Codelist
Var. #	Variable Name	Description	Variable Type	Code Description

1.	OBS#	Observation No.	Categorical	
2.	CHK_ACCT	Checking account status	Categorical	0 : < 0 DM; 1:  0 < ...< 200 DM; 2 : => 200 DM; 3:  unknown
3.	DURATION	Duration of credit in months	Numerical	
4.	HISTORY	Credit history	Categorical	0: no credits taken; 1: all credits at this bank paid back duly; 2: existing credits paid back duly till now; 3: delay in paying off in the past; 4: critical account  
5.	NEW_CAR	Purpose of credit	Binary	car (new)   0: No, 1: Yes
6.	USED_CAR	Purpose of credit	Binary	car (used)    0: No, 1: Yes
7.	FURNITURE	Purpose of credit	Binary	furniture/equipment    0: No, 1: Yes
8.	RADIO/TV	Purpose of credit	Binary	radio/television    0: No, 1: Yes
9.	EDUCATION	Purpose of credit	Binary	education    0: No, 1: Yes
10.	RETRAINING	Purpose of credit	Binary	retraining    0: No, 1: Yes
11.	AMOUNT	Credit amount	Numerical	
12.	SAV_ACCT	Average balance in savings account	Categorical	0 : <  100 DM; 1 : 100<= ... <  500 DM; 2 : 500<= ... < 1000 DM; 3 : =>1000 DM; 4 :   unknown
13.	EMPLOYMENT	Present employment since	Categorical	0 : unemployed; 1:  < 1 year; 2 : 1 <= ... < 4 years; 3 : 4 <=... < 7 years; 4 : >= 7 years
14.	INSTALL_RATE	Installment rate as % of disposable income	Numerical	
15.	MALE_DIV	Applicant is male and divorced	Binary	 0: No, 1: Yes
16.	MALE_SINGLE	Applicant is male and single	Binary	 0: No, 1: Yes
17.	MALE_MAR	Applicant is male and married or a widower	Binary	 0: No, 1: Yes
18.	CO-APPLICANT	Application has a co-applicant	Binary	 0: No, 1: Yes
19.	GUARANTOR	Applicant has a guarantor	Binary	 0: No, 1: Yes
20.	TIME_RES	Present resident since - years	Categorical	0: <= 1 year; 1<…<=2 years; 2<…<=3 years; 3:>4years
21.	REAL_ESTATE	Applicant owns real estate	Binary	 0: No, 1: Yes
22.	PROP_NONE	Applicant owns no property (or unknown)	Binary	 0: No, 1: Yes
23.	AGE	Age in years	Numerical	
24.	OTHER_INSTALL	Applicant has other installment plan credit	Binary	 0: No, 1: Yes
25.	RENT	Applicant rents 	Binary	 0: No, 1: Yes
26.	OWN_RES	Applicant owns residence	Binary	 0: No, 1: Yes
27.	NUM_CREDITS	Number of existing credits at this bank	Numerical	
28.	JOB	Nature of job	Categorical	0 : unemployed/ unskilled  - non-resident; 1 : unskilled - resident; 2 : skilled employee / official; 3 : management/ self-employed/highly qualified employee/ officer
29.	NUM_DEPEND	Number of people for whom liable to provide maintenance	Numerical	
30.	TELEPHONE	Applicant has phone in his or her name	Binary	 0: No, 1: Yes
31.	FOREIGN	Foreign worker	Binary	 0: No, 1: Yes
32	RESPONSE	Credit rating is good	Binary	 0: No, 1: Yes