Sold by: Equifax
Deployed on AWS
A free sample data of anonymized consumer loan-level data across credit cycles and asset classes
Overview
The Analytic Free Dataset contains sample records that represent the full dataset in terms of data types, organization, and fields. Please note that this is not real production data, subscribe to Analytic Dataset full version to get 100% production data.
This dataset provides granular, loan-level data across credit cycles and asset classes, including auto, credit card, mortgage, student loans, and unsecured personal loans to more accurately predict future performance. The full dataset is created from an unbiased ten percent statistical sample of the U.S. credit active population across all geographic boundaries, with historic data starting in 2005.
It provides insights into the credit health and payment performance of U.S. consumers over time and across various economic cycles, enabling investors and other market participants to better model delinquency, default, loss severity and prepayment as well as more accurately value securities.
Fields Included:
- Credit risk score
- Age range
- Geography
- Account type
- Debt balance
- Delinquency status
The Analytic dataset data dictionary can be downloaded from here
Use Cases:
Attribution Analysis
Model across asset classed such as auto, credit card, mortgage and unsecured personal loans
Quantitative Analysis
Fixed Income Modeling, Securitization, Valuation of Whole Loan Pools, Regulatory Risk Modeling, CCAR, Macro Economic Analysis, Systemic Equity Trading, Priority of Payments, Analysis of Esoteric Lending, Default and Prepayment Analytics, Demographic Changes, Credit Score Calibration, Loan Servicing and Consumer Credit Trends.
Risk Analysis
Model and predict delinquency, default, loss severity, and prepayment
Disclaimer: The information in this data set is fictitious, should be treated as such, and should be used only for testing purposes. Information in the data set does not represent any known business or consumer.
Details
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Features and programs
Financing for AWS Marketplace purchases
AWS Marketplace now accepts line of credit payments through the PNC Vendor Finance program. This program is available to select AWS customers in the US, excluding NV, NC, ND, TN, & VT.
Pricing
This product is available free of charge. Free subscriptions have no end date and may be canceled any time.
Additional AWS infrastructure costs may apply. Use the AWS Pricing Calculator to estimate your infrastructure costs.
Vendor refund policy
Refunds are not offered for this product.
Legal
Vendor terms and conditions
Upon subscribing to this product, you must acknowledge and agree to the terms and conditions outlined in the vendor's End User License Agreement (EULA) .
Content disclaimer
Vendors are responsible for their product descriptions and other product content. AWS does not warrant that vendors' product descriptions or other product content are accurate, complete, reliable, current, or error-free.
Delivery details
AWS Data Exchange (ADX)
AWS Data Exchange is a service that helps AWS easily share and manage data entitlements from other organizations at scale.
Additional details
You will receive access to the following data sets.
Data set name | Type | Historical revisions | Future revisions | Sensitive information | Data dictionaries | Data samples |
|---|---|---|---|---|---|---|
Analytics Sample | Last 1 revisions | All future revisions | Not included | Not included |
Resources
Vendor resources
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