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GiveMeSomeCredit
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The “GiveMeSomeCredit” dataset hosted on Kaggle contains approximately 150000 observations, with 11 variables. There is also a test set which includes 101503 instances. The goal is to determine whether or not a loan should be granted. Attributes(11): Serious Dlqin2yrs: (binary) Person experienced 90 days past due delinquency or worse. 0,1. Revolving Utilization Of Unsecured Lines: (numerical) 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. Range from: 0.0-50708.0. Age: (numerical) Age of borrower in years Range from: 0-109. Number Of Time 30-59 Days Past Due Not Worse: (numerical) Number of times borrower has been 30-59 days past due but no worse in the last 2 years. Range from: 0-98. DebtRatio: (numerical) Monthly debt payments, alimony,living costs divided by monthy gross income. Range from: 0.0-329664.0. MonthlyIncome: (numerical) Monthly income. Range from: 0.0-3008750.0. NumberOfOpenCreditLinesAndLoans: (numerical) Number of Open loans (installment like car loan or mortgage) and Lines of credit (e.g. credit cards) Range from: 0-58. NumberOfTimes90DaysLate: (numerical) Number of times borrower has been 90 days or more past due. Range from: 0-98. NumberRealEstateLoansOrLines: (numerical) Number of mortgage and real estate loans including home equity lines of credit. Range from: 0-54. NumberOfTime60-89DaysPastDueNotWorse: (numerical) Number of times borrower has been 60-89 days past due but no worse in the last 2 years. Range from: 0-98. NumberOfDependents: (numerical) Number of dependents in family excluding themselves (spouse, children etc.). Range from: 0-20.