Analytic Dataset

Analytic 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. It 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. Analytic Dataset includes an anonymous consumer identifier enabling users to link behavior of the same consumers over time. Analytic dataset enables users to track changes in consumers' mailing address zip codes through time. It also includes a scrambled account number enabling users to link performance of each loan over time. The data is updated monthly with new credit entrants to mirror the credit population. Few of the fields Included: - Credit risk score - Age range - Geography - Account type - Debt balance - Delinquency status - Consumer income score - Inquiries The Analytic dataset data dictionary can be downloaded from here: https://assets.equifax.com/mkt-legal/Analytic_Dataset_Layout_DaaS.xlsx

搜集汇总

背景与挑战

背景概述

Analytic Dataset 是一个基于美国10%信用活跃人口统计样本的贷款级别数据集，涵盖自2005年以来的多种贷款类型和信用指标，每月更新以反映信用人口变化。它支持用户追踪消费者信用行为随时间的变化，用于预测违约、损失和预付等风险，辅助投资决策和证券估值。