Datasets:

deburky
/

home-credit-credit-risk-model-stability

case_id int64	date_decision string	MONTH string	WEEK_NUM int64	target int64	maxdpdfrom6mto36m_3546853P float64	maxdpdlast12m_727P float64	maxdpdlast24m_143P float64	maxdpdlast3m_392P float64	maxdpdlast6m_474P float64	numinstls_657L float64	numinstlsallpaid_934L float64	pctinstlsallpaidlat10d_839L float64	totalsettled_863A float64	totaldebt_9A float64	currdebt_22A float64	credamount_770A float64	mobilephncnt_593L float64	homephncnt_628L float64	numactivecreds_622L float64	applications30d_658L float64	applicationscnt_1086L float64	applicationscnt_464L float64	applicationscnt_629L float64	avgdbddpdlast24m_3658932P float64	amtinstpaidbefduel24m_4187115A float64	maxdbddpdlast1m_3658939P float64	maxdbddpdtollast12m_3658940P float64	maxdbddpdtollast6m_4187119P float64	numinstpaidlate1d_3546852L float64	numberofqueries_373L float64	days120_123L float64	days180_256L float64	days30_165L float64	days90_310L float64	days360_512L float64	sex_738L string	education_927M string	incometype_1044T string	familystate_447L string	empl_employedtotal_800L string	language1_981M string	mainoccupationinc_384A float64	age float64	maritalst_385M string	requesttype_4525192L string	description_5085714M string
40,626	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	36,000	1	0	0	0	0	1	0	null	null	null	null	null	null	20	8	11	4	7	20	F	P97_36_170	EMPLOYED	SINGLE	MORE_ONE	P209_127_106	40,000	29	a7fcb6e5	DEDUCTION_6	a55475b1
40,704	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	30,000	2	1	0	0	0	0	0	null	null	null	null	null	null	0	0	0	0	0	0	F	P97_36_170	PRIVATE_SECTOR_EMPLOYEE	MARRIED	MORE_FIVE	P209_127_106	24,000	46	a55475b1	DEDUCTION_6	a55475b1
40,734	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	30,000	1	0	0	1	0	0	0	null	null	null	null	null	null	null	null	null	null	null	null	M	P97_36_170	EMPLOYED	DIVORCED	MORE_FIVE	P209_127_106	14,000	45	a55475b1	DEDUCTION_6	a55475b1
40,737	2019-12-19	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	40,000	1	1	0	0	2	0	0	null	null	null	null	null	null	5	2	3	0	1	5	F	P97_36_170	EMPLOYED	MARRIED	MORE_FIVE	P209_127_106	40,000	41	a55475b1	DEDUCTION_6	a55475b1
40,766	2019-12-20	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	10,000	1	0	0	0	0	0	0	null	null	null	null	null	null	1	0	1	0	0	1	M	P97_36_170	EMPLOYED	MARRIED	MORE_FIVE	P209_127_106	17,000	43	a55475b1	DEDUCTION_6	a55475b1
40,791	2019-12-19	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	60,000	3	0	0	0	0	0	0	null	null	null	null	null	null	4	4	4	3	4	4	M	P97_36_170	EMPLOYED	SINGLE	MORE_FIVE	P209_127_106	20,000	33	ecd83604	DEDUCTION_6	a55475b1
40,821	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	80,000	2	0	0	0	0	0	0	null	null	null	null	null	null	5	4	4	3	4	5	F	P97_36_170	EMPLOYED	WIDOWED	MORE_ONE	P209_127_106	26,000	50	b6cabe76	DEDUCTION_6	a55475b1
40,841	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	20,000	1	0	0	0	0	52	10	null	null	null	null	null	null	12	7	9	7	7	12	F	P97_36_170	EMPLOYED	DIVORCED	MORE_FIVE	P209_127_106	27,000	27	a55475b1	DEDUCTION_6	a55475b1
40,865	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	50,800	1	0	0	0	0	0	0	null	null	null	null	null	null	0	0	0	0	0	0	M	P106_81_188	HANDICAPPED_2	MARRIED	null	P10_39_147	10,000	63	a55475b1	SOCIAL_6	a55475b1
40,871	2019-12-19	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	30,000	1	0	0	0	0	0	0	null	null	null	null	null	null	7	2	3	2	2	7	F	P33_146_175	EMPLOYED	WIDOWED	MORE_FIVE	P209_127_106	20,000	44	3439d993	DEDUCTION_6	a55475b1
40,872	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	20,000	2	1	0	0	0	67	19	null	null	null	null	null	null	11	9	10	1	7	11	F	P97_36_170	EMPLOYED	MARRIED	MORE_FIVE	P209_127_106	30,000	43	a55475b1	DEDUCTION_6	a55475b1
40,875	2019-12-20	2019-12	50	1	0	0	0	0	0	0	null	null	0	0	0	10,000	1	0	0	0	0	0	0	null	null	null	null	null	null	null	null	null	null	null	null	M	P97_36_170	RETIRED_PENSIONER	WIDOWED	null	P209_127_106	9,600	74	a55475b1	PENSION_6	a55475b1
40,881	2019-12-17	2019-12	50	0	0	2	2	2	2	3	4	0	18,195	3,068	3,068	16,000	1	1	1	4	11	0	0	0	14,182.2	0	2	2	1	8	3	3	0	2	8	F	P97_36_170	EMPLOYED	SINGLE	MORE_FIVE	P209_127_106	36,000	27	a55475b1	DEDUCTION_6	a55475b1
40,885	2019-12-19	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	40,000	1	0	0	0	0	0	0	null	null	null	null	null	null	2	0	1	0	0	2	M	P97_36_170	SALARIED_GOVT	MARRIED	MORE_ONE	P10_39_147	18,000	30	3439d993	DEDUCTION_6	a55475b1
40,887	2019-12-26	2019-12	51	0	0	0	0	0	0	0	null	null	0	0	0	100,000	1	1	0	0	1	0	0	null	null	null	null	null	null	10	3	6	1	3	10	F	P97_36_170	SALARIED_GOVT	SINGLE	MORE_FIVE	P209_127_106	80,000	37	a7fcb6e5	DEDUCTION_6	a55475b1
40,891	2019-12-20	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	100,000	1	1	0	0	29	0	0	null	null	null	null	null	null	56	20	24	6	16	56	F	P97_36_170	EMPLOYED	SINGLE	MORE_ONE	P10_39_147	30,000	31	a7fcb6e5	DEDUCTION_6	a55475b1
40,893	2019-12-17	2019-12	50	0	0	0	0	0	0	0	0	null	48,920.95	0	0	100,000	1	1	1	1	0	15	2	null	0	null	null	null	0	6	1	2	0	1	6	F	P33_146_175	PRIVATE_SECTOR_EMPLOYEE	SINGLE	MORE_FIVE	P10_39_147	50,000	29	a55475b1	DEDUCTION_6	a55475b1
40,897	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	120,000	1	2	0	0	0	0	0	null	null	null	null	null	null	21	8	12	2	3	21	F	P97_36_170	PRIVATE_SECTOR_EMPLOYEE	MARRIED	MORE_FIVE	P209_127_106	30,000	43	ecd83604	DEDUCTION_6	a55475b1
40,903	2019-12-20	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	100,000	2	1	0	0	0	0	0	null	null	null	null	null	null	3	1	1	0	0	3	F	P97_36_170	RETIRED_PENSIONER	MARRIED	null	P209_127_106	24,000	71	b6cabe76	PENSION_6	a55475b1
40,905	2019-12-17	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	30,000	2	2	0	0	0	1	0	null	null	null	null	null	null	1	0	0	0	0	1	F	P97_36_170	EMPLOYED	SINGLE	MORE_FIVE	P209_127_106	20,000	42	a55475b1	DEDUCTION_6	a55475b1
40,906	2019-12-17	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	32,000	1	0	0	0	0	10	2	null	null	null	null	null	null	27	6	8	3	5	27	M	P97_36_170	EMPLOYED	SINGLE	MORE_ONE	P10_39_147	40,000	28	a7fcb6e5	DEDUCTION_6	a55475b1
40,907	2019-12-18	2019-12	50	0	0	0	0	0	0	12	1	null	1,000	11,978	11,978	10,000	1	1	1	1	3	0	0	0	998.2	0	0	0	0	11	1	3	0	1	11	M	P97_36_170	EMPLOYED	MARRIED	MORE_FIVE	P209_127_106	60,000	43	a55475b1	DEDUCTION_6	a55475b1
40,909	2019-12-21	2019-12	50	0	0	0	0	0	0	12	2	0	4,400	21,954	21,954	16,000	1	0	1	2	0	0	0	-3	4,392.4	0	0	0	0	15	7	8	2	6	15	F	P97_36_170	RETIRED_PENSIONER	DIVORCED	null	P209_127_106	30,000	61	3439d993	PENSION_6	a55475b1
40,910	2019-12-19	2019-12	50	1	0	0	0	0	0	0	null	null	0	0	0	60,000	2	1	0	0	0	0	0	null	null	null	null	null	null	0	0	0	0	0	0	M	P97_36_170	EMPLOYED	SINGLE	MORE_FIVE	P209_127_106	24,000	36	3439d993	DEDUCTION_6	a55475b1
40,915	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	14,000	1	1	0	0	4	0	0	null	null	null	null	null	null	0	0	0	0	0	0	M	P97_36_170	EMPLOYED	MARRIED	MORE_FIVE	P209_127_106	27,000	44	a55475b1	DEDUCTION_6	a55475b1
40,919	2019-12-17	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	100,000	3	1	0	0	0	0	0	null	null	null	null	null	null	2	2	2	2	2	2	M	P97_36_170	EMPLOYED	SINGLE	MORE_ONE	P209_127_106	31,000	48	a7fcb6e5	DEDUCTION_6	a55475b1
40,920	2019-12-18	2019-12	50	0	0	0	0	0	0	0	0	null	0	0	0	60,000	2	1	0	0	11	0	0	null	null	null	null	null	null	0	0	0	0	0	0	F	P33_146_175	SALARIED_GOVT	SINGLE	MORE_ONE	P10_39_147	30,000	28	a55475b1	DEDUCTION_6	a55475b1
40,928	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	100,000	2	1	0	0	1	0	0	null	null	null	null	null	null	2	2	2	2	2	2	F	P97_36_170	RETIRED_PENSIONER	MARRIED	null	P10_39_147	13,000	66	a55475b1	PENSION_6	a55475b1
40,932	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	20,000	1	0	0	0	0	0	0	null	null	null	null	null	null	8	2	4	0	0	8	F	P97_36_170	SALARIED_GOVT	MARRIED	MORE_FIVE	P209_127_106	14,000	36	3439d993	DEDUCTION_6	a55475b1
40,934	2019-12-17	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	100,000	2	0	0	0	0	0	0	null	null	null	null	null	null	4	3	3	0	1	4	M	P97_36_170	PRIVATE_SECTOR_EMPLOYEE	MARRIED	LESS_ONE	P209_127_106	56,000	42	3439d993	DEDUCTION_6	a55475b1
40,935	2019-12-20	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	40,000	1	1	0	0	1	0	0	null	null	null	null	null	null	0	0	0	0	0	0	M	P33_146_175	SALARIED_GOVT	SINGLE	MORE_FIVE	P209_127_106	20,000	28	a55475b1	DEDUCTION_6	a55475b1
40,942	2019-12-19	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	60,000	1	1	0	0	0	0	0	null	null	null	null	null	null	3	1	1	0	1	3	F	P97_36_170	RETIRED_PENSIONER	MARRIED	null	P10_39_147	32,000	68	a55475b1	PENSION_6	a55475b1
40,943	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	110,000	1	1	0	0	1	0	0	null	null	null	null	null	null	1	0	0	0	0	1	F	P33_146_175	SALARIED_GOVT	MARRIED	MORE_FIVE	P209_127_106	34,000	28	a55475b1	DEDUCTION_6	a55475b1
40,944	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	30,000	1	1	0	0	1	0	0	null	null	null	null	null	null	6	6	6	4	6	6	F	P97_36_170	RETIRED_PENSIONER	MARRIED	null	P209_127_106	12,200	63	a55475b1	PENSION_6	a55475b1
40,945	2019-12-19	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	6,000	3	1	0	0	0	5	2	null	null	null	null	null	null	17	7	15	1	6	17	M	P97_36_170	EMPLOYED	MARRIED	MORE_ONE	P10_39_147	24,000	29	a55475b1	DEDUCTION_6	a55475b1
40,946	2019-12-20	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	80,000	1	0	0	0	0	0	0	null	null	null	null	null	null	14	4	6	0	2	14	M	P97_36_170	EMPLOYED	MARRIED	MORE_FIVE	P209_127_106	35,000	30	a55475b1	DEDUCTION_6	a55475b1
40,947	2019-12-17	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	40,000	2	1	0	0	5	0	0	null	null	null	null	null	null	1	1	1	1	1	1	F	P97_36_170	EMPLOYED	DIVORCED	LESS_ONE	P209_127_106	36,000	59	a55475b1	DEDUCTION_6	a55475b1
40,948	2019-12-17	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	60,000	1	0	0	0	0	0	0	null	null	null	null	null	null	2	0	0	0	0	2	M	P97_36_170	SALARIED_GOVT	MARRIED	MORE_FIVE	P10_39_147	40,000	64	a55475b1	DEDUCTION_6	a55475b1
40,949	2019-12-17	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	150,000	2	0	0	0	0	0	0	null	null	null	null	null	null	0	0	0	0	0	0	F	P97_36_170	RETIRED_PENSIONER	MARRIED	null	P10_39_147	64,000	66	a55475b1	PENSION_6	a55475b1
40,950	2019-12-17	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	30,000	1	1	0	0	0	0	0	null	null	null	null	null	null	1	0	0	0	0	1	F	P97_36_170	RETIRED_PENSIONER	WIDOWED	null	P209_127_106	19,400	73	a55475b1	PENSION_6	a55475b1
40,951	2019-12-18	2019-12	50	0	0	0	0	0	0	0	2	0	12,520	0	0	20,000	1	0	0	3	0	0	0	-2	7,530.268	0	0	0	0	2	2	2	1	2	2	F	P97_36_170	PRIVATE_SECTOR_EMPLOYEE	MARRIED	MORE_FIVE	P10_39_147	18,000	33	a55475b1	DEDUCTION_6	a55475b1
40,952	2019-12-17	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	30,000	1	0	0	0	0	0	0	null	null	null	null	null	null	4	1	2	0	1	4	F	P33_146_175	PRIVATE_SECTOR_EMPLOYEE	MARRIED	MORE_ONE	P209_127_106	100,000	43	a55475b1	DEDUCTION_6	a55475b1
40,953	2019-12-17	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	60,000	1	1	0	0	0	0	0	null	null	null	null	null	null	2	1	1	0	0	2	F	P97_36_170	EMPLOYED	MARRIED	MORE_FIVE	P209_127_106	52,000	46	a55475b1	DEDUCTION_6	a55475b1
40,954	2019-12-17	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	100,000	1	1	0	0	2	0	0	null	null	null	null	null	null	3	1	1	1	1	3	M	P97_36_170	HANDICAPPED_3	WIDOWED	null	P209_127_106	30,000	64	a7fcb6e5	SOCIAL_6	a55475b1
40,955	2019-12-17	2019-12	50	0	0	0	0	0	0	0	0	null	700	0	0	60,000	3	1	3	0	3	43	13	null	0	null	null	null	0	6	6	6	3	6	6	F	P33_146_175	PRIVATE_SECTOR_EMPLOYEE	SINGLE	MORE_FIVE	P10_39_147	79,000	33	a7fcb6e5	DEDUCTION_6	a55475b1
40,956	2019-12-17	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	70,000	1	0	0	0	0	0	0	null	null	null	null	null	null	0	0	0	0	0	0	F	P97_36_170	SALARIED_GOVT	MARRIED	MORE_ONE	P10_39_147	30,000	49	a55475b1	DEDUCTION_6	a55475b1
40,957	2019-12-17	2019-12	50	0	0	0	0	0	0	9	1	null	130,331.805	97,212.805	97,212.805	60,000	1	0	2	4	0	0	0	-1	12,151.8	-1	-1	-1	0	9	4	5	1	3	9	M	P33_146_175	PRIVATE_SECTOR_EMPLOYEE	MARRIED	MORE_ONE	P209_127_106	40,000	34	a55475b1	DEDUCTION_6	a55475b1
40,958	2019-12-17	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	120,000	1	0	0	0	0	19	3	null	null	null	null	null	null	3	3	3	3	3	3	F	P33_146_175	PRIVATE_SECTOR_EMPLOYEE	MARRIED	MORE_FIVE	P10_39_147	100,000	29	a55475b1	DEDUCTION_6	a55475b1
40,959	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	60,000	1	1	0	0	23	1	0	null	null	null	null	null	null	0	0	0	0	0	0	F	P97_36_170	EMPLOYED	MARRIED	MORE_FIVE	P209_127_106	16,000	55	a55475b1	DEDUCTION_6	a55475b1
40,960	2019-12-17	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	101,500	1	0	0	0	0	0	0	null	null	null	null	null	null	4	2	3	0	2	4	M	P97_36_170	PRIVATE_SECTOR_EMPLOYEE	MARRIED	MORE_FIVE	P10_39_147	30,000	39	3439d993	DEDUCTION_6	a55475b1
40,961	2019-12-17	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	40,000	1	1	0	0	2	7	2	null	null	null	null	null	null	2	1	1	1	1	2	F	P97_36_170	PRIVATE_SECTOR_EMPLOYEE	MARRIED	MORE_FIVE	P10_39_147	50,000	37	3439d993	DEDUCTION_6	a55475b1
40,962	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	20,000	1	0	1	0	0	0	0	null	null	null	null	null	null	6	2	4	0	0	6	M	P97_36_170	PRIVATE_SECTOR_EMPLOYEE	SINGLE	MORE_ONE	P10_39_147	57,000	34	3439d993	DEDUCTION_6	a55475b1
40,963	2019-12-17	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	60,000	2	0	0	0	0	2	1	null	null	null	null	null	null	15	3	3	3	3	15	M	P97_36_170	EMPLOYED	MARRIED	MORE_FIVE	P10_39_147	60,000	67	3439d993	DEDUCTION_6	a55475b1
40,964	2019-12-17	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	60,000	1	0	0	1	0	0	0	null	null	null	null	null	null	10	6	8	3	4	10	M	P97_36_170	PRIVATE_SECTOR_EMPLOYEE	SINGLE	MORE_ONE	P10_39_147	90,000	30	a55475b1	DEDUCTION_6	a55475b1
40,965	2019-12-19	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	30,000	1	0	0	0	0	0	0	null	null	null	null	null	null	11	1	2	0	1	11	F	P97_36_170	SALARIED_GOVT	MARRIED	LESS_ONE	P10_39_147	24,000	29	a55475b1	DEDUCTION_6	a55475b1
40,966	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	40,000	1	0	0	2	0	0	0	null	null	null	null	null	null	3	1	1	1	1	3	M	P33_146_175	PRIVATE_SECTOR_EMPLOYEE	MARRIED	MORE_FIVE	P10_39_147	36,000	33	a55475b1	DEDUCTION_6	a55475b1
40,967	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	40,000	1	1	0	0	6	0	0	null	null	null	null	null	null	12	2	4	0	2	12	M	P97_36_170	EMPLOYED	MARRIED	MORE_ONE	P10_39_147	36,000	27	a55475b1	DEDUCTION_6	a55475b1
40,968	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	100,000	1	1	0	0	0	0	0	null	null	null	null	null	null	8	1	2	0	1	8	F	P97_36_170	EMPLOYED	DIVORCED	MORE_FIVE	P10_39_147	30,000	47	a55475b1	DEDUCTION_6	a55475b1
40,969	2019-12-17	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	130,000	1	0	0	0	0	0	0	null	null	null	null	null	null	2	1	1	1	1	2	F	P97_36_170	EMPLOYED	SINGLE	MORE_FIVE	P209_127_106	86,000	33	a7fcb6e5	DEDUCTION_6	a55475b1
40,970	2019-12-19	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	20,000	1	1	0	0	7	0	0	null	null	null	null	null	null	null	null	null	null	null	null	F	P97_36_170	EMPLOYED	MARRIED	MORE_FIVE	P209_127_106	16,600	32	a55475b1	DEDUCTION_6	a55475b1
40,971	2019-12-17	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	100,000	1	0	0	0	0	6	3	null	null	null	null	null	null	10	3	6	2	2	10	M	P97_36_170	EMPLOYED	MARRIED	MORE_FIVE	P209_127_106	30,000	38	a55475b1	DEDUCTION_6	a55475b1
40,972	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	15,000	2	1	0	0	0	0	0	null	null	null	null	null	null	1	0	1	0	0	1	M	P97_36_170	EMPLOYED	DIVORCED	MORE_FIVE	P209_127_106	24,000	43	3439d993	DEDUCTION_6	a55475b1
40,973	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	100,000	1	1	0	0	0	0	0	null	null	null	null	null	null	10	2	4	1	2	10	F	P97_36_170	EMPLOYED	SINGLE	MORE_FIVE	P209_127_106	40,000	35	a55475b1	DEDUCTION_6	a55475b1
40,974	2019-12-17	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	30,000	1	0	0	0	0	0	0	null	null	null	null	null	null	0	0	0	0	0	0	F	P33_146_175	SALARIED_GOVT	MARRIED	MORE_ONE	P10_39_147	47,000	29	a55475b1	DEDUCTION_6	a55475b1
40,975	2019-12-17	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	20,604	2	1	0	0	0	10	1	null	null	null	null	null	null	0	0	0	0	0	0	F	P97_36_170	EMPLOYED	SINGLE	MORE_FIVE	P209_127_106	24,000	62	a7fcb6e5	DEDUCTION_6	a55475b1
40,976	2019-12-18	2019-12	50	1	0	0	0	0	0	0	null	null	0	0	0	30,000	1	0	0	0	0	0	0	null	null	null	null	null	null	null	null	null	null	null	null	F	P97_36_170	RETIRED_PENSIONER	WIDOWED	null	P209_127_106	10,000	73	a55475b1	PENSION_6	a55475b1
40,977	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	100,000	1	1	0	0	1	1	1	null	null	null	null	null	null	15	5	7	3	4	15	M	P97_36_170	EMPLOYED	SINGLE	MORE_FIVE	P10_39_147	40,000	28	a55475b1	DEDUCTION_6	a55475b1
40,978	2019-12-17	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	20,000	1	1	0	1	0	0	0	null	null	null	null	null	null	0	0	0	0	0	0	M	P33_146_175	RETIRED_PENSIONER	MARRIED	MORE_FIVE	P209_127_106	52,000	70	a55475b1	PENSION_6	a55475b1
40,979	2019-12-23	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	30,000	1	1	0	2	0	0	0	null	null	null	null	null	null	null	null	null	null	null	null	M	P97_36_170	EMPLOYED	MARRIED	LESS_ONE	P209_127_106	13,000	33	a55475b1	DEDUCTION_6	a55475b1
40,980	2019-12-17	2019-12	50	0	0	0	0	0	0	12	3	1	8,964	26,842	26,842	100,000	3	0	1	1	0	0	0	15	2,984	26	-1	-1	2	4	3	3	1	1	4	M	P97_36_170	EMPLOYED	MARRIED	MORE_ONE	P10_39_147	40,000	42	3439d993	DEDUCTION_6	a55475b1
40,981	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	40,000	2	1	0	0	0	0	0	null	null	null	null	null	null	2	0	0	0	0	2	M	P97_36_170	RETIRED_PENSIONER	WIDOWED	null	P209_127_106	26,000	77	b6cabe76	PENSION_6	a55475b1
40,982	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	140,000	1	0	0	0	0	0	0	null	null	null	null	null	null	3	1	1	1	1	3	M	P97_36_170	RETIRED_PENSIONER	SINGLE	null	P209_127_106	46,400	69	a7fcb6e5	PENSION_6	a55475b1
40,983	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	105,000	1	1	0	2	2	2	0	null	null	null	null	null	null	12	4	5	0	1	12	M	P33_146_175	PRIVATE_SECTOR_EMPLOYEE	MARRIED	MORE_FIVE	P209_127_106	70,000	34	a7fcb6e5	DEDUCTION_6	a55475b1
40,984	2019-12-19	2019-12	50	1	0	0	0	0	0	6	0	null	0	18,183	18,183	70,000	1	0	1	3	0	1	0	null	0	null	null	null	0	7	7	7	3	6	7	M	P97_36_170	PRIVATE_SECTOR_EMPLOYEE	MARRIED	MORE_FIVE	P209_127_106	70,000	32	a55475b1	DEDUCTION_6	a55475b1
40,985	2019-12-18	2019-12	50	0	0	0	0	0	0	0	3	0	22,500	0	0	100,000	2	1	0	0	1	0	0	-5	22,436.201	0	0	0	0	1	1	1	0	1	1	M	P97_36_170	HANDICAPPED_2	MARRIED	null	P10_39_147	11,200	32	a55475b1	SOCIAL_6	a55475b1
40,986	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	101,500	1	0	0	0	0	0	0	null	null	null	null	null	null	2	0	0	0	0	2	F	P97_36_170	EMPLOYED	MARRIED	MORE_FIVE	P209_127_106	60,000	54	3439d993	DEDUCTION_6	a55475b1
40,987	2019-12-18	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	50,000	1	0	0	0	0	0	0	null	null	null	null	null	null	null	null	null	null	null	null	F	P97_36_170	RETIRED_PENSIONER	MARRIED	null	P10_39_147	49,000	58	a55475b1	PENSION_6	a55475b1
40,988	2019-12-18	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	41,208	1	0	0	0	0	0	0	null	null	null	null	null	null	8	2	4	1	2	8	M	P33_146_175	EMPLOYED	SINGLE	MORE_FIVE	P209_127_106	60,000	30	a7fcb6e5	DEDUCTION_6	a55475b1
40,989	2019-12-18	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	90,000	1	0	0	0	0	0	0	null	null	null	null	null	null	null	null	null	null	null	null	M	P33_146_175	RETIRED_PENSIONER	MARRIED	null	P10_39_147	116,000	68	a55475b1	PENSION_6	a55475b1
40,990	2019-12-18	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	130,000	1	0	0	0	0	0	0	null	null	null	null	null	null	3	3	3	3	3	3	M	P97_36_170	RETIRED_PENSIONER	MARRIED	null	P10_39_147	50,000	73	a55475b1	PENSION_6	a55475b1
40,991	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	100,000	2	0	0	0	0	0	0	null	null	null	null	null	null	2	0	0	0	0	2	M	P97_36_170	RETIRED_PENSIONER	WIDOWED	null	P10_39_147	40,000	70	b6cabe76	PENSION_6	a55475b1
40,992	2019-12-19	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	6,000	2	0	0	0	0	0	0	null	null	null	null	null	null	6	1	2	0	1	6	F	P33_146_175	PRIVATE_SECTOR_EMPLOYEE	SINGLE	MORE_FIVE	P209_127_106	30,000	30	a55475b1	DEDUCTION_6	a55475b1
40,993	2019-12-18	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	80,000	1	0	0	0	0	0	0	null	null	null	null	null	null	null	null	null	null	null	null	F	P97_36_170	RETIRED_PENSIONER	WIDOWED	null	P209_127_106	40,000	68	a55475b1	PENSION_6	a55475b1
40,994	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	60,000	2	1	0	0	11	0	0	null	null	null	null	null	null	6	1	2	1	1	6	M	P97_36_170	PRIVATE_SECTOR_EMPLOYEE	MARRIED	MORE_FIVE	P209_127_106	50,000	48	a7fcb6e5	DEDUCTION_6	a55475b1
40,995	2019-12-18	2019-12	50	1	0	0	0	0	0	0	null	null	0	0	0	150,000	1	2	0	0	0	0	0	null	null	null	null	null	null	9	3	7	1	3	9	M	P33_146_175	RETIRED_PENSIONER	MARRIED	null	P209_127_106	62,000	72	a55475b1	PENSION_6	a55475b1
40,996	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	60,000	1	0	0	0	0	0	0	null	null	null	null	null	null	0	0	0	0	0	0	M	P97_36_170	RETIRED_PENSIONER	WIDOWED	null	P10_39_147	100,000	67	a55475b1	PENSION_6	a55475b1
40,997	2019-12-18	2019-12	50	1	0	0	0	0	0	0	null	null	0	0	0	34,000	1	0	0	1	0	0	0	null	null	null	null	null	null	5	5	5	2	5	5	F	P33_146_175	EMPLOYED	MARRIED	MORE_FIVE	P209_127_106	60,000	38	3439d993	DEDUCTION_6	a55475b1
40,998	2019-12-18	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	20,000	1	0	0	0	0	0	0	null	null	null	null	null	null	0	0	0	0	0	0	M	P97_36_170	RETIRED_PENSIONER	MARRIED	null	P10_39_147	90,000	73	a55475b1	PENSION_6	a55475b1
40,999	2019-12-18	2019-12	50	1	0	0	0	0	0	0	0	null	0	0	0	10,000	1	0	0	1	0	1	1	null	null	null	null	null	null	9	4	6	1	2	9	F	P97_36_170	SALARIED_GOVT	DIVORCED	LESS_ONE	P10_39_147	60,000	49	a55475b1	DEDUCTION_6	a55475b1
41,000	2019-12-18	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	91,800	1	0	0	0	0	0	0	null	null	null	null	null	null	0	0	0	0	0	0	M	P97_36_170	RETIRED_PENSIONER	LIVING_WITH_PARTNER	null	P209_127_106	40,000	67	a55475b1	PENSION_6	a55475b1
41,001	2019-12-18	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	24,000	1	0	0	0	0	0	0	null	null	null	null	null	null	1	1	1	1	1	1	M	P97_36_170	PRIVATE_SECTOR_EMPLOYEE	MARRIED	MORE_ONE	P209_127_106	24,000	66	a55475b1	DEDUCTION_6	a55475b1
41,002	2019-12-18	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	50,000	1	0	0	0	0	0	0	null	null	null	null	null	null	2	1	2	1	1	2	M	P97_36_170	RETIRED_PENSIONER	MARRIED	null	P10_39_147	50,000	68	a55475b1	PENSION_6	a55475b1
41,003	2019-12-18	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	60,000	1	0	0	0	0	0	0	null	null	null	null	null	null	0	0	0	0	0	0	F	P97_36_170	RETIRED_PENSIONER	WIDOWED	null	P10_39_147	28,000	63	a55475b1	PENSION_6	a55475b1
41,004	2019-12-18	2019-12	50	0	0	0	0	0	0	0	1	0	19,940	0	0	20,000	1	1	0	1	0	0	0	0	19,916	0	0	0	0	11	3	3	2	3	11	M	P33_146_175	PRIVATE_SECTOR_EMPLOYEE	MARRIED	MORE_ONE	P10_39_147	40,000	65	a55475b1	DEDUCTION_6	a55475b1
41,005	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	70,000	1	1	0	0	8	0	0	null	null	null	null	null	null	4	1	3	1	1	4	F	P33_146_175	SALARIED_GOVT	MARRIED	MORE_FIVE	P10_39_147	16,000	34	3439d993	DEDUCTION_6	a55475b1
41,006	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	16,000	1	0	0	0	0	0	0	null	null	null	null	null	null	4	0	1	0	0	4	F	P97_36_170	SALARIED_GOVT	MARRIED	MORE_FIVE	P10_39_147	52,000	32	a55475b1	DEDUCTION_6	a55475b1
41,007	2019-12-18	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	20,000	1	0	0	0	0	0	0	null	null	null	null	null	null	19	1	5	0	1	19	M	a55475b1	SALARIED_GOVT	null	null	P10_39_147	49,000	39	3439d993	DEDUCTION_6	a55475b1
41,008	2019-12-18	2019-12	50	0	null	null	null	null	null	0	null	null	0	0	0	30,000	1	1	0	0	2	0	0	null	null	null	null	null	null	10	6	7	2	6	10	F	P33_146_175	PRIVATE_SECTOR_EMPLOYEE	MARRIED	MORE_ONE	P209_127_106	52,000	31	a7fcb6e5	DEDUCTION_6	a55475b1
41,009	2019-12-18	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	151,200	2	0	0	0	0	0	0	null	null	null	null	null	null	3	2	2	1	2	3	M	P97_36_170	PRIVATE_SECTOR_EMPLOYEE	MARRIED	MORE_FIVE	P10_39_147	40,000	50	a55475b1	DEDUCTION_6	a55475b1
41,010	2019-12-19	2019-12	50	0	0	0	0	0	0	0	null	null	0	0	0	40,000	1	0	0	0	0	0	0	null	null	null	null	null	null	1	1	1	0	1	1	M	a55475b1	EMPLOYED	null	null	P10_39_147	57,400	47	a55475b1	DEDUCTION_6	a55475b1

End of preview. Expand in Data Studio

Home Credit - Credit Risk Model Stability (Processed)

Processed subset of the Home Credit - Credit Risk Model Stability Kaggle competition dataset, prepared for the RWDS article on information-theoretic foundations of WoE, IV, and PSI.

Dataset

Rows: 522,596 loan applications
Columns: 48 (32 predictors + target + metadata + 11 applicant/CB attributes)
Source tables: train_base, train_static_0_1 (depth=0, internal), train_static_cb_0 (depth=0, external), train_person_1 (depth=1, internal)
Target: binary default indicator (1 = default, 0 = non-default)

Column Reference

Special Columns

Column	Type	Description
`case_id`	int	Unique identifier for each credit case
`date_decision`	datetime	Date when the loan decision was made
`MONTH`	datetime	Month of decision (for aggregation)
`WEEK_NUM`	int	Week number (for temporal stability / PSI analysis)
`target`	int	1 = client defaulted, 0 = non-default

Applicant Attributes (from `person_1`)

Column	Type	Coverage	Description
`sex_738L`	str	100%	Applicant sex (F / M)
`age`	float	100%	Age in years (derived from `birth_259D`, reference 2024-01-01)
`education_927M`	str	100%	Education level (6 masked categories)
`incometype_1044T`	str	100%	Income type: PRIVATE_SECTOR_EMPLOYEE, SALARIED_GOVT, RETIRED_PENSIONER, EMPLOYED, SELFEMPLOYED, OTHER, HANDICAPPED_2, HANDICAPPED_3
`familystate_447L`	str	46%	Marital status: MARRIED, SINGLE, WIDOWED, DIVORCED, LIVING_WITH_PARTNER
`empl_employedtotal_800L`	str	23%	Employment tenure: LESS_ONE, MORE_ONE, MORE_FIVE
`language1_981M`	str	100%	Language group (3 masked categories)
`mainoccupationinc_384A`	float	100%	Main occupation income amount

Credit Bureau Attributes (from `static_cb_0`)

Column	Type	Coverage	Description
`maritalst_385M`	str	100%	Marital status from credit bureau (6 masked categories)
`requesttype_4525192L`	str	57%	Request type: DEDUCTION_6, PENSION_6, SOCIAL_6
`description_5085714M`	str	100%	Product description (2 masked categories)

Predictor Suffix Codes

Column names end with a capital letter denoting the transformation group applied by the data provider:

Suffix	Transformation
`P`	Days Past Due (DPD) transform
`M`	Masking categories
`A`	Amount transform
`D`	Date transform
`T`	Unspecified transform
`L`	Unspecified transform

For example, maxdbddpdtollast6m_4187119P is a DPD-transformed feature.

Feature Groups

Days Past Due (5 features)

Feature	Description
`maxdpdfrom6mto36m_3546853P`	Max DPD from 6 to 36 months
`maxdpdlast12m_727P`	Max DPD last 12 months
`maxdpdlast24m_143P`	Max DPD last 24 months
`maxdpdlast3m_392P`	Max DPD last 3 months
`maxdpdlast6m_474P`	Max DPD last 6 months

Credit Bureau (6 features)

Feature	Description
`numberofqueries_373L`	Number of credit enquiries
`days120_123L`	CB 120-day indicator
`days180_256L`	CB 180-day indicator
`days30_165L`	CB 30-day indicator
`days90_310L`	CB 90-day indicator
`days360_512L`	CB 360-day indicator

User Profile (21 features)

Feature	Description
`numinstls_657L`	Number of instalments
`numinstlsallpaid_934L`	Instalments all paid
`pctinstlsallpaidlat10d_839L`	% instalments paid late (10d)
`totalsettled_863A`	Total settled amount
`totaldebt_9A`	Total debt
`currdebt_22A`	Current debt
`credamount_770A`	Credit amount
`mobilephncnt_593L`	Mobile phone count
`homephncnt_628L`	Home phone count
`numactivecreds_622L`	Number of active credits
`applicationcnt_361L`	Application count
`applications30d_658L`	Applications last 30 days
`applicationscnt_1086L`	Applications count
`applicationscnt_464L`	Applications count
`applicationscnt_629L`	Applications count
`avgdbddpdlast24m_3658932P`	Avg DPD last 24 months
`amtinstpaidbefduel24m_4187115A`	Amount paid before due (24m)
`maxdbddpdlast1m_3658939P`	Max DPD last 1 month
`maxdbddpdtollast12m_3658940P`	Max DPD tolerance last 12m
`maxdbddpdtollast6m_4187119P`	Max DPD tolerance last 6m
`numinstpaidlate1d_3546852L`	Instalments paid late (1d)

Depth Levels (Original Dataset)

This processed file uses only depth=0 tables (static features tied directly to case_id) plus primary applicant demographics from depth=1. The full competition dataset includes:

depth=0: Static features directly tied to a case_id
depth=1: Historical records indexed by num_group1 (requires aggregation)
depth=2: Historical records indexed by num_group1 and num_group2

When num_group1=0, it refers to the applicant (the person who applied for the loan).

Citation

@misc{homecredit2024,
  author = {Daniel Herman and Tomas Jelinek and Walter Reade and Maggie Demkin and Addison Howard},
  title = {Home Credit - Credit Risk Model Stability},
  year = {2024},
  howpublished = {\url{https://kaggle.com/competitions/home-credit-credit-risk-model-stability}},
  note = {Kaggle}
}