9.5 KiB
9.5 KiB
| 1 | var_name | description | data_type | valid_min | valid_max | cap_min_type | cap_min_value | cap_max_type | cap_max_value | default_treatment_type | default_treatment_value | missing_treatment_type | missing_treatment_value | scaling_type | encoding_type | is_category | is_predictor | is_id | is_target | monotonic | force | ignore | observed_cap_min_value | observed_cap_max_value | observed_default_treatment_value | observed_missing_treatment_value |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2 | AEPMAG05 | The aggregate excess payment magnitude algorithm measures the degree of aggregate personal loan aggregate excess payment change over the last 24 months by considering the aggregate excess payment patterns. High indexes indicate a high degree of aggregate excess payment growth. | int | 0 | 600 | fixed | 23 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 23 | 374 | ||||||||||
| 3 | RET201 | Total payment ratio (payment made/minimum payment due) for retail accounts over the past 1 month | float | 0 | 50 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 13 | ||||||||||
| 4 | PER201 | Total payment ratio for personal loans over the past month | float | 0 | 50 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 7 | ||||||||||
| 5 | PER202 | Total payment ratio for personal loans over the past 3 months | float | 0 | 50 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 6 | ||||||||||
| 6 | PER222 | Average payment ratio for personal loans over the past 3 months | float | 0 | 50 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 6 | ||||||||||
| 7 | PER225 | Average payment ratio for personal loans over the past 24 months | float | 0 | 50 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 5 | ||||||||||
| 8 | PER235 | Aggregate excess payment for personal loans over the past 24 months | int | 0 | 999999999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 19137 | ||||||||||
| 9 | CTM18 | Number of balance increases for non-mortgage accounts in the last 3 months. Increases are measured on a month-over-month basis for each account over the most recent 3 months for consumers who have moved. Note: Move date is the latest update to the primary address of the consumer | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 26 | ||||||||||
| 10 | SC20S | Months since oldest secured card opened | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 133 | ||||||||||
| 11 | AT36SD | Months since most recent delinquency | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 999 | ||||||||||
| 12 | FI36SD | Months since most recent finance installment delinquency | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 999 | ||||||||||
| 13 | G250BD | Number of 30 days past due or worse items in the past 12 months (excluding medical collection items) | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 12 | ||||||||||
| 14 | G250CD | Number of 30 days past due or worse items in the past 24 months (excluding medical collection items) | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 15 | ||||||||||
| 15 | US36SD | Months since most recent unsecured installment delinquency | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 999 | ||||||||||
| 16 | CV13 | The percentage of total accounts that have ever been 30 or more days past due | float | 0 | 100 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 71 | ||||||||||
| 17 | CV25 | The percentage of accounts that went from inactive ($0 balance) to active (balance > $0) at any time within the past 12 months. | float | 0 | 100 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 25 | ||||||||||
| 18 | CV26 | The percentage of accounts that went from active (balance > $0) to inactive ($0 balance) at any time within the past 12 months. | float | 0 | 100 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 60 | ||||||||||
| 19 | AT01S | Number of trades | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 139 | ||||||||||
| 20 | AT104S | Ratio of all trades opened in past 24 months to all trades | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 100 | ||||||||||
| 21 | BC33S | Total balance of open credit cards verified in past 12 months | int | 0 | 999999999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 26226 | ||||||||||
| 22 | FI20S | Months since oldest finance installment loan opened | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 219 | ||||||||||
| 23 | FI35S | Average balance of open finance installment loans verified in past 12 months | int | 0 | 999999999 | fixed | 1 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 1 | 34335 | ||||||||||
| 24 | G051S | Percentage of trades ever delinquent | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 71 | ||||||||||
| 25 | G205S | Total monthly obligation (minimum payment due) for individual accounts verified in past 12 months. Note: Excludes joint accounts. Note: Sum of payment due amounts (no calculations/inferences) | int | 0 | 999999999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 3470 | ||||||||||
| 26 | G210S | Total past due amount of charged-off trades verified in past 12 months | int | 0 | 999999999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 33163 | ||||||||||
| 27 | G218A | Number of trades verified in the past 12 months that are currently 30 days past due | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 2 | ||||||||||
| 28 | G225S | Total past due amount of currently 90 or more days past due trades | int | 0 | 999999999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 35362 | ||||||||||
| 29 | G234S | Number of days with inquiry occurring in past 30 days | int | 0 | 31 | fixed | 0 | fixed | 31 | unk | 1 | 1 | 0 | 0 | 0 | 31 | ||||||||||
| 30 | G300S | Worst rating on credit cards in past 12 months: 0 No rating available,1 Paid or paying as agreed, 2 30 days past due, 3 60 days past due, 4 90 days past due, 5 120 days pastdue, 8 Repossession/Surrender, 9 Charged Off as Bad Debt/Collection, 10 Bankruptc | int | -4 | 10 | 0 | 1 | 1 | -1 | 0 | 0 | -4 | 10 | |||||||||||||
| 31 | G980S | Number of deduped inquiries in past 6 months | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 9 | ||||||||||
| 32 | IN02S | Number of open installment loans | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 17 | ||||||||||
| 33 | IN12S | Number of open installment loans verified in past 12 months | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 17 | ||||||||||
| 34 | OF20S | Months since oldest credit union trade opened | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 274 | ||||||||||
| 35 | RT20S | Months since oldest retail trade opened | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 338 | ||||||||||
| 36 | INAP01 | Total scheduled monthly payment for open installment loans verified in past 12 months. Note: If monthly payment amount is missing, it will be imputed | int | 0 | 999999999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 3014 | ||||||||||
| 37 | G106S | Months on file | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 551 | ||||||||||
| 38 | US02S | Number of open unsecured installment loans | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 7 | ||||||||||
| 39 | US20S | Months since oldest unsecured installment loan opened | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 185 | ||||||||||
| 40 | US24S | Number of currently open and satisfactory unsecured installment loans 6 months or older. Note: Satisfactory means MOP = 01 | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 5 | ||||||||||
| 41 | US28S | Total loan amount of open unsecured installment loans verified in past 12 months | int | 0 | 999999999 | fixed | 20 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 20 | 39520 | ||||||||||
| 42 | US32S | Maximum current balance owed on open unsecured installment loans verified in past 12 months | int | 0 | 999999999 | fixed | 1 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 1 | 23711 | ||||||||||
| 43 | US35S | Average balance of open unsecured installment loans verified in past 12 months | int | 0 | 999999999 | fixed | 1 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 1 | 12770 | ||||||||||
| 44 | US36S | Months since most recent unsecured installment loan delinquency. Note: Delinquency is defined as 30 days past due or worse | int | 0 | 84 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 76 | ||||||||||
| 45 | SE20S | Months since oldest secured installment loan opened | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 222 | ||||||||||
| 46 | US51A | Terms in months of most recent unsecured installment trade | int | 0 | 999 | fixed | 1 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 1 | 57 | ||||||||||
| 47 | G205B | Total monthly obligation for individual account verified in past 12 months and with a current balance > 0 | int | 0 | 999999999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 3486 | ||||||||||
| 48 | INST_TRD | Number of installment loans | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 132 | ||||||||||
| 49 | RTL_TRD | Number of retail tradelines | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 20 | ||||||||||
| 50 | AGG402 | Total non-mortgage actual payment amount for month 2. AGG401 is the aggregate non-mortgage actual | int | 0 | 999999999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 6795 | ||||||||||
| 51 | AGG403 | Total non-mortgage actual payment amount for month 3. AGG401 is the aggregate non-mortgage actual | int | 0 | 999999999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 7551 | ||||||||||
| 52 | AGG423 | Total non-mortgage actual payment amount for month 23. AGG401 is the aggregate non-mortgage actual | int | 0 | 999999999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 8935 | ||||||||||
| 53 | AGG424 | Total non-mortgage actual payment amount for month 24. AGG401 is the aggregate non-mortgage actual | int | 0 | 999999999 | fixed | 0 | percentile | 0.99 | unk | 1 | -1 | 0 | 0 | 0 | 8931 | ||||||||||
| 54 | AGG903 | This algorithm counts the number of monthly aggregate non-mortgage credit limit increases over the last 3 months. | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 3 | ||||||||||
| 55 | TRV03 | The number of non-mortgage account balance increases from last month to the current month. | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 10 | ||||||||||
| 56 | TRV04 | The number of balance increases for non-mortgage accounts over the last 3 months. Increases are measured on a month-over-month basis for each | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 26 | ||||||||||
| 57 | BALMAG01 | The balance magnitude algorithm measures the degree of aggregate non-mortgage balance change over the last 24 months by considering the balance | int | 0 | 600 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 466 | ||||||||||
| 58 | score_results | TruVision Trended New Account Score 2.0:Risk score focused on new account performance (Bad = 90+ dpd in 24 months) | int | 300 | 850 | fixed | 423 | fixed | 850 | unk | 0 | 1 | -1 | 0 | 0 | 423 | 850 | |||||||||
| 59 | tuseqno_accid | Unique Applicant ID | int | 0 | 1 | 0 | 0 | 0 | 0 | |||||||||||||||||
| 60 | G230S | Number of 60 or more days past due trades (current MOP only) with balance > $0 opened in past 24 months | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 6 | ||||||||||
| 61 | FI02S | Number of open finance installment loans | int | 0 | 999 | fixed | 0 | percentile | 0.99 | unk | 1 | 1 | 0 | 0 | 0 | 9 |