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Mastering Predictive Analytics with R by Rui Miguel Forte

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Predicting credit scores

In this section, we will explore another data set; this time, in the field of banking and finance. The particular data set in question is known as the German Credit Dataset and is also hosted by the UCI Machine Learning Repository. The link to the data is https://archive.ics.uci.edu/ml/datasets/Statlog+%28German+Credit+Data%29.

The observations in the data set are loan applications made by individuals at a bank. The goal of the data is to determine whether an application constitutes a high credit risk.

Column name

Type

Definition

checking

Categorical

The status of the existing checking account

duration

Numerical

The duration in months

creditHistory

Categorical

The applicant's credit history

purpose

Categorical ...

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