MDR = Number of derogator reports

Acc = Credit card application accpeted (1=yes)

Age = Age in years + 12ths of a year

Income = Income divided by 10,000

Avgexp = Avg. monthly credit card expenditure

Ownrent = Indiviual owns(1) or rents(0) home

Selfempl = (1=yes, 0=no)

