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data_dictionary.csv
1 | Variable Name | Description | Type |
|---|---|---|---|
2 | SeriousDlqin2yrs | Person experienced 90 days past due delinquency or worse | Y/N |
3 | RevolvingUtilizationOfUnsecuredLines | Total balance on credit cards and personal lines of credit except real estate and no installment debt like car loans divided by the sum of credit limits | percentage |
4 | age | Age of borrower in years | integer |
5 | NumberOfTime30-59DaysPastDueNotWorse | Number of times borrower has been 30-59 days past due but no worse in the last 2 years. | integer |
6 | DebtRatio | Monthly debt payments, alimony,living costs divided by monthy gross income | percentage |
7 | MonthlyIncome | Monthly income | real |
8 | NumberOfOpenCreditLinesAndLoans | Number of Open loans (installment like car loan or mortgage) and Lines of credit (e.g. credit cards) | integer |
9 | NumberOfTimes90DaysLate | Number of times borrower has been 90 days or more past due. | integer |
10 | NumberRealEstateLoansOrLines | Number of mortgage and real estate loans including home equity lines of credit | integer |
11 | NumberOfTime60-89DaysPastDueNotWorse | Number of times borrower has been 60-89 days past due but no worse in the last 2 years. | integer |
12 | NumberOfDependents | Number of dependents in family excluding themselves (spouse, children etc.) | integer |