been done with correct prediction of customers' behavior. In fact credit scoring problem can be defined as justify; LINE-HEIGHT: 17pt; MARGIN: 0cm 0cm 10pt; mso-line-height-rule: exactly" Keywords Credit scoring, KMeans, Genetic, Naïve Bayes, Bank, Roughset
