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    Variable Name Seriousdlqin2Yrs

    Uploaded by

    Vaishnavi Mittal
    This document contains descriptions of variables used to analyze borrower credit risk, including variables for delinquencies, debt ratios, income, number of open credit lines and loans, real estate loans, and dependents. The variables track information like past due amounts, credit utilization, debt-to-income ratios, and loan types to assess borrower creditworthiness and likelihood of future defaults.

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    © All Rights Reserved
    Download as XLS, PDF, TXT or read online from Scribd

    Variable Name Seriousdlqin2Yrs

    Uploaded by

    Vaishnavi Mittal
    16 views3 pages
    This document contains descriptions of variables used to analyze borrower credit risk, including variables for delinquencies, debt ratios, income, number of open credit lines and loans, real estate loans, and dependents. The variables track information like past due amounts, credit utilization, debt-to-income ratios, and loan types to assess borrower creditworthiness and likelihood of future defaults.

    Original Description:

    dataset

    Original Title

    Data Dictionary

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    This document contains descriptions of variables used to analyze borrower credit risk, including variables for delinquencies, debt ratios, income, number of open credit lines and loans, real estate loans, and dependents. The variables track information like past due amounts, credit utilization, debt-to-income ratios, and loan types to assess borrower creditworthiness and likelihood of future defaults.

    Copyright:

    © All Rights Reserved
    Download as XLS, PDF, TXT or read online from Scribd
    Download as xls, pdf, or txt
    16 views3 pages

    Variable Name Seriousdlqin2Yrs

    Uploaded by

    Vaishnavi Mittal
    This document contains descriptions of variables used to analyze borrower credit risk, including variables for delinquencies, debt ratios, income, number of open credit lines and loans, real estate loans, and dependents. The variables track information like past due amounts, credit utilization, debt-to-income ratios, and loan types to assess borrower creditworthiness and likelihood of future defaults.

    Copyright:

    © All Rights Reserved
    Download as XLS, PDF, TXT or read online from Scribd
    Download as xls, pdf, or txt
    of 3

    Variable Name

    SeriousDlqin2yrs

    RevolvingUtilizationOfUnsecuredLines
    age
    NumberOfTime30-59DaysPastDueNotWorse
    DebtRatio
    MonthlyIncome
    NumberOfOpenCreditLinesAndLoans
    NumberOfTimes90DaysLate
    NumberRealEstateLoansOrLines
    NumberOfTime60-89DaysPastDueNotWorse
    NumberOfDependents
    Description
    Person experienced 90 days past due delinquency or worse
    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

    Age of borrower in years


    Number of times borrower has been 30-59 days past due but no worse in the last 2 years.
    Monthly debt payments, alimony,living costs divided by monthy gross income
    Monthly income
    Number of Open loans (installment like car loan or mortgage) and Lines of credit (e.g. credit cards)
    Number of times borrower has been 90 days or more past due.
    Number of mortgage and real estate loans including home equity lines of credit
    Number of times borrower has been 60-89 days past due but no worse in the last 2 years.
    Number of dependents in family excluding themselves (spouse, children etc.)
    Type
    Y/N

    percentage
    integer
    integer
    percentage
    real
    integer
    integer
    integer
    integer
    integer

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