Machine Learning Model

to predict credit card defaulting

Based on 4 SKlearn Regression Models

Github Repository


Teammates

  • Abulla Othow Othuw
  • Alexandra Boonsook
  • Farai Mungofa
  • Shanakay Brandford
  • Stephen Wang

Libraries & Web Framework We Used

  • core ML Library: sklearn (4 regression models)
  • other python Libraries: pandas, pymango, seaborns
  • HTML/CSS/Javascript: Bootstrap, jQuery, d3.js, plotly.js
  • Database: MySQL
  • Server: Amazon Web Service (AWS)

Let's Talk about Data


Data Columns

Name Description
ID ID of each client
LIMIT_BAL Amount of given credit in NT dollars (includes individual and family/supplementary credit)
SEX Gender (1=male, 2=female)
EDUCATION (1=graduate school, 2=university, 3=high school, 4=others, 5=unknown, 6=unknown)
MARRIAGE Marital status (1=married, 2=single, 3=others)
AGE Age in years
PAY_0 Repayment status in September, 2005 (-2=no consumption, -1=pay duly, 0=the use of revolving credit, 1=payment delay for one month, 2=payment delay for two months, … 8=payment delay for eight months, 9=payment delay for nine months and above)
PAY_2 Repayment status in August, 2005 (scale same as above)
PAY_3 Repayment status in July, 2005 (scale same as above)
PAY_4 Repayment status in June, 2005 (scale same as above)
PAY_5 Repayment status in May, 2005 (scale same as above)
PAY_6 Repayment status in April, 2005 (scale same as above)
BILL_AMT1 Amount of bill statement in September, 2005 (NT dollar)
BILL_AMT2 Amount of bill statement in August, 2005 (NT dollar)
BILL_AMT3 Amount of bill statement in July, 2005 (NT dollar)
BILL_AMT4 Amount of bill statement in June, 2005 (NT dollar)
BILL_AMT5 Amount of bill statement in May, 2005 (NT dollar)
BILL_AMT6 Amount of bill statement in April, 2005 (NT dollar)
PAY_AMT1 Amount of previous payment in September, 2005 (NT dollar)
PAY_AMT2 Amount of previous payment in August, 2005 (NT dollar)
PAY_AMT3 Amount of previous payment in July, 2005 (NT dollar)
PAY_AMT4 Amount of previous payment in June, 2005 (NT dollar)
PAY_AMT5 Amount of previous payment in May, 2005 (NT dollar)
PAY_AMT6 Amount of previous payment in April, 2005 (NT dollar)
default.payment.next.month Default payment (1=yes, 0=no)

Take a glance

age bill_amt1 bill_amt2 bill_amt3 bill_amt4 bill_amt5 bill_amt6 default grad_school high_school limit_bal male married pay_1 pay_2 pay_3 pay_4 pay_5 pay_6 pay_amt1 pay_amt2 pay_amt3 pay_amt4 pay_amt5 pay_amt6 university
0 24 3913 3102 689 0 0 0 1 0 0 20000 0 1 2 2 0 0 0 0 0 689 0 0 0 0 1
1 26 2682 1725 2682 3272 3455 3261 1 0 0 120000 0 0 0 2 0 0 0 2 0 1000 1000 1000 0 2000 1
10 34 11073 9787 5535 2513 1828 3731 0 0 1 200000 0 0 0 0 2 0 0 0 2306 12 50 300 3738 66 0
100 32 672 10212 850 415 100 1430 0 1 0 140000 1 0 0 0 0 0 0 0 10212 850 415 100 1430 0 0
1000 29 94453 95860 67782 -2618 95748 101299 0 0 0 100000 1 1 0 0 0 0 0 0 3320 5000 0 100000 7186 0 1

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