|
Variable
|
Description
|
|
ACCTNO
|
Unique Account Number
|
|
AGEAVG
|
Average age of trades in months
|
|
AGEOTD
|
Age of oldest trade in months (how long ago did the person get
his first ever credit of any kind?)
|
|
AUUTIL
|
Ratio of Balance to High Credit for all open Auto loans
|
|
BAD
|
Status of customer: 1 = Bad (charged off), 0=Good (not charged
off)
|
|
BKTIME
|
Time since last bankruptcy in months
|
|
BRHS2X
|
Number of Bank Revolving Trades (credit cards) ever 30 days
past due
|
|
BRHS3X
|
Number of Bank Revolving Trades (credit cards) ever 60 days
past due
|
|
BRHS4X
|
Number of Bank Revolving Trades (credit cards) ever 90 days
past due
|
|
BRHS5X
|
Number of Bank Revolving Trades (credit cards) ever 120+ days
past due
|
|
BROLDT
|
Age of oldest bank revolving trade in months (how long ago did
the person get his first ever revolving credit?)
|
|
BROPEN
|
Number of open Bank Revolving Trades
|
|
BRTRDS
|
Number of Bank Revolving Trades (including closed accounts)
|
|
BSRETL
|
Base Retail Value of the vehicle
|
|
BSWHOL
|
Base Wholesale Value of the vehicle
|
|
CBTYPE
|
Credit Bureau Type (1 =
Record with Trades; 2 = Record w/Inqs.
and Pub Recs Only; 3 =
Record w/Inqs. Only; 4 =
Record w/Pub Recs Only; 5 =
No Record)
|
|
CFTRDS
|
Number of Finance Trades
|
|
CONTPR
|
Contract Price paid for vehicle
|
|
CURSAT
|
Number of trades currently rated satisfactory (never been
delinquent)
|
|
DWNPMT
|
Vehicle down payment
|
|
GOOD
|
Status of customer: 0 = Bad (charged off), 1=Good (not charged
off) [same information as variable BAD]
|
|
HSATRT
|
Ratio of Satisfactory trades (never delinquent) to total
number of trades
|
|
INQ012
|
Number of inquiries in the last 12 months
|
|
MAKE
|
Make of the vehicle
|
|
MILEAG
|
Mileage on the vehicle at the time of purchase
|
|
MNGPAY
|
Customer's monthly gross salary
|
|
MODEL
|
Model of the vehicle
|
|
NEWUSE
|
New or Used indicator
|
|
NTTRIN
|
Net trade-in value of customer's old vehicle
|
|
PUBREC
|
Number of derogatory public records
|
|
TERM
|
Term of the loan - typically 36, 48, 60 months
|
|
TOTBAL
|
Total balance due on all trades
|
|
TRADES
|
Total number of trades (all financial contracts in custormer's credit history)
|
|
VAGE
|
Customer Age in years
|
|
VDDASAV
|
Checking/Savings accounts [DDA = checking account]
|
|
VJOBMOS
|
Number of months the customer has been on the current job
|
|
VRESMOS
|
Number of months the customer has been at the current
residence
|