ExternalRiskEstimate: Consolidated version of risk markers.
Feature Definition
MSinceOldestTradeOpen: Months since oldest trade open.
Feature Definition
MSinceMostRecentTradeOpen: Months since most recent trade open.
Feature Definition
AverageMInFile: Average months in file.
Feature Definition
NumSatisfactoryTrades: Number of satisfactory trades.
Feature Definition
NumTrades60Ever2DerogPubRec: Number of trades 60+ ever.
Feature Definition
NumTrades90Ever2DerogPubRec: Number of trades 90+ ever.
Feature Definition
NumTotalTrades: Number of total trades (total number of credit accounts).
Feature Definition
NumTradesOpeninLast12M: Number of trades open in last 12 months.
Feature Definition
PercentTradesNeverDelq: Percent of trades never delinquent.
Feature Definition
MSinceMostRecentDelq: Months since most recent delinquency.
Feature Definition
MaxDelq2PublicRecLast12M: Max Delq/Public records last 12 months. See table "MaxDelq" in Appendix for each category.
Feature Definition
MaxDelqEver: Max delinquency ever. See table "MaxDelq" in Appendix for each category.
Feature Definition
PercentInstallTrades: Percent of installment trades.
Feature Definition
NetFractionInstallBurden: Net fraction installment burden. This is installment balance divided by original loan amount.
Feature Definition
NumInstallTradesWBalance: Number of installment trades with balance.
Feature Definition
MSinceMostRecentInqexcl7days: Months since most recent inquiry excluding 7days.
Feature Definition
NumInqLast6M: Number of inquries last 6 months.
Feature Definition
NumInqLast6Mexcl7days: Number of inquries last 6 months excluding 7days. Excluding the last 7 days removes inquiries that are likely due to price comparision shopping.
Feature Definition
NetFractionRevolvingBurden: Net fraction revolving burden. This is revolving balance divided by credit limit.
Feature Definition
NumRevolvingTradesWBalance: Number of revolving trades with balance.
Feature Definition
NumBank2NatlTradesWHighUtilization: Number of Bank/Natl trades with high utilization ratio.
Feature Definition
PercentTradesWBalance: Percent of trades with balance.