Variable Names Description

Paid as negotiated flag (12-36 Months). String of Good

RiskPerformance and Bad
ExternalRiskEstimate Consolidated version of risk markers
MSinceOldestTradeOpen Months Since Oldest Trade Open
MSinceMostRecentTradeOpenMonths Since Most Recent Trade Open
AverageMInFile Average Months in File
NumSatisfactoryTrades Number Satisfactory Trades
NumTrades60Ever2DerogPubRNumber Trades 60+ Ever
NumTrades90Ever2DerogPubRNumber Trades 90+ Ever
PercentTradesNeverDelq Percent Trades Never Delinquent
MSinceMostRecentDelq Months Since Most Recent Delinquency
MaxDelq2PublicRecLast12M Max Delq/Public Records Last 12 Months. See tab "MaxD
MaxDelqEver Max Delinquency Ever. See tab "MaxDelq" for each cate
NumTotalTrades Number of Total Trades (total number of credit account
NumTradesOpeninLast12M Number of Trades Open in Last 12 Months
PercentInstallTrades Percent Installment Trades
MSinceMostRecentInqexcl7dayMonths Since Most Recent Inq excl 7days
NumInqLast6M Number of Inq Last 6 Months
NumInqLast6Mexcl7days Number of Inq Last 6 Months excl 7days. Excluding the l
NetFractionRevolvingBurden Net Fraction Revolving Burden. This is revolving balance
NetFractionInstallBurden Net Fraction Installment Burden. This is installment ba
NumRevolvingTradesWBalanceNumber Revolving Trades with Balance
NumInstallTradesWBalance Number Installment Trades with Balance
NumBank2NatlTradesWHighUtilNumber Bank/Natl Trades w high utilization ratio
PercentTradesWBalance Percent Trades with Balance

*For a more detailed example of the monotonicity contraint, please see the "challenge rules" page
 Monotonicity Constraint
(with respect to probability
of bad = 1) Role

target
Monotonically Decreasing predictor
Monotonically Decreasing predictor
Monotonically Decreasing predictor
Monotonically Decreasing predictor
Monotonically Decreasing predictor
Monotonically Increasing predictor
Monotonically Increasing predictor
Monotonically Decreasing predictor
Monotonically Decreasing predictor
Values 0-7 are monotonically decrpredictor
Values 2-8 are monotonically decrpredictor
No constraint predictor
Monotonically Increasing predictor
No constraint predictor
Monotonically Decreasing predictor
Monotonically Increasing predictor
Monotonically Increasing predictor
Monotonically Increasing predictor
Monotonically Increasing predictor
No constraint predictor
No constraint predictor
Monotonically Increasing predictor
No constraint predictor

e "challenge rules" page

MaxDelq2PublicRecLast12M
value meaning
0 derogatory comment
1 120+ days delinquent
2 90 days delinquent
3 60 days delinquent
4 30 days delinquent
5, 6 unknown delinquency
7 current and never delinquent
8, 9 all other

MaxDelqEver

value meaning
1 No such value
2 derogatory comment
3 120+ days delinquent
4 90 days delinquent
5 60 days delinquent
6 30 days delinquent
7 unknown delinquency
8 current and never delinquent
9 all other
-9 No Bureau Record or No Investigation
-8 No Usable/Valid Trades or Inquiries
-7 Condition not Met (e.g. No Inquiries, No Delinquencies)