library('xgboost')
library('readr')
library('stringr')
library('caret')
library('car')
library('ggplot2') # visualization
library('ggthemes') # visualization
library('scales') # visualization
library('dplyr') # data manipulation
library('mice') # imputation
library('randomForest') # classification algorithm
| SeriousDlqin2yrs |
Person experienced 90 days past due delinquency or worse |
Y/N |
| RevolvingUtilizationOfUnsecuredLines |
Total balance on credit cards and personal lines of credit expt r. estate and no installment debt ((car loans / (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,living costs divided by monthy gross income |
percentage |
| MonthlyIncome |
Monthly income |
real |
| NumberOfOpenCreditLinesAndLoans |
Number of Open loans (installment like car loan or 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 themselves (spouse, children etc.) |
integer |