Eligibility_Validation_Report_Model_for_Borrowing_Money_From_Bank

Introduction

• In simple terms, borrowing money from a bank is simply the same as obtaining a loan.

• A Loan is the sum of money that you borrow from the bank or lending financial institution in order to meet needs. These needs could result from planned or unplanned events, and by borrowing, you incur a debt that you have to pay within the agreed duration on your contract.

Creator: Anandan Raju

• Credit Scores plays a crucial role in borrowing money from a bank.

• Lowering credit scores is very easy, but raising credit scores is very difficult. So you should always pay attention to your credit score so that it doesn't fall.

• We buy daily necessities, buy houses, eat food, date and invest. You should know how to manage your credit score wisely.

Objective

• What will affect your credit score?
• Who can borrow money from a bank and use a credit card? Let's find out.

Models Used in this Project :

1. Random Forest Classifier
2. Decision Tree Classifier
3. Extra Tree Classifier
4. Bagging Classifier
5. Extra Trees Classifier

Table of Contents

1. Import Libraries

2. Checking Data Set

3. Exploratory Data Analysis

   • Month Vs Credit Score
   • Age Vs Credit Score
   • Occupation Vs Credit Score
   • Annual Income Vs Credit Score
   • Number of Bank Accounts Vs Credit Score
   • Number of Credit Card Vs Credit Score
   • Interest Rate Vs Credit Score
   • Number of Loan Vs Credit Score
   • Delay from Due Date Vs Credit Score
   • Number of Delayed Payment Vs Credit Score
   • Number of Credit Card Inquiries Vs Credit Score
   • Credit Mix Vs Credit Score
   • Payment of Minimum Amount Vs Credit Score
   • Payment Behaviours Vs Credit Score
   • Monthly Balance Vs Credit Score
   • Monthly Inhand Salary Vs Credit Score

4. Model Analysis

   • Test Data Prediction

5. Predicted Credit Score Dependencies

   • Good Credit Score Occupation
   • Standard Credit Score Occupation
   • Poor Credit Score Occupation
   • Payment Behaviour by Credit Score
   • Good Credit Score Payment Behaviour
   • Standard Credit Score Payment Behaviour
   • Poor Credit Score Payment Behaviour
   • Number of Payment of Minimum Amount by Credit Score
   • Good Credit Score Payment of Min Amount
   • Standard Score Payment of Min Amount
   • Poor Credit Score Payment of Min Amount
   • Total EMI Per Month vs Credit Score
   • Outstanding Debt Vs Credit Score

6. Confusion Matrix

7. Cross Validation

   • Can I Borrow Money from the Banks?
   • By Age Range - Can I borrow money from the banks?
   • By Number of Credit Card - Can I borrow money from the banks?

8. Summary