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Copy pathFeatures_Target_Description.txt
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Features_Target_Description.txt
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Internal Data Table
Variable Name Description
--------------------------------------------------------
Total_TL Total trade lines/accounts in Bureau
Tot_Closed_TL Total closed trade lines/accounts
Tot_Active_TL Total active accounts
Total_TL_opened_L6M Total accounts opened in last 6 Months
Tot_TL_closed_L6M Total accounts closed in last 6 months
pct_tl_open_L6M Percent accounts opened in last 6 months
pct_tl_closed_L6M Percent accounts closed in last 6 months
pct_active_tl Percent active accounts
pct_closed_tl Percent closed accounts
Total_TL_opened_L12M Total accounts opened in last 12 Months
Tot_TL_closed_L12M Total accounts closed in last 12 months
pct_tl_open_L12M Percent accounts opened in last 12 months
pct_tl_closed_L12M Percent accounts closed in last 12 months
Tot_Missed_Pmnt Total missed payments
Auto_TL Count of Automobile accounts
CC_TL Count of Credit card accounts
Consumer_TL Count of Consumer goods accounts
Gold_TL Count of Gold loan accounts
Home_TL Count of Housing loan accounts
PL_TL Count of Personal loan accounts
Secured_TL Count of secured accounts
Unsecured_TL Count of unsecured accounts
Other_TL Count of other accounts
Age_Oldest_TL Age of oldest opened account
Age_Newest_TL Age of newest opened account
--------------------------------------------------------
External CIBIL Data Table
Variable Name Description
--------------------------------------------------------
time_since_recent_payment Time since recent payment made
time_since_first_deliquency Time since first delinquency (missed payment)
time_since_recent_deliquency Time since recent delinquency
num_times_delinquent Number of times delinquent
max_delinquency_level Maximum delinquency level
max_recent_level_of_deliq Maximum recent level of delinquency
num_deliq_6mts Number of times delinquent in last 6 months
num_deliq_12mts Number of times delinquent in last 12 months
max_deliq_6mts Maximum delinquency level in last 6 months
max_deliq_12mts Maximum delinquency level in last 12 months
num_times_30p_dpd Number of times 30+ dpd
num_times_60p_dpd Number of times 60+ dpd
num_std Number of standard payments
num_std_6mts Number of standard payments in last 6 months
num_std_12mts Number of standard payments in last 12 months
num_sub Number of substandard payments (not making full payments)
num_sub_6mts Number of substandard payments in last 6 months
num_sub_12mts Number of substandard payments in last 12 months
num_dbt Number of doubtful payments
num_dbt_6mts Number of doubtful payments in last 6 months
num_dbt_12mts Number of doubtful payments in last 12 months
num_lss Number of loss accounts
num_lss_6mts Number of loss accounts in last 6 months
num_lss_12mts Number of loss accounts in last 12 months
recent_level_of_deliq Recent level of delinquency
tot_enq Total enquiries
CC_enq Credit card enquiries
CC_enq_L6m Credit card enquiries in last 6 months
CC_enq_L12m Credit card enquiries in last 12 months
PL_enq Personal Loan enquiries
PL_enq_L6m Personal Loan enquiries in last 6 months
PL_enq_L12m Personal Loan enquiries in last 12 months
time_since_recent_enq Time since recent enquiry
enq_L12m Enquiries in last 12 months
enq_L6m Enquiries in last 6 months
enq_L3m Enquiries in last 3 months
MARITALSTATUS Marital Status
EDUCATION Education level
AGE Age
GENDER Gender
NETMONTHLYINCOME Net Monthly Income
Time_With_Curr_Empr Time with current Employer
pct_of_active_TLs_ever Percent active accounts ever
pct_opened_TLs_L6m_of_L12m Percent accounts opened in last 6 months to last 12 months
pct_currentBal_all_TL Percent current balance of all accounts
CC_utilization Credit card utilization
CC_Flag Credit card Flag
PL_utilization Personal Loan utilization
PL_Flag Personal Loan Flag
pct_PL_enq_L6m_of_L12m Percent enquiries PL in last 6 months to last 12 months
pct_CC_enq_L6m_of_L12m Percent enquiries CC in last 6 months to last 12 months
pct_PL_enq_L6m_of_ever Percent enquiries PL in last 6 months to all-time
pct_CC_enq_L6m_of_ever Percent enquiries CC in last 6 months to all-time
max_unsec_exposure_inPct Maximum unsecured exposure in percent
HL_Flag Housing Loan Flag
GL_Flag Gold Loan Flag
last_prod_enq2 Latest product enquired for
first_prod_enq2 First product enquired for
Credit_Score Applicant's credit score
Approved_Flag Priority levels