Table 1: Variables of the dataset.

Number Variables

1 Year of birth
2 Number of children
3 Number of other dependents
4 Is there a home phone
5 Applicant’s income
6 Applicant’s employment status
7 Spouse’s income
8 Residential status
9 Value of home
10 Mortgage balance outstanding
11 Outgoings on mortgage or rent
12 Outgoings on loans
13 Outgoings on hire purchase
14 Outgoings on credit cards