creditdata: Credit Default Data
In LinRegInteractive: Interactive Interpretation of Linear Regression Models

Description Usage Format Source References Examples

Stratified sample of 1,000 credit receivers (in the following cr) from a private bank in southern Germany. The data were sampled at the end of the 1970s, therefore the credit amount is given in DEM (1.95583 DEM = 1 EUR).

1	data("creditdata")

A data frame with 1,000 observations on the following 21 variables.

credit: Factor with levels "good" (no problems occur in redemption) and "bad" (problems occur in redemption).
amount: Credit amount in DEM (numeric).
duration: Duration of lent term in months (numeric).
age: Age of the cr in years (numeric).
addcredit: Has the cr additional credits at other vendors? Ordered factor with levels "none" (no additional credits), "bank" (at other banks) and "bargain" (at other vendors than banks).
asset: Most valuable asset of the cr. Ordered factor with levels "none" (no valuable assets), "car" (car), "savings" (savings) and "prop" (freehold property).
bail: Bailsman available? Ordered factor with levels "none" (no bailsmen), "applicant" (bailsman is additional applicant for the credit) and "yes" (external bailsman).
curacc: Current account of the cr. Ordered factor with levels "none" (no account), "debit" (account with dedit balance), "credit" (account with credit balance) and "wage" (account with periodical income).
empldur: Duration of employment of the cr at the current employer. Ordered factor with levels "none" (unemployed), "max1y" (less than 1 year), "max4y" (between 1 and 4 years), "max7y" (between 4 and 7 years) and "min7y" (more than 7 years).
housdur: For which period does the cr lives in current housing? Ordered factor with levels "max1y" (less than 1 year), "max4y" (between 1 and 4 years), "max7y" (between 4 and 7 years) and "min7y" (more than 7 years).
housing: Accommodation of the cr. Ordered factor with levels "social" (social accommodation), "rent" (rented accommodation) and "freehold" (freehold accommodation).
immigrant: Factor: Is the cr an immigrant?
installment: Monthly installment in % of disposable income. Ordered factor with levels "max20" (installment is less than 20% of disposable income), "max25" (installment is more than 20% and less than 25% of disposable income), "max35" (installment is more than 25% and less than 35% of disposable income) and "min35" (installment is more than 35% of disposable income).
intuse: Intended usage for the credit. Factor with levels "car-new" (buy a new car), "car-old" (buy an used car), "fittings" (buy fittings), "hifi" (buy radio or TV), "holiday" (pay a holiday), "househ" (buy new household items), "misc" (miscellaneous activities), "qualif" (pay a new qualification), "repair" (repair something) and "retrain" (pay a retrain).
job: Employment status of the cr. Ordered factor with levels "none" (unemployed), "unskilled" (unskilled worker), "medium" (intermediate position) and "higher" (leading position).
martsex: Martial status and sex of the cr. Factor with levels "f-div-m-sing" (female-divorced and male-single), "f-sing" (female-single), "m-div" (male-divorced) and "m-mar" (male-married).
moral: Payment moral of the cr. Factor with levels "alright" (no problems with credits in the past at the bank), "critical" (further credits at other banks or problems with account management), "none" (no credits previously or fully paid back), "yetalright" (no problems with current credits at the bank so far) and "problems" (problems with credits in the past).
pers: Number of persons who are entitled to maintenance from cr. Ordered factor with levels "max2" (up to 2) and "min3" (more than 2).
prevcred: Number of previous credits of the cr at the bank (including the actual). Ordered factor with levels "max1" (1 credit), "max3" (between 2 and 3), "max5" (between 4 and 5) and "min6" (6 or more).
savacc: Savings account of the cr. Ordered factor with levels "none" (no savings account), "max1h" (savings account with a balance up to 100 DEM), "max5h" (savings account with a balance between 100 DEM and 500 DEM), "max1t" (savings account with a balance between 500 DEM and 1.000 DEM) and "min1t" (savings account with a balance greater than 1,000 DEM).
teleph: Factor: Has the cr a landline?

https://doi.org/10.5282/ubm/data.23

Fahrmeir, L., Hamerle, A., Tutz, G. (1996): Multivariate statistische Verfahren, 2nd edition. Berlin: de Gruyter. 390 ff.

Fahrmeir, L., Kneib, T., Lang, S., Marx, B. (2013): Regression: Models, Methods and Applications. Berlin: Springer.

Open Data LMU (2010): Kreditscoring zur Klassifikation von Kreditnehmern.

data("creditdata")
print(summary(creditdata))

par(ask=TRUE)
plot(credit ~ amount, data=creditdata)
plot(credit ~ duration, data=creditdata)
plot(credit ~ age, data=creditdata)
plot(credit ~ housing, data=creditdata)
plot(credit ~ intuse, data=creditdata)
plot(credit ~ teleph, data=creditdata)
par(ask=FALSE)