Analytic Dataset (Demo/Sample)

The Analytic Free Dataset contains sample records that represent the full dataset in terms of data types, organization, and fields. Please note that this is not real production data, subscribe to Analytic Dataset full version to get 100% production data.

This dataset provides granular, loan-level data across credit cycles and asset classes, including auto, credit card, mortgage, student loans, and unsecured personal loans to more accurately predict future performance. The full dataset is created from an unbiased ten percent statistical sample of the U.S. credit active population across all geographic boundaries, with historic data starting in 2005.

It provides insights into the credit health and payment performance of U.S. consumers over time and across various economic cycles, enabling investors and other market participants to better model delinquency, default, loss severity and prepayment as well as more accurately value securities.

Fields Included:
- Credit risk score
- Age range
- Geography
- Account type
- Debt balance
- Delinquency status

The Analytic dataset data dictionary can be downloaded from here: https://assets.equifax.com/mkt-legal/Analytic_Dataset_Layout_DaaS.xlsx

Disclaimer: The information in this data set is fictitious, should be treated as such, and should be used only for testing purposes. Information in the data set does not represent any known business or consumer.

搜集汇总

背景与挑战

背景概述

这是一个演示样本数据集，包含模拟的贷款级别数据，涵盖汽车贷款、信用卡等多种资产类别，基于美国10%信用活跃人口的统计样本，历史数据可追溯至2005年。数据集提供信用风险评分、年龄范围等字段，用于分析消费者信用健康和支付表现，支持违约和损失预测等建模用途，但数据为虚构，仅适用于测试目的。