This dataset is part of the Give Me Some Credit Kaggle competition. The data contains loan applicant information collected by a US credit bureau. Each row represents a single loan application and the information gathered on the applicant at the time of the application.
Below is a list of the columns included in the dataset and their meaning.
| Variable Name | Description | Type |
|---|---|---|
| SeriousDlqin2yrs | Person experienced 90 days past due delinquency or worse. | Y/N |
| RevolvingUtilizationOfUnsecuredLines | Total balance on credit cards and personal lines of credit except real estate and installment debt (e.g. car loans) divided by the sum of credit limits. | Percentage |
| age | Age of borrower in years. | Integer |
| NumberOfTime30-59DaysPastDueNotWorse | Number of times borrower has been 30-59 days past due but no worse in the last 2 years. | Integer |
| DebtRatio | Monthly debt payments, alimony, and living costs divided by monthly gross income. | Percentage |
| MonthlyIncome | Monthly income. | Dollars |
| NumberOfOpenCreditLinesAndLoans | Number of open loans (e.g. car loan, mortgage) and lines of credit (e.g. credit cards). | Integer |
| NumberOfTimes90DaysLate | Number of times borrower has been 90 days or more past due. | Integer |
| NumberRealEstateLoansOrLines | Number of mortgage and real estate loans including home equity lines of credit. | Integer |
| NumberOfTime60-89DaysPastDueNotWorse | Number of times borrower has been 60-89 days past due but no worse in the last 2 years. | Integer |
| NumberOfDependents | Number of dependents in family excluding applicant (spouse, children, etc...). | Integer |