Credit-Card-Scoring

Problem

Given personal information in the bank of a person , can we predict they can pay for the loan or not ?

Installation

1. git clone https://github.com/royal2510/Credit-Card-Scoring.git

2. The data is in the link http://www.creditriskanalytics.net/uploads/1/9/5/1/19511601/hmeq.csv already

Data Dictionary

BAD	(=1) Customers can't pay for the loan or have loan for too long;
	(=0) Customers can pay for the loan.
LOAN	lend (a sum of money or item of property).
MORTDUE	Amount due for an existing mortgage.
VALUE	Value of current collateral.
REASON	The reason that person have to loan the money.
	DebtCon = Debt Consolidation;
	HomeImp = Home Improvement;
JOB	Job.
YOJ	Years work for the company.
DEROG	Number of negative reports (credit reports).
DELINQ	Number of overdue credits.
CLAGE	Age of the longest loan/credit line in months.
NINQ	Number of recent credit report queries.
CLNO	Number of current loans/credit lines.
DEBTINC	The ratio of Debt and Wages.