Account ID,Date,Risk Score,Risk Category,Initial Loan Amount,Installment Amount,Monthly Payments,Interest rate (%),Outstanding Balance,Payment Date,Payment Due Date,Payment Behaviour,Delinquency Bucket,Delinquency Status,Recommended Risk Action,Top Contributors
CUST0001,2025-02-28,759,Low Risk,355243,19739,2679,15.55,357167,2024-07-12,2024-07-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.01}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Month on Book"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.0}]"
CUST0001,2025-03-31,692,Low Risk,355243,19739,0,16.48,362072,,2024-08-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.19}, {""feature"": ""Month on Book"", ""value"": -0.15}, {""feature"": ""Payment Ratio"", ""value"": -0.12}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}, {""feature"": ""Credit Utilization"", ""value"": -0.08}]"
CUST0001,2025-04-30,89,High Risk,355243,19739,2535,16.18,364419,2024-09-08,2024-09-08,On Time,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.08}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}, {""feature"": ""Credit Utilization"", ""value"": 0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.03}]"
CUST0001,2025-05-31,223,High Risk,355243,19739,0,15.47,369117,,2024-10-08,Non Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.5}, {""feature"": ""Month on Book"", ""value"": 0.4}, {""feature"": ""Time since last delinquency"", ""value"": 0.32}, {""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.2}]"
CUST0001,2025-06-30,27,High Risk,355243,19739,0,16.12,374075,,2024-11-08,Non Payer,150+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.59}, {""feature"": ""Credit Utilization"", ""value"": 0.47}, {""feature"": ""Payment Ratio"", ""value"": 0.38}, {""feature"": ""Month on Book"", ""value"": 0.3}, {""feature"": ""Time since last delinquency"", ""value"": 0.24}]"
CUST0001,2025-07-31,429,Medium Risk,355243,19739,0,15.44,378888,,2024-12-08,Non Payer,30+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": -0.27}, {""feature"": ""Time since last delinquency"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Payment Ratio"", ""value"": -0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.11}]"
CUST0001,2025-08-31,284,High Risk,355243,19739,3615,16.62,380521,2025-02-01,2025-01-08,Irregular Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.56}, {""feature"": ""Time since last delinquency"", ""value"": 0.45}, {""feature"": ""Credit Utilization"", ""value"": 0.36}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Month on Book"", ""value"": 0.23}]"
CUST0001,2025-09-28,714,Low Risk,355243,19739,4527,15.85,381020,2025-02-12,2025-02-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.56}, {""feature"": ""Credit Utilization"", ""value"": 0.45}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.36}, {""feature"": ""Payment Ratio"", ""value"": 0.29}, {""feature"": ""Month on Book"", ""value"": 0.23}]"
CUST0001,2025-10-31,980,Low Risk,355243,19739,7224,16.53,379045,2025-03-10,2025-03-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.16}, {""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Payment Ratio"", ""value"": -0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.08}, {""feature"": ""Month on Book"", ""value"": -0.07}]"
CUST0001,2025-11-30,99,High Risk,355243,19739,5333,15.72,378677,2025-04-27,2025-04-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.11}, {""feature"": ""Time since last delinquency"", ""value"": 0.09}, {""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.06}, {""feature"": ""Payment Ratio"", ""value"": 0.05}]"
CUST0001,2025-12-31,826,Low Risk,355243,19739,0,15.09,383439,,2025-05-08,Non Payer,30+ DPD,Delinquent,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.24}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.19}, {""feature"": ""Payment Ratio"", ""value"": 0.15}, {""feature"": ""Credit Utilization"", ""value"": 0.12}, {""feature"": ""Time since last delinquency"", ""value"": 0.1}]"
CUST0001,2026-01-31,549,Medium Risk,355243,19739,5803,15.25,315689,2025-06-10,2025-06-08,On Time,0-30,Current,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.08}, {""feature"": ""Credit Utilization"", ""value"": -0.06}, {""feature"": ""Time since last delinquency"", ""value"": -0.05}, {""feature"": ""Payment Ratio"", ""value"": -0.04}, {""feature"": ""Month on Book"", ""value"": -0.03}]"
CUST0002,2025-02-28,906,Low Risk,454846,37039,0,16.72,461183,,2024-07-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.48}, {""feature"": ""Month on Book"", ""value"": 0.38}, {""feature"": ""Time since last delinquency"", ""value"": 0.31}, {""feature"": ""Payment Ratio"", ""value"": 0.25}, {""feature"": ""Credit Utilization"", ""value"": 0.2}]"
CUST0002,2025-03-31,196,High Risk,454846,37039,4733,16.41,462757,2024-08-29,2024-08-08,Irregular Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.12}, {""feature"": ""Payment Ratio"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}]"
CUST0002,2025-04-30,791,Low Risk,454846,37039,4814,15.58,463951,2024-10-05,2024-09-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.31}, {""feature"": ""Credit Utilization"", ""value"": -0.25}, {""feature"": ""Payment Ratio"", ""value"": -0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}]"
CUST0002,2025-05-31,887,Low Risk,454846,37039,6977,15.2,462851,2024-10-22,2024-10-08,Irregular Payer,90+ DPD,Delinquent,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.18}, {""feature"": ""Month on Book"", ""value"": 0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}, {""feature"": ""Credit Utilization"", ""value"": 0.09}]"
CUST0002,2025-06-30,166,High Risk,454846,37039,5374,15.74,463548,2024-11-29,2024-11-08,Irregular Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.35}, {""feature"": ""Credit Utilization"", ""value"": -0.28}, {""feature"": ""Time since last delinquency"", ""value"": -0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.14}]"
CUST0002,2025-07-31,718,Low Risk,454846,37039,3803,16.87,466261,2024-12-27,2024-12-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.32}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.26}, {""feature"": ""Time since last delinquency"", ""value"": -0.2}, {""feature"": ""Credit Utilization"", ""value"": -0.16}, {""feature"": ""Month on Book"", ""value"": -0.13}]"
CUST0002,2025-08-31,546,Medium Risk,454846,37039,7216,16.46,465441,2025-01-22,2025-01-08,Irregular Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}, {""feature"": ""Month on Book"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}, {""feature"": ""Credit Utilization"", ""value"": 0.04}]"
CUST0002,2025-09-28,276,High Risk,454846,37039,0,16.98,472027,,2025-02-08,Non Payer,240+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.37}, {""feature"": ""Month on Book"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.19}, {""feature"": ""Time since last delinquency"", ""value"": 0.15}]"
CUST0002,2025-10-31,224,High Risk,454846,37039,1525,16.37,476941,2025-03-15,2025-03-08,Late Payer,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.11}, {""feature"": ""Month on Book"", ""value"": -0.09}, {""feature"": ""Payment Ratio"", ""value"": -0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}]"
CUST0002,2025-11-30,824,Low Risk,454846,37039,4456,15.63,478697,2025-04-10,2025-04-08,On Time,30+ DPD,Delinquent,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.31}, {""feature"": ""Month on Book"", ""value"": 0.25}, {""feature"": ""Payment Ratio"", ""value"": 0.2}, {""feature"": ""Credit Utilization"", ""value"": 0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.13}]"
CUST0002,2025-12-31,935,Low Risk,454846,37039,9179,16.89,476256,2025-05-14,2025-05-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.59}, {""feature"": ""Month on Book"", ""value"": 0.47}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.38}, {""feature"": ""Credit Utilization"", ""value"": 0.3}, {""feature"": ""Payment Ratio"", ""value"": 0.24}]"
CUST0002,2026-01-31,405,Medium Risk,424846,37039,39000,16.77,354657,,2025-06-08,Irregular Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.16}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Time since last delinquency"", ""value"": 0.1}, {""feature"": ""Credit Utilization"", ""value"": 0.08}]"
CUST0003,2025-02-28,252,High Risk,94905,6002,0,16.49,96209,,2024-07-08,Non Payer,210+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.25}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Month on Book"", ""value"": 0.1}]"
CUST0003,2025-03-31,269,High Risk,94905,6002,7543,16.49,89988,2024-09-05,2024-08-08,Irregular Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.51}, {""feature"": ""Payment Ratio"", ""value"": 0.41}, {""feature"": ""Month on Book"", ""value"": 0.33}, {""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.21}]"
CUST0003,2025-04-30,370,Medium Risk,94905,6002,9085,15.44,82061,2024-09-24,2024-09-08,Irregular Payer,60+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": 0.05}, {""feature"": ""Payment Ratio"", ""value"": 0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.03}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}]"
CUST0003,2025-05-31,93,High Risk,94905,6002,3621,16.51,79569,2024-10-12,2024-10-08,Late Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.35}, {""feature"": ""Time since last delinquency"", ""value"": 0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.18}, {""feature"": ""Month on Book"", ""value"": 0.14}]"
CUST0003,2025-06-30,811,Low Risk,94905,6002,0,16.36,80653,,2024-11-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.12}, {""feature"": ""Month on Book"", ""value"": 0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.08}, {""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Time since last delinquency"", ""value"": 0.05}]"
CUST0003,2025-07-31,65,High Risk,94905,6002,0,15.77,81713,,2024-12-08,Non Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}]"
CUST0003,2025-08-31,479,Medium Risk,94905,6002,0,16.06,82807,,2025-01-08,Non Payer,120+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": -0.25}, {""feature"": ""Month on Book"", ""value"": -0.2}, {""feature"": ""Time since last delinquency"", ""value"": -0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.13}, {""feature"": ""Credit Utilization"", ""value"": -0.1}]"
CUST0003,2025-09-28,881,Low Risk,94905,6002,9797,16.88,74175,2025-03-01,2025-02-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.44}, {""feature"": ""Month on Book"", ""value"": 0.35}, {""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Time since last delinquency"", ""value"": 0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}]"
CUST0003,2025-10-31,768,Low Risk,94905,6002,5808,15.53,69327,2025-03-11,2025-03-08,On Time,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}, {""feature"": ""Payment Ratio"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Month on Book"", ""value"": 0.02}]"
CUST0003,2025-11-30,445,Medium Risk,94905,6002,5315,15.32,64897,2025-05-01,2025-04-08,Irregular Payer,30+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.47}, {""feature"": ""Time since last delinquency"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Month on Book"", ""value"": 0.19}]"
CUST0003,2025-12-31,995,Low Risk,94905,6002,2743,16.0,63019,2025-05-24,2025-05-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.52}, {""feature"": ""Credit Utilization"", ""value"": 0.42}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.33}, {""feature"": ""Month on Book"", ""value"": 0.27}, {""feature"": ""Time since last delinquency"", ""value"": 0.21}]"
CUST0003,2026-01-31,891,Low Risk,94905,6002,8452,16.25,63872,,2025-06-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.56}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.45}, {""feature"": ""Month on Book"", ""value"": 0.36}, {""feature"": ""Payment Ratio"", ""value"": 0.29}, {""feature"": ""Time since last delinquency"", ""value"": 0.23}]"
CUST0004,2025-02-28,382,Medium Risk,339275,20338,0,16.53,343948,,2024-07-08,Non Payer,90+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": -0.25}, {""feature"": ""Credit Utilization"", ""value"": -0.2}, {""feature"": ""Month on Book"", ""value"": -0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.13}, {""feature"": ""Payment Ratio"", ""value"": -0.1}]"
CUST0004,2025-03-31,976,Low Risk,339275,20338,0,16.56,348695,,2024-08-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.53}, {""feature"": ""Time since last delinquency"", ""value"": 0.42}, {""feature"": ""Month on Book"", ""value"": 0.34}, {""feature"": ""Payment Ratio"", ""value"": 0.27}, {""feature"": ""Credit Utilization"", ""value"": 0.22}]"
CUST0004,2025-04-30,940,Low Risk,339275,20338,1319,15.0,351734,2024-09-23,2024-09-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.27}, {""feature"": ""Time since last delinquency"", ""value"": -0.22}, {""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Month on Book"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.11}]"
CUST0004,2025-05-31,114,High Risk,339275,20338,1949,16.86,354727,2024-10-15,2024-10-08,Late Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.17}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Month on Book"", ""value"": -0.11}, {""feature"": ""Credit Utilization"", ""value"": -0.09}, {""feature"": ""Payment Ratio"", ""value"": -0.07}]"
CUST0004,2025-06-30,246,High Risk,339275,20338,8962,16.76,350719,2024-11-10,2024-11-08,On Time,180+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.07}, {""feature"": ""Payment Ratio"", ""value"": 0.06}, {""feature"": ""Month on Book"", ""value"": 0.05}, {""feature"": ""Time since last delinquency"", ""value"": 0.04}]"
CUST0004,2025-07-31,835,Low Risk,339275,20338,0,15.14,355144,,2024-12-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}, {""feature"": ""Time since last delinquency"", ""value"": 0.12}, {""feature"": ""Credit Utilization"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}]"
CUST0004,2025-08-31,784,Low Risk,339275,20338,0,15.25,359658,,2025-01-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.59}, {""feature"": ""Credit Utilization"", ""value"": 0.47}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.38}, {""feature"": ""Payment Ratio"", ""value"": 0.3}, {""feature"": ""Time since last delinquency"", ""value"": 0.24}]"
CUST0004,2025-09-28,969,Low Risk,339275,20338,7932,16.1,356551,2025-02-24,2025-02-08,Irregular Payer,210+ DPD,Delinquent,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.05}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}, {""feature"": ""Credit Utilization"", ""value"": -0.03}, {""feature"": ""Payment Ratio"", ""value"": -0.03}, {""feature"": ""Month on Book"", ""value"": -0.02}]"
CUST0004,2025-10-31,987,Low Risk,339275,20338,0,15.42,361133,,2025-03-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.35}, {""feature"": ""Credit Utilization"", ""value"": 0.28}, {""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.18}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}]"
CUST0004,2025-11-30,773,Low Risk,339275,20338,6107,16.46,359979,2025-04-30,2025-04-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.19}, {""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Credit Utilization"", ""value"": -0.08}]"
CUST0004,2025-12-31,408,Medium Risk,339275,20338,9479,16.99,355597,2025-05-22,2025-05-08,Irregular Payer,240+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.49}, {""feature"": ""Month on Book"", ""value"": 0.39}, {""feature"": ""Time since last delinquency"", ""value"": 0.31}, {""feature"": ""Credit Utilization"", ""value"": 0.25}, {""feature"": ""Payment Ratio"", ""value"": 0.2}]"
CUST0004,2026-01-31,462,Medium Risk,339275,20338,6539,15.24,353574,2025-06-10,2025-06-08,On Time,180+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.57}, {""feature"": ""Month on Book"", ""value"": 0.46}, {""feature"": ""Credit Utilization"", ""value"": 0.36}, {""feature"": ""Payment Ratio"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}]"
CUST0005,2025-02-28,235,High Risk,31028,2464,1964,16.18,29482,2024-07-10,2024-07-08,On Time,60+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.34}, {""feature"": ""Time since last delinquency"", ""value"": -0.27}, {""feature"": ""Payment Ratio"", ""value"": -0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.14}]"
CUST0005,2025-03-31,234,High Risk,31028,2464,6413,15.13,23441,2024-09-04,2024-08-08,Irregular Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.37}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Payment Ratio"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.15}]"
CUST0005,2025-04-30,72,High Risk,31028,2464,8953,16.03,14801,2024-09-29,2024-09-08,Irregular Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}, {""feature"": ""Payment Ratio"", ""value"": 0.01}, {""feature"": ""Month on Book"", ""value"": 0.01}]"
CUST0005,2025-05-31,219,High Risk,31028,2464,0,16.08,14999,,2024-10-08,Non Payer,240+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.42}, {""feature"": ""Time since last delinquency"", ""value"": 0.34}, {""feature"": ""Payment Ratio"", ""value"": 0.27}, {""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.17}]"
CUST0005,2025-06-30,590,Medium Risk,31028,2464,0,15.95,15198,,2024-11-08,Non Payer,0-30,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.34}, {""feature"": ""Payment Ratio"", ""value"": 0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.17}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}]"
CUST0005,2025-07-31,826,Low Risk,31028,2464,8062,15.81,7337,2024-12-11,2024-12-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.11}, {""feature"": ""Month on Book"", ""value"": -0.09}, {""feature"": ""Credit Utilization"", ""value"": -0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}, {""feature"": ""Time since last delinquency"", ""value"": -0.05}]"
CUST0005,2025-08-31,362,Medium Risk,31028,2464,0,15.85,7434,,2025-01-08,Non Payer,150+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": 0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}, {""feature"": ""Credit Utilization"", ""value"": 0.05}]"
CUST0005,2025-09-28,884,Low Risk,31028,2464,7596,16.46,0,2025-02-09,2025-02-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.0}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.0}, {""feature"": ""Month on Book"", ""value"": -0.0}, {""feature"": ""Time since last delinquency"", ""value"": -0.0}, {""feature"": ""Payment Ratio"", ""value"": -0.0}]"
CUST0005,2025-10-31,745,Low Risk,31028,2464,4139,15.68,0,2025-03-15,2025-03-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.14}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}]"
CUST0005,2025-11-30,194,High Risk,31028,2464,4006,16.07,0,2025-04-21,2025-04-08,Irregular Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.37}, {""feature"": ""Time since last delinquency"", ""value"": 0.3}, {""feature"": ""Month on Book"", ""value"": 0.24}, {""feature"": ""Payment Ratio"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}]"
CUST0005,2025-12-31,285,High Risk,31028,2464,2604,15.93,0,2025-05-22,2025-05-08,Irregular Payer,150+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.41}, {""feature"": ""Time since last delinquency"", ""value"": 0.33}, {""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.21}, {""feature"": ""Payment Ratio"", ""value"": 0.17}]"
CUST0005,2026-01-31,51,High Risk,31028,2464,0,16.3,29648,,2025-06-08,Non Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.57}, {""feature"": ""Credit Utilization"", ""value"": 0.46}, {""feature"": ""Time since last delinquency"", ""value"": 0.36}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.23}]"
CUST0006,2025-02-28,95,High Risk,458319,23254,7658,16.85,457096,2024-07-13,2024-07-08,Late Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.15}, {""feature"": ""Credit Utilization"", ""value"": 0.12}, {""feature"": ""Payment Ratio"", ""value"": 0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.08}, {""feature"": ""Month on Book"", ""value"": 0.06}]"
CUST0006,2025-03-31,497,Medium Risk,458319,23254,1960,15.96,461215,2024-09-05,2024-08-08,Irregular Payer,90+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": -0.33}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.26}, {""feature"": ""Time since last delinquency"", ""value"": -0.21}, {""feature"": ""Month on Book"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.14}]"
CUST0006,2025-04-30,168,High Risk,458319,23254,8454,15.76,458819,2024-09-16,2024-09-08,Late Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.4}, {""feature"": ""Credit Utilization"", ""value"": 0.32}, {""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.2}, {""feature"": ""Month on Book"", ""value"": 0.16}]"
CUST0006,2025-05-31,292,High Risk,458319,23254,0,15.85,464879,,2024-10-08,Non Payer,240+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.52}, {""feature"": ""Payment Ratio"", ""value"": 0.42}, {""feature"": ""Month on Book"", ""value"": 0.33}, {""feature"": ""Time since last delinquency"", ""value"": 0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.21}]"
CUST0006,2025-06-30,677,Low Risk,458319,23254,5861,16.44,465387,2024-11-14,2024-11-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}, {""feature"": ""Payment Ratio"", ""value"": -0.07}]"
CUST0006,2025-07-31,222,High Risk,458319,23254,0,16.94,471957,,2024-12-08,Non Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.29}, {""feature"": ""Credit Utilization"", ""value"": 0.23}, {""feature"": ""Month on Book"", ""value"": 0.19}, {""feature"": ""Payment Ratio"", ""value"": 0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.12}]"
CUST0006,2025-08-31,753,Low Risk,458319,23254,1821,16.08,476460,2025-01-09,2025-01-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Credit Utilization"", ""value"": -0.02}, {""feature"": ""Payment Ratio"", ""value"": -0.02}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.01}]"
CUST0006,2025-09-28,598,Medium Risk,458319,23254,0,15.95,482793,,2025-02-08,Non Payer,0-30,Current,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": 0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Payment Ratio"", ""value"": 0.03}, {""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}]"
CUST0006,2025-10-31,161,High Risk,458319,23254,0,15.11,488872,,2025-03-08,Non Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Payment Ratio"", ""value"": -0.11}, {""feature"": ""Time since last delinquency"", ""value"": -0.09}]"
CUST0006,2025-11-30,82,High Risk,458319,23254,2113,16.7,493562,2025-04-27,2025-04-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.01}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Month on Book"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}, {""feature"": ""Payment Ratio"", ""value"": 0.0}]"
CUST0006,2025-12-31,691,Low Risk,458319,23254,5033,16.72,495406,2025-05-11,2025-05-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.18}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.11}, {""feature"": ""Month on Book"", ""value"": -0.09}]"
CUST0006,2026-01-31,96,High Risk,458319,23254,0,16.19,400587,,2025-06-08,Non Payer,60+ DPD,Delinquent,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.03}, {""feature"": ""Credit Utilization"", ""value"": -0.02}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}, {""feature"": ""Month on Book"", ""value"": -0.02}, {""feature"": ""Payment Ratio"", ""value"": -0.01}]"
CUST0007,2025-02-28,597,Medium Risk,62982,4469,5272,16.13,58556,2024-08-06,2024-07-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.45}, {""feature"": ""Credit Utilization"", ""value"": 0.36}, {""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.23}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}]"
CUST0007,2025-03-31,209,High Risk,62982,4469,5351,16.34,54002,2024-08-15,2024-08-08,Late Payer,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": 0.27}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.17}, {""feature"": ""Credit Utilization"", ""value"": 0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}]"
CUST0007,2025-04-30,405,Medium Risk,62982,4469,6180,15.26,48509,2024-09-22,2024-09-08,Irregular Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": 0.42}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.34}, {""feature"": ""Credit Utilization"", ""value"": 0.27}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.17}]"
CUST0007,2025-05-31,951,Low Risk,62982,4469,8508,16.5,40668,2024-10-08,2024-10-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.17}, {""feature"": ""Time since last delinquency"", ""value"": 0.13}, {""feature"": ""Credit Utilization"", ""value"": 0.11}]"
CUST0007,2025-06-30,636,Medium Risk,62982,4469,9808,17.0,31436,2024-11-10,2024-11-08,On Time,0-30,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": -0.21}, {""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.11}, {""feature"": ""Credit Utilization"", ""value"": -0.09}]"
CUST0007,2025-07-31,218,High Risk,62982,4469,6718,16.01,25138,2025-01-06,2024-12-08,Irregular Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.0}, {""feature"": ""Time since last delinquency"", ""value"": 0.0}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.0}, {""feature"": ""Payment Ratio"", ""value"": 0.0}, {""feature"": ""Month on Book"", ""value"": 0.0}]"
CUST0007,2025-08-31,902,Low Risk,62982,4469,5669,15.14,19786,2025-01-19,2025-01-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.33}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.26}, {""feature"": ""Payment Ratio"", ""value"": -0.21}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}]"
CUST0007,2025-09-28,161,High Risk,62982,4469,0,15.88,20048,,2025-02-08,Non Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.46}, {""feature"": ""Payment Ratio"", ""value"": 0.37}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}]"
CUST0007,2025-10-31,720,Low Risk,62982,4469,0,15.61,20309,,2025-03-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Month on Book"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.01}, {""feature"": ""Payment Ratio"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.0}]"
CUST0007,2025-11-30,8,High Risk,62982,4469,0,16.34,20585,,2025-04-08,Non Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}]"
CUST0007,2025-12-31,306,High Risk,62982,4469,3200,16.86,17674,2025-06-05,2025-05-08,Irregular Payer,240+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": -0.15}, {""feature"": ""Month on Book"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}, {""feature"": ""Payment Ratio"", ""value"": -0.06}]"
CUST0007,2026-01-31,270,High Risk,62982,4469,3546,15.23,14353,2025-07-01,2025-06-08,Irregular Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.0}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.0}, {""feature"": ""Payment Ratio"", ""value"": 0.0}, {""feature"": ""Month on Book"", ""value"": 0.0}, {""feature"": ""Credit Utilization"", ""value"": 0.0}]"
CUST0008,2025-02-28,215,High Risk,162788,10432,5325,16.44,159693,2024-07-29,2024-07-08,Irregular Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.38}, {""feature"": ""Time since last delinquency"", ""value"": 0.3}, {""feature"": ""Month on Book"", ""value"": 0.24}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.19}, {""feature"": ""Credit Utilization"", ""value"": 0.16}]"
CUST0008,2025-03-31,517,Medium Risk,162788,10432,7939,15.98,153880,2024-08-10,2024-08-08,On Time,150+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": 0.26}, {""feature"": ""Time since last delinquency"", ""value"": 0.21}, {""feature"": ""Credit Utilization"", ""value"": 0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.13}, {""feature"": ""Payment Ratio"", ""value"": 0.11}]"
CUST0008,2025-04-30,849,Low Risk,162788,10432,3143,15.55,152731,2024-09-18,2024-09-08,Late Payer,120+ DPD,Delinquent,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Time since last delinquency"", ""value"": 0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.08}, {""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Month on Book"", ""value"": 0.05}]"
CUST0008,2025-05-31,652,Low Risk,162788,10432,8239,16.96,146651,2024-10-31,2024-10-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.0}, {""feature"": ""Payment Ratio"", ""value"": -0.0}, {""feature"": ""Time since last delinquency"", ""value"": -0.0}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.0}, {""feature"": ""Month on Book"", ""value"": -0.0}]"
CUST0008,2025-06-30,564,Medium Risk,162788,10432,0,16.41,148656,,2024-11-08,Non Payer,120+ DPD,Delinquent,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.42}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.34}, {""feature"": ""Payment Ratio"", ""value"": 0.27}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.17}]"
CUST0008,2025-07-31,9,High Risk,162788,10432,1590,15.22,148952,2024-12-25,2024-12-08,Irregular Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}, {""feature"": ""Month on Book"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.11}]"
CUST0008,2025-08-31,854,Low Risk,162788,10432,0,15.74,150906,,2025-01-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.45}, {""feature"": ""Credit Utilization"", ""value"": 0.36}, {""feature"": ""Time since last delinquency"", ""value"": 0.29}, {""feature"": ""Month on Book"", ""value"": 0.23}, {""feature"": ""Payment Ratio"", ""value"": 0.18}]"
CUST0008,2025-09-28,151,High Risk,162788,10432,6974,15.86,145926,2025-02-17,2025-02-08,Late Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.07}, {""feature"": ""Payment Ratio"", ""value"": 0.06}, {""feature"": ""Month on Book"", ""value"": 0.05}, {""feature"": ""Credit Utilization"", ""value"": 0.04}]"
CUST0008,2025-10-31,920,Low Risk,162788,10432,6862,16.87,141116,2025-04-05,2025-03-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.51}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.41}, {""feature"": ""Month on Book"", ""value"": 0.33}, {""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.21}]"
CUST0008,2025-11-30,215,High Risk,162788,10432,7658,16.36,135381,2025-04-19,2025-04-08,Irregular Payer,240+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}]"
CUST0008,2025-12-31,997,Low Risk,162788,10432,4878,16.24,132336,2025-06-06,2025-05-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.44}, {""feature"": ""Credit Utilization"", ""value"": 0.35}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.28}, {""feature"": ""Payment Ratio"", ""value"": 0.23}, {""feature"": ""Month on Book"", ""value"": 0.18}]"
CUST0008,2026-01-31,885,Low Risk,162788,10432,7755,15.33,126271,2025-07-06,2025-06-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.36}, {""feature"": ""Credit Utilization"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.23}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}]"
CUST0009,2025-02-28,946,Low Risk,32995,1945,5065,15.66,28360,2024-08-02,2024-07-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.06}, {""feature"": ""Credit Utilization"", ""value"": 0.05}, {""feature"": ""Payment Ratio"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}]"
CUST0009,2025-03-31,273,High Risk,32995,1945,1634,15.32,27088,2024-08-20,2024-08-08,Irregular Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.31}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.25}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}, {""feature"": ""Month on Book"", ""value"": 0.13}]"
CUST0009,2025-04-30,879,Low Risk,32995,1945,8541,15.94,18907,2024-10-04,2024-09-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Month on Book"", ""value"": -0.11}, {""feature"": ""Time since last delinquency"", ""value"": -0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}, {""feature"": ""Payment Ratio"", ""value"": -0.06}]"
CUST0009,2025-05-31,358,Medium Risk,32995,1945,1387,15.61,17766,2024-10-15,2024-10-08,Late Payer,90+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": -0.33}, {""feature"": ""Month on Book"", ""value"": -0.26}, {""feature"": ""Credit Utilization"", ""value"": -0.21}, {""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}]"
CUST0009,2025-06-30,675,Low Risk,32995,1945,2137,15.39,15857,2024-11-16,2024-11-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.07}, {""feature"": ""Payment Ratio"", ""value"": 0.06}, {""feature"": ""Time since last delinquency"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.03}]"
CUST0009,2025-07-31,990,Low Risk,32995,1945,9346,16.55,6729,2024-12-28,2024-12-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.3}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.24}, {""feature"": ""Payment Ratio"", ""value"": -0.19}, {""feature"": ""Time since last delinquency"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}]"
CUST0009,2025-08-31,409,Medium Risk,32995,1945,0,16.36,6821,,2025-01-08,Non Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": -0.31}, {""feature"": ""Credit Utilization"", ""value"": -0.25}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.2}, {""feature"": ""Month on Book"", ""value"": -0.16}, {""feature"": ""Payment Ratio"", ""value"": -0.13}]"
CUST0009,2025-09-28,339,High Risk,32995,1945,5279,16.88,1638,2025-03-08,2025-02-08,Irregular Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Time since last delinquency"", ""value"": 0.11}]"
CUST0009,2025-10-31,182,High Risk,32995,1945,2776,16.16,0,2025-03-09,2025-03-08,On Time,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": -0.05}, {""feature"": ""Payment Ratio"", ""value"": -0.04}, {""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}]"
CUST0009,2025-11-30,610,Medium Risk,32995,1945,9379,15.87,0,2025-04-21,2025-04-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": 0.24}, {""feature"": ""Credit Utilization"", ""value"": 0.19}, {""feature"": ""Time since last delinquency"", ""value"": 0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.12}, {""feature"": ""Month on Book"", ""value"": 0.1}]"
CUST0009,2025-12-31,118,High Risk,32995,1945,0,15.77,0,,2025-05-08,Non Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.08}, {""feature"": ""Month on Book"", ""value"": -0.06}, {""feature"": ""Time since last delinquency"", ""value"": -0.05}, {""feature"": ""Payment Ratio"", ""value"": -0.04}]"
CUST0009,2026-01-31,194,High Risk,32995,1945,9518,15.51,0,2025-06-08,2025-06-08,On Time,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.46}, {""feature"": ""Credit Utilization"", ""value"": 0.37}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.24}, {""feature"": ""Month on Book"", ""value"": 0.19}]"
CUST0010,2025-02-28,736,Low Risk,442843,34064,8066,16.88,441006,2024-07-19,2024-07-08,Irregular Payer,90+ DPD,Delinquent,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.03}, {""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Payment Ratio"", ""value"": -0.02}, {""feature"": ""Credit Utilization"", ""value"": -0.02}]"
CUST0010,2025-03-31,71,High Risk,442843,34064,6143,16.9,441074,2024-08-27,2024-08-08,Irregular Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": -0.19}, {""feature"": ""Time since last delinquency"", ""value"": -0.15}, {""feature"": ""Payment Ratio"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}]"
CUST0010,2025-04-30,679,Low Risk,442843,34064,6067,16.7,441145,2024-09-24,2024-09-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.46}, {""feature"": ""Payment Ratio"", ""value"": 0.37}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Time since last delinquency"", ""value"": 0.24}, {""feature"": ""Credit Utilization"", ""value"": 0.19}]"
CUST0010,2025-05-31,682,Low Risk,442843,34064,5844,15.82,441117,2024-10-30,2024-10-08,Irregular Payer,180+ DPD,Delinquent,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.13}, {""feature"": ""Credit Utilization"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}]"
CUST0010,2025-06-30,567,Medium Risk,442843,34064,7211,15.25,439512,2024-11-29,2024-11-08,Irregular Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.31}, {""feature"": ""Credit Utilization"", ""value"": 0.25}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.16}, {""feature"": ""Payment Ratio"", ""value"": 0.13}]"
CUST0010,2025-07-31,693,Low Risk,442843,34064,5930,16.5,439625,2024-12-27,2024-12-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.01}]"
CUST0010,2025-08-31,415,Medium Risk,442843,34064,5700,16.1,439823,2025-01-17,2025-01-08,Late Payer,150+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.12}, {""feature"": ""Credit Utilization"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}]"
CUST0010,2025-09-28,215,High Risk,442843,34064,0,15.86,445636,,2025-02-08,Non Payer,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.14}, {""feature"": ""Time since last delinquency"", ""value"": 0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}, {""feature"": ""Month on Book"", ""value"": 0.07}]"
CUST0010,2025-10-31,621,Medium Risk,442843,34064,0,16.31,451693,,2025-03-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.35}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.28}, {""feature"": ""Payment Ratio"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.18}, {""feature"": ""Month on Book"", ""value"": 0.14}]"
CUST0010,2025-11-30,452,Medium Risk,442843,34064,8752,15.88,448919,2025-04-24,2025-04-08,Irregular Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.14}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}, {""feature"": ""Credit Utilization"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Payment Ratio"", ""value"": -0.06}]"
CUST0010,2025-12-31,812,Low Risk,442843,34064,2389,16.8,452814,2025-05-29,2025-05-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.23}, {""feature"": ""Month on Book"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.12}, {""feature"": ""Credit Utilization"", ""value"": -0.09}]"
CUST0010,2026-01-31,290,High Risk,442843,34064,0,16.03,458863,,2025-06-08,Non Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": -0.04}, {""feature"": ""Credit Utilization"", ""value"": -0.03}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}, {""feature"": ""Month on Book"", ""value"": -0.02}]"
CUST0011,2025-02-28,974,Low Risk,195735,10700,4262,16.5,194164,2024-07-15,2024-07-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.47}, {""feature"": ""Month on Book"", ""value"": 0.38}, {""feature"": ""Time since last delinquency"", ""value"": 0.3}, {""feature"": ""Payment Ratio"", ""value"": 0.24}, {""feature"": ""Credit Utilization"", ""value"": 0.19}]"
CUST0011,2025-03-31,150,High Risk,195735,10700,2193,15.05,194406,2024-08-23,2024-08-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.06}, {""feature"": ""Credit Utilization"", ""value"": -0.05}, {""feature"": ""Payment Ratio"", ""value"": -0.04}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}]"
CUST0011,2025-04-30,466,Medium Risk,195735,10700,0,15.83,196971,,2024-09-08,Non Payer,180+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": -0.09}, {""feature"": ""Payment Ratio"", ""value"": -0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}, {""feature"": ""Credit Utilization"", ""value"": -0.05}, {""feature"": ""Month on Book"", ""value"": -0.04}]"
CUST0011,2025-05-31,199,High Risk,195735,10700,7547,16.44,192122,2024-10-23,2024-10-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}, {""feature"": ""Month on Book"", ""value"": 0.09}]"
CUST0011,2025-06-30,249,High Risk,195735,10700,2746,15.3,191826,2024-12-06,2024-11-08,Irregular Payer,210+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": 0.13}, {""feature"": ""Payment Ratio"", ""value"": 0.1}, {""feature"": ""Credit Utilization"", ""value"": 0.08}, {""feature"": ""Time since last delinquency"", ""value"": 0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}]"
CUST0011,2025-07-31,797,Low Risk,195735,10700,9486,15.85,184873,2025-01-02,2024-12-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.03}, {""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.02}]"
CUST0011,2025-08-31,475,Medium Risk,195735,10700,2988,15.1,184212,2025-02-06,2025-01-08,Irregular Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}]"
CUST0011,2025-09-28,467,Medium Risk,195735,10700,0,15.27,186556,,2025-02-08,Non Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.21}, {""feature"": ""Credit Utilization"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}, {""feature"": ""Month on Book"", ""value"": 0.09}]"
CUST0011,2025-10-31,683,Low Risk,195735,10700,0,16.06,189052,,2025-03-08,Non Payer,180+ DPD,Delinquent,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.3}, {""feature"": ""Time since last delinquency"", ""value"": -0.24}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.19}, {""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}]"
CUST0011,2025-11-30,609,Medium Risk,195735,10700,0,15.63,191515,,2025-04-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Time since last delinquency"", ""value"": 0.21}, {""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}]"
CUST0011,2025-12-31,627,Medium Risk,195735,10700,0,16.63,194169,,2025-05-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.29}, {""feature"": ""Credit Utilization"", ""value"": -0.23}, {""feature"": ""Month on Book"", ""value"": -0.19}, {""feature"": ""Time since last delinquency"", ""value"": -0.15}, {""feature"": ""Payment Ratio"", ""value"": -0.12}]"
CUST0011,2026-01-31,436,Medium Risk,195735,10700,0,16.66,196865,,2025-06-08,Non Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Month on Book"", ""value"": -0.11}, {""feature"": ""Payment Ratio"", ""value"": -0.09}, {""feature"": ""Time since last delinquency"", ""value"": -0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}]"
CUST0012,2025-02-28,761,Low Risk,253787,24074,0,16.72,257323,,2024-07-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.4}, {""feature"": ""Month on Book"", ""value"": 0.32}, {""feature"": ""Time since last delinquency"", ""value"": 0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.2}, {""feature"": ""Credit Utilization"", ""value"": 0.16}]"
CUST0012,2025-03-31,265,High Risk,253787,24074,9540,16.5,251321,2024-09-01,2024-08-08,Irregular Payer,210+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.13}, {""feature"": ""Payment Ratio"", ""value"": -0.1}, {""feature"": ""Credit Utilization"", ""value"": -0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}, {""feature"": ""Time since last delinquency"", ""value"": -0.05}]"
CUST0012,2025-04-30,496,Medium Risk,253787,24074,2269,16.25,252455,2024-09-22,2024-09-08,Irregular Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": -0.06}, {""feature"": ""Time since last delinquency"", ""value"": -0.05}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Payment Ratio"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}]"
CUST0012,2025-05-31,730,Low Risk,253787,24074,6238,15.57,249493,2024-10-18,2024-10-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.6}, {""feature"": ""Month on Book"", ""value"": 0.48}, {""feature"": ""Payment Ratio"", ""value"": 0.38}, {""feature"": ""Credit Utilization"", ""value"": 0.31}, {""feature"": ""Time since last delinquency"", ""value"": 0.25}]"
CUST0012,2025-06-30,914,Low Risk,253787,24074,4788,16.08,248048,2024-11-12,2024-11-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.35}, {""feature"": ""Payment Ratio"", ""value"": -0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.22}, {""feature"": ""Month on Book"", ""value"": -0.18}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}]"
CUST0012,2025-07-31,392,Medium Risk,253787,24074,7797,16.39,243639,2024-12-10,2024-12-08,On Time,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.58}, {""feature"": ""Credit Utilization"", ""value"": 0.46}, {""feature"": ""Time since last delinquency"", ""value"": 0.37}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Month on Book"", ""value"": 0.24}]"
CUST0012,2025-08-31,417,Medium Risk,253787,24074,0,15.66,246818,,2025-01-08,Non Payer,30+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Time since last delinquency"", ""value"": 0.24}, {""feature"": ""Payment Ratio"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.16}]"
CUST0012,2025-09-28,425,Medium Risk,253787,24074,1320,15.12,248608,2025-02-20,2025-02-08,Irregular Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": -0.33}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.26}, {""feature"": ""Payment Ratio"", ""value"": -0.21}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Month on Book"", ""value"": -0.14}]"
CUST0012,2025-10-31,877,Low Risk,253787,24074,0,16.76,252080,,2025-03-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.21}, {""feature"": ""Credit Utilization"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}]"
CUST0012,2025-11-30,389,Medium Risk,253787,24074,7389,15.95,248042,2025-04-17,2025-04-08,Late Payer,210+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": -0.08}, {""feature"": ""Payment Ratio"", ""value"": -0.06}, {""feature"": ""Credit Utilization"", ""value"": -0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.04}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}]"
CUST0012,2025-12-31,873,Low Risk,253787,24074,9947,16.78,241564,2025-05-25,2025-05-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.45}, {""feature"": ""Credit Utilization"", ""value"": 0.36}, {""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.23}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}]"
CUST0012,2026-01-31,819,Low Risk,253787,24074,4595,16.21,240232,2025-06-23,2025-06-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.05}, {""feature"": ""Time since last delinquency"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.03}, {""feature"": ""Credit Utilization"", ""value"": 0.02}]"
CUST0013,2025-02-28,29,High Risk,163096,11708,3704,15.78,161536,2024-07-31,2024-07-08,Irregular Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.58}, {""feature"": ""Time since last delinquency"", ""value"": 0.46}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.37}, {""feature"": ""Payment Ratio"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}]"
CUST0013,2025-03-31,860,Low Risk,163096,11708,9751,15.93,153930,2024-08-27,2024-08-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.35}, {""feature"": ""Time since last delinquency"", ""value"": 0.28}, {""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.14}]"
CUST0013,2025-04-30,27,High Risk,163096,11708,0,16.81,156086,,2024-09-08,Non Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.46}, {""feature"": ""Time since last delinquency"", ""value"": 0.37}, {""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.24}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.19}]"
CUST0013,2025-05-31,577,Medium Risk,163096,11708,8022,16.33,150188,2024-10-28,2024-10-08,Irregular Payer,180+ DPD,Delinquent,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.31}, {""feature"": ""Month on Book"", ""value"": 0.25}, {""feature"": ""Payment Ratio"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}]"
CUST0013,2025-06-30,138,High Risk,163096,11708,5262,16.73,147020,2024-11-09,2024-11-08,On Time,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.32}, {""feature"": ""Month on Book"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.13}]"
CUST0013,2025-07-31,388,Medium Risk,163096,11708,0,15.65,148937,,2024-12-08,Non Payer,30+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": -0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.12}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}]"
CUST0013,2025-08-31,334,High Risk,163096,11708,7906,15.68,142977,2025-01-16,2025-01-08,Late Payer,60+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}, {""feature"": ""Month on Book"", ""value"": -0.09}]"
CUST0013,2025-09-28,258,High Risk,163096,11708,0,16.67,144964,,2025-02-08,Non Payer,120+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}, {""feature"": ""Payment Ratio"", ""value"": -0.02}, {""feature"": ""Credit Utilization"", ""value"": -0.02}, {""feature"": ""Time since last delinquency"", ""value"": -0.01}]"
CUST0013,2025-10-31,19,High Risk,163096,11708,4673,16.5,142284,2025-03-19,2025-03-08,Irregular Payer,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.01}]"
CUST0013,2025-11-30,665,Low Risk,163096,11708,1508,15.14,142571,2025-05-02,2025-04-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.06}, {""feature"": ""Credit Utilization"", ""value"": 0.05}, {""feature"": ""Time since last delinquency"", ""value"": 0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.03}, {""feature"": ""Month on Book"", ""value"": 0.02}]"
CUST0013,2025-12-31,972,Low Risk,163096,11708,3496,15.49,140915,2025-05-27,2025-05-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.41}, {""feature"": ""Time since last delinquency"", ""value"": 0.33}, {""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.21}, {""feature"": ""Month on Book"", ""value"": 0.17}]"
CUST0013,2026-01-31,244,High Risk,163096,11708,4571,15.25,138135,2025-06-26,2025-06-08,Irregular Payer,180+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.51}, {""feature"": ""Month on Book"", ""value"": 0.41}, {""feature"": ""Payment Ratio"", ""value"": 0.33}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.21}]"
CUST0014,2025-02-28,785,Low Risk,263811,22416,0,15.74,267271,,2024-07-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.01}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}]"
CUST0014,2025-03-31,621,Medium Risk,263811,22416,3683,16.93,267359,2024-09-01,2024-08-08,Irregular Payer,210+ DPD,Delinquent,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.14}, {""feature"": ""Month on Book"", ""value"": 0.11}, {""feature"": ""Payment Ratio"", ""value"": 0.09}, {""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}]"
CUST0014,2025-04-30,987,Low Risk,263811,22416,0,15.62,270839,,2024-09-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.16}, {""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}, {""feature"": ""Time since last delinquency"", ""value"": -0.07}]"
CUST0014,2025-05-31,26,High Risk,263811,22416,0,16.86,274644,,2024-10-08,Non Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": -0.25}, {""feature"": ""Month on Book"", ""value"": -0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.16}, {""feature"": ""Payment Ratio"", ""value"": -0.13}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}]"
CUST0014,2025-06-30,693,Low Risk,263811,22416,4249,16.82,274245,2024-11-20,2024-11-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.25}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Month on Book"", ""value"": 0.1}]"
CUST0014,2025-07-31,77,High Risk,263811,22416,5941,16.18,272001,2024-12-11,2024-12-08,On Time,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": -0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.23}, {""feature"": ""Time since last delinquency"", ""value"": -0.19}, {""feature"": ""Month on Book"", ""value"": -0.15}, {""feature"": ""Payment Ratio"", ""value"": -0.12}]"
CUST0014,2025-08-31,870,Low Risk,263811,22416,1672,16.37,274040,2025-02-02,2025-01-08,Irregular Payer,210+ DPD,Delinquent,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Month on Book"", ""value"": -0.11}, {""feature"": ""Time since last delinquency"", ""value"": -0.09}]"
CUST0014,2025-09-28,355,Medium Risk,263811,22416,9289,16.07,268421,2025-02-10,2025-02-08,On Time,240+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": -0.01}, {""feature"": ""Payment Ratio"", ""value"": -0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.01}, {""feature"": ""Month on Book"", ""value"": -0.01}, {""feature"": ""Time since last delinquency"", ""value"": -0.0}]"
CUST0014,2025-10-31,663,Low Risk,263811,22416,9031,15.68,262897,2025-04-03,2025-03-08,Irregular Payer,120+ DPD,Delinquent,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.27}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Month on Book"", ""value"": 0.11}]"
CUST0014,2025-11-30,108,High Risk,263811,22416,8532,15.87,257842,2025-04-28,2025-04-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.49}, {""feature"": ""Month on Book"", ""value"": 0.39}, {""feature"": ""Payment Ratio"", ""value"": 0.31}, {""feature"": ""Time since last delinquency"", ""value"": 0.25}, {""feature"": ""Credit Utilization"", ""value"": 0.2}]"
CUST0014,2025-12-31,724,Low Risk,263811,22416,9548,15.31,251584,2025-05-31,2025-05-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.42}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.34}, {""feature"": ""Credit Utilization"", ""value"": 0.27}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.17}]"
CUST0014,2026-01-31,988,Low Risk,263811,22416,0,16.3,255001,,2025-06-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.37}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Month on Book"", ""value"": 0.19}, {""feature"": ""Payment Ratio"", ""value"": 0.15}]"
CUST0015,2025-02-28,793,Low Risk,443729,42589,5397,15.97,444237,2024-08-03,2024-07-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Time since last delinquency"", ""value"": 0.21}, {""feature"": ""Payment Ratio"", ""value"": 0.17}, {""feature"": ""Month on Book"", ""value"": 0.13}, {""feature"": ""Credit Utilization"", ""value"": 0.11}]"
CUST0015,2025-03-31,330,High Risk,443729,42589,8385,16.7,442034,2024-08-16,2024-08-08,Late Payer,180+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.34}, {""feature"": ""Payment Ratio"", ""value"": 0.27}, {""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}]"
CUST0015,2025-04-30,249,High Risk,443729,42589,0,16.5,448112,,2024-09-08,Non Payer,240+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.25}, {""feature"": ""Time since last delinquency"", ""value"": -0.2}, {""feature"": ""Credit Utilization"", ""value"": -0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.13}, {""feature"": ""Payment Ratio"", ""value"": -0.1}]"
CUST0015,2025-05-31,624,Medium Risk,443729,42589,9098,16.34,445116,2024-10-08,2024-10-08,On Time,240+ DPD,Delinquent,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": -0.24}, {""feature"": ""Time since last delinquency"", ""value"": -0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Month on Book"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.1}]"
CUST0015,2025-06-30,871,Low Risk,443729,42589,0,15.65,450921,,2024-11-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.56}, {""feature"": ""Credit Utilization"", ""value"": 0.45}, {""feature"": ""Month on Book"", ""value"": 0.36}, {""feature"": ""Payment Ratio"", ""value"": 0.29}, {""feature"": ""Time since last delinquency"", ""value"": 0.23}]"
CUST0015,2025-07-31,217,High Risk,443729,42589,5581,15.71,451243,2024-12-18,2024-12-08,Late Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": -0.32}, {""feature"": ""Credit Utilization"", ""value"": -0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.2}, {""feature"": ""Time since last delinquency"", ""value"": -0.16}, {""feature"": ""Month on Book"", ""value"": -0.13}]"
CUST0015,2025-08-31,901,Low Risk,443729,42589,1166,16.19,456165,2025-01-25,2025-01-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.33}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.21}, {""feature"": ""Time since last delinquency"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.14}]"
CUST0015,2025-09-28,529,Medium Risk,443729,42589,7658,16.9,454932,2025-02-15,2025-02-08,Late Payer,180+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.15}, {""feature"": ""Credit Utilization"", ""value"": 0.12}, {""feature"": ""Payment Ratio"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.06}]"
CUST0015,2025-10-31,500,Medium Risk,443729,42589,8800,16.11,452239,2025-03-30,2025-03-08,Irregular Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": -0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.22}, {""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Month on Book"", ""value"": -0.11}]"
CUST0015,2025-11-30,661,Low Risk,443729,42589,0,16.42,458427,,2025-04-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.37}, {""feature"": ""Time since last delinquency"", ""value"": 0.3}, {""feature"": ""Payment Ratio"", ""value"": 0.24}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.19}, {""feature"": ""Credit Utilization"", ""value"": 0.15}]"
CUST0015,2025-12-31,811,Low Risk,443729,42589,7625,15.03,456544,2025-05-15,2025-05-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.29}, {""feature"": ""Month on Book"", ""value"": 0.23}, {""feature"": ""Payment Ratio"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}, {""feature"": ""Credit Utilization"", ""value"": 0.12}]"
CUST0015,2026-01-31,708,Low Risk,443729,42589,0,15.49,462437,,2025-06-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.59}, {""feature"": ""Payment Ratio"", ""value"": 0.47}, {""feature"": ""Credit Utilization"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Time since last delinquency"", ""value"": 0.24}]"
CUST0016,2025-02-28,543,Medium Risk,213472,15724,0,15.69,216263,,2024-07-08,Non Payer,210+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.25}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Month on Book"", ""value"": 0.1}]"
CUST0016,2025-03-31,338,High Risk,213472,15724,0,15.7,219092,,2024-08-08,Non Payer,150+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}]"
CUST0016,2025-04-30,277,High Risk,213472,15724,4155,15.61,217787,2024-09-11,2024-09-08,On Time,210+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.35}, {""feature"": ""Payment Ratio"", ""value"": -0.28}, {""feature"": ""Time since last delinquency"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}]"
CUST0016,2025-05-31,323,High Risk,213472,15724,0,15.24,220553,,2024-10-08,Non Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.15}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.08}, {""feature"": ""Credit Utilization"", ""value"": -0.06}]"
CUST0016,2025-06-30,973,Low Risk,213472,15724,4545,16.52,219044,2024-11-14,2024-11-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}]"
CUST0016,2025-07-31,756,Low Risk,213472,15724,0,15.97,221959,,2024-12-08,Non Payer,150+ DPD,Delinquent,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.03}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}, {""feature"": ""Month on Book"", ""value"": -0.02}, {""feature"": ""Credit Utilization"", ""value"": -0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.01}]"
CUST0016,2025-08-31,778,Low Risk,213472,15724,4180,16.05,220748,2025-01-11,2025-01-08,On Time,240+ DPD,Delinquent,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.05}, {""feature"": ""Payment Ratio"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}]"
CUST0016,2025-09-28,303,High Risk,213472,15724,1231,15.45,222359,2025-02-17,2025-02-08,Late Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.09}, {""feature"": ""Payment Ratio"", ""value"": 0.07}, {""feature"": ""Month on Book"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}, {""feature"": ""Credit Utilization"", ""value"": 0.04}]"
CUST0016,2025-10-31,725,Low Risk,213472,15724,1893,16.07,223444,2025-03-09,2025-03-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.28}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.14}, {""feature"": ""Payment Ratio"", ""value"": 0.11}]"
CUST0016,2025-11-30,566,Medium Risk,213472,15724,9042,15.58,217303,2025-04-28,2025-04-08,Irregular Payer,150+ DPD,Delinquent,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": -0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.05}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Payment Ratio"", ""value"": -0.03}, {""feature"": ""Month on Book"", ""value"": -0.02}]"
CUST0016,2025-12-31,105,High Risk,213472,15724,0,16.75,220336,,2025-05-08,Non Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.52}, {""feature"": ""Credit Utilization"", ""value"": 0.42}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.33}, {""feature"": ""Month on Book"", ""value"": 0.27}, {""feature"": ""Payment Ratio"", ""value"": 0.21}]"
CUST0016,2026-01-31,291,High Risk,213472,15724,0,15.94,223263,,2025-06-08,Non Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}, {""feature"": ""Month on Book"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}]"
CUST0017,2025-02-28,52,High Risk,198628,11762,0,15.5,201193,,2024-07-08,Non Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.41}, {""feature"": ""Payment Ratio"", ""value"": 0.33}, {""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.21}, {""feature"": ""Month on Book"", ""value"": 0.17}]"
CUST0017,2025-03-31,116,High Risk,198628,11762,2213,16.64,201770,2024-08-23,2024-08-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.06}, {""feature"": ""Credit Utilization"", ""value"": 0.05}, {""feature"": ""Payment Ratio"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}]"
CUST0017,2025-04-30,590,Medium Risk,198628,11762,3444,16.26,201060,2024-09-12,2024-09-08,Late Payer,0-30,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.47}, {""feature"": ""Payment Ratio"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Month on Book"", ""value"": 0.19}]"
CUST0017,2025-05-31,830,Low Risk,198628,11762,5066,16.13,198697,2024-10-10,2024-10-08,On Time,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.35}, {""feature"": ""Time since last delinquency"", ""value"": -0.28}, {""feature"": ""Month on Book"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.14}]"
CUST0017,2025-06-30,121,High Risk,198628,11762,4697,16.12,196669,2024-11-27,2024-11-08,Irregular Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}, {""feature"": ""Time since last delinquency"", ""value"": 0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.08}]"
CUST0017,2025-07-31,794,Low Risk,198628,11762,0,16.05,199299,,2024-12-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.51}, {""feature"": ""Time since last delinquency"", ""value"": 0.41}, {""feature"": ""Payment Ratio"", ""value"": 0.33}, {""feature"": ""Month on Book"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.21}]"
CUST0017,2025-08-31,930,Low Risk,198628,11762,0,15.89,201938,,2025-01-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.27}, {""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.17}, {""feature"": ""Credit Utilization"", ""value"": 0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}]"
CUST0017,2025-09-28,439,Medium Risk,198628,11762,0,15.61,204565,,2025-02-08,Non Payer,30+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": -0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}, {""feature"": ""Month on Book"", ""value"": -0.06}, {""feature"": ""Payment Ratio"", ""value"": -0.05}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}]"
CUST0017,2025-10-31,61,High Risk,198628,11762,4404,16.22,202926,2025-04-01,2025-03-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.17}, {""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Month on Book"", ""value"": 0.11}, {""feature"": ""Payment Ratio"", ""value"": 0.09}]"
CUST0017,2025-11-30,640,Medium Risk,198628,11762,4929,15.42,200605,2025-04-13,2025-04-08,Late Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": 0.09}, {""feature"": ""Time since last delinquency"", ""value"": 0.07}, {""feature"": ""Month on Book"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}, {""feature"": ""Credit Utilization"", ""value"": 0.04}]"
CUST0017,2025-12-31,177,High Risk,198628,11762,7693,16.1,195603,2025-05-08,2025-05-08,On Time,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": -0.3}, {""feature"": ""Time since last delinquency"", ""value"": -0.24}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.19}, {""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Month on Book"", ""value"": -0.12}]"
CUST0017,2026-01-31,461,Medium Risk,198628,11762,0,16.38,198273,,2025-06-08,Non Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": -0.22}, {""feature"": ""Month on Book"", ""value"": -0.18}, {""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.11}, {""feature"": ""Time since last delinquency"", ""value"": -0.09}]"
CUST0018,2025-02-28,295,High Risk,172703,8917,0,16.41,175064,,2024-07-08,Non Payer,210+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.05}, {""feature"": ""Credit Utilization"", ""value"": 0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.03}, {""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.02}]"
CUST0018,2025-03-31,72,High Risk,172703,8917,4241,16.37,173211,2024-09-02,2024-08-08,Irregular Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.05}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Payment Ratio"", ""value"": -0.03}, {""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}]"
CUST0018,2025-04-30,435,Medium Risk,172703,8917,3441,15.23,171969,2024-09-28,2024-09-08,Irregular Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.11}, {""feature"": ""Time since last delinquency"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}]"
CUST0018,2025-05-31,930,Low Risk,172703,8917,1977,15.53,172217,2024-10-10,2024-10-08,On Time,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.31}, {""feature"": ""Payment Ratio"", ""value"": -0.25}, {""feature"": ""Credit Utilization"", ""value"": -0.2}, {""feature"": ""Time since last delinquency"", ""value"": -0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.13}]"
CUST0018,2025-06-30,169,High Risk,172703,8917,0,16.59,174598,,2024-11-08,Non Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}, {""feature"": ""Payment Ratio"", ""value"": -0.05}, {""feature"": ""Month on Book"", ""value"": -0.04}]"
CUST0018,2025-07-31,766,Low Risk,172703,8917,3037,16.65,173984,2024-12-22,2024-12-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.23}, {""feature"": ""Credit Utilization"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Month on Book"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}]"
CUST0018,2025-08-31,479,Medium Risk,172703,8917,9199,16.38,167160,2025-01-16,2025-01-08,Late Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}, {""feature"": ""Credit Utilization"", ""value"": -0.02}, {""feature"": ""Month on Book"", ""value"": -0.01}]"
CUST0018,2025-09-28,552,Medium Risk,172703,8917,1653,15.99,167734,2025-02-27,2025-02-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.16}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Time since last delinquency"", ""value"": 0.1}, {""feature"": ""Credit Utilization"", ""value"": 0.08}, {""feature"": ""Month on Book"", ""value"": 0.07}]"
CUST0018,2025-10-31,910,Low Risk,172703,8917,5102,15.86,164849,2025-03-27,2025-03-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.26}, {""feature"": ""Payment Ratio"", ""value"": -0.21}, {""feature"": ""Month on Book"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}]"
CUST0018,2025-11-30,26,High Risk,172703,8917,0,15.18,166934,,2025-04-08,Non Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": -0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Month on Book"", ""value"": -0.12}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}]"
CUST0018,2025-12-31,601,Medium Risk,172703,8917,1659,16.9,167626,2025-05-26,2025-05-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.21}, {""feature"": ""Month on Book"", ""value"": -0.17}, {""feature"": ""Payment Ratio"", ""value"": -0.13}, {""feature"": ""Credit Utilization"", ""value"": -0.11}, {""feature"": ""Time since last delinquency"", ""value"": -0.09}]"
CUST0018,2026-01-31,781,Low Risk,172703,8917,0,16.51,169933,,2025-06-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.05}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.03}, {""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Payment Ratio"", ""value"": -0.02}]"
CUST0019,2025-02-28,938,Low Risk,292086,24119,0,15.56,295873,,2024-07-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.34}, {""feature"": ""Month on Book"", ""value"": 0.27}, {""feature"": ""Payment Ratio"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.14}]"
CUST0019,2025-03-31,446,Medium Risk,292086,24119,0,16.27,299884,,2024-08-08,Non Payer,180+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.14}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Month on Book"", ""value"": -0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}]"
CUST0019,2025-04-30,992,Low Risk,292086,24119,6460,15.18,297218,2024-09-21,2024-09-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.19}, {""feature"": ""Time since last delinquency"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.08}]"
CUST0019,2025-05-31,328,High Risk,292086,24119,7744,16.34,293521,2024-10-18,2024-10-08,Late Payer,210+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Payment Ratio"", ""value"": 0.03}, {""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}]"
CUST0019,2025-06-30,710,Low Risk,292086,24119,1601,15.99,295831,2024-12-04,2024-11-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.14}, {""feature"": ""Payment Ratio"", ""value"": 0.11}, {""feature"": ""Credit Utilization"", ""value"": 0.09}, {""feature"": ""Month on Book"", ""value"": 0.07}]"
CUST0019,2025-07-31,465,Medium Risk,292086,24119,2899,15.18,296675,2024-12-18,2024-12-08,Late Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.12}, {""feature"": ""Credit Utilization"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}, {""feature"": ""Month on Book"", ""value"": 0.05}]"
CUST0019,2025-08-31,993,Low Risk,292086,24119,0,16.55,300766,,2025-01-08,Non Payer,120+ DPD,Delinquent,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.29}, {""feature"": ""Month on Book"", ""value"": -0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.19}, {""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}]"
CUST0019,2025-09-28,844,Low Risk,292086,24119,0,16.98,305022,,2025-02-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.42}, {""feature"": ""Payment Ratio"", ""value"": 0.34}, {""feature"": ""Time since last delinquency"", ""value"": 0.27}, {""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.17}]"
CUST0019,2025-10-31,473,Medium Risk,292086,24119,6927,15.83,302119,2025-03-24,2025-03-08,Irregular Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.03}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.01}]"
CUST0019,2025-11-30,637,Medium Risk,292086,24119,0,16.51,306275,,2025-04-08,Non Payer,120+ DPD,Delinquent,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}, {""feature"": ""Time since last delinquency"", ""value"": 0.07}]"
CUST0019,2025-12-31,778,Low Risk,292086,24119,3146,15.1,306983,2025-05-25,2025-05-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.28}, {""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}]"
CUST0019,2026-01-31,949,Low Risk,292086,24119,0,15.58,310969,,2025-06-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}, {""feature"": ""Credit Utilization"", ""value"": 0.19}, {""feature"": ""Time since last delinquency"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}]"
CUST0020,2025-02-28,645,Medium Risk,83662,4303,3594,16.22,81198,2024-07-30,2024-07-08,Irregular Payer,60+ DPD,Delinquent,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.39}, {""feature"": ""Time since last delinquency"", ""value"": 0.31}, {""feature"": ""Month on Book"", ""value"": 0.25}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}]"
CUST0020,2025-03-31,318,High Risk,83662,4303,0,16.1,82288,,2024-08-08,Non Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.43}, {""feature"": ""Payment Ratio"", ""value"": 0.34}, {""feature"": ""Month on Book"", ""value"": 0.28}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}]"
CUST0020,2025-04-30,417,Medium Risk,83662,4303,2924,15.19,80405,2024-09-22,2024-09-08,Irregular Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.13}, {""feature"": ""Month on Book"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}, {""feature"": ""Time since last delinquency"", ""value"": 0.07}, {""feature"": ""Credit Utilization"", ""value"": 0.05}]"
CUST0020,2025-05-31,663,Low Risk,83662,4303,0,16.66,81522,,2024-10-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.15}, {""feature"": ""Credit Utilization"", ""value"": 0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}]"
CUST0020,2025-06-30,955,Low Risk,83662,4303,0,16.43,82638,,2024-11-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.13}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Credit Utilization"", ""value"": -0.08}, {""feature"": ""Payment Ratio"", ""value"": -0.07}, {""feature"": ""Time since last delinquency"", ""value"": -0.05}]"
CUST0020,2025-07-31,722,Low Risk,83662,4303,0,15.55,83709,,2024-12-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.58}, {""feature"": ""Credit Utilization"", ""value"": 0.46}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.37}, {""feature"": ""Payment Ratio"", ""value"": 0.3}, {""feature"": ""Time since last delinquency"", ""value"": 0.24}]"
CUST0020,2025-08-31,483,Medium Risk,83662,4303,0,15.49,84789,,2025-01-08,Non Payer,180+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.23}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.12}]"
CUST0020,2025-09-28,148,High Risk,83662,4303,0,15.77,85904,,2025-02-08,Non Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.32}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.26}, {""feature"": ""Time since last delinquency"", ""value"": -0.2}, {""feature"": ""Credit Utilization"", ""value"": -0.16}, {""feature"": ""Payment Ratio"", ""value"": -0.13}]"
CUST0020,2025-10-31,520,Medium Risk,83662,4303,2143,16.49,84941,2025-04-04,2025-03-08,Irregular Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.46}, {""feature"": ""Payment Ratio"", ""value"": 0.37}, {""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Time since last delinquency"", ""value"": 0.24}, {""feature"": ""Credit Utilization"", ""value"": 0.19}]"
CUST0020,2025-11-30,282,High Risk,83662,4303,9318,16.55,76794,2025-04-18,2025-04-08,Late Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.19}, {""feature"": ""Payment Ratio"", ""value"": 0.15}, {""feature"": ""Month on Book"", ""value"": 0.12}]"
CUST0020,2025-12-31,273,High Risk,83662,4303,5891,16.64,71968,2025-05-31,2025-05-08,Irregular Payer,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Payment Ratio"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}, {""feature"": ""Credit Utilization"", ""value"": 0.04}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}]"
CUST0020,2026-01-31,857,Low Risk,83662,4303,0,16.17,72938,,2025-06-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.46}, {""feature"": ""Credit Utilization"", ""value"": 0.37}, {""feature"": ""Time since last delinquency"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}, {""feature"": ""Payment Ratio"", ""value"": 0.19}]"
CUST0021,2025-02-28,551,Medium Risk,473645,27201,9903,15.97,470045,2024-07-25,2024-07-08,Irregular Payer,90+ DPD,Delinquent,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": -0.31}, {""feature"": ""Month on Book"", ""value"": -0.25}, {""feature"": ""Credit Utilization"", ""value"": -0.2}, {""feature"": ""Payment Ratio"", ""value"": -0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.13}]"
CUST0021,2025-03-31,386,Medium Risk,473645,27201,4090,15.91,472187,2024-09-04,2024-08-08,Irregular Payer,240+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": 0.46}, {""feature"": ""Credit Utilization"", ""value"": 0.37}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}]"
CUST0021,2025-04-30,714,Low Risk,473645,27201,7730,15.48,470548,2024-09-15,2024-09-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.04}, {""feature"": ""Payment Ratio"", ""value"": -0.03}]"
CUST0021,2025-05-31,44,High Risk,473645,27201,0,15.64,476681,,2024-10-08,Non Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.14}, {""feature"": ""Payment Ratio"", ""value"": 0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}]"
CUST0021,2025-06-30,722,Low Risk,473645,27201,3492,16.83,479874,2024-11-20,2024-11-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.51}, {""feature"": ""Month on Book"", ""value"": 0.41}, {""feature"": ""Credit Utilization"", ""value"": 0.33}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Time since last delinquency"", ""value"": 0.21}]"
CUST0021,2025-07-31,507,Medium Risk,473645,27201,6439,16.93,480206,2024-12-24,2024-12-08,Irregular Payer,60+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": 0.12}, {""feature"": ""Month on Book"", ""value"": 0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.08}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}, {""feature"": ""Credit Utilization"", ""value"": 0.05}]"
CUST0021,2025-08-31,890,Low Risk,473645,27201,0,15.2,486288,,2025-01-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.53}, {""feature"": ""Credit Utilization"", ""value"": 0.42}, {""feature"": ""Payment Ratio"", ""value"": 0.34}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.27}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}]"
CUST0021,2025-09-28,102,High Risk,473645,27201,0,16.05,492792,,2025-02-08,Non Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.16}, {""feature"": ""Time since last delinquency"", ""value"": 0.13}, {""feature"": ""Credit Utilization"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.07}]"
CUST0021,2025-10-31,15,High Risk,473645,27201,3529,16.44,496015,2025-04-04,2025-03-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.11}, {""feature"": ""Month on Book"", ""value"": 0.09}, {""feature"": ""Payment Ratio"", ""value"": 0.07}]"
CUST0021,2025-11-30,76,High Risk,473645,27201,7512,15.94,495091,2025-04-18,2025-04-08,Late Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.3}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}, {""feature"": ""Payment Ratio"", ""value"": 0.19}, {""feature"": ""Time since last delinquency"", ""value"": 0.15}, {""feature"": ""Credit Utilization"", ""value"": 0.12}]"
CUST0021,2025-12-31,665,Low Risk,473645,27201,9742,15.16,491604,2025-06-04,2025-05-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.46}, {""feature"": ""Time since last delinquency"", ""value"": 0.37}, {""feature"": ""Payment Ratio"", ""value"": 0.29}, {""feature"": ""Month on Book"", ""value"": 0.24}, {""feature"": ""Credit Utilization"", ""value"": 0.19}]"
CUST0021,2026-01-31,389,Medium Risk,473645,27201,0,16.91,498532,,2025-06-08,Non Payer,90+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.42}, {""feature"": ""Payment Ratio"", ""value"": 0.34}, {""feature"": ""Credit Utilization"", ""value"": 0.27}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.17}]"
CUST0022,2025-02-28,632,Medium Risk,477379,36782,2480,15.14,480921,2024-07-15,2024-07-08,Late Payer,240+ DPD,Delinquent,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.37}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Payment Ratio"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.15}]"
CUST0022,2025-03-31,444,Medium Risk,477379,36782,3725,16.96,483993,2024-08-22,2024-08-08,Irregular Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": 0.5}, {""feature"": ""Payment Ratio"", ""value"": 0.4}, {""feature"": ""Month on Book"", ""value"": 0.32}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}]"
CUST0022,2025-04-30,710,Low Risk,477379,36782,6314,15.6,483971,2024-09-09,2024-09-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.58}, {""feature"": ""Credit Utilization"", ""value"": 0.46}, {""feature"": ""Payment Ratio"", ""value"": 0.37}, {""feature"": ""Time since last delinquency"", ""value"": 0.3}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}]"
CUST0022,2025-05-31,815,Low Risk,477379,36782,8056,15.11,482009,2024-10-19,2024-10-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.23}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.15}, {""feature"": ""Time since last delinquency"", ""value"": 0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}]"
CUST0022,2025-06-30,149,High Risk,477379,36782,3950,15.49,484281,2024-11-26,2024-11-08,Irregular Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.43}, {""feature"": ""Time since last delinquency"", ""value"": 0.34}, {""feature"": ""Credit Utilization"", ""value"": 0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.18}]"
CUST0022,2025-07-31,174,High Risk,477379,36782,0,15.35,490476,,2024-12-08,Non Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.14}, {""feature"": ""Month on Book"", ""value"": 0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}, {""feature"": ""Payment Ratio"", ""value"": 0.07}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}]"
CUST0022,2025-08-31,891,Low Risk,477379,36782,3344,15.77,493578,2025-01-23,2025-01-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.03}, {""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Payment Ratio"", ""value"": -0.02}, {""feature"": ""Credit Utilization"", ""value"": -0.02}]"
CUST0022,2025-09-28,237,High Risk,477379,36782,5183,15.92,494943,2025-02-22,2025-02-08,Irregular Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": -0.18}, {""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Month on Book"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}]"
CUST0022,2025-10-31,682,Low Risk,477379,36782,0,15.02,501138,,2025-03-08,Non Payer,90+ DPD,Delinquent,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.2}, {""feature"": ""Credit Utilization"", ""value"": -0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.13}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}]"
CUST0022,2025-11-30,922,Low Risk,477379,36782,0,15.58,507644,,2025-04-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.23}, {""feature"": ""Credit Utilization"", ""value"": -0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.09}]"
CUST0022,2025-12-31,161,High Risk,477379,36782,5901,15.15,508152,2025-05-26,2025-05-08,Irregular Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.46}, {""feature"": ""Time since last delinquency"", ""value"": 0.37}, {""feature"": ""Credit Utilization"", ""value"": 0.29}, {""feature"": ""Month on Book"", ""value"": 0.24}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.19}]"
CUST0022,2026-01-31,654,Low Risk,477379,36782,5949,16.92,509368,2025-06-22,2025-06-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.35}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.28}, {""feature"": ""Month on Book"", ""value"": -0.22}, {""feature"": ""Time since last delinquency"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.14}]"
CUST0023,2025-02-28,873,Low Risk,124447,12440,6881,15.97,119222,2024-07-20,2024-07-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.33}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.26}, {""feature"": ""Credit Utilization"", ""value"": -0.21}, {""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Month on Book"", ""value"": -0.14}]"
CUST0023,2025-03-31,588,Medium Risk,124447,12440,7484,15.59,113287,2024-08-08,2024-08-08,On Time,60+ DPD,Delinquent,Monitor,"[{""feature"": ""Month on Book"", ""value"": -0.05}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Payment Ratio"", ""value"": -0.03}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}]"
CUST0023,2025-04-30,281,High Risk,124447,12440,9138,15.02,105567,2024-10-07,2024-09-08,Irregular Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Credit Utilization"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}]"
CUST0023,2025-05-31,852,Low Risk,124447,12440,4770,16.81,102275,2024-11-01,2024-10-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.29}, {""feature"": ""Month on Book"", ""value"": 0.23}, {""feature"": ""Payment Ratio"", ""value"": 0.19}, {""feature"": ""Credit Utilization"", ""value"": 0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.12}]"
CUST0023,2025-06-30,621,Medium Risk,124447,12440,4115,16.6,99575,2024-11-28,2024-11-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.56}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.45}, {""feature"": ""Credit Utilization"", ""value"": 0.36}, {""feature"": ""Time since last delinquency"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.23}]"
CUST0023,2025-07-31,635,Medium Risk,124447,12440,2591,15.5,98270,2024-12-28,2024-12-08,Irregular Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.59}, {""feature"": ""Time since last delinquency"", ""value"": 0.47}, {""feature"": ""Month on Book"", ""value"": 0.38}, {""feature"": ""Credit Utilization"", ""value"": 0.3}, {""feature"": ""Payment Ratio"", ""value"": 0.24}]"
CUST0023,2025-08-31,925,Low Risk,124447,12440,8222,16.25,91379,2025-01-17,2025-01-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.37}, {""feature"": ""Payment Ratio"", ""value"": 0.3}, {""feature"": ""Time since last delinquency"", ""value"": 0.24}, {""feature"": ""Credit Utilization"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}]"
CUST0023,2025-09-28,34,High Risk,124447,12440,5835,16.16,86775,2025-02-10,2025-02-08,On Time,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.35}, {""feature"": ""Month on Book"", ""value"": 0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.18}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}]"
CUST0023,2025-10-31,334,High Risk,124447,12440,3165,16.49,84802,2025-03-14,2025-03-08,Late Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": -0.07}, {""feature"": ""Month on Book"", ""value"": -0.06}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.04}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}]"
CUST0023,2025-11-30,805,Low Risk,124447,12440,9221,16.08,76717,2025-04-24,2025-04-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.28}, {""feature"": ""Credit Utilization"", ""value"": -0.22}, {""feature"": ""Payment Ratio"", ""value"": -0.18}, {""feature"": ""Month on Book"", ""value"": -0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.11}]"
CUST0023,2025-12-31,935,Low Risk,124447,12440,8894,15.55,68818,2025-05-16,2025-05-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.0}, {""feature"": ""Payment Ratio"", ""value"": -0.0}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.0}, {""feature"": ""Time since last delinquency"", ""value"": -0.0}, {""feature"": ""Credit Utilization"", ""value"": -0.0}]"
CUST0023,2026-01-31,990,Low Risk,124447,12440,2886,16.61,66884,2025-07-03,2025-06-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.49}, {""feature"": ""Month on Book"", ""value"": 0.39}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.31}, {""feature"": ""Payment Ratio"", ""value"": 0.25}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}]"
CUST0024,2025-02-28,144,High Risk,265540,26061,7511,16.51,261682,2024-08-04,2024-07-08,Irregular Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.04}, {""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.03}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}, {""feature"": ""Credit Utilization"", ""value"": -0.02}]"
CUST0024,2025-03-31,990,Low Risk,265540,26061,0,16.69,265321,,2024-08-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.54}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.43}, {""feature"": ""Month on Book"", ""value"": 0.35}, {""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}]"
CUST0024,2025-04-30,374,Medium Risk,265540,26061,5332,15.18,263346,2024-09-08,2024-09-08,On Time,30+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.39}, {""feature"": ""Time since last delinquency"", ""value"": 0.31}, {""feature"": ""Credit Utilization"", ""value"": 0.25}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.2}, {""feature"": ""Month on Book"", ""value"": 0.16}]"
CUST0024,2025-05-31,549,Medium Risk,265540,26061,5295,15.25,261397,2024-10-29,2024-10-08,Irregular Payer,180+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.12}, {""feature"": ""Month on Book"", ""value"": 0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.08}, {""feature"": ""Payment Ratio"", ""value"": 0.06}, {""feature"": ""Credit Utilization"", ""value"": 0.05}]"
CUST0024,2025-06-30,598,Medium Risk,265540,26061,4830,15.76,260000,2024-11-11,2024-11-08,On Time,150+ DPD,Delinquent,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Month on Book"", ""value"": 0.12}, {""feature"": ""Credit Utilization"", ""value"": 0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.07}]"
CUST0024,2025-07-31,482,Medium Risk,265540,26061,0,15.05,263261,,2024-12-08,Non Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Time since last delinquency"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.07}, {""feature"": ""Month on Book"", ""value"": 0.05}]"
CUST0024,2025-08-31,335,High Risk,265540,26061,2035,16.83,264919,2025-01-28,2025-01-08,Irregular Payer,120+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.39}, {""feature"": ""Payment Ratio"", ""value"": 0.31}, {""feature"": ""Month on Book"", ""value"": 0.25}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}, {""feature"": ""Credit Utilization"", ""value"": 0.16}]"
CUST0024,2025-09-28,650,Medium Risk,265540,26061,7689,16.65,260905,2025-02-28,2025-02-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.47}, {""feature"": ""Credit Utilization"", ""value"": 0.38}, {""feature"": ""Time since last delinquency"", ""value"": 0.3}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}, {""feature"": ""Payment Ratio"", ""value"": 0.19}]"
CUST0024,2025-10-31,119,High Risk,265540,26061,9071,15.28,255157,2025-03-17,2025-03-08,Late Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.38}, {""feature"": ""Month on Book"", ""value"": 0.3}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Credit Utilization"", ""value"": 0.16}]"
CUST0024,2025-11-30,118,High Risk,265540,26061,0,15.19,258386,,2025-04-08,Non Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.07}, {""feature"": ""Month on Book"", ""value"": 0.06}, {""feature"": ""Credit Utilization"", ""value"": 0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Payment Ratio"", ""value"": 0.03}]"
CUST0024,2025-12-31,138,High Risk,265540,26061,9850,15.78,251934,2025-05-29,2025-05-08,Irregular Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Credit Utilization"", ""value"": -0.06}, {""feature"": ""Month on Book"", ""value"": -0.05}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.03}]"
CUST0024,2026-01-31,429,Medium Risk,265540,26061,7797,16.17,247532,2025-07-06,2025-06-08,Irregular Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}, {""feature"": ""Month on Book"", ""value"": 0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}]"
CUST0025,2025-02-28,501,Medium Risk,363367,19967,7070,16.23,361211,2024-07-09,2024-07-08,On Time,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": -0.22}, {""feature"": ""Time since last delinquency"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.11}, {""feature"": ""Credit Utilization"", ""value"": -0.09}]"
CUST0025,2025-03-31,222,High Risk,363367,19967,6942,15.89,359052,2024-09-04,2024-08-08,Irregular Payer,60+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.01}]"
CUST0025,2025-04-30,101,High Risk,363367,19967,6876,16.96,357251,2024-09-25,2024-09-08,Irregular Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.45}, {""feature"": ""Month on Book"", ""value"": 0.36}, {""feature"": ""Payment Ratio"", ""value"": 0.29}, {""feature"": ""Credit Utilization"", ""value"": 0.23}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}]"
CUST0025,2025-05-31,62,High Risk,363367,19967,8450,15.8,353504,2024-10-11,2024-10-08,On Time,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.54}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.43}, {""feature"": ""Month on Book"", ""value"": 0.35}, {""feature"": ""Credit Utilization"", ""value"": 0.28}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}]"
CUST0025,2025-06-30,93,High Risk,363367,19967,0,16.33,358315,,2024-11-08,Non Payer,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.08}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}, {""feature"": ""Month on Book"", ""value"": 0.05}, {""feature"": ""Credit Utilization"", ""value"": 0.04}, {""feature"": ""Payment Ratio"", ""value"": 0.03}]"
CUST0025,2025-07-31,994,Low Risk,363367,19967,3063,15.04,359743,2024-12-15,2024-12-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.13}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Month on Book"", ""value"": -0.07}]"
CUST0025,2025-08-31,805,Low Risk,363367,19967,4394,16.13,360185,2025-02-03,2025-01-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.31}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.25}, {""feature"": ""Credit Utilization"", ""value"": -0.2}, {""feature"": ""Time since last delinquency"", ""value"": -0.16}, {""feature"": ""Payment Ratio"", ""value"": -0.13}]"
CUST0025,2025-09-28,600,Medium Risk,363367,19967,3417,15.43,361399,2025-02-18,2025-02-08,Late Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.02}]"
CUST0025,2025-10-31,807,Low Risk,363367,19967,3370,16.8,363089,2025-03-16,2025-03-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.28}, {""feature"": ""Month on Book"", ""value"": -0.22}, {""feature"": ""Payment Ratio"", ""value"": -0.18}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.11}]"
CUST0025,2025-11-30,133,High Risk,363367,19967,1422,16.08,366532,2025-04-11,2025-04-08,On Time,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}, {""feature"": ""Month on Book"", ""value"": 0.06}, {""feature"": ""Credit Utilization"", ""value"": 0.05}]"
CUST0025,2025-12-31,134,High Risk,363367,19967,6304,15.03,364819,2025-05-26,2025-05-08,Irregular Payer,150+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": -0.27}, {""feature"": ""Month on Book"", ""value"": -0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.17}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.11}]"
CUST0025,2026-01-31,16,High Risk,363367,19967,7897,15.35,361588,2025-06-12,2025-06-08,Late Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.2}, {""feature"": ""Payment Ratio"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}]"
CUST0026,2025-02-28,65,High Risk,295820,16471,2786,15.95,296965,2024-07-24,2024-07-08,Irregular Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.07}, {""feature"": ""Month on Book"", ""value"": -0.06}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.03}]"
CUST0026,2025-03-31,462,Medium Risk,295820,16471,0,16.01,300927,,2024-08-08,Non Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Credit Utilization"", ""value"": -0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}, {""feature"": ""Payment Ratio"", ""value"": -0.05}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}]"
CUST0026,2025-04-30,44,High Risk,295820,16471,0,16.45,305053,,2024-09-08,Non Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.21}, {""feature"": ""Payment Ratio"", ""value"": 0.17}, {""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}]"
CUST0026,2025-05-31,308,High Risk,295820,16471,8847,15.92,300253,2024-10-09,2024-10-08,On Time,0-30,Current,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.44}, {""feature"": ""Month on Book"", ""value"": 0.35}, {""feature"": ""Time since last delinquency"", ""value"": 0.28}, {""feature"": ""Credit Utilization"", ""value"": 0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}]"
CUST0026,2025-06-30,867,Low Risk,295820,16471,8267,15.8,295939,2024-11-23,2024-11-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.48}, {""feature"": ""Credit Utilization"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.31}, {""feature"": ""Payment Ratio"", ""value"": 0.25}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}]"
CUST0026,2025-07-31,75,High Risk,295820,16471,3430,16.8,296652,2024-12-27,2024-12-08,Irregular Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.41}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.33}, {""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Time since last delinquency"", ""value"": 0.21}, {""feature"": ""Month on Book"", ""value"": 0.17}]"
CUST0026,2025-08-31,67,High Risk,295820,16471,0,15.25,300422,,2025-01-08,Non Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Payment Ratio"", ""value"": 0.21}, {""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.13}, {""feature"": ""Time since last delinquency"", ""value"": 0.11}]"
CUST0026,2025-09-28,648,Medium Risk,295820,16471,9692,16.17,294778,2025-02-20,2025-02-08,Irregular Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Payment Ratio"", ""value"": 0.01}]"
CUST0026,2025-10-31,301,High Risk,295820,16471,0,15.91,298687,,2025-03-08,Non Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.23}, {""feature"": ""Payment Ratio"", ""value"": -0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Credit Utilization"", ""value"": -0.09}]"
CUST0026,2025-11-30,440,Medium Risk,295820,16471,4522,15.2,297948,2025-05-05,2025-04-08,Irregular Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": 0.35}, {""feature"": ""Month on Book"", ""value"": 0.28}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.14}]"
CUST0026,2025-12-31,440,Medium Risk,295820,16471,6553,15.9,295343,2025-05-21,2025-05-08,Irregular Payer,150+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}, {""feature"": ""Payment Ratio"", ""value"": -0.05}, {""feature"": ""Month on Book"", ""value"": -0.04}]"
CUST0026,2026-01-31,847,Low Risk,295820,16471,2557,15.91,296702,2025-07-01,2025-06-08,Irregular Payer,30+ DPD,Delinquent,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.2}, {""feature"": ""Month on Book"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}]"
CUST0027,2025-02-28,681,Low Risk,183865,13116,8770,15.51,177471,2024-07-29,2024-07-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}, {""feature"": ""Credit Utilization"", ""value"": -0.01}, {""feature"": ""Time since last delinquency"", ""value"": -0.01}, {""feature"": ""Month on Book"", ""value"": -0.01}]"
CUST0027,2025-03-31,68,High Risk,183865,13116,8075,15.18,171641,2024-08-10,2024-08-08,On Time,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Payment Ratio"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.0}]"
CUST0027,2025-04-30,98,High Risk,183865,13116,3131,16.49,170869,2024-10-03,2024-09-08,Irregular Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.35}, {""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.14}]"
CUST0027,2025-05-31,569,Medium Risk,183865,13116,0,15.12,173022,,2024-10-08,Non Payer,30+ DPD,Delinquent,Monitor,"[{""feature"": ""Month on Book"", ""value"": -0.23}, {""feature"": ""Payment Ratio"", ""value"": -0.18}, {""feature"": ""Time since last delinquency"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}]"
CUST0027,2025-06-30,575,Medium Risk,183865,13116,6793,15.66,168486,2024-11-21,2024-11-08,Irregular Payer,60+ DPD,Delinquent,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.5}, {""feature"": ""Time since last delinquency"", ""value"": 0.4}, {""feature"": ""Payment Ratio"", ""value"": 0.32}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.2}]"
CUST0027,2025-07-31,894,Low Risk,183865,13116,1842,16.33,168937,2025-01-04,2024-12-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.45}, {""feature"": ""Time since last delinquency"", ""value"": 0.36}, {""feature"": ""Credit Utilization"", ""value"": 0.29}, {""feature"": ""Month on Book"", ""value"": 0.23}, {""feature"": ""Payment Ratio"", ""value"": 0.18}]"
CUST0027,2025-08-31,991,Low Risk,183865,13116,2697,15.58,168434,2025-01-19,2025-01-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.08}, {""feature"": ""Credit Utilization"", ""value"": -0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.05}, {""feature"": ""Payment Ratio"", ""value"": -0.04}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}]"
CUST0027,2025-09-28,591,Medium Risk,183865,13116,8900,16.01,161781,2025-03-01,2025-02-08,Irregular Payer,180+ DPD,Delinquent,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": -0.35}, {""feature"": ""Month on Book"", ""value"": -0.28}, {""feature"": ""Credit Utilization"", ""value"": -0.22}, {""feature"": ""Payment Ratio"", ""value"": -0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}]"
CUST0027,2025-10-31,229,High Risk,183865,13116,7022,16.69,157009,2025-04-04,2025-03-08,Irregular Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": -0.23}, {""feature"": ""Month on Book"", ""value"": -0.18}, {""feature"": ""Time since last delinquency"", ""value"": -0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.09}]"
CUST0027,2025-11-30,117,High Risk,183865,13116,0,16.53,159172,,2025-04-08,Non Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}, {""feature"": ""Credit Utilization"", ""value"": -0.07}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}]"
CUST0027,2025-12-31,231,High Risk,183865,13116,0,16.61,161375,,2025-05-08,Non Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Month on Book"", ""value"": 0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.02}]"
CUST0027,2026-01-31,997,Low Risk,183865,13116,0,16.53,163598,,2025-06-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.35}, {""feature"": ""Month on Book"", ""value"": 0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.14}]"
CUST0028,2025-02-28,570,Medium Risk,341689,28616,3955,15.05,342019,2024-07-08,2024-07-08,On Time,60+ DPD,Delinquent,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.46}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.37}, {""feature"": ""Payment Ratio"", ""value"": 0.29}, {""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}]"
CUST0028,2025-03-31,279,High Risk,341689,28616,6567,16.41,340129,2024-09-06,2024-08-08,Irregular Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.06}, {""feature"": ""Payment Ratio"", ""value"": -0.05}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}, {""feature"": ""Credit Utilization"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}]"
CUST0028,2025-04-30,359,Medium Risk,341689,28616,7566,15.01,336817,2024-09-26,2024-09-08,Irregular Payer,90+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.03}, {""feature"": ""Month on Book"", ""value"": -0.02}, {""feature"": ""Payment Ratio"", ""value"": -0.02}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}, {""feature"": ""Credit Utilization"", ""value"": -0.01}]"
CUST0028,2025-05-31,71,High Risk,341689,28616,9691,15.28,331415,2024-10-10,2024-10-08,On Time,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.24}, {""feature"": ""Credit Utilization"", ""value"": -0.19}, {""feature"": ""Time since last delinquency"", ""value"": -0.15}, {""feature"": ""Payment Ratio"", ""value"": -0.12}, {""feature"": ""Month on Book"", ""value"": -0.1}]"
CUST0028,2025-06-30,220,High Risk,341689,28616,0,15.75,335765,,2024-11-08,Non Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.41}, {""feature"": ""Month on Book"", ""value"": 0.33}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.21}, {""feature"": ""Payment Ratio"", ""value"": 0.17}]"
CUST0028,2025-07-31,349,High Risk,341689,28616,6314,15.31,333735,2024-12-31,2024-12-08,Irregular Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": 0.14}, {""feature"": ""Time since last delinquency"", ""value"": 0.11}, {""feature"": ""Payment Ratio"", ""value"": 0.09}, {""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.06}]"
CUST0028,2025-08-31,795,Low Risk,341689,28616,0,16.88,338429,,2025-01-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.21}, {""feature"": ""Time since last delinquency"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.13}, {""feature"": ""Credit Utilization"", ""value"": -0.11}, {""feature"": ""Payment Ratio"", ""value"": -0.09}]"
CUST0028,2025-09-28,86,High Risk,341689,28616,1815,16.77,341344,2025-02-13,2025-02-08,Late Payer,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.32}, {""feature"": ""Month on Book"", ""value"": -0.26}, {""feature"": ""Credit Utilization"", ""value"": -0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}]"
CUST0028,2025-10-31,690,Low Risk,341689,28616,0,15.16,345656,,2025-03-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.27}, {""feature"": ""Time since last delinquency"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.11}]"
CUST0028,2025-11-30,677,Low Risk,341689,28616,0,15.85,350222,,2025-04-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.16}, {""feature"": ""Time since last delinquency"", ""value"": 0.13}, {""feature"": ""Payment Ratio"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Credit Utilization"", ""value"": 0.07}]"
CUST0028,2025-12-31,452,Medium Risk,341689,28616,9394,15.83,345448,2025-06-01,2025-05-08,Irregular Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.33}, {""feature"": ""Time since last delinquency"", ""value"": 0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.21}, {""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.14}]"
CUST0028,2026-01-31,116,High Risk,341689,28616,8972,15.69,340993,2025-06-17,2025-06-08,Late Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.5}, {""feature"": ""Time since last delinquency"", ""value"": 0.4}, {""feature"": ""Month on Book"", ""value"": 0.32}, {""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Payment Ratio"", ""value"": 0.2}]"
CUST0029,2025-02-28,46,High Risk,296265,24695,0,15.44,300076,,2024-07-08,Non Payer,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.44}, {""feature"": ""Month on Book"", ""value"": 0.35}, {""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Credit Utilization"", ""value"": 0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}]"
CUST0029,2025-03-31,56,High Risk,296265,24695,3248,15.02,300584,2024-08-14,2024-08-08,Late Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.07}, {""feature"": ""Payment Ratio"", ""value"": -0.06}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Month on Book"", ""value"": -0.04}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}]"
CUST0029,2025-04-30,782,Low Risk,296265,24695,1126,15.51,303343,2024-09-11,2024-09-08,On Time,30+ DPD,Delinquent,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.29}, {""feature"": ""Payment Ratio"", ""value"": -0.23}, {""feature"": ""Time since last delinquency"", ""value"": -0.19}, {""feature"": ""Credit Utilization"", ""value"": -0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.12}]"
CUST0029,2025-05-31,509,Medium Risk,296265,24695,7229,16.49,300283,2024-10-12,2024-10-08,Late Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}, {""feature"": ""Month on Book"", ""value"": -0.06}]"
CUST0029,2025-06-30,545,Medium Risk,296265,24695,0,16.41,304389,,2024-11-08,Non Payer,120+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.54}, {""feature"": ""Month on Book"", ""value"": 0.43}, {""feature"": ""Credit Utilization"", ""value"": 0.35}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.28}, {""feature"": ""Payment Ratio"", ""value"": 0.22}]"
CUST0029,2025-07-31,572,Medium Risk,296265,24695,7505,16.67,301113,2024-12-10,2024-12-08,On Time,30+ DPD,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.16}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Month on Book"", ""value"": 0.1}, {""feature"": ""Credit Utilization"", ""value"": 0.08}]"
CUST0029,2025-08-31,882,Low Risk,296265,24695,8532,16.48,296716,2025-01-08,2025-01-08,On Time,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Month on Book"", ""value"": 0.06}, {""feature"": ""Payment Ratio"", ""value"": 0.04}, {""feature"": ""Time since last delinquency"", ""value"": 0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.03}]"
CUST0029,2025-09-28,943,Low Risk,296265,24695,8033,15.16,292432,2025-02-26,2025-02-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.44}, {""feature"": ""Time since last delinquency"", ""value"": 0.35}, {""feature"": ""Credit Utilization"", ""value"": 0.28}, {""feature"": ""Payment Ratio"", ""value"": 0.23}, {""feature"": ""Month on Book"", ""value"": 0.18}]"
CUST0029,2025-10-31,587,Medium Risk,296265,24695,2887,15.81,293397,2025-03-17,2025-03-08,Late Payer,0-30,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.29}, {""feature"": ""Credit Utilization"", ""value"": 0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}]"
CUST0029,2025-11-30,414,Medium Risk,296265,24695,8538,15.04,288537,2025-04-13,2025-04-08,Late Payer,240+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": 0.45}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.36}, {""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.23}, {""feature"": ""Credit Utilization"", ""value"": 0.18}]"
CUST0029,2025-12-31,851,Low Risk,296265,24695,8155,16.38,284320,2025-05-10,2025-05-08,On Time,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.36}, {""feature"": ""Time since last delinquency"", ""value"": 0.29}, {""feature"": ""Credit Utilization"", ""value"": 0.23}, {""feature"": ""Payment Ratio"", ""value"": 0.18}, {""feature"": ""Month on Book"", ""value"": 0.15}]"
CUST0029,2026-01-31,864,Low Risk,296265,24695,7560,15.21,280364,2025-06-26,2025-06-08,Irregular Payer,90+ DPD,Delinquent,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.18}, {""feature"": ""Credit Utilization"", ""value"": -0.15}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.09}]"
CUST0030,2025-02-28,891,Low Risk,294707,15894,6456,15.62,292087,2024-07-15,2024-07-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.14}, {""feature"": ""Month on Book"", ""value"": 0.11}, {""feature"": ""Payment Ratio"", ""value"": 0.09}]"
CUST0030,2025-03-31,797,Low Risk,294707,15894,0,15.34,295820,,2024-08-08,Non Payer,60+ DPD,Delinquent,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}, {""feature"": ""Month on Book"", ""value"": -0.04}, {""feature"": ""Payment Ratio"", ""value"": -0.03}]"
CUST0030,2025-04-30,648,Medium Risk,294707,15894,0,15.23,299575,,2024-09-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.27}, {""feature"": ""Payment Ratio"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Credit Utilization"", ""value"": 0.14}, {""feature"": ""Time since last delinquency"", ""value"": 0.11}]"
CUST0030,2025-05-31,198,High Risk,294707,15894,3419,16.81,300352,2024-10-19,2024-10-08,Irregular Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.01}]"
CUST0030,2025-06-30,241,High Risk,294707,15894,3842,15.21,300317,2024-11-14,2024-11-08,Late Payer,180+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.45}, {""feature"": ""Time since last delinquency"", ""value"": 0.36}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Month on Book"", ""value"": 0.23}, {""feature"": ""Credit Utilization"", ""value"": 0.18}]"
CUST0030,2025-07-31,616,Medium Risk,294707,15894,9095,15.31,295054,2024-12-13,2024-12-08,Late Payer,0-30,Current,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": 0.57}, {""feature"": ""Month on Book"", ""value"": 0.46}, {""feature"": ""Time since last delinquency"", ""value"": 0.36}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.23}]"
CUST0030,2025-08-31,475,Medium Risk,294707,15894,0,16.51,299113,,2025-01-08,Non Payer,240+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": 0.47}, {""feature"": ""Credit Utilization"", ""value"": 0.38}, {""feature"": ""Time since last delinquency"", ""value"": 0.3}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}, {""feature"": ""Payment Ratio"", ""value"": 0.19}]"
CUST0030,2025-09-28,459,Medium Risk,294707,15894,0,16.36,303191,,2025-02-08,Non Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": -0.26}, {""feature"": ""Time since last delinquency"", ""value"": -0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.17}, {""feature"": ""Month on Book"", ""value"": -0.13}, {""feature"": ""Payment Ratio"", ""value"": -0.11}]"
CUST0030,2025-10-31,658,Low Risk,294707,15894,0,16.27,307302,,2025-03-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.01}, {""feature"": ""Payment Ratio"", ""value"": 0.01}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.0}]"
CUST0030,2025-11-30,330,High Risk,294707,15894,8205,16.73,303381,2025-04-12,2025-04-08,Late Payer,60+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.18}, {""feature"": ""Month on Book"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}, {""feature"": ""Time since last delinquency"", ""value"": 0.07}]"
CUST0030,2025-12-31,69,High Risk,294707,15894,5500,15.94,301911,2025-06-02,2025-05-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.34}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.27}, {""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.14}]"
CUST0030,2026-01-31,605,Medium Risk,294707,15894,0,15.11,305713,,2025-06-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.5}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.4}, {""feature"": ""Time since last delinquency"", ""value"": 0.32}, {""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Payment Ratio"", ""value"": 0.2}]"
CUST0031,2025-02-28,462,Medium Risk,58897,3858,5703,15.08,53934,2024-08-03,2024-07-08,Irregular Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.54}, {""feature"": ""Month on Book"", ""value"": 0.43}, {""feature"": ""Credit Utilization"", ""value"": 0.35}, {""feature"": ""Time since last delinquency"", ""value"": 0.28}, {""feature"": ""Payment Ratio"", ""value"": 0.22}]"
CUST0031,2025-03-31,78,High Risk,58897,3858,9307,16.29,45359,2024-08-27,2024-08-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.35}, {""feature"": ""Credit Utilization"", ""value"": 0.28}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}, {""feature"": ""Month on Book"", ""value"": 0.14}]"
CUST0031,2025-04-30,393,Medium Risk,58897,3858,0,15.93,45961,,2024-09-08,Non Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": 0.35}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.28}, {""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.14}]"
CUST0031,2025-05-31,977,Low Risk,58897,3858,4084,16.58,42512,2024-10-22,2024-10-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.57}, {""feature"": ""Time since last delinquency"", ""value"": 0.46}, {""feature"": ""Credit Utilization"", ""value"": 0.36}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.23}]"
CUST0031,2025-06-30,329,High Risk,58897,3858,0,16.21,43086,,2024-11-08,Non Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": -0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}, {""feature"": ""Credit Utilization"", ""value"": -0.07}, {""feature"": ""Month on Book"", ""value"": -0.05}]"
CUST0031,2025-07-31,154,High Risk,58897,3858,0,16.92,43694,,2024-12-08,Non Payer,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.36}, {""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Time since last delinquency"", ""value"": 0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.15}]"
CUST0031,2025-08-31,105,High Risk,58897,3858,2381,16.62,41918,2025-01-30,2025-01-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.11}, {""feature"": ""Time since last delinquency"", ""value"": 0.09}, {""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Month on Book"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}]"
CUST0031,2025-09-28,516,Medium Risk,58897,3858,8172,16.29,34315,2025-02-15,2025-02-08,Late Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.41}, {""feature"": ""Credit Utilization"", ""value"": 0.33}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.21}, {""feature"": ""Payment Ratio"", ""value"": 0.17}]"
CUST0031,2025-10-31,449,Medium Risk,58897,3858,0,16.05,34774,,2025-03-08,Non Payer,150+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": 0.19}, {""feature"": ""Credit Utilization"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Time since last delinquency"", ""value"": 0.08}]"
CUST0031,2025-11-30,162,High Risk,58897,3858,7697,15.73,27533,2025-04-20,2025-04-08,Irregular Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.24}, {""feature"": ""Month on Book"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}, {""feature"": ""Credit Utilization"", ""value"": 0.1}]"
CUST0031,2025-12-31,793,Low Risk,58897,3858,0,15.68,27893,,2025-05-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.48}, {""feature"": ""Month on Book"", ""value"": 0.38}, {""feature"": ""Credit Utilization"", ""value"": 0.31}, {""feature"": ""Payment Ratio"", ""value"": 0.25}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.2}]"
CUST0031,2026-01-31,53,High Risk,58897,3858,6401,16.58,21877,2025-06-10,2025-06-08,On Time,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.31}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.25}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}, {""feature"": ""Month on Book"", ""value"": 0.13}]"
CUST0032,2025-02-28,395,Medium Risk,69548,5417,0,15.57,70450,,2024-07-08,Non Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Payment Ratio"", ""value"": 0.06}, {""feature"": ""Time since last delinquency"", ""value"": 0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}]"
CUST0032,2025-03-31,894,Low Risk,69548,5417,3317,15.3,68031,2024-08-26,2024-08-08,Irregular Payer,240+ DPD,Delinquent,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.24}, {""feature"": ""Time since last delinquency"", ""value"": -0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Payment Ratio"", ""value"": -0.12}, {""feature"": ""Credit Utilization"", ""value"": -0.1}]"
CUST0032,2025-04-30,938,Low Risk,69548,5417,2388,15.7,66533,2024-09-12,2024-09-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Month on Book"", ""value"": 0.23}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Payment Ratio"", ""value"": 0.15}, {""feature"": ""Credit Utilization"", ""value"": 0.12}]"
CUST0032,2025-05-31,317,High Risk,69548,5417,3093,16.12,64334,2024-11-03,2024-10-08,Irregular Payer,210+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": -0.07}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Month on Book"", ""value"": -0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.03}]"
CUST0032,2025-06-30,686,Low Risk,69548,5417,0,16.41,65214,,2024-11-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.14}, {""feature"": ""Month on Book"", ""value"": -0.11}, {""feature"": ""Credit Utilization"", ""value"": -0.09}, {""feature"": ""Time since last delinquency"", ""value"": -0.07}, {""feature"": ""Payment Ratio"", ""value"": -0.06}]"
CUST0032,2025-07-31,95,High Risk,69548,5417,6928,16.29,59171,2024-12-24,2024-12-08,Irregular Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.08}, {""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}, {""feature"": ""Time since last delinquency"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.03}]"
CUST0032,2025-08-31,18,High Risk,69548,5417,6598,15.73,53349,2025-01-14,2025-01-08,Late Payer,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}, {""feature"": ""Month on Book"", ""value"": 0.13}, {""feature"": ""Credit Utilization"", ""value"": 0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.08}]"
CUST0032,2025-09-28,970,Low Risk,69548,5417,3253,16.53,50831,2025-02-15,2025-02-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.09}, {""feature"": ""Month on Book"", ""value"": 0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.06}, {""feature"": ""Credit Utilization"", ""value"": 0.05}, {""feature"": ""Payment Ratio"", ""value"": 0.04}]"
CUST0032,2025-10-31,158,High Risk,69548,5417,9843,15.15,41629,2025-03-24,2025-03-08,Irregular Payer,150+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.0}, {""feature"": ""Time since last delinquency"", ""value"": -0.0}, {""feature"": ""Payment Ratio"", ""value"": -0.0}, {""feature"": ""Month on Book"", ""value"": -0.0}, {""feature"": ""Credit Utilization"", ""value"": -0.0}]"
CUST0032,2025-11-30,855,Low Risk,69548,5417,0,16.48,42201,,2025-04-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}, {""feature"": ""Credit Utilization"", ""value"": -0.07}, {""feature"": ""Payment Ratio"", ""value"": -0.06}, {""feature"": ""Month on Book"", ""value"": -0.05}]"
CUST0032,2025-12-31,38,High Risk,69548,5417,0,16.32,42775,,2025-05-08,Non Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.36}, {""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Credit Utilization"", ""value"": 0.23}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.15}]"
CUST0032,2026-01-31,134,High Risk,69548,5417,3962,16.19,39390,2025-06-13,2025-06-08,Late Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Credit Utilization"", ""value"": -0.08}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Time since last delinquency"", ""value"": -0.05}]"
CUST0033,2025-02-28,639,Medium Risk,455864,38585,8170,16.62,454007,2024-07-31,2024-07-08,Irregular Payer,240+ DPD,Delinquent,Monitor,"[{""feature"": ""Month on Book"", ""value"": -0.11}, {""feature"": ""Credit Utilization"", ""value"": -0.09}, {""feature"": ""Payment Ratio"", ""value"": -0.07}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.05}]"
CUST0033,2025-03-31,44,High Risk,455864,38585,5668,15.82,454325,2024-08-22,2024-08-08,Irregular Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.06}, {""feature"": ""Time since last delinquency"", ""value"": 0.05}, {""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}]"
CUST0033,2025-04-30,770,Low Risk,455864,38585,0,16.5,460572,,2024-09-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.05}, {""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.03}, {""feature"": ""Credit Utilization"", ""value"": 0.02}]"
CUST0033,2025-05-31,239,High Risk,455864,38585,8684,16.07,458055,2024-11-02,2024-10-08,Irregular Payer,150+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.33}, {""feature"": ""Time since last delinquency"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.14}]"
CUST0033,2025-06-30,925,Low Risk,455864,38585,8218,16.67,456201,2024-11-29,2024-11-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.03}, {""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}]"
CUST0033,2025-07-31,472,Medium Risk,455864,38585,9641,16.54,452847,2024-12-24,2024-12-08,Irregular Payer,60+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.12}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}, {""feature"": ""Credit Utilization"", ""value"": -0.08}, {""feature"": ""Month on Book"", ""value"": -0.06}, {""feature"": ""Payment Ratio"", ""value"": -0.05}]"
CUST0033,2025-08-31,428,Medium Risk,455864,38585,3267,16.93,455969,2025-02-02,2025-01-08,Irregular Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Time since last delinquency"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Payment Ratio"", ""value"": 0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}]"
CUST0033,2025-09-28,893,Low Risk,455864,38585,0,15.5,461859,,2025-02-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Month on Book"", ""value"": 0.23}, {""feature"": ""Credit Utilization"", ""value"": 0.19}, {""feature"": ""Time since last delinquency"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}]"
CUST0033,2025-10-31,895,Low Risk,455864,38585,9452,15.74,458465,2025-03-30,2025-03-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.49}, {""feature"": ""Credit Utilization"", ""value"": 0.39}, {""feature"": ""Month on Book"", ""value"": 0.31}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.25}, {""feature"": ""Payment Ratio"", ""value"": 0.2}]"
CUST0033,2025-11-30,871,Low Risk,455864,38585,3626,15.25,460665,2025-05-02,2025-04-08,Irregular Payer,120+ DPD,Delinquent,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.01}, {""feature"": ""Payment Ratio"", ""value"": -0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.01}, {""feature"": ""Month on Book"", ""value"": -0.01}, {""feature"": ""Time since last delinquency"", ""value"": -0.0}]"
CUST0033,2025-12-31,279,High Risk,455864,38585,0,15.9,466769,,2025-05-08,Non Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.57}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.46}, {""feature"": ""Payment Ratio"", ""value"": 0.36}, {""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Credit Utilization"", ""value"": 0.23}]"
CUST0033,2026-01-31,150,High Risk,455864,38585,4637,16.66,468613,2025-07-07,2025-06-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Time since last delinquency"", ""value"": -0.05}]"
CUST0034,2025-02-28,357,Medium Risk,448187,32518,7495,16.86,446989,2024-07-09,2024-07-08,On Time,30+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}, {""feature"": ""Credit Utilization"", ""value"": -0.06}, {""feature"": ""Time since last delinquency"", ""value"": -0.05}]"
CUST0034,2025-03-31,514,Medium Risk,448187,32518,7142,15.75,445713,2024-08-10,2024-08-08,On Time,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.25}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Month on Book"", ""value"": 0.13}, {""feature"": ""Payment Ratio"", ""value"": 0.1}]"
CUST0034,2025-04-30,229,High Risk,448187,32518,6493,15.06,444814,2024-10-04,2024-09-08,Irregular Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}, {""feature"": ""Credit Utilization"", ""value"": 0.04}, {""feature"": ""Payment Ratio"", ""value"": 0.03}]"
CUST0034,2025-05-31,810,Low Risk,448187,32518,8740,15.29,441742,2024-10-17,2024-10-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.13}, {""feature"": ""Credit Utilization"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Payment Ratio"", ""value"": 0.07}]"
CUST0034,2025-06-30,712,Low Risk,448187,32518,0,16.66,447874,,2024-11-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.3}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Credit Utilization"", ""value"": 0.15}, {""feature"": ""Month on Book"", ""value"": 0.12}]"
CUST0034,2025-07-31,459,Medium Risk,448187,32518,5193,16.23,448739,2024-12-08,2024-12-08,On Time,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.41}, {""feature"": ""Payment Ratio"", ""value"": 0.33}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.21}, {""feature"": ""Month on Book"", ""value"": 0.17}]"
CUST0034,2025-08-31,220,High Risk,448187,32518,0,16.67,454973,,2025-01-08,Non Payer,60+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.27}, {""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.11}]"
CUST0034,2025-09-28,962,Low Risk,448187,32518,0,16.45,461210,,2025-02-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.05}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}, {""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Credit Utilization"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}]"
CUST0034,2025-10-31,433,Medium Risk,448187,32518,5934,15.22,461125,2025-03-15,2025-03-08,Late Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": -0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.12}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Credit Utilization"", ""value"": -0.08}, {""feature"": ""Payment Ratio"", ""value"": -0.06}]"
CUST0034,2025-11-30,124,High Risk,448187,32518,8489,15.1,458439,2025-04-28,2025-04-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.54}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.43}, {""feature"": ""Credit Utilization"", ""value"": 0.35}, {""feature"": ""Time since last delinquency"", ""value"": 0.28}, {""feature"": ""Month on Book"", ""value"": 0.22}]"
CUST0034,2025-12-31,64,High Risk,448187,32518,0,15.22,464253,,2025-05-08,Non Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}, {""feature"": ""Month on Book"", ""value"": 0.05}]"
CUST0034,2026-01-31,611,Medium Risk,448187,32518,0,16.07,470471,,2025-06-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Month on Book"", ""value"": -0.11}, {""feature"": ""Payment Ratio"", ""value"": -0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}]"
CUST0035,2025-02-28,147,High Risk,321490,19963,6780,15.58,318884,2024-07-27,2024-07-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.13}, {""feature"": ""Time since last delinquency"", ""value"": 0.1}, {""feature"": ""Credit Utilization"", ""value"": 0.08}]"
CUST0035,2025-03-31,246,High Risk,321490,19963,2402,16.14,320771,2024-08-29,2024-08-08,Irregular Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.52}, {""feature"": ""Credit Utilization"", ""value"": 0.42}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.33}, {""feature"": ""Month on Book"", ""value"": 0.27}, {""feature"": ""Time since last delinquency"", ""value"": 0.21}]"
CUST0035,2025-04-30,536,Medium Risk,321490,19963,9914,16.95,315387,2024-09-24,2024-09-08,Irregular Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": 0.34}, {""feature"": ""Payment Ratio"", ""value"": 0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.17}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}]"
CUST0035,2025-05-31,519,Medium Risk,321490,19963,0,16.57,319742,,2024-10-08,Non Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.31}, {""feature"": ""Payment Ratio"", ""value"": 0.25}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Month on Book"", ""value"": 0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.13}]"
CUST0035,2025-06-30,567,Medium Risk,321490,19963,0,15.04,323750,,2024-11-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.08}, {""feature"": ""Month on Book"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}, {""feature"": ""Payment Ratio"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.03}]"
CUST0035,2025-07-31,44,High Risk,321490,19963,1266,16.27,326873,2024-12-16,2024-12-08,Late Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.42}, {""feature"": ""Credit Utilization"", ""value"": 0.34}, {""feature"": ""Month on Book"", ""value"": 0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.17}]"
CUST0035,2025-08-31,365,Medium Risk,321490,19963,2698,16.58,328692,2025-01-15,2025-01-08,Late Payer,150+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": 0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.06}, {""feature"": ""Time since last delinquency"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.04}, {""feature"": ""Payment Ratio"", ""value"": 0.03}]"
CUST0035,2025-09-28,790,Low Risk,321490,19963,1726,16.16,331392,2025-02-12,2025-02-08,Late Payer,90+ DPD,Delinquent,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.36}, {""feature"": ""Time since last delinquency"", ""value"": 0.29}, {""feature"": ""Month on Book"", ""value"": 0.23}, {""feature"": ""Credit Utilization"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.15}]"
CUST0035,2025-10-31,360,Medium Risk,321490,19963,8612,16.09,327223,2025-04-03,2025-03-08,Irregular Payer,120+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": -0.35}, {""feature"": ""Payment Ratio"", ""value"": -0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.18}, {""feature"": ""Month on Book"", ""value"": -0.14}]"
CUST0035,2025-11-30,712,Low Risk,321490,19963,3209,15.96,328367,2025-05-03,2025-04-08,Irregular Payer,120+ DPD,Delinquent,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.22}, {""feature"": ""Payment Ratio"", ""value"": -0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}, {""feature"": ""Month on Book"", ""value"": -0.09}]"
CUST0035,2025-12-31,64,High Risk,321490,19963,0,16.43,332862,,2025-05-08,Non Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.59}, {""feature"": ""Payment Ratio"", ""value"": 0.47}, {""feature"": ""Credit Utilization"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Month on Book"", ""value"": 0.24}]"
CUST0035,2026-01-31,37,High Risk,321490,19963,4268,15.59,332919,2025-07-03,2025-06-08,Irregular Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.14}, {""feature"": ""Time since last delinquency"", ""value"": 0.11}]"
CUST0036,2025-02-28,955,Low Risk,484409,25235,9897,15.62,480817,2024-08-03,2024-07-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.59}, {""feature"": ""Time since last delinquency"", ""value"": 0.47}, {""feature"": ""Credit Utilization"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Month on Book"", ""value"": 0.24}]"
CUST0036,2025-03-31,484,Medium Risk,484409,25235,6848,15.51,480183,2024-08-17,2024-08-08,Late Payer,30+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.53}, {""feature"": ""Credit Utilization"", ""value"": 0.42}, {""feature"": ""Month on Book"", ""value"": 0.34}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.27}, {""feature"": ""Payment Ratio"", ""value"": 0.22}]"
CUST0036,2025-04-30,882,Low Risk,484409,25235,3039,16.56,483771,2024-09-16,2024-09-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.26}, {""feature"": ""Credit Utilization"", ""value"": -0.21}, {""feature"": ""Month on Book"", ""value"": -0.17}, {""feature"": ""Payment Ratio"", ""value"": -0.13}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}]"
CUST0036,2025-05-31,818,Low Risk,484409,25235,8204,15.74,481912,2024-10-31,2024-10-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.28}, {""feature"": ""Month on Book"", ""value"": -0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.18}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.11}]"
CUST0036,2025-06-30,916,Low Risk,484409,25235,9129,16.91,479574,2024-11-13,2024-11-08,Late Payer,60+ DPD,Delinquent,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.17}, {""feature"": ""Payment Ratio"", ""value"": -0.13}, {""feature"": ""Month on Book"", ""value"": -0.11}, {""feature"": ""Credit Utilization"", ""value"": -0.09}]"
CUST0036,2025-07-31,708,Low Risk,484409,25235,0,16.0,485969,,2024-12-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.31}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.25}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}, {""feature"": ""Credit Utilization"", ""value"": 0.16}, {""feature"": ""Month on Book"", ""value"": 0.13}]"
CUST0036,2025-08-31,273,High Risk,484409,25235,8055,16.6,484636,2025-01-10,2025-01-08,On Time,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.01}]"
CUST0036,2025-09-28,616,Medium Risk,484409,25235,5813,16.99,485685,2025-02-25,2025-02-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.25}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.16}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Month on Book"", ""value"": 0.1}]"
CUST0036,2025-10-31,328,High Risk,484409,25235,5843,15.21,485998,2025-03-29,2025-03-08,Irregular Payer,180+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.52}, {""feature"": ""Payment Ratio"", ""value"": 0.42}, {""feature"": ""Month on Book"", ""value"": 0.33}, {""feature"": ""Time since last delinquency"", ""value"": 0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.21}]"
CUST0036,2025-11-30,313,High Risk,484409,25235,8272,15.89,484161,2025-04-13,2025-04-08,Late Payer,120+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.42}, {""feature"": ""Credit Utilization"", ""value"": 0.34}, {""feature"": ""Month on Book"", ""value"": 0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.17}]"
CUST0036,2025-12-31,359,Medium Risk,484409,25235,8126,15.89,482447,2025-05-27,2025-05-08,Irregular Payer,30+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.01}, {""feature"": ""Payment Ratio"", ""value"": -0.01}, {""feature"": ""Month on Book"", ""value"": -0.01}, {""feature"": ""Credit Utilization"", ""value"": -0.01}, {""feature"": ""Time since last delinquency"", ""value"": -0.0}]"
CUST0036,2026-01-31,281,High Risk,484409,25235,7655,16.28,481337,2025-06-10,2025-06-08,On Time,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.14}, {""feature"": ""Payment Ratio"", ""value"": 0.11}, {""feature"": ""Time since last delinquency"", ""value"": 0.09}]"
CUST0037,2025-02-28,767,Low Risk,210479,15923,8179,16.36,205169,2024-07-12,2024-07-08,Late Payer,60+ DPD,Delinquent,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.21}, {""feature"": ""Time since last delinquency"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.13}, {""feature"": ""Payment Ratio"", ""value"": -0.11}, {""feature"": ""Month on Book"", ""value"": -0.09}]"
CUST0037,2025-03-31,35,High Risk,210479,15923,7001,15.25,200775,2024-09-01,2024-08-08,Irregular Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.54}, {""feature"": ""Payment Ratio"", ""value"": 0.43}, {""feature"": ""Time since last delinquency"", ""value"": 0.35}, {""feature"": ""Credit Utilization"", ""value"": 0.28}, {""feature"": ""Month on Book"", ""value"": 0.22}]"
CUST0037,2025-04-30,370,Medium Risk,210479,15923,0,15.77,203414,,2024-09-08,Non Payer,90+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": -0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Month on Book"", ""value"": -0.12}, {""feature"": ""Credit Utilization"", ""value"": -0.09}]"
CUST0037,2025-05-31,33,High Risk,210479,15923,0,16.21,206162,,2024-10-08,Non Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Payment Ratio"", ""value"": -0.03}]"
CUST0037,2025-06-30,971,Low Risk,210479,15923,0,15.74,208866,,2024-11-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.08}, {""feature"": ""Month on Book"", ""value"": -0.06}, {""feature"": ""Payment Ratio"", ""value"": -0.05}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}]"
CUST0037,2025-07-31,781,Low Risk,210479,15923,7012,15.15,204491,2024-12-24,2024-12-08,Irregular Payer,120+ DPD,Delinquent,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.03}, {""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}]"
CUST0037,2025-08-31,407,Medium Risk,210479,15923,2858,15.63,204296,2025-01-15,2025-01-08,Late Payer,120+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Month on Book"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Credit Utilization"", ""value"": 0.16}]"
CUST0037,2025-09-28,26,High Risk,210479,15923,0,16.47,207100,,2025-02-08,Non Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Payment Ratio"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}, {""feature"": ""Time since last delinquency"", ""value"": 0.12}, {""feature"": ""Month on Book"", ""value"": 0.1}]"
CUST0037,2025-10-31,530,Medium Risk,210479,15923,0,15.77,209822,,2025-03-08,Non Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.01}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Payment Ratio"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.01}, {""feature"": ""Month on Book"", ""value"": 0.0}]"
CUST0037,2025-11-30,120,High Risk,210479,15923,8311,15.52,204225,2025-04-30,2025-04-08,Irregular Payer,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.17}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.11}, {""feature"": ""Payment Ratio"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}]"
CUST0037,2025-12-31,219,High Risk,210479,15923,9047,16.99,198069,2025-05-30,2025-05-08,Irregular Payer,240+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.0}, {""feature"": ""Month on Book"", ""value"": 0.0}, {""feature"": ""Time since last delinquency"", ""value"": 0.0}, {""feature"": ""Credit Utilization"", ""value"": 0.0}, {""feature"": ""Payment Ratio"", ""value"": 0.0}]"
CUST0037,2026-01-31,204,High Risk,210479,15923,3828,15.25,196758,2025-06-22,2025-06-08,Irregular Payer,60+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.27}, {""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.14}, {""feature"": ""Payment Ratio"", ""value"": 0.11}]"
CUST0038,2025-02-28,89,High Risk,491166,42077,6692,16.62,491276,2024-07-29,2024-07-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.25}, {""feature"": ""Credit Utilization"", ""value"": -0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}, {""feature"": ""Month on Book"", ""value"": -0.1}]"
CUST0038,2025-03-31,726,Low Risk,491166,42077,0,15.13,497470,,2024-08-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}, {""feature"": ""Month on Book"", ""value"": 0.11}]"
CUST0038,2025-04-30,297,High Risk,491166,42077,3852,16.78,500575,2024-09-30,2024-09-08,Irregular Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}, {""feature"": ""Time since last delinquency"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}]"
CUST0038,2025-05-31,812,Low Risk,491166,42077,4292,15.72,502840,2024-10-11,2024-10-08,On Time,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.19}, {""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Month on Book"", ""value"": -0.12}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.08}]"
CUST0038,2025-06-30,811,Low Risk,491166,42077,0,15.28,509243,,2024-11-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.29}, {""feature"": ""Time since last delinquency"", ""value"": 0.23}, {""feature"": ""Credit Utilization"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}, {""feature"": ""Month on Book"", ""value"": 0.12}]"
CUST0038,2025-07-31,26,High Risk,491166,42077,0,15.72,515914,,2024-12-08,Non Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.5}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.4}, {""feature"": ""Credit Utilization"", ""value"": 0.32}, {""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.2}]"
CUST0038,2025-08-31,377,Medium Risk,491166,42077,0,15.93,522763,,2025-01-08,Non Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": 0.47}, {""feature"": ""Credit Utilization"", ""value"": 0.38}, {""feature"": ""Payment Ratio"", ""value"": 0.3}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}]"
CUST0038,2025-09-28,132,High Risk,491166,42077,6067,16.22,523762,2025-02-10,2025-02-08,On Time,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.31}, {""feature"": ""Time since last delinquency"", ""value"": 0.25}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.2}, {""feature"": ""Month on Book"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}]"
CUST0038,2025-10-31,407,Medium Risk,491166,42077,0,17.0,531182,,2025-03-08,Non Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": 0.56}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.45}, {""feature"": ""Payment Ratio"", ""value"": 0.36}, {""feature"": ""Credit Utilization"", ""value"": 0.29}, {""feature"": ""Month on Book"", ""value"": 0.23}]"
CUST0038,2025-11-30,538,Medium Risk,491166,42077,2208,15.82,535977,2025-05-04,2025-04-08,Irregular Payer,210+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.4}, {""feature"": ""Time since last delinquency"", ""value"": 0.32}, {""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}]"
CUST0038,2025-12-31,128,High Risk,491166,42077,8632,16.94,534911,2025-05-22,2025-05-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.49}, {""feature"": ""Month on Book"", ""value"": 0.39}, {""feature"": ""Time since last delinquency"", ""value"": 0.31}, {""feature"": ""Credit Utilization"", ""value"": 0.25}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.2}]"
CUST0038,2026-01-31,696,Low Risk,491166,42077,3981,16.03,538075,2025-07-06,2025-06-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.49}, {""feature"": ""Time since last delinquency"", ""value"": 0.39}, {""feature"": ""Payment Ratio"", ""value"": 0.31}, {""feature"": ""Credit Utilization"", ""value"": 0.25}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.2}]"
CUST0039,2025-02-28,443,Medium Risk,422538,41541,3034,16.01,425141,2024-08-03,2024-07-08,Irregular Payer,150+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": 0.12}, {""feature"": ""Payment Ratio"", ""value"": 0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.08}, {""feature"": ""Month on Book"", ""value"": 0.06}, {""feature"": ""Time since last delinquency"", ""value"": 0.05}]"
CUST0039,2025-03-31,530,Medium Risk,422538,41541,6286,15.31,424279,2024-08-13,2024-08-08,Late Payer,90+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": 0.35}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.28}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.14}]"
CUST0039,2025-04-30,957,Low Risk,422538,41541,5653,16.42,424432,2024-09-24,2024-09-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.05}, {""feature"": ""Credit Utilization"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.02}]"
CUST0039,2025-05-31,866,Low Risk,422538,41541,5496,15.16,424298,2024-10-28,2024-10-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.27}, {""feature"": ""Time since last delinquency"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}, {""feature"": ""Month on Book"", ""value"": -0.11}]"
CUST0039,2025-06-30,128,High Risk,422538,41541,0,16.25,430043,,2024-11-08,Non Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.34}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.27}, {""feature"": ""Payment Ratio"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.17}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}]"
CUST0039,2025-07-31,546,Medium Risk,422538,41541,3526,15.19,431961,2024-12-26,2024-12-08,Irregular Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.33}, {""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Time since last delinquency"", ""value"": 0.21}, {""feature"": ""Payment Ratio"", ""value"": 0.17}, {""feature"": ""Month on Book"", ""value"": 0.14}]"
CUST0039,2025-08-31,175,High Risk,422538,41541,0,16.32,437836,,2025-01-08,Non Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": -0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}]"
CUST0039,2025-09-28,345,High Risk,422538,41541,0,16.69,443925,,2025-02-08,Non Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": -0.36}, {""feature"": ""Month on Book"", ""value"": -0.29}, {""feature"": ""Payment Ratio"", ""value"": -0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.18}, {""feature"": ""Credit Utilization"", ""value"": -0.15}]"
CUST0039,2025-10-31,42,High Risk,422538,41541,1744,16.65,448341,2025-03-10,2025-03-08,On Time,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.46}, {""feature"": ""Credit Utilization"", ""value"": 0.37}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.24}, {""feature"": ""Month on Book"", ""value"": 0.19}]"
CUST0039,2025-11-30,971,Low Risk,422538,41541,0,16.28,454423,,2025-04-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.55}, {""feature"": ""Month on Book"", ""value"": 0.44}, {""feature"": ""Time since last delinquency"", ""value"": 0.35}, {""feature"": ""Credit Utilization"", ""value"": 0.28}, {""feature"": ""Payment Ratio"", ""value"": 0.23}]"
CUST0039,2025-12-31,271,High Risk,422538,41541,0,16.3,460596,,2025-05-08,Non Payer,240+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.07}, {""feature"": ""Credit Utilization"", ""value"": -0.06}, {""feature"": ""Month on Book"", ""value"": -0.04}, {""feature"": ""Payment Ratio"", ""value"": -0.04}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}]"
CUST0039,2026-01-31,426,Medium Risk,422538,41541,9938,16.24,456891,2025-06-23,2025-06-08,Irregular Payer,30+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.07}, {""feature"": ""Month on Book"", ""value"": 0.06}, {""feature"": ""Time since last delinquency"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.03}]"
CUST0040,2025-02-28,309,High Risk,171871,14109,8430,15.97,165728,2024-07-17,2024-07-08,Late Payer,120+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.59}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.47}, {""feature"": ""Month on Book"", ""value"": 0.38}, {""feature"": ""Time since last delinquency"", ""value"": 0.3}, {""feature"": ""Payment Ratio"", ""value"": 0.24}]"
CUST0040,2025-03-31,74,High Risk,171871,14109,7809,16.38,160181,2024-08-22,2024-08-08,Irregular Payer,150+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.24}, {""feature"": ""Credit Utilization"", ""value"": -0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Month on Book"", ""value"": -0.12}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}]"
CUST0040,2025-04-30,495,Medium Risk,171871,14109,3353,15.93,158954,2024-09-27,2024-09-08,Irregular Payer,150+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": 0.1}, {""feature"": ""Credit Utilization"", ""value"": 0.08}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}, {""feature"": ""Month on Book"", ""value"": 0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}]"
CUST0040,2025-05-31,320,High Risk,171871,14109,6658,16.72,154511,2024-10-31,2024-10-08,Irregular Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}, {""feature"": ""Month on Book"", ""value"": 0.07}, {""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Payment Ratio"", ""value"": 0.05}]"
CUST0040,2025-06-30,998,Low Risk,171871,14109,2739,15.8,153807,2024-11-24,2024-11-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.49}, {""feature"": ""Credit Utilization"", ""value"": 0.39}, {""feature"": ""Month on Book"", ""value"": 0.31}, {""feature"": ""Payment Ratio"", ""value"": 0.25}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}]"
CUST0040,2025-07-31,326,High Risk,171871,14109,8366,15.48,147425,2024-12-16,2024-12-08,Late Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Month on Book"", ""value"": 0.16}, {""feature"": ""Time since last delinquency"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}]"
CUST0040,2025-08-31,253,High Risk,171871,14109,7293,15.28,142009,2025-01-17,2025-01-08,Late Payer,60+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": -0.32}, {""feature"": ""Time since last delinquency"", ""value"": -0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.2}, {""feature"": ""Month on Book"", ""value"": -0.16}, {""feature"": ""Credit Utilization"", ""value"": -0.13}]"
CUST0040,2025-09-28,884,Low Risk,171871,14109,3616,16.23,140314,2025-03-07,2025-02-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.41}, {""feature"": ""Payment Ratio"", ""value"": 0.33}, {""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.21}, {""feature"": ""Month on Book"", ""value"": 0.17}]"
CUST0040,2025-10-31,833,Low Risk,171871,14109,0,15.65,142144,,2025-03-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.39}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.31}, {""feature"": ""Month on Book"", ""value"": 0.25}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}]"
CUST0040,2025-11-30,738,Low Risk,171871,14109,9433,15.63,134562,2025-04-23,2025-04-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.39}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.31}, {""feature"": ""Month on Book"", ""value"": 0.25}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}]"
CUST0040,2025-12-31,478,Medium Risk,171871,14109,1379,16.0,134977,2025-05-23,2025-05-08,Irregular Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}, {""feature"": ""Payment Ratio"", ""value"": 0.07}, {""feature"": ""Month on Book"", ""value"": 0.06}]"
CUST0040,2026-01-31,92,High Risk,171871,14109,0,16.89,136877,,2025-06-08,Non Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": -0.35}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.28}, {""feature"": ""Payment Ratio"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.18}, {""feature"": ""Month on Book"", ""value"": -0.14}]"
CUST0041,2025-02-28,220,High Risk,259720,25539,5609,16.17,257610,2024-07-09,2024-07-08,On Time,150+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": 0.58}, {""feature"": ""Time since last delinquency"", ""value"": 0.46}, {""feature"": ""Payment Ratio"", ""value"": 0.37}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}]"
CUST0041,2025-03-31,506,Medium Risk,259720,25539,0,16.2,261088,,2024-08-08,Non Payer,60+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": -0.34}, {""feature"": ""Payment Ratio"", ""value"": -0.27}, {""feature"": ""Time since last delinquency"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}]"
CUST0041,2025-04-30,292,High Risk,259720,25539,3194,16.07,261390,2024-09-21,2024-09-08,Irregular Payer,60+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Payment Ratio"", ""value"": -0.12}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}, {""feature"": ""Credit Utilization"", ""value"": -0.08}]"
CUST0041,2025-05-31,903,Low Risk,259720,25539,7606,15.53,257167,2024-11-01,2024-10-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.29}, {""feature"": ""Time since last delinquency"", ""value"": 0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.19}, {""feature"": ""Payment Ratio"", ""value"": 0.15}, {""feature"": ""Month on Book"", ""value"": 0.12}]"
CUST0041,2025-06-30,374,Medium Risk,259720,25539,4189,15.09,256212,2024-11-26,2024-11-08,Irregular Payer,120+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": 0.6}, {""feature"": ""Time since last delinquency"", ""value"": 0.48}, {""feature"": ""Month on Book"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.31}, {""feature"": ""Payment Ratio"", ""value"": 0.25}]"
CUST0041,2025-07-31,371,Medium Risk,259720,25539,9261,16.11,250391,2024-12-20,2024-12-08,Irregular Payer,210+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": 0.55}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.44}, {""feature"": ""Payment Ratio"", ""value"": 0.35}, {""feature"": ""Time since last delinquency"", ""value"": 0.28}, {""feature"": ""Month on Book"", ""value"": 0.23}]"
CUST0041,2025-08-31,461,Medium Risk,259720,25539,2946,16.53,250894,2025-02-03,2025-01-08,Irregular Payer,60+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": -0.26}, {""feature"": ""Month on Book"", ""value"": -0.21}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.13}, {""feature"": ""Payment Ratio"", ""value"": -0.11}]"
CUST0041,2025-09-28,131,High Risk,259720,25539,6555,16.95,247883,2025-02-19,2025-02-08,Irregular Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.55}, {""feature"": ""Payment Ratio"", ""value"": 0.44}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.35}, {""feature"": ""Time since last delinquency"", ""value"": 0.28}, {""feature"": ""Credit Utilization"", ""value"": 0.23}]"
CUST0041,2025-10-31,571,Medium Risk,259720,25539,9341,16.88,242029,2025-03-14,2025-03-08,Late Payer,0-30,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.18}, {""feature"": ""Month on Book"", ""value"": 0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}, {""feature"": ""Time since last delinquency"", ""value"": 0.09}]"
CUST0041,2025-11-30,411,Medium Risk,259720,25539,3245,16.0,242011,2025-04-09,2025-04-08,On Time,240+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Month on Book"", ""value"": 0.06}, {""feature"": ""Time since last delinquency"", ""value"": 0.04}, {""feature"": ""Payment Ratio"", ""value"": 0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.03}]"
CUST0041,2025-12-31,730,Low Risk,259720,25539,0,15.67,245171,,2025-05-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}, {""feature"": ""Credit Utilization"", ""value"": -0.05}]"
CUST0041,2026-01-31,531,Medium Risk,259720,25539,0,15.91,248422,,2025-06-08,Non Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.31}, {""feature"": ""Payment Ratio"", ""value"": 0.25}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.2}, {""feature"": ""Month on Book"", ""value"": 0.16}, {""feature"": ""Time since last delinquency"", ""value"": 0.13}]"
CUST0042,2025-02-28,335,High Risk,488258,36997,7438,16.86,487680,2024-07-13,2024-07-08,Late Payer,240+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": 0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Time since last delinquency"", ""value"": 0.11}]"
CUST0042,2025-03-31,631,Medium Risk,488258,36997,6511,16.48,487866,2024-08-26,2024-08-08,Irregular Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": -0.33}, {""feature"": ""Month on Book"", ""value"": -0.26}, {""feature"": ""Time since last delinquency"", ""value"": -0.21}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}]"
CUST0042,2025-04-30,519,Medium Risk,488258,36997,0,16.66,494639,,2024-09-08,Non Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.04}, {""feature"": ""Payment Ratio"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.03}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}]"
CUST0042,2025-05-31,501,Medium Risk,488258,36997,1272,16.42,500136,2024-10-23,2024-10-08,Irregular Payer,30+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.39}, {""feature"": ""Month on Book"", ""value"": 0.31}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.25}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}]"
CUST0042,2025-06-30,377,Medium Risk,488258,36997,6040,15.66,500622,2024-11-21,2024-11-08,Irregular Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}, {""feature"": ""Time since last delinquency"", ""value"": 0.09}]"
CUST0042,2025-07-31,815,Low Risk,488258,36997,8775,16.8,498856,2024-12-27,2024-12-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.24}, {""feature"": ""Credit Utilization"", ""value"": -0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Month on Book"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.1}]"
CUST0042,2025-08-31,271,High Risk,488258,36997,0,16.93,505894,,2025-01-08,Non Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": -0.33}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.26}, {""feature"": ""Month on Book"", ""value"": -0.21}, {""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.14}]"
CUST0042,2025-09-28,591,Medium Risk,488258,36997,8871,15.46,503541,2025-02-26,2025-02-08,Irregular Payer,30+ DPD,Delinquent,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": -0.25}, {""feature"": ""Credit Utilization"", ""value"": -0.2}, {""feature"": ""Month on Book"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}]"
CUST0042,2025-10-31,174,High Risk,488258,36997,0,16.05,510276,,2025-03-08,Non Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.0}, {""feature"": ""Month on Book"", ""value"": -0.0}, {""feature"": ""Time since last delinquency"", ""value"": -0.0}, {""feature"": ""Credit Utilization"", ""value"": -0.0}, {""feature"": ""Payment Ratio"", ""value"": -0.0}]"
CUST0042,2025-11-30,793,Low Risk,488258,36997,4968,16.68,512400,2025-05-04,2025-04-08,Irregular Payer,90+ DPD,Delinquent,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.54}, {""feature"": ""Credit Utilization"", ""value"": 0.43}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.35}, {""feature"": ""Time since last delinquency"", ""value"": 0.28}, {""feature"": ""Payment Ratio"", ""value"": 0.22}]"
CUST0042,2025-12-31,32,High Risk,488258,36997,1310,16.15,517986,2025-05-14,2025-05-08,Late Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.21}, {""feature"": ""Payment Ratio"", ""value"": 0.17}, {""feature"": ""Month on Book"", ""value"": 0.13}, {""feature"": ""Time since last delinquency"", ""value"": 0.11}]"
CUST0042,2026-01-31,451,Medium Risk,488258,36997,4340,15.63,520393,2025-06-21,2025-06-08,Irregular Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": 0.35}, {""feature"": ""Time since last delinquency"", ""value"": 0.28}, {""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.14}]"
CUST0043,2025-02-28,626,Medium Risk,235155,17658,3262,16.84,235193,2024-07-30,2024-07-08,Irregular Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": 0.31}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.25}, {""feature"": ""Payment Ratio"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Month on Book"", ""value"": 0.13}]"
CUST0043,2025-03-31,531,Medium Risk,235155,17658,8837,15.41,229376,2024-08-29,2024-08-08,Irregular Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.44}, {""feature"": ""Credit Utilization"", ""value"": 0.35}, {""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Month on Book"", ""value"": 0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}]"
CUST0043,2025-04-30,538,Medium Risk,235155,17658,9734,15.75,222652,2024-09-22,2024-09-08,Irregular Payer,30+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.01}, {""feature"": ""Month on Book"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.01}, {""feature"": ""Payment Ratio"", ""value"": 0.01}, {""feature"": ""Time since last delinquency"", ""value"": 0.0}]"
CUST0043,2025-05-31,350,High Risk,235155,17658,8932,16.09,216706,2024-10-27,2024-10-08,Irregular Payer,210+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.09}, {""feature"": ""Month on Book"", ""value"": 0.07}, {""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Time since last delinquency"", ""value"": 0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}]"
CUST0043,2025-06-30,196,High Risk,235155,17658,5890,16.91,213869,2024-11-25,2024-11-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.58}, {""feature"": ""Time since last delinquency"", ""value"": 0.46}, {""feature"": ""Payment Ratio"", ""value"": 0.37}, {""feature"": ""Credit Utilization"", ""value"": 0.3}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}]"
CUST0043,2025-07-31,230,High Risk,235155,17658,5735,16.88,211143,2025-01-01,2024-12-08,Irregular Payer,210+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.2}, {""feature"": ""Time since last delinquency"", ""value"": -0.16}, {""feature"": ""Payment Ratio"", ""value"": -0.13}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.08}]"
CUST0043,2025-08-31,721,Low Risk,235155,17658,0,15.41,213854,,2025-01-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.56}, {""feature"": ""Month on Book"", ""value"": 0.45}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.36}, {""feature"": ""Credit Utilization"", ""value"": 0.29}, {""feature"": ""Time since last delinquency"", ""value"": 0.23}]"
CUST0043,2025-09-28,324,High Risk,235155,17658,0,15.96,216699,,2025-02-08,Non Payer,210+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.28}, {""feature"": ""Payment Ratio"", ""value"": -0.22}, {""feature"": ""Month on Book"", ""value"": -0.18}, {""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}]"
CUST0043,2025-10-31,956,Low Risk,235155,17658,2996,16.87,216749,2025-03-17,2025-03-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.54}, {""feature"": ""Credit Utilization"", ""value"": 0.43}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.35}, {""feature"": ""Time since last delinquency"", ""value"": 0.28}, {""feature"": ""Month on Book"", ""value"": 0.22}]"
CUST0043,2025-11-30,587,Medium Risk,235155,17658,7464,16.35,212238,2025-05-06,2025-04-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.21}, {""feature"": ""Payment Ratio"", ""value"": 0.17}, {""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}]"
CUST0043,2025-12-31,838,Low Risk,235155,17658,1689,15.69,213324,2025-05-17,2025-05-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.13}, {""feature"": ""Month on Book"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}, {""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}]"
CUST0043,2026-01-31,294,High Risk,235155,17658,8247,16.91,208083,2025-06-19,2025-06-08,Irregular Payer,60+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Month on Book"", ""value"": 0.23}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Credit Utilization"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}]"
CUST0044,2025-02-28,490,Medium Risk,363918,22862,0,15.43,368597,,2024-07-08,Non Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.3}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}, {""feature"": ""Payment Ratio"", ""value"": 0.19}, {""feature"": ""Time since last delinquency"", ""value"": 0.15}, {""feature"": ""Month on Book"", ""value"": 0.12}]"
CUST0044,2025-03-31,277,High Risk,363918,22862,2789,16.87,370990,2024-08-12,2024-08-08,Late Payer,150+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.22}, {""feature"": ""Payment Ratio"", ""value"": -0.18}, {""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}]"
CUST0044,2025-04-30,630,Medium Risk,363918,22862,1831,16.48,374254,2024-09-15,2024-09-08,Late Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}]"
CUST0044,2025-05-31,685,Low Risk,363918,22862,4814,16.81,374682,2024-10-28,2024-10-08,Irregular Payer,60+ DPD,Delinquent,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.11}, {""feature"": ""Payment Ratio"", ""value"": 0.09}, {""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Month on Book"", ""value"": 0.06}, {""feature"": ""Time since last delinquency"", ""value"": 0.05}]"
CUST0044,2025-06-30,53,High Risk,363918,22862,8739,15.2,370689,2024-11-30,2024-11-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.11}, {""feature"": ""Credit Utilization"", ""value"": 0.09}, {""feature"": ""Payment Ratio"", ""value"": 0.07}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}]"
CUST0044,2025-07-31,102,High Risk,363918,22862,3587,16.36,372156,2024-12-08,2024-12-08,On Time,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.01}]"
CUST0044,2025-08-31,416,Medium Risk,363918,22862,0,16.31,377214,,2025-01-08,Non Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": -0.24}, {""feature"": ""Time since last delinquency"", ""value"": -0.19}, {""feature"": ""Credit Utilization"", ""value"": -0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.12}, {""feature"": ""Month on Book"", ""value"": -0.1}]"
CUST0044,2025-09-28,488,Medium Risk,363918,22862,5676,16.3,376662,2025-02-18,2025-02-08,Late Payer,180+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": -0.3}, {""feature"": ""Time since last delinquency"", ""value"": -0.24}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.19}, {""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Month on Book"", ""value"": -0.12}]"
CUST0044,2025-10-31,661,Low Risk,363918,22862,4804,15.12,376604,2025-03-28,2025-03-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.15}, {""feature"": ""Time since last delinquency"", ""value"": 0.12}, {""feature"": ""Payment Ratio"", ""value"": 0.1}, {""feature"": ""Credit Utilization"", ""value"": 0.08}]"
CUST0044,2025-11-30,547,Medium Risk,363918,22862,3868,16.48,377908,2025-05-07,2025-04-08,Irregular Payer,210+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}, {""feature"": ""Payment Ratio"", ""value"": -0.06}, {""feature"": ""Credit Utilization"", ""value"": -0.05}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}]"
CUST0044,2025-12-31,427,Medium Risk,363918,22862,1595,16.76,381591,2025-06-06,2025-05-08,Irregular Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.03}, {""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.01}]"
CUST0044,2026-01-31,856,Low Risk,363918,22862,0,15.79,386612,,2025-06-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.39}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.31}, {""feature"": ""Payment Ratio"", ""value"": 0.25}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}, {""feature"": ""Month on Book"", ""value"": 0.16}]"
CUST0045,2025-02-28,985,Low Risk,117680,11395,1613,16.74,117708,2024-08-05,2024-07-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.41}, {""feature"": ""Payment Ratio"", ""value"": 0.33}, {""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.21}, {""feature"": ""Month on Book"", ""value"": 0.17}]"
CUST0045,2025-03-31,9,High Risk,117680,11395,0,15.6,119238,,2024-08-08,Non Payer,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": -0.34}, {""feature"": ""Payment Ratio"", ""value"": -0.27}, {""feature"": ""Month on Book"", ""value"": -0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.14}]"
CUST0045,2025-04-30,109,High Risk,117680,11395,8444,16.86,112470,2024-09-17,2024-09-08,Late Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Credit Utilization"", ""value"": -0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}]"
CUST0045,2025-05-31,656,Low Risk,117680,11395,0,16.09,113978,,2024-10-08,Non Payer,240+ DPD,Delinquent,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.14}, {""feature"": ""Month on Book"", ""value"": -0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}]"
CUST0045,2025-06-30,910,Low Risk,117680,11395,0,16.88,115581,,2024-11-08,Non Payer,240+ DPD,Delinquent,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.46}, {""feature"": ""Credit Utilization"", ""value"": 0.37}, {""feature"": ""Payment Ratio"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}, {""feature"": ""Month on Book"", ""value"": 0.19}]"
CUST0045,2025-07-31,479,Medium Risk,117680,11395,3662,15.55,113417,2024-12-18,2024-12-08,Late Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": -0.34}, {""feature"": ""Payment Ratio"", ""value"": -0.27}, {""feature"": ""Month on Book"", ""value"": -0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.17}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}]"
CUST0045,2025-08-31,748,Low Risk,117680,11395,4050,15.92,110871,2025-01-30,2025-01-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.58}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.46}, {""feature"": ""Payment Ratio"", ""value"": 0.37}, {""feature"": ""Month on Book"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}]"
CUST0045,2025-09-28,14,High Risk,117680,11395,4164,16.47,108229,2025-02-26,2025-02-08,Irregular Payer,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.45}, {""feature"": ""Time since last delinquency"", ""value"": 0.36}, {""feature"": ""Credit Utilization"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}, {""feature"": ""Month on Book"", ""value"": 0.18}]"
CUST0045,2025-10-31,179,High Risk,117680,11395,8007,16.22,101685,2025-04-03,2025-03-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.53}, {""feature"": ""Time since last delinquency"", ""value"": 0.42}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.34}, {""feature"": ""Month on Book"", ""value"": 0.27}, {""feature"": ""Payment Ratio"", ""value"": 0.22}]"
CUST0045,2025-11-30,527,Medium Risk,117680,11395,2562,15.66,100450,2025-04-29,2025-04-08,Irregular Payer,60+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.05}, {""feature"": ""Credit Utilization"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.02}]"
CUST0045,2025-12-31,189,High Risk,117680,11395,0,16.96,101870,,2025-05-08,Non Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}, {""feature"": ""Month on Book"", ""value"": 0.12}]"
CUST0045,2026-01-31,331,High Risk,117680,11395,7284,16.87,96018,2025-06-16,2025-06-08,Late Payer,150+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}, {""feature"": ""Payment Ratio"", ""value"": -0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}]"
CUST0046,2025-02-28,273,High Risk,143480,10378,1187,16.91,144314,2024-07-26,2024-07-08,Irregular Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.19}, {""feature"": ""Time since last delinquency"", ""value"": 0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.12}, {""feature"": ""Month on Book"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}]"
CUST0046,2025-03-31,267,High Risk,143480,10378,2936,16.31,143340,2024-08-09,2024-08-08,On Time,120+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.3}, {""feature"": ""Credit Utilization"", ""value"": -0.24}, {""feature"": ""Month on Book"", ""value"": -0.19}, {""feature"": ""Time since last delinquency"", ""value"": -0.15}, {""feature"": ""Payment Ratio"", ""value"": -0.12}]"
CUST0046,2025-04-30,476,Medium Risk,143480,10378,9233,15.61,135971,2024-09-29,2024-09-08,Irregular Payer,180+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": -0.28}, {""feature"": ""Credit Utilization"", ""value"": -0.22}, {""feature"": ""Month on Book"", ""value"": -0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.11}]"
CUST0046,2025-05-31,945,Low Risk,143480,10378,2923,16.79,134951,2024-10-30,2024-10-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.11}, {""feature"": ""Payment Ratio"", ""value"": -0.09}, {""feature"": ""Credit Utilization"", ""value"": -0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}, {""feature"": ""Month on Book"", ""value"": -0.05}]"
CUST0046,2025-06-30,654,Low Risk,143480,10378,4618,16.83,132226,2024-11-19,2024-11-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.45}, {""feature"": ""Payment Ratio"", ""value"": 0.36}, {""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}]"
CUST0046,2025-07-31,224,High Risk,143480,10378,0,16.91,134089,,2024-12-08,Non Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Time since last delinquency"", ""value"": 0.08}, {""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Month on Book"", ""value"": 0.05}, {""feature"": ""Payment Ratio"", ""value"": 0.04}]"
CUST0046,2025-08-31,156,High Risk,143480,10378,0,15.91,135867,,2025-01-08,Non Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": -0.25}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.2}, {""feature"": ""Time since last delinquency"", ""value"": -0.16}, {""feature"": ""Month on Book"", ""value"": -0.13}, {""feature"": ""Payment Ratio"", ""value"": -0.1}]"
CUST0046,2025-09-28,382,Medium Risk,143480,10378,0,15.83,137659,,2025-02-08,Non Payer,210+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": -0.15}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}]"
CUST0046,2025-10-31,934,Low Risk,143480,10378,0,15.94,139488,,2025-03-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.43}, {""feature"": ""Time since last delinquency"", ""value"": 0.34}, {""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.18}]"
CUST0046,2025-11-30,821,Low Risk,143480,10378,5054,16.33,136332,2025-05-02,2025-04-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.06}, {""feature"": ""Time since last delinquency"", ""value"": -0.05}, {""feature"": ""Month on Book"", ""value"": -0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.03}, {""feature"": ""Payment Ratio"", ""value"": -0.02}]"
CUST0046,2025-12-31,696,Low Risk,143480,10378,8319,16.51,129889,2025-05-24,2025-05-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.12}, {""feature"": ""Time since last delinquency"", ""value"": 0.1}, {""feature"": ""Credit Utilization"", ""value"": 0.08}]"
CUST0046,2026-01-31,540,Medium Risk,143480,10378,2838,16.41,128827,2025-07-07,2025-06-08,Irregular Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.58}, {""feature"": ""Month on Book"", ""value"": 0.46}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.37}, {""feature"": ""Payment Ratio"", ""value"": 0.3}, {""feature"": ""Time since last delinquency"", ""value"": 0.24}]"
CUST0047,2025-02-28,924,Low Risk,52379,4789,0,16.01,53077,,2024-07-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.49}, {""feature"": ""Payment Ratio"", ""value"": 0.39}, {""feature"": ""Month on Book"", ""value"": 0.31}, {""feature"": ""Credit Utilization"", ""value"": 0.25}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.2}]"
CUST0047,2025-03-31,549,Medium Risk,52379,4789,9525,15.3,44229,2024-09-04,2024-08-08,Irregular Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.01}]"
CUST0047,2025-04-30,452,Medium Risk,52379,4789,9008,15.23,35782,2024-09-30,2024-09-08,Irregular Payer,30+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": 0.44}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.35}, {""feature"": ""Time since last delinquency"", ""value"": 0.28}, {""feature"": ""Payment Ratio"", ""value"": 0.23}, {""feature"": ""Credit Utilization"", ""value"": 0.18}]"
CUST0047,2025-05-31,93,High Risk,52379,4789,0,16.8,36283,,2024-10-08,Non Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Time since last delinquency"", ""value"": -0.05}]"
CUST0047,2025-06-30,828,Low Risk,52379,4789,7806,15.11,28934,2024-11-24,2024-11-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}, {""feature"": ""Credit Utilization"", ""value"": -0.05}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}]"
CUST0047,2025-07-31,467,Medium Risk,52379,4789,0,16.13,29323,,2024-12-08,Non Payer,60+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.31}, {""feature"": ""Payment Ratio"", ""value"": 0.25}, {""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.16}, {""feature"": ""Time since last delinquency"", ""value"": 0.13}]"
CUST0047,2025-08-31,473,Medium Risk,52379,4789,1356,16.35,28367,2025-01-31,2025-01-08,Irregular Payer,120+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.08}, {""feature"": ""Payment Ratio"", ""value"": -0.06}, {""feature"": ""Credit Utilization"", ""value"": -0.05}]"
CUST0047,2025-09-28,405,Medium Risk,52379,4789,4570,15.51,24163,2025-03-03,2025-02-08,Irregular Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.36}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Time since last delinquency"", ""value"": 0.23}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.15}]"
CUST0047,2025-10-31,592,Medium Risk,52379,4789,2044,15.15,22424,2025-03-19,2025-03-08,Irregular Payer,210+ DPD,Delinquent,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.38}, {""feature"": ""Month on Book"", ""value"": 0.3}, {""feature"": ""Payment Ratio"", ""value"": 0.24}, {""feature"": ""Credit Utilization"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.16}]"
CUST0047,2025-11-30,554,Medium Risk,52379,4789,8734,16.99,14008,2025-05-07,2025-04-08,Irregular Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.16}, {""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}, {""feature"": ""Payment Ratio"", ""value"": -0.07}]"
CUST0047,2025-12-31,32,High Risk,52379,4789,3218,15.57,10972,2025-06-01,2025-05-08,Irregular Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.05}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}]"
CUST0047,2026-01-31,784,Low Risk,52379,4789,7266,16.28,3855,2025-06-19,2025-06-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.26}, {""feature"": ""Time since last delinquency"", ""value"": -0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.17}, {""feature"": ""Payment Ratio"", ""value"": -0.13}, {""feature"": ""Month on Book"", ""value"": -0.11}]"
CUST0048,2025-02-28,928,Low Risk,255162,23852,9835,15.75,248676,2024-07-29,2024-07-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.22}, {""feature"": ""Month on Book"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.11}, {""feature"": ""Time since last delinquency"", ""value"": -0.09}]"
CUST0048,2025-03-31,136,High Risk,255162,23852,3924,16.31,248131,2024-08-11,2024-08-08,On Time,0-30,Current,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": -0.18}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Month on Book"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}]"
CUST0048,2025-04-30,550,Medium Risk,255162,23852,4648,15.79,246748,2024-10-01,2024-09-08,Irregular Payer,240+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.4}, {""feature"": ""Time since last delinquency"", ""value"": 0.32}, {""feature"": ""Month on Book"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}]"
CUST0048,2025-05-31,854,Low Risk,255162,23852,8585,15.01,241250,2024-10-17,2024-10-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Month on Book"", ""value"": 0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}, {""feature"": ""Time since last delinquency"", ""value"": 0.07}]"
CUST0048,2025-06-30,689,Low Risk,255162,23852,7214,16.44,237341,2024-11-25,2024-11-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.02}]"
CUST0048,2025-07-31,843,Low Risk,255162,23852,0,15.46,240399,,2024-12-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Month on Book"", ""value"": 0.11}, {""feature"": ""Credit Utilization"", ""value"": 0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.07}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}]"
CUST0048,2025-08-31,354,Medium Risk,255162,23852,2848,15.31,240618,2025-02-06,2025-01-08,Irregular Payer,60+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": -0.19}, {""feature"": ""Credit Utilization"", ""value"": -0.15}, {""feature"": ""Payment Ratio"", ""value"": -0.12}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.08}]"
CUST0048,2025-09-28,32,High Risk,255162,23852,1256,16.62,242694,2025-02-27,2025-02-08,Irregular Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}, {""feature"": ""Credit Utilization"", ""value"": -0.05}, {""feature"": ""Payment Ratio"", ""value"": -0.04}]"
CUST0048,2025-10-31,246,High Risk,255162,23852,1550,15.41,244261,2025-03-27,2025-03-08,Irregular Payer,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.56}, {""feature"": ""Month on Book"", ""value"": 0.45}, {""feature"": ""Credit Utilization"", ""value"": 0.36}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.23}]"
CUST0048,2025-11-30,457,Medium Risk,255162,23852,1724,16.2,245835,2025-04-15,2025-04-08,Late Payer,150+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.14}, {""feature"": ""Month on Book"", ""value"": 0.11}, {""feature"": ""Time since last delinquency"", ""value"": 0.09}, {""feature"": ""Payment Ratio"", ""value"": 0.07}]"
CUST0048,2025-12-31,411,Medium Risk,255162,23852,0,15.88,249088,,2025-05-08,Non Payer,210+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": 0.3}, {""feature"": ""Payment Ratio"", ""value"": 0.24}, {""feature"": ""Month on Book"", ""value"": 0.19}, {""feature"": ""Credit Utilization"", ""value"": 0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.12}]"
CUST0048,2026-01-31,222,High Risk,255162,23852,9255,16.51,243260,2025-06-12,2025-06-08,Late Payer,150+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.58}, {""feature"": ""Time since last delinquency"", ""value"": 0.46}, {""feature"": ""Month on Book"", ""value"": 0.37}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Payment Ratio"", ""value"": 0.24}]"
CUST0049,2025-02-28,938,Low Risk,171657,10592,6253,16.46,167758,2024-07-26,2024-07-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}, {""feature"": ""Credit Utilization"", ""value"": -0.06}]"
CUST0049,2025-03-31,242,High Risk,171657,10592,9540,15.6,160399,2024-08-29,2024-08-08,Irregular Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": -0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.04}, {""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}, {""feature"": ""Credit Utilization"", ""value"": -0.02}]"
CUST0049,2025-04-30,226,High Risk,171657,10592,3869,15.83,158646,2024-09-09,2024-09-08,On Time,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": -0.35}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.28}, {""feature"": ""Payment Ratio"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.18}, {""feature"": ""Month on Book"", ""value"": -0.14}]"
CUST0049,2025-05-31,641,Medium Risk,171657,10592,0,16.36,160809,,2024-10-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": 0.33}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.21}, {""feature"": ""Time since last delinquency"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.14}]"
CUST0049,2025-06-30,507,Medium Risk,171657,10592,7244,15.09,155587,2024-11-28,2024-11-08,Irregular Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": -0.25}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.2}, {""feature"": ""Credit Utilization"", ""value"": -0.16}, {""feature"": ""Month on Book"", ""value"": -0.13}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}]"
CUST0049,2025-07-31,804,Low Risk,171657,10592,3444,16.05,154224,2024-12-21,2024-12-08,Irregular Payer,120+ DPD,Delinquent,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Month on Book"", ""value"": 0.1}, {""feature"": ""Time since last delinquency"", ""value"": 0.08}, {""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}]"
CUST0049,2025-08-31,307,High Risk,171657,10592,0,15.75,156248,,2025-01-08,Non Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": 0.34}, {""feature"": ""Payment Ratio"", ""value"": 0.27}, {""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.14}]"
CUST0049,2025-09-28,484,Medium Risk,171657,10592,3365,15.48,154899,2025-02-17,2025-02-08,Late Payer,60+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Payment Ratio"", ""value"": 0.06}, {""feature"": ""Time since last delinquency"", ""value"": 0.05}]"
CUST0049,2025-10-31,825,Low Risk,171657,10592,7761,15.93,149194,2025-03-25,2025-03-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.47}, {""feature"": ""Time since last delinquency"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Payment Ratio"", ""value"": 0.19}]"
CUST0049,2025-11-30,991,Low Risk,171657,10592,0,15.83,151162,,2025-04-08,Non Payer,30+ DPD,Delinquent,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.11}, {""feature"": ""Time since last delinquency"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}]"
CUST0049,2025-12-31,137,High Risk,171657,10592,6411,15.78,146739,2025-05-14,2025-05-08,Late Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.45}, {""feature"": ""Payment Ratio"", ""value"": 0.36}, {""feature"": ""Time since last delinquency"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}, {""feature"": ""Credit Utilization"", ""value"": 0.18}]"
CUST0049,2026-01-31,662,Low Risk,171657,10592,0,15.16,148593,,2025-06-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}, {""feature"": ""Credit Utilization"", ""value"": -0.02}, {""feature"": ""Payment Ratio"", ""value"": -0.01}]"
CUST0050,2025-02-28,548,Medium Risk,464141,31818,5398,16.45,465105,2024-07-09,2024-07-08,On Time,0-30,Current,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.34}, {""feature"": ""Month on Book"", ""value"": 0.27}, {""feature"": ""Payment Ratio"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.17}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}]"
CUST0050,2025-03-31,386,Medium Risk,464141,31818,0,16.35,471442,,2024-08-08,Non Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.17}, {""feature"": ""Month on Book"", ""value"": 0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}, {""feature"": ""Credit Utilization"", ""value"": 0.09}, {""feature"": ""Time since last delinquency"", ""value"": 0.07}]"
CUST0050,2025-04-30,40,High Risk,464141,31818,4555,16.75,473468,2024-10-03,2024-09-08,Irregular Payer,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.41}, {""feature"": ""Credit Utilization"", ""value"": 0.33}, {""feature"": ""Time since last delinquency"", ""value"": 0.26}, {""feature"": ""Payment Ratio"", ""value"": 0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.17}]"
CUST0050,2025-05-31,490,Medium Risk,464141,31818,1251,15.42,478301,2024-10-17,2024-10-08,Late Payer,90+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}, {""feature"": ""Payment Ratio"", ""value"": -0.06}, {""feature"": ""Credit Utilization"", ""value"": -0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.04}]"
CUST0050,2025-06-30,216,High Risk,464141,31818,8846,16.87,476179,2024-12-01,2024-11-08,Irregular Payer,150+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}, {""feature"": ""Payment Ratio"", ""value"": 0.01}]"
CUST0050,2025-07-31,936,Low Risk,464141,31818,0,15.49,482326,,2024-12-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.17}, {""feature"": ""Month on Book"", ""value"": 0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}, {""feature"": ""Payment Ratio"", ""value"": 0.09}, {""feature"": ""Time since last delinquency"", ""value"": 0.07}]"
CUST0050,2025-08-31,720,Low Risk,464141,31818,6269,15.41,482250,2025-01-25,2025-01-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.24}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.19}, {""feature"": ""Time since last delinquency"", ""value"": -0.15}, {""feature"": ""Month on Book"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.1}]"
CUST0050,2025-09-28,794,Low Risk,464141,31818,0,15.57,488508,,2025-02-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.36}, {""feature"": ""Time since last delinquency"", ""value"": 0.29}, {""feature"": ""Credit Utilization"", ""value"": 0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}, {""feature"": ""Month on Book"", ""value"": 0.15}]"
CUST0050,2025-10-31,546,Medium Risk,464141,31818,6892,16.3,488251,2025-03-16,2025-03-08,Late Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": 0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.17}, {""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Time since last delinquency"", ""value"": 0.11}, {""feature"": ""Payment Ratio"", ""value"": 0.09}]"
CUST0050,2025-11-30,525,Medium Risk,464141,31818,0,16.77,495075,,2025-04-08,Non Payer,210+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": -0.23}, {""feature"": ""Time since last delinquency"", ""value"": -0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Payment Ratio"", ""value"": -0.12}, {""feature"": ""Credit Utilization"", ""value"": -0.09}]"
CUST0050,2025-12-31,100,High Risk,464141,31818,0,16.61,501927,,2025-05-08,Non Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.08}, {""feature"": ""Payment Ratio"", ""value"": -0.06}]"
CUST0050,2026-01-31,779,Low Risk,464141,31818,6126,16.68,502778,2025-06-19,2025-06-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Month on Book"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Credit Utilization"", ""value"": 0.16}]"
CUST0051,2025-02-28,884,Low Risk,237018,12392,5272,15.44,234795,2024-07-08,2024-07-08,On Time,120+ DPD,Delinquent,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.32}, {""feature"": ""Time since last delinquency"", ""value"": -0.26}, {""feature"": ""Month on Book"", ""value"": -0.2}, {""feature"": ""Credit Utilization"", ""value"": -0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.13}]"
CUST0051,2025-03-31,566,Medium Risk,237018,12392,0,16.87,238096,,2024-08-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": 0.49}, {""feature"": ""Credit Utilization"", ""value"": 0.39}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.31}, {""feature"": ""Time since last delinquency"", ""value"": 0.25}, {""feature"": ""Month on Book"", ""value"": 0.2}]"
CUST0051,2025-04-30,737,Low Risk,237018,12392,6404,15.84,234835,2024-09-14,2024-09-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.23}, {""feature"": ""Payment Ratio"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.15}, {""feature"": ""Month on Book"", ""value"": 0.12}, {""feature"": ""Time since last delinquency"", ""value"": 0.09}]"
CUST0051,2025-05-31,235,High Risk,237018,12392,6530,15.76,231389,2024-10-23,2024-10-08,Irregular Payer,150+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.56}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.45}, {""feature"": ""Payment Ratio"", ""value"": 0.36}, {""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Credit Utilization"", ""value"": 0.23}]"
CUST0051,2025-06-30,263,High Risk,237018,12392,0,16.53,234576,,2024-11-08,Non Payer,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": -0.32}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.26}, {""feature"": ""Time since last delinquency"", ""value"": -0.2}, {""feature"": ""Month on Book"", ""value"": -0.16}, {""feature"": ""Credit Utilization"", ""value"": -0.13}]"
CUST0051,2025-07-31,989,Low Risk,237018,12392,0,16.45,237792,,2024-12-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.25}, {""feature"": ""Month on Book"", ""value"": -0.2}, {""feature"": ""Payment Ratio"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}]"
CUST0051,2025-08-31,471,Medium Risk,237018,12392,3293,15.34,237539,2025-01-13,2025-01-08,Late Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.05}, {""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}]"
CUST0051,2025-09-28,737,Low Risk,237018,12392,9882,16.09,230842,2025-03-09,2025-02-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}, {""feature"": ""Credit Utilization"", ""value"": -0.09}, {""feature"": ""Payment Ratio"", ""value"": -0.07}]"
CUST0051,2025-10-31,657,Low Risk,237018,12392,0,16.91,234095,,2025-03-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Time since last delinquency"", ""value"": 0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}]"
CUST0051,2025-11-30,34,High Risk,237018,12392,1794,16.68,235555,2025-05-04,2025-04-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.21}, {""feature"": ""Time since last delinquency"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}, {""feature"": ""Credit Utilization"", ""value"": 0.09}]"
CUST0051,2025-12-31,782,Low Risk,237018,12392,4791,15.01,233710,2025-06-03,2025-05-08,Irregular Payer,60+ DPD,Delinquent,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.59}, {""feature"": ""Payment Ratio"", ""value"": 0.47}, {""feature"": ""Time since last delinquency"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}]"
CUST0051,2026-01-31,69,High Risk,237018,12392,9285,16.41,227621,2025-06-14,2025-06-08,Late Payer,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.19}, {""feature"": ""Month on Book"", ""value"": -0.15}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Credit Utilization"", ""value"": -0.08}]"
CUST0052,2025-02-28,632,Medium Risk,259080,17788,0,16.28,262594,,2024-07-08,Non Payer,30+ DPD,Delinquent,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.21}, {""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Time since last delinquency"", ""value"": 0.11}]"
CUST0052,2025-03-31,934,Low Risk,259080,17788,0,15.97,266089,,2024-08-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.33}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Payment Ratio"", ""value"": 0.21}, {""feature"": ""Credit Utilization"", ""value"": 0.17}, {""feature"": ""Month on Book"", ""value"": 0.14}]"
CUST0052,2025-04-30,16,High Risk,259080,17788,0,15.01,269417,,2024-09-08,Non Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.04}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}, {""feature"": ""Payment Ratio"", ""value"": -0.03}, {""feature"": ""Credit Utilization"", ""value"": -0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}]"
CUST0052,2025-05-31,421,Medium Risk,259080,17788,0,15.02,272790,,2024-10-08,Non Payer,120+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.13}, {""feature"": ""Credit Utilization"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Payment Ratio"", ""value"": 0.07}, {""feature"": ""Time since last delinquency"", ""value"": 0.05}]"
CUST0052,2025-06-30,739,Low Risk,259080,17788,9228,15.55,267097,2024-11-08,2024-11-08,On Time,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.51}, {""feature"": ""Payment Ratio"", ""value"": 0.41}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.33}, {""feature"": ""Time since last delinquency"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.21}]"
CUST0052,2025-07-31,832,Low Risk,259080,17788,3937,16.4,266810,2025-01-02,2024-12-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.57}, {""feature"": ""Time since last delinquency"", ""value"": 0.46}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.36}, {""feature"": ""Payment Ratio"", ""value"": 0.29}, {""feature"": ""Credit Utilization"", ""value"": 0.23}]"
CUST0052,2025-08-31,109,High Risk,259080,17788,0,16.84,270554,,2025-01-08,Non Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.5}, {""feature"": ""Credit Utilization"", ""value"": 0.4}, {""feature"": ""Time since last delinquency"", ""value"": 0.32}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Payment Ratio"", ""value"": 0.2}]"
CUST0052,2025-09-28,152,High Risk,259080,17788,0,15.48,274044,,2025-02-08,Non Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Time since last delinquency"", ""value"": 0.23}, {""feature"": ""Credit Utilization"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}]"
CUST0052,2025-10-31,539,Medium Risk,259080,17788,7502,15.5,270082,2025-03-16,2025-03-08,Late Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": -0.3}, {""feature"": ""Time since last delinquency"", ""value"": -0.24}, {""feature"": ""Payment Ratio"", ""value"": -0.19}, {""feature"": ""Month on Book"", ""value"": -0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.12}]"
CUST0052,2025-11-30,80,High Risk,259080,17788,4984,15.75,268643,2025-04-22,2025-04-08,Irregular Payer,150+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.46}, {""feature"": ""Credit Utilization"", ""value"": 0.37}, {""feature"": ""Payment Ratio"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}]"
CUST0052,2025-12-31,713,Low Risk,259080,17788,1519,15.45,270583,2025-05-28,2025-05-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Payment Ratio"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}]"
CUST0052,2026-01-31,95,High Risk,259080,17788,8798,15.81,265350,2025-06-25,2025-06-08,Irregular Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.33}, {""feature"": ""Time since last delinquency"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.14}]"
CUST0053,2025-02-28,719,Low Risk,49420,4044,0,15.34,50051,,2024-07-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.42}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.34}, {""feature"": ""Time since last delinquency"", ""value"": 0.27}, {""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.17}]"
CUST0053,2025-03-31,865,Low Risk,49420,4044,2562,15.87,48151,2024-08-26,2024-08-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.53}, {""feature"": ""Payment Ratio"", ""value"": 0.42}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.34}, {""feature"": ""Month on Book"", ""value"": 0.27}, {""feature"": ""Credit Utilization"", ""value"": 0.22}]"
CUST0053,2025-04-30,916,Low Risk,49420,4044,4463,16.06,44333,2024-09-15,2024-09-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.21}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.13}, {""feature"": ""Payment Ratio"", ""value"": -0.11}, {""feature"": ""Month on Book"", ""value"": -0.09}]"
CUST0053,2025-05-31,922,Low Risk,49420,4044,0,16.74,44951,,2024-10-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.16}, {""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Time since last delinquency"", ""value"": -0.07}]"
CUST0053,2025-06-30,486,Medium Risk,49420,4044,5593,15.54,39940,2024-11-29,2024-11-08,Irregular Payer,60+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": 0.34}, {""feature"": ""Credit Utilization"", ""value"": 0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.14}]"
CUST0053,2025-07-31,920,Low Risk,49420,4044,6152,16.09,34324,2024-12-13,2024-12-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.35}, {""feature"": ""Time since last delinquency"", ""value"": -0.28}, {""feature"": ""Credit Utilization"", ""value"": -0.22}, {""feature"": ""Payment Ratio"", ""value"": -0.18}, {""feature"": ""Month on Book"", ""value"": -0.14}]"
CUST0053,2025-08-31,16,High Risk,49420,4044,0,16.92,34808,,2025-01-08,Non Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.25}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Month on Book"", ""value"": 0.16}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}]"
CUST0053,2025-09-28,147,High Risk,49420,4044,2260,16.5,33026,2025-03-09,2025-02-08,Irregular Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.0}, {""feature"": ""Payment Ratio"", ""value"": 0.0}, {""feature"": ""Credit Utilization"", ""value"": 0.0}, {""feature"": ""Time since last delinquency"", ""value"": 0.0}, {""feature"": ""Month on Book"", ""value"": 0.0}]"
CUST0053,2025-10-31,306,High Risk,49420,4044,7375,15.32,26073,2025-03-26,2025-03-08,Irregular Payer,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": -0.3}, {""feature"": ""Month on Book"", ""value"": -0.24}, {""feature"": ""Time since last delinquency"", ""value"": -0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Payment Ratio"", ""value"": -0.12}]"
CUST0053,2025-11-30,693,Low Risk,49420,4044,3292,16.79,23146,2025-04-20,2025-04-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.43}, {""feature"": ""Payment Ratio"", ""value"": 0.34}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.28}, {""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}]"
CUST0053,2025-12-31,809,Low Risk,49420,4044,6666,16.98,16807,2025-05-24,2025-05-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.5}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.4}, {""feature"": ""Payment Ratio"", ""value"": 0.32}, {""feature"": ""Time since last delinquency"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.2}]"
CUST0053,2026-01-31,54,High Risk,49420,4044,2245,15.2,14775,2025-07-04,2025-06-08,Irregular Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.54}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.43}, {""feature"": ""Time since last delinquency"", ""value"": 0.35}, {""feature"": ""Month on Book"", ""value"": 0.28}, {""feature"": ""Payment Ratio"", ""value"": 0.22}]"
CUST0054,2025-02-28,628,Medium Risk,198568,15936,6347,16.91,195019,2024-08-01,2024-07-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Month on Book"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}, {""feature"": ""Time since last delinquency"", ""value"": 0.1}]"
CUST0054,2025-03-31,30,High Risk,198568,15936,0,16.27,197663,,2024-08-08,Non Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.28}, {""feature"": ""Time since last delinquency"", ""value"": -0.22}, {""feature"": ""Month on Book"", ""value"": -0.18}, {""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.11}]"
CUST0054,2025-04-30,502,Medium Risk,198568,15936,0,15.46,200209,,2024-09-08,Non Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.21}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Month on Book"", ""value"": -0.13}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}, {""feature"": ""Payment Ratio"", ""value"": -0.09}]"
CUST0054,2025-05-31,963,Low Risk,198568,15936,7227,15.75,195610,2024-10-29,2024-10-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.07}, {""feature"": ""Credit Utilization"", ""value"": -0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.04}, {""feature"": ""Month on Book"", ""value"": -0.04}, {""feature"": ""Payment Ratio"", ""value"": -0.03}]"
CUST0054,2025-06-30,87,High Risk,198568,15936,5037,16.54,193269,2024-12-03,2024-11-08,Irregular Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.23}, {""feature"": ""Payment Ratio"", ""value"": -0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Time since last delinquency"", ""value"": -0.09}]"
CUST0054,2025-07-31,730,Low Risk,198568,15936,7225,15.15,188484,2024-12-12,2024-12-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}]"
CUST0054,2025-08-31,728,Low Risk,198568,15936,7383,16.57,183704,2025-01-31,2025-01-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.0}, {""feature"": ""Time since last delinquency"", ""value"": -0.0}, {""feature"": ""Month on Book"", ""value"": -0.0}, {""feature"": ""Payment Ratio"", ""value"": -0.0}, {""feature"": ""Credit Utilization"", ""value"": -0.0}]"
CUST0054,2025-09-28,324,High Risk,198568,15936,6050,15.72,180060,2025-02-08,2025-02-08,On Time,180+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.35}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.28}, {""feature"": ""Credit Utilization"", ""value"": -0.22}, {""feature"": ""Payment Ratio"", ""value"": -0.18}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}]"
CUST0054,2025-10-31,455,Medium Risk,198568,15936,3170,15.72,179249,2025-03-11,2025-03-08,On Time,0-30,Current,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": -0.24}, {""feature"": ""Month on Book"", ""value"": -0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Payment Ratio"", ""value"": -0.12}, {""feature"": ""Credit Utilization"", ""value"": -0.1}]"
CUST0054,2025-11-30,89,High Risk,198568,15936,0,15.37,181545,,2025-04-08,Non Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}, {""feature"": ""Month on Book"", ""value"": 0.12}]"
CUST0054,2025-12-31,570,Medium Risk,198568,15936,1430,16.11,182552,2025-05-11,2025-05-08,On Time,0-30,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.42}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.34}, {""feature"": ""Month on Book"", ""value"": 0.27}, {""feature"": ""Payment Ratio"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.17}]"
CUST0054,2026-01-31,91,High Risk,198568,15936,6315,15.71,178627,2025-06-27,2025-06-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.08}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}, {""feature"": ""Credit Utilization"", ""value"": -0.05}, {""feature"": ""Payment Ratio"", ""value"": -0.04}]"
CUST0055,2025-02-28,298,High Risk,472837,32749,4977,15.83,474097,2024-07-31,2024-07-08,Irregular Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.28}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.14}, {""feature"": ""Payment Ratio"", ""value"": 0.11}]"
CUST0055,2025-03-31,585,Medium Risk,472837,32749,3274,16.04,477160,2024-08-13,2024-08-08,Late Payer,0-30,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.14}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}, {""feature"": ""Credit Utilization"", ""value"": -0.07}]"
CUST0055,2025-04-30,275,High Risk,472837,32749,0,15.6,483363,,2024-09-08,Non Payer,210+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.48}, {""feature"": ""Time since last delinquency"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.31}, {""feature"": ""Month on Book"", ""value"": 0.25}, {""feature"": ""Payment Ratio"", ""value"": 0.2}]"
CUST0055,2025-05-31,149,High Risk,472837,32749,7899,15.13,481559,2024-10-16,2024-10-08,Late Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.18}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.12}, {""feature"": ""Payment Ratio"", ""value"": 0.09}, {""feature"": ""Month on Book"", ""value"": 0.07}]"
CUST0055,2025-06-30,306,High Risk,472837,32749,5123,15.97,482844,2024-11-19,2024-11-08,Irregular Payer,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.18}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}]"
CUST0055,2025-07-31,966,Low Risk,472837,32749,0,15.49,489077,,2024-12-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.48}, {""feature"": ""Payment Ratio"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.31}, {""feature"": ""Credit Utilization"", ""value"": 0.25}, {""feature"": ""Month on Book"", ""value"": 0.2}]"
CUST0055,2025-08-31,608,Medium Risk,472837,32749,0,16.23,495692,,2025-01-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.14}, {""feature"": ""Time since last delinquency"", ""value"": 0.11}, {""feature"": ""Credit Utilization"", ""value"": 0.09}, {""feature"": ""Payment Ratio"", ""value"": 0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.06}]"
CUST0055,2025-09-28,109,High Risk,472837,32749,6443,15.27,495557,2025-02-20,2025-02-08,Irregular Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.42}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.34}, {""feature"": ""Month on Book"", ""value"": 0.27}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.17}]"
CUST0055,2025-10-31,861,Low Risk,472837,32749,6484,16.24,495779,2025-03-22,2025-03-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.57}, {""feature"": ""Payment Ratio"", ""value"": 0.46}, {""feature"": ""Credit Utilization"", ""value"": 0.36}, {""feature"": ""Time since last delinquency"", ""value"": 0.29}, {""feature"": ""Month on Book"", ""value"": 0.23}]"
CUST0055,2025-11-30,440,Medium Risk,472837,32749,0,16.63,502650,,2025-04-08,Non Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": -0.21}, {""feature"": ""Time since last delinquency"", ""value"": -0.17}, {""feature"": ""Payment Ratio"", ""value"": -0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.11}, {""feature"": ""Month on Book"", ""value"": -0.09}]"
CUST0055,2025-12-31,139,High Risk,472837,32749,0,15.6,509184,,2025-05-08,Non Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.01}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}]"
CUST0055,2026-01-31,970,Low Risk,472837,32749,0,16.39,516139,,2025-06-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.35}, {""feature"": ""Credit Utilization"", ""value"": -0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.22}, {""feature"": ""Time since last delinquency"", ""value"": -0.18}, {""feature"": ""Month on Book"", ""value"": -0.14}]"
CUST0056,2025-02-28,407,Medium Risk,184722,10876,9044,16.94,178285,2024-07-31,2024-07-08,Irregular Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": 0.01}, {""feature"": ""Payment Ratio"", ""value"": 0.01}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.0}]"
CUST0056,2025-03-31,990,Low Risk,184722,10876,7161,16.15,173524,2024-08-18,2024-08-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}, {""feature"": ""Payment Ratio"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}]"
CUST0056,2025-04-30,287,High Risk,184722,10876,2865,16.63,173063,2024-09-19,2024-09-08,Irregular Payer,210+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": -0.34}, {""feature"": ""Credit Utilization"", ""value"": -0.27}, {""feature"": ""Month on Book"", ""value"": -0.22}, {""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}]"
CUST0056,2025-05-31,954,Low Risk,184722,10876,0,16.13,175390,,2024-10-08,Non Payer,210+ DPD,Delinquent,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}, {""feature"": ""Month on Book"", ""value"": -0.11}, {""feature"": ""Payment Ratio"", ""value"": -0.09}, {""feature"": ""Credit Utilization"", ""value"": -0.07}]"
CUST0056,2025-06-30,558,Medium Risk,184722,10876,0,15.36,177635,,2024-11-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": 0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Month on Book"", ""value"": 0.02}]"
CUST0056,2025-07-31,27,High Risk,184722,10876,0,16.91,180138,,2024-12-08,Non Payer,150+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.38}, {""feature"": ""Month on Book"", ""value"": 0.3}, {""feature"": ""Payment Ratio"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.16}]"
CUST0056,2025-08-31,965,Low Risk,184722,10876,0,16.42,182603,,2025-01-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.27}, {""feature"": ""Credit Utilization"", ""value"": -0.22}, {""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Month on Book"", ""value"": -0.14}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}]"
CUST0056,2025-09-28,816,Low Risk,184722,10876,7703,15.58,177270,2025-03-06,2025-02-08,Irregular Payer,240+ DPD,Delinquent,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.15}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Credit Utilization"", ""value"": -0.06}]"
CUST0056,2025-10-31,689,Low Risk,184722,10876,5139,16.0,174495,2025-03-15,2025-03-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.07}, {""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Payment Ratio"", ""value"": 0.03}]"
CUST0056,2025-11-30,674,Low Risk,184722,10876,7176,15.31,169545,2025-05-03,2025-04-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.16}, {""feature"": ""Payment Ratio"", ""value"": -0.13}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.08}, {""feature"": ""Time since last delinquency"", ""value"": -0.07}]"
CUST0056,2025-12-31,75,High Risk,184722,10876,0,15.9,171792,,2025-05-08,Non Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.57}, {""feature"": ""Credit Utilization"", ""value"": 0.46}, {""feature"": ""Payment Ratio"", ""value"": 0.36}, {""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}]"
CUST0056,2026-01-31,490,Medium Risk,184722,10876,0,16.16,174105,,2025-06-08,Non Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.01}, {""feature"": ""Month on Book"", ""value"": 0.01}]"
CUST0057,2025-02-28,890,Low Risk,285610,27468,0,16.38,289508,,2024-07-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.21}, {""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.13}, {""feature"": ""Credit Utilization"", ""value"": 0.11}, {""feature"": ""Payment Ratio"", ""value"": 0.09}]"
CUST0057,2025-03-31,37,High Risk,285610,27468,9796,16.58,283712,2024-08-30,2024-08-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.11}, {""feature"": ""Month on Book"", ""value"": -0.09}, {""feature"": ""Credit Utilization"", ""value"": -0.07}]"
CUST0057,2025-04-30,608,Medium Risk,285610,27468,5067,16.28,282494,2024-09-11,2024-09-08,On Time,0-30,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.3}, {""feature"": ""Month on Book"", ""value"": -0.24}, {""feature"": ""Payment Ratio"", ""value"": -0.19}, {""feature"": ""Time since last delinquency"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}]"
CUST0057,2025-05-31,673,Low Risk,285610,27468,1725,16.33,284613,2024-10-28,2024-10-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.26}, {""feature"": ""Month on Book"", ""value"": -0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}]"
CUST0057,2025-06-30,576,Medium Risk,285610,27468,6432,16.97,282206,2024-12-02,2024-11-08,Irregular Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": 0.48}, {""feature"": ""Time since last delinquency"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.31}, {""feature"": ""Credit Utilization"", ""value"": 0.25}, {""feature"": ""Month on Book"", ""value"": 0.2}]"
CUST0057,2025-07-31,988,Low Risk,285610,27468,2615,16.59,283493,2024-12-08,2024-12-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.34}, {""feature"": ""Credit Utilization"", ""value"": 0.27}, {""feature"": ""Payment Ratio"", ""value"": 0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.17}, {""feature"": ""Month on Book"", ""value"": 0.14}]"
CUST0057,2025-08-31,264,High Risk,285610,27468,0,15.44,287140,,2025-01-08,Non Payer,180+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": -0.27}, {""feature"": ""Time since last delinquency"", ""value"": -0.22}, {""feature"": ""Month on Book"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.11}]"
CUST0057,2025-09-28,571,Medium Risk,285610,27468,0,16.16,291007,,2025-02-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": 0.44}, {""feature"": ""Time since last delinquency"", ""value"": 0.35}, {""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Month on Book"", ""value"": 0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}]"
CUST0057,2025-10-31,226,High Risk,285610,27468,9199,15.89,285662,2025-03-22,2025-03-08,Irregular Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.54}, {""feature"": ""Month on Book"", ""value"": 0.43}, {""feature"": ""Payment Ratio"", ""value"": 0.35}, {""feature"": ""Time since last delinquency"", ""value"": 0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}]"
CUST0057,2025-11-30,154,High Risk,285610,27468,2712,15.69,286685,2025-04-23,2025-04-08,Irregular Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.22}, {""feature"": ""Time since last delinquency"", ""value"": -0.18}, {""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.11}, {""feature"": ""Payment Ratio"", ""value"": -0.09}]"
CUST0057,2025-12-31,302,High Risk,285610,27468,3321,15.83,287146,2025-05-11,2025-05-08,On Time,0-30,Current,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.24}, {""feature"": ""Credit Utilization"", ""value"": -0.19}, {""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}]"
CUST0057,2026-01-31,356,Medium Risk,285610,27468,0,15.62,290883,,2025-06-08,Non Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": -0.29}, {""feature"": ""Payment Ratio"", ""value"": -0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.19}, {""feature"": ""Time since last delinquency"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}]"
CUST0058,2025-02-28,494,Medium Risk,431183,26019,8412,15.7,428412,2024-07-22,2024-07-08,Irregular Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.52}, {""feature"": ""Time since last delinquency"", ""value"": 0.42}, {""feature"": ""Month on Book"", ""value"": 0.33}, {""feature"": ""Payment Ratio"", ""value"": 0.27}, {""feature"": ""Credit Utilization"", ""value"": 0.21}]"
CUST0058,2025-03-31,326,High Risk,431183,26019,2885,15.13,430928,2024-09-02,2024-08-08,Irregular Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": -0.31}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.25}, {""feature"": ""Credit Utilization"", ""value"": -0.2}, {""feature"": ""Month on Book"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}]"
CUST0058,2025-04-30,23,High Risk,431183,26019,3692,16.7,433233,2024-09-29,2024-09-08,Irregular Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.55}, {""feature"": ""Payment Ratio"", ""value"": 0.44}, {""feature"": ""Credit Utilization"", ""value"": 0.35}, {""feature"": ""Time since last delinquency"", ""value"": 0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}]"
CUST0058,2025-05-31,952,Low Risk,431183,26019,3858,16.97,435502,2024-10-24,2024-10-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.05}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}, {""feature"": ""Payment Ratio"", ""value"": -0.03}, {""feature"": ""Month on Book"", ""value"": -0.02}]"
CUST0058,2025-06-30,565,Medium Risk,431183,26019,0,15.32,441062,,2024-11-08,Non Payer,0-30,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": -0.02}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}, {""feature"": ""Month on Book"", ""value"": -0.01}, {""feature"": ""Credit Utilization"", ""value"": -0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.01}]"
CUST0058,2025-07-31,436,Medium Risk,431183,26019,7636,16.92,439645,2025-01-02,2024-12-08,Irregular Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.32}, {""feature"": ""Time since last delinquency"", ""value"": -0.26}, {""feature"": ""Month on Book"", ""value"": -0.2}, {""feature"": ""Payment Ratio"", ""value"": -0.16}, {""feature"": ""Credit Utilization"", ""value"": -0.13}]"
CUST0058,2025-08-31,644,Medium Risk,431183,26019,1478,15.37,443798,2025-01-20,2025-01-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": 0.4}, {""feature"": ""Time since last delinquency"", ""value"": 0.32}, {""feature"": ""Month on Book"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.16}]"
CUST0058,2025-09-28,755,Low Risk,431183,26019,8037,16.23,441764,2025-02-22,2025-02-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.56}, {""feature"": ""Payment Ratio"", ""value"": 0.45}, {""feature"": ""Credit Utilization"", ""value"": 0.36}, {""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}]"
CUST0058,2025-10-31,398,Medium Risk,431183,26019,5560,15.01,441729,2025-03-14,2025-03-08,Late Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Month on Book"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Credit Utilization"", ""value"": 0.08}]"
CUST0058,2025-11-30,770,Low Risk,431183,26019,2667,16.41,445103,2025-04-26,2025-04-08,Irregular Payer,210+ DPD,Delinquent,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.52}, {""feature"": ""Month on Book"", ""value"": 0.42}, {""feature"": ""Credit Utilization"", ""value"": 0.33}, {""feature"": ""Payment Ratio"", ""value"": 0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.21}]"
CUST0058,2025-12-31,818,Low Risk,431183,26019,6340,16.74,444972,2025-05-19,2025-05-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.18}, {""feature"": ""Month on Book"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}, {""feature"": ""Time since last delinquency"", ""value"": -0.07}]"
CUST0058,2026-01-31,201,High Risk,431183,26019,9019,15.92,441856,2025-06-29,2025-06-08,Irregular Payer,180+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.32}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}, {""feature"": ""Month on Book"", ""value"": 0.13}]"
CUST0059,2025-02-28,320,High Risk,296674,29161,0,16.19,300676,,2024-07-08,Non Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.09}, {""feature"": ""Month on Book"", ""value"": 0.07}, {""feature"": ""Payment Ratio"", ""value"": 0.06}, {""feature"": ""Time since last delinquency"", ""value"": 0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}]"
CUST0059,2025-03-31,401,Medium Risk,296674,29161,8501,16.17,296227,2024-08-19,2024-08-08,Irregular Payer,120+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}, {""feature"": ""Payment Ratio"", ""value"": -0.06}]"
CUST0059,2025-04-30,632,Medium Risk,296674,29161,2388,15.35,297628,2024-10-07,2024-09-08,Irregular Payer,60+ DPD,Delinquent,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.54}, {""feature"": ""Time since last delinquency"", ""value"": 0.43}, {""feature"": ""Month on Book"", ""value"": 0.35}, {""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Credit Utilization"", ""value"": 0.22}]"
CUST0059,2025-05-31,688,Low Risk,296674,29161,6003,15.27,295412,2024-10-15,2024-10-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Time since last delinquency"", ""value"": -0.09}]"
CUST0059,2025-06-30,119,High Risk,296674,29161,7364,15.37,291832,2024-11-24,2024-11-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.07}, {""feature"": ""Month on Book"", ""value"": -0.06}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Payment Ratio"", ""value"": -0.03}]"
CUST0059,2025-07-31,428,Medium Risk,296674,29161,0,16.19,295769,,2024-12-08,Non Payer,150+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Payment Ratio"", ""value"": 0.05}]"
CUST0059,2025-08-31,392,Medium Risk,296674,29161,0,15.85,299676,,2025-01-08,Non Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": 0.47}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.38}, {""feature"": ""Credit Utilization"", ""value"": 0.3}, {""feature"": ""Month on Book"", ""value"": 0.24}, {""feature"": ""Payment Ratio"", ""value"": 0.19}]"
CUST0059,2025-09-28,650,Medium Risk,296674,29161,3733,16.07,299956,2025-02-25,2025-02-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": 0.5}, {""feature"": ""Month on Book"", ""value"": 0.4}, {""feature"": ""Time since last delinquency"", ""value"": 0.32}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.2}]"
CUST0059,2025-10-31,501,Medium Risk,296674,29161,8389,15.58,295462,2025-03-18,2025-03-08,Late Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Payment Ratio"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}, {""feature"": ""Month on Book"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.0}]"
CUST0059,2025-11-30,634,Medium Risk,296674,29161,8939,15.11,290243,2025-04-08,2025-04-08,On Time,30+ DPD,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": -0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Month on Book"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.11}]"
CUST0059,2025-12-31,139,High Risk,296674,29161,9281,15.39,284684,2025-05-25,2025-05-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": -0.13}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.05}]"
CUST0059,2026-01-31,668,Low Risk,296674,29161,0,15.99,288478,,2025-06-08,Non Payer,30+ DPD,Delinquent,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.23}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}, {""feature"": ""Month on Book"", ""value"": 0.12}, {""feature"": ""Payment Ratio"", ""value"": 0.09}]"
CUST0060,2025-02-28,454,Medium Risk,237910,20342,1505,15.98,239573,2024-07-26,2024-07-08,Irregular Payer,240+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": -0.18}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}]"
CUST0060,2025-03-31,814,Low Risk,237910,20342,5503,16.52,237368,2024-08-09,2024-08-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.34}, {""feature"": ""Payment Ratio"", ""value"": 0.27}, {""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.17}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}]"
CUST0060,2025-04-30,230,High Risk,237910,20342,8492,16.08,232057,2024-10-02,2024-09-08,Irregular Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.54}, {""feature"": ""Time since last delinquency"", ""value"": 0.43}, {""feature"": ""Payment Ratio"", ""value"": 0.35}, {""feature"": ""Credit Utilization"", ""value"": 0.28}, {""feature"": ""Month on Book"", ""value"": 0.22}]"
CUST0060,2025-05-31,579,Medium Risk,237910,20342,0,16.49,235245,,2024-10-08,Non Payer,120+ DPD,Delinquent,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.17}, {""feature"": ""Payment Ratio"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.11}, {""feature"": ""Month on Book"", ""value"": -0.09}, {""feature"": ""Time since last delinquency"", ""value"": -0.07}]"
CUST0060,2025-06-30,562,Medium Risk,237910,20342,0,16.02,238386,,2024-11-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.48}, {""feature"": ""Month on Book"", ""value"": 0.38}, {""feature"": ""Credit Utilization"", ""value"": 0.31}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.25}, {""feature"": ""Payment Ratio"", ""value"": 0.2}]"
CUST0060,2025-07-31,116,High Risk,237910,20342,0,15.54,241473,,2024-12-08,Non Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.34}, {""feature"": ""Payment Ratio"", ""value"": 0.27}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.17}, {""feature"": ""Month on Book"", ""value"": 0.14}]"
CUST0060,2025-08-31,843,Low Risk,237910,20342,0,16.98,244890,,2025-01-08,Non Payer,60+ DPD,Delinquent,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.23}, {""feature"": ""Credit Utilization"", ""value"": -0.18}, {""feature"": ""Month on Book"", ""value"": -0.15}, {""feature"": ""Payment Ratio"", ""value"": -0.12}, {""feature"": ""Time since last delinquency"", ""value"": -0.09}]"
CUST0060,2025-09-28,842,Low Risk,237910,20342,0,16.51,248259,,2025-02-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.5}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.4}, {""feature"": ""Payment Ratio"", ""value"": 0.32}, {""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}]"
CUST0060,2025-10-31,559,Medium Risk,237910,20342,5055,15.44,246398,2025-03-11,2025-03-08,On Time,30+ DPD,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": 0.33}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.21}, {""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}]"
CUST0060,2025-11-30,304,High Risk,237910,20342,5305,16.75,244533,2025-04-22,2025-04-08,Irregular Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.38}, {""feature"": ""Time since last delinquency"", ""value"": 0.3}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}, {""feature"": ""Month on Book"", ""value"": 0.19}, {""feature"": ""Payment Ratio"", ""value"": 0.16}]"
CUST0060,2025-12-31,356,Medium Risk,237910,20342,2923,16.72,245017,2025-05-22,2025-05-08,Irregular Payer,120+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": -0.05}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}]"
CUST0060,2026-01-31,794,Low Risk,237910,20342,6744,16.62,241666,2025-07-03,2025-06-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.4}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.32}, {""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Payment Ratio"", ""value"": 0.2}, {""feature"": ""Month on Book"", ""value"": 0.16}]"
CUST0061,2025-02-28,647,Medium Risk,471437,40325,0,15.86,477667,,2024-07-08,Non Payer,0-30,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": -0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}]"
CUST0061,2025-03-31,142,High Risk,471437,40325,1972,16.57,482291,2024-09-02,2024-08-08,Irregular Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.55}, {""feature"": ""Time since last delinquency"", ""value"": 0.44}, {""feature"": ""Credit Utilization"", ""value"": 0.35}, {""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}]"
CUST0061,2025-04-30,583,Medium Risk,471437,40325,9827,15.7,478774,2024-09-27,2024-09-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}, {""feature"": ""Payment Ratio"", ""value"": -0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}]"
CUST0061,2025-05-31,172,High Risk,471437,40325,5380,15.65,479638,2024-10-17,2024-10-08,Late Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.05}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Payment Ratio"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.03}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}]"
CUST0061,2025-06-30,975,Low Risk,471437,40325,7743,16.72,478578,2024-11-12,2024-11-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}]"
CUST0061,2025-07-31,940,Low Risk,471437,40325,3078,15.12,481530,2025-01-04,2024-12-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.35}, {""feature"": ""Payment Ratio"", ""value"": -0.28}, {""feature"": ""Month on Book"", ""value"": -0.22}, {""feature"": ""Time since last delinquency"", ""value"": -0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}]"
CUST0061,2025-08-31,718,Low Risk,471437,40325,6277,16.73,481967,2025-01-12,2025-01-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.43}, {""feature"": ""Payment Ratio"", ""value"": 0.34}, {""feature"": ""Credit Utilization"", ""value"": 0.28}, {""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}]"
CUST0061,2025-09-28,848,Low Risk,471437,40325,3329,15.5,484863,2025-02-23,2025-02-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.29}, {""feature"": ""Time since last delinquency"", ""value"": -0.23}, {""feature"": ""Month on Book"", ""value"": -0.19}, {""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.12}]"
CUST0061,2025-10-31,591,Medium Risk,471437,40325,8405,16.26,483028,2025-03-20,2025-03-08,Irregular Payer,150+ DPD,Delinquent,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": -0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Month on Book"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}]"
CUST0061,2025-11-30,77,High Risk,471437,40325,9447,16.27,480130,2025-04-20,2025-04-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.48}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.38}, {""feature"": ""Credit Utilization"", ""value"": 0.31}, {""feature"": ""Month on Book"", ""value"": 0.25}, {""feature"": ""Payment Ratio"", ""value"": 0.2}]"
CUST0061,2025-12-31,767,Low Risk,471437,40325,8996,15.56,477360,2025-05-22,2025-05-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.25}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.13}, {""feature"": ""Payment Ratio"", ""value"": 0.1}]"
CUST0061,2026-01-31,335,High Risk,471437,40325,8511,16.16,475277,2025-07-01,2025-06-08,Irregular Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": -0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.05}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}, {""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Credit Utilization"", ""value"": -0.02}]"
CUST0062,2025-02-28,366,Medium Risk,352839,29358,0,16.7,357749,,2024-07-08,Non Payer,240+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.31}, {""feature"": ""Credit Utilization"", ""value"": -0.25}, {""feature"": ""Time since last delinquency"", ""value"": -0.2}, {""feature"": ""Month on Book"", ""value"": -0.16}, {""feature"": ""Payment Ratio"", ""value"": -0.13}]"
CUST0062,2025-03-31,407,Medium Risk,352839,29358,4470,15.44,357882,2024-09-03,2024-08-08,Irregular Payer,240+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": 0.37}, {""feature"": ""Time since last delinquency"", ""value"": 0.3}, {""feature"": ""Payment Ratio"", ""value"": 0.24}, {""feature"": ""Credit Utilization"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}]"
CUST0062,2025-04-30,506,Medium Risk,352839,29358,9967,15.54,352549,2024-09-18,2024-09-08,Late Payer,180+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": 0.5}, {""feature"": ""Credit Utilization"", ""value"": 0.4}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.32}, {""feature"": ""Time since last delinquency"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.2}]"
CUST0062,2025-05-31,591,Medium Risk,352839,29358,0,15.26,357033,,2024-10-08,Non Payer,180+ DPD,Delinquent,Monitor,"[{""feature"": ""Month on Book"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}]"
CUST0062,2025-06-30,807,Low Risk,352839,29358,2631,15.69,359070,2024-11-09,2024-11-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.2}, {""feature"": ""Month on Book"", ""value"": -0.16}, {""feature"": ""Payment Ratio"", ""value"": -0.13}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.08}]"
CUST0062,2025-07-31,641,Medium Risk,352839,29358,0,16.57,364028,,2024-12-08,Non Payer,0-30,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.57}, {""feature"": ""Payment Ratio"", ""value"": 0.46}, {""feature"": ""Month on Book"", ""value"": 0.36}, {""feature"": ""Credit Utilization"", ""value"": 0.29}, {""feature"": ""Time since last delinquency"", ""value"": 0.23}]"
CUST0062,2025-08-31,16,High Risk,352839,29358,8479,15.25,360175,2025-01-22,2025-01-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}]"
CUST0062,2025-09-28,0,High Risk,352839,29358,3161,16.98,362111,2025-02-14,2025-02-08,Late Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.09}, {""feature"": ""Payment Ratio"", ""value"": 0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.06}, {""feature"": ""Credit Utilization"", ""value"": 0.05}, {""feature"": ""Time since last delinquency"", ""value"": 0.04}]"
CUST0062,2025-10-31,903,Low Risk,352839,29358,5489,16.3,361540,2025-04-04,2025-03-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.01}]"
CUST0062,2025-11-30,95,High Risk,352839,29358,7092,16.31,359362,2025-04-10,2025-04-08,On Time,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.53}, {""feature"": ""Payment Ratio"", ""value"": 0.42}, {""feature"": ""Credit Utilization"", ""value"": 0.34}, {""feature"": ""Month on Book"", ""value"": 0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}]"
CUST0062,2025-12-31,680,Low Risk,352839,29358,7493,16.81,356903,2025-05-09,2025-05-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.11}, {""feature"": ""Time since last delinquency"", ""value"": 0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.07}, {""feature"": ""Month on Book"", ""value"": 0.06}, {""feature"": ""Payment Ratio"", ""value"": 0.05}]"
CUST0062,2026-01-31,640,Medium Risk,352839,29358,2494,15.61,359052,2025-06-21,2025-06-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": 0.05}, {""feature"": ""Time since last delinquency"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.03}, {""feature"": ""Month on Book"", ""value"": 0.02}]"
CUST0063,2025-02-28,218,High Risk,388940,21298,4705,15.95,389404,2024-07-26,2024-07-08,Irregular Payer,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.59}, {""feature"": ""Payment Ratio"", ""value"": 0.47}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.38}, {""feature"": ""Credit Utilization"", ""value"": 0.3}, {""feature"": ""Month on Book"", ""value"": 0.24}]"
CUST0063,2025-03-31,531,Medium Risk,388940,21298,6629,16.36,388084,2024-08-08,2024-08-08,On Time,240+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.5}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.4}, {""feature"": ""Month on Book"", ""value"": 0.32}, {""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.2}]"
CUST0063,2025-04-30,836,Low Risk,388940,21298,3165,15.24,389848,2024-09-30,2024-09-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.05}, {""feature"": ""Payment Ratio"", ""value"": -0.04}]"
CUST0063,2025-05-31,489,Medium Risk,388940,21298,2678,15.14,392088,2024-10-10,2024-10-08,On Time,60+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": -0.02}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.01}, {""feature"": ""Month on Book"", ""value"": -0.01}, {""feature"": ""Payment Ratio"", ""value"": -0.01}]"
CUST0063,2025-06-30,105,High Risk,388940,21298,7270,15.63,389925,2024-11-12,2024-11-08,Late Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.08}, {""feature"": ""Payment Ratio"", ""value"": -0.07}]"
CUST0063,2025-07-31,792,Low Risk,388940,21298,3340,16.63,391989,2024-12-28,2024-12-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.0}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.0}, {""feature"": ""Credit Utilization"", ""value"": -0.0}, {""feature"": ""Month on Book"", ""value"": -0.0}, {""feature"": ""Time since last delinquency"", ""value"": -0.0}]"
CUST0063,2025-08-31,70,High Risk,388940,21298,3688,16.06,393547,2025-01-27,2025-01-08,Irregular Payer,150+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.18}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}, {""feature"": ""Month on Book"", ""value"": 0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}]"
CUST0063,2025-09-28,450,Medium Risk,388940,21298,3480,15.7,395216,2025-02-28,2025-02-08,Irregular Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": -0.19}, {""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.12}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}]"
CUST0063,2025-10-31,941,Low Risk,388940,21298,0,15.82,400426,,2025-03-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.11}, {""feature"": ""Month on Book"", ""value"": -0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}]"
CUST0063,2025-11-30,880,Low Risk,388940,21298,3017,15.43,402558,2025-04-12,2025-04-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.05}, {""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.03}, {""feature"": ""Credit Utilization"", ""value"": 0.02}]"
CUST0063,2025-12-31,603,Medium Risk,388940,21298,6152,16.46,401928,2025-05-21,2025-05-08,Irregular Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.08}, {""feature"": ""Credit Utilization"", ""value"": -0.06}, {""feature"": ""Time since last delinquency"", ""value"": -0.05}, {""feature"": ""Payment Ratio"", ""value"": -0.04}]"
CUST0063,2026-01-31,810,Low Risk,388940,21298,2380,15.28,404666,2025-06-28,2025-06-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.11}, {""feature"": ""Payment Ratio"", ""value"": 0.09}]"
CUST0064,2025-02-28,614,Medium Risk,150110,11659,1439,16.44,150727,2024-08-01,2024-07-08,Irregular Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": 0.23}, {""feature"": ""Payment Ratio"", ""value"": 0.18}, {""feature"": ""Month on Book"", ""value"": 0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.12}, {""feature"": ""Time since last delinquency"", ""value"": 0.09}]"
CUST0064,2025-03-31,868,Low Risk,150110,11659,9482,16.69,143341,2024-08-14,2024-08-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.36}, {""feature"": ""Payment Ratio"", ""value"": 0.29}, {""feature"": ""Time since last delinquency"", ""value"": 0.23}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.15}]"
CUST0064,2025-04-30,621,Medium Risk,150110,11659,1894,16.02,143361,2024-09-17,2024-09-08,Late Payer,0-30,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": -0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.03}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}, {""feature"": ""Month on Book"", ""value"": -0.02}, {""feature"": ""Credit Utilization"", ""value"": -0.02}]"
CUST0064,2025-05-31,802,Low Risk,150110,11659,7322,16.8,138046,2024-10-23,2024-10-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.56}, {""feature"": ""Time since last delinquency"", ""value"": 0.45}, {""feature"": ""Month on Book"", ""value"": 0.36}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Credit Utilization"", ""value"": 0.23}]"
CUST0064,2025-06-30,115,High Risk,150110,11659,0,15.48,139827,,2024-11-08,Non Payer,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.19}, {""feature"": ""Credit Utilization"", ""value"": -0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.12}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}]"
CUST0064,2025-07-31,72,High Risk,150110,11659,6185,16.06,135513,2024-12-19,2024-12-08,Irregular Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.07}, {""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Time since last delinquency"", ""value"": 0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.03}]"
CUST0064,2025-08-31,135,High Risk,150110,11659,0,15.77,137294,,2025-01-08,Non Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.19}, {""feature"": ""Credit Utilization"", ""value"": 0.15}, {""feature"": ""Time since last delinquency"", ""value"": 0.12}]"
CUST0064,2025-09-28,430,Medium Risk,150110,11659,8717,15.73,130377,2025-03-04,2025-02-08,Irregular Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": -0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.22}, {""feature"": ""Time since last delinquency"", ""value"": -0.17}, {""feature"": ""Payment Ratio"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.11}]"
CUST0064,2025-10-31,977,Low Risk,150110,11659,2106,16.97,130115,2025-03-08,2025-03-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.12}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}, {""feature"": ""Month on Book"", ""value"": -0.06}, {""feature"": ""Payment Ratio"", ""value"": -0.05}]"
CUST0064,2025-11-30,14,High Risk,150110,11659,1990,15.52,129807,2025-05-07,2025-04-08,Irregular Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}]"
CUST0064,2025-12-31,971,Low Risk,150110,11659,0,16.58,131601,,2025-05-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.11}, {""feature"": ""Month on Book"", ""value"": -0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}]"
CUST0064,2026-01-31,293,High Risk,150110,11659,0,16.26,133384,,2025-06-08,Non Payer,150+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.03}, {""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.02}]"
CUST0065,2025-02-28,718,Low Risk,422186,29878,0,15.8,427744,,2024-07-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Time since last delinquency"", ""value"": 0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}, {""feature"": ""Credit Utilization"", ""value"": 0.07}]"
CUST0065,2025-03-31,550,Medium Risk,422186,29878,6077,16.23,427453,2024-08-10,2024-08-08,On Time,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.2}, {""feature"": ""Payment Ratio"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}]"
CUST0065,2025-04-30,80,High Risk,422186,29878,3545,16.02,429614,2024-10-03,2024-09-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Month on Book"", ""value"": 0.1}, {""feature"": ""Credit Utilization"", ""value"": 0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.07}]"
CUST0065,2025-05-31,549,Medium Risk,422186,29878,0,15.65,435217,,2024-10-08,Non Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.36}, {""feature"": ""Payment Ratio"", ""value"": 0.29}, {""feature"": ""Month on Book"", ""value"": 0.23}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}]"
CUST0065,2025-06-30,649,Medium Risk,422186,29878,8167,16.53,433045,2024-11-17,2024-11-08,Late Payer,0-30,Current,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": 0.23}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.15}, {""feature"": ""Time since last delinquency"", ""value"": 0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}]"
CUST0065,2025-07-31,747,Low Risk,422186,29878,5005,16.91,434142,2024-12-09,2024-12-08,On Time,120+ DPD,Delinquent,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.57}, {""feature"": ""Time since last delinquency"", ""value"": 0.46}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.36}, {""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Credit Utilization"", ""value"": 0.23}]"
CUST0065,2025-08-31,88,High Risk,422186,29878,1901,16.85,438337,2025-01-22,2025-01-08,Irregular Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Credit Utilization"", ""value"": -0.06}]"
CUST0065,2025-09-28,316,High Risk,422186,29878,1207,16.33,443096,2025-02-11,2025-02-08,On Time,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.55}, {""feature"": ""Month on Book"", ""value"": 0.44}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.35}, {""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Credit Utilization"", ""value"": 0.23}]"
CUST0065,2025-10-31,724,Low Risk,422186,29878,9133,15.27,439601,2025-03-13,2025-03-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}]"
CUST0065,2025-11-30,975,Low Risk,422186,29878,0,15.69,445349,,2025-04-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.27}, {""feature"": ""Time since last delinquency"", ""value"": -0.22}, {""feature"": ""Month on Book"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.11}]"
CUST0065,2025-12-31,801,Low Risk,422186,29878,7092,16.65,444436,2025-05-13,2025-05-08,Late Payer,150+ DPD,Delinquent,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.29}, {""feature"": ""Time since last delinquency"", ""value"": -0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.19}, {""feature"": ""Month on Book"", ""value"": -0.15}, {""feature"": ""Payment Ratio"", ""value"": -0.12}]"
CUST0065,2026-01-31,129,High Risk,422186,29878,2934,16.5,447613,2025-07-01,2025-06-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.51}, {""feature"": ""Time since last delinquency"", ""value"": 0.41}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.33}, {""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.21}]"
CUST0066,2025-02-28,343,High Risk,424451,40320,2046,16.61,428280,2024-07-24,2024-07-08,Irregular Payer,240+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.39}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.31}, {""feature"": ""Time since last delinquency"", ""value"": 0.25}, {""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}]"
CUST0066,2025-03-31,269,High Risk,424451,40320,0,16.42,434140,,2024-08-08,Non Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": 0.32}, {""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}]"
CUST0066,2025-04-30,642,Medium Risk,424451,40320,0,15.15,439621,,2024-09-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": -0.36}, {""feature"": ""Month on Book"", ""value"": -0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.23}, {""feature"": ""Credit Utilization"", ""value"": -0.18}, {""feature"": ""Time since last delinquency"", ""value"": -0.15}]"
CUST0066,2025-05-31,523,Medium Risk,424451,40320,0,15.72,445380,,2024-10-08,Non Payer,90+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": -0.01}, {""feature"": ""Payment Ratio"", ""value"": -0.01}, {""feature"": ""Month on Book"", ""value"": -0.01}, {""feature"": ""Credit Utilization"", ""value"": -0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.0}]"
CUST0066,2025-06-30,879,Low Risk,424451,40320,5179,16.13,446188,2024-11-13,2024-11-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}, {""feature"": ""Payment Ratio"", ""value"": 0.11}]"
CUST0066,2025-07-31,791,Low Risk,424451,40320,0,15.21,451843,,2024-12-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.3}, {""feature"": ""Time since last delinquency"", ""value"": -0.24}, {""feature"": ""Payment Ratio"", ""value"": -0.19}, {""feature"": ""Month on Book"", ""value"": -0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.12}]"
CUST0066,2025-08-31,690,Low Risk,424451,40320,9336,16.45,448701,2025-01-31,2025-01-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.24}, {""feature"": ""Month on Book"", ""value"": -0.19}, {""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.12}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}]"
CUST0066,2025-09-28,2,High Risk,424451,40320,1753,15.09,452591,2025-02-15,2025-02-08,Late Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.43}, {""feature"": ""Month on Book"", ""value"": 0.34}, {""feature"": ""Credit Utilization"", ""value"": 0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}]"
CUST0066,2025-10-31,483,Medium Risk,424451,40320,1579,15.73,456944,2025-03-13,2025-03-08,Late Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": 0.57}, {""feature"": ""Credit Utilization"", ""value"": 0.46}, {""feature"": ""Time since last delinquency"", ""value"": 0.36}, {""feature"": ""Payment Ratio"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}]"
CUST0066,2025-11-30,566,Medium Risk,424451,40320,6272,16.61,456997,2025-04-15,2025-04-08,Late Payer,120+ DPD,Delinquent,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.27}, {""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.17}, {""feature"": ""Credit Utilization"", ""value"": 0.14}, {""feature"": ""Time since last delinquency"", ""value"": 0.11}]"
CUST0066,2025-12-31,254,High Risk,424451,40320,2276,15.83,460750,2025-05-16,2025-05-08,Late Payer,150+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": -0.02}, {""feature"": ""Credit Utilization"", ""value"": -0.02}, {""feature"": ""Time since last delinquency"", ""value"": -0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.01}, {""feature"": ""Month on Book"", ""value"": -0.01}]"
CUST0066,2026-01-31,585,Medium Risk,424451,40320,0,15.75,466797,,2025-06-08,Non Payer,120+ DPD,Delinquent,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.51}, {""feature"": ""Time since last delinquency"", ""value"": 0.41}, {""feature"": ""Month on Book"", ""value"": 0.33}, {""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.21}]"
CUST0067,2025-02-28,183,High Risk,373016,35472,0,15.45,377818,,2024-07-08,Non Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.35}, {""feature"": ""Month on Book"", ""value"": 0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.18}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}]"
CUST0067,2025-03-31,47,High Risk,373016,35472,8620,16.91,374522,2024-09-05,2024-08-08,Irregular Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": -0.18}, {""feature"": ""Month on Book"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}]"
CUST0067,2025-04-30,886,Low Risk,373016,35472,2415,15.56,376963,2024-09-18,2024-09-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.02}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}, {""feature"": ""Payment Ratio"", ""value"": -0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.01}, {""feature"": ""Month on Book"", ""value"": -0.01}]"
CUST0067,2025-05-31,566,Medium Risk,373016,35472,5777,15.91,376184,2024-10-14,2024-10-08,Late Payer,0-30,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.05}, {""feature"": ""Payment Ratio"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}]"
CUST0067,2025-06-30,577,Medium Risk,373016,35472,0,16.57,381379,,2024-11-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}]"
CUST0067,2025-07-31,248,High Risk,373016,35472,0,15.93,386442,,2024-12-08,Non Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.02}]"
CUST0067,2025-08-31,995,Low Risk,373016,35472,9954,15.99,381637,2025-01-31,2025-01-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.35}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.28}, {""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.14}]"
CUST0067,2025-09-28,778,Low Risk,373016,35472,7718,16.59,379195,2025-02-08,2025-02-08,On Time,180+ DPD,Delinquent,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Month on Book"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}]"
CUST0067,2025-10-31,24,High Risk,373016,35472,1157,15.47,382927,2025-03-28,2025-03-08,Irregular Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}, {""feature"": ""Payment Ratio"", ""value"": -0.06}, {""feature"": ""Credit Utilization"", ""value"": -0.05}]"
CUST0067,2025-11-30,973,Low Risk,373016,35472,6038,15.67,381889,2025-05-05,2025-04-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Credit Utilization"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}]"
CUST0067,2025-12-31,106,High Risk,373016,35472,9061,15.41,377732,2025-05-21,2025-05-08,Irregular Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.11}, {""feature"": ""Credit Utilization"", ""value"": 0.09}, {""feature"": ""Month on Book"", ""value"": 0.07}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}]"
CUST0067,2026-01-31,984,Low Risk,373016,35472,5584,15.12,376908,2025-06-30,2025-06-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.34}, {""feature"": ""Month on Book"", ""value"": 0.27}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.14}]"
CUST0068,2025-02-28,237,High Risk,68772,3589,0,16.79,69734,,2024-07-08,Non Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": -0.19}, {""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}]"
CUST0068,2025-03-31,422,Medium Risk,68772,3589,2391,16.4,68296,2024-08-22,2024-08-08,Irregular Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.01}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}]"
CUST0068,2025-04-30,594,Medium Risk,68772,3589,7461,15.19,61699,2024-09-28,2024-09-08,Irregular Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.27}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.17}, {""feature"": ""Credit Utilization"", ""value"": 0.14}, {""feature"": ""Month on Book"", ""value"": 0.11}]"
CUST0068,2025-05-31,76,High Risk,68772,3589,3141,16.18,59390,2024-10-21,2024-10-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.35}, {""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.14}]"
CUST0068,2025-06-30,242,High Risk,68772,3589,7438,15.58,52723,2024-12-07,2024-11-08,Irregular Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": 0.52}, {""feature"": ""Credit Utilization"", ""value"": 0.42}, {""feature"": ""Time since last delinquency"", ""value"": 0.33}, {""feature"": ""Payment Ratio"", ""value"": 0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.21}]"
CUST0068,2025-07-31,717,Low Risk,68772,3589,8417,16.66,45038,2024-12-18,2024-12-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.09}, {""feature"": ""Payment Ratio"", ""value"": -0.07}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}, {""feature"": ""Month on Book"", ""value"": -0.05}, {""feature"": ""Credit Utilization"", ""value"": -0.04}]"
CUST0068,2025-08-31,278,High Risk,68772,3589,2785,15.47,42834,2025-01-12,2025-01-08,Late Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.08}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}, {""feature"": ""Payment Ratio"", ""value"": -0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.04}, {""feature"": ""Credit Utilization"", ""value"": -0.03}]"
CUST0068,2025-09-28,159,High Risk,68772,3589,0,15.21,43377,,2025-02-08,Non Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}, {""feature"": ""Month on Book"", ""value"": -0.02}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}, {""feature"": ""Payment Ratio"", ""value"": -0.01}]"
CUST0068,2025-10-31,477,Medium Risk,68772,3589,6870,15.63,37072,2025-03-25,2025-03-08,Irregular Payer,90+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}, {""feature"": ""Credit Utilization"", ""value"": -0.06}, {""feature"": ""Time since last delinquency"", ""value"": -0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.04}]"
CUST0068,2025-11-30,987,Low Risk,68772,3589,0,16.54,37583,,2025-04-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.17}, {""feature"": ""Month on Book"", ""value"": 0.13}, {""feature"": ""Payment Ratio"", ""value"": 0.11}, {""feature"": ""Credit Utilization"", ""value"": 0.09}]"
CUST0068,2025-12-31,315,High Risk,68772,3589,3582,15.93,34500,2025-05-10,2025-05-08,On Time,0-30,Current,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.0}, {""feature"": ""Time since last delinquency"", ""value"": 0.0}, {""feature"": ""Credit Utilization"", ""value"": 0.0}, {""feature"": ""Payment Ratio"", ""value"": 0.0}, {""feature"": ""Month on Book"", ""value"": 0.0}]"
CUST0068,2026-01-31,826,Low Risk,68772,3589,0,16.37,34970,,2025-06-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.47}, {""feature"": ""Time since last delinquency"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Payment Ratio"", ""value"": 0.24}, {""feature"": ""Credit Utilization"", ""value"": 0.19}]"
CUST0069,2025-02-28,877,Low Risk,41144,2499,5066,15.66,36614,2024-07-30,2024-07-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.33}, {""feature"": ""Month on Book"", ""value"": 0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.21}, {""feature"": ""Time since last delinquency"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.14}]"
CUST0069,2025-03-31,991,Low Risk,41144,2499,0,15.71,37094,,2024-08-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.19}, {""feature"": ""Time since last delinquency"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}]"
CUST0069,2025-04-30,50,High Risk,41144,2499,3848,16.35,33751,2024-10-04,2024-09-08,Irregular Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.53}, {""feature"": ""Time since last delinquency"", ""value"": 0.42}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.34}, {""feature"": ""Month on Book"", ""value"": 0.27}, {""feature"": ""Credit Utilization"", ""value"": 0.22}]"
CUST0069,2025-05-31,31,High Risk,41144,2499,0,16.9,34227,,2024-10-08,Non Payer,150+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.08}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}, {""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Payment Ratio"", ""value"": 0.03}]"
CUST0069,2025-06-30,569,Medium Risk,41144,2499,8570,16.5,26127,2024-11-11,2024-11-08,On Time,180+ DPD,Delinquent,Monitor,"[{""feature"": ""Month on Book"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.12}, {""feature"": ""Credit Utilization"", ""value"": -0.09}, {""feature"": ""Time since last delinquency"", ""value"": -0.07}]"
CUST0069,2025-07-31,104,High Risk,41144,2499,1195,16.61,25294,2024-12-11,2024-12-08,On Time,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.13}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}, {""feature"": ""Time since last delinquency"", ""value"": -0.07}, {""feature"": ""Payment Ratio"", ""value"": -0.05}]"
CUST0069,2025-08-31,63,High Risk,41144,2499,4246,16.66,21399,2025-01-12,2025-01-08,Late Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.11}, {""feature"": ""Time since last delinquency"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}]"
CUST0069,2025-09-28,843,Low Risk,41144,2499,5240,15.8,16441,2025-02-26,2025-02-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.19}, {""feature"": ""Time since last delinquency"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}]"
CUST0069,2025-10-31,939,Low Risk,41144,2499,4239,16.63,12430,2025-03-10,2025-03-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}, {""feature"": ""Month on Book"", ""value"": 0.09}, {""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}]"
CUST0069,2025-11-30,924,Low Risk,41144,2499,6432,16.29,6166,2025-04-10,2025-04-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.01}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}]"
CUST0069,2025-12-31,125,High Risk,41144,2499,0,15.09,6244,,2025-05-08,Non Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.31}, {""feature"": ""Month on Book"", ""value"": 0.25}, {""feature"": ""Payment Ratio"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}]"
CUST0069,2026-01-31,51,High Risk,41144,2499,0,15.34,6324,,2025-06-08,Non Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.13}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}, {""feature"": ""Credit Utilization"", ""value"": -0.08}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.05}]"
CUST0070,2025-02-28,404,Medium Risk,247098,22506,7990,15.99,242400,2024-07-29,2024-07-08,Irregular Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": -0.31}, {""feature"": ""Month on Book"", ""value"": -0.25}, {""feature"": ""Time since last delinquency"", ""value"": -0.2}, {""feature"": ""Payment Ratio"", ""value"": -0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.13}]"
CUST0070,2025-03-31,176,High Risk,247098,22506,5585,15.71,239989,2024-08-16,2024-08-08,Late Payer,150+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.07}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}, {""feature"": ""Month on Book"", ""value"": -0.04}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Payment Ratio"", ""value"": -0.03}]"
CUST0070,2025-04-30,456,Medium Risk,247098,22506,5026,16.77,238316,2024-09-27,2024-09-08,Irregular Payer,120+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}, {""feature"": ""Payment Ratio"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}]"
CUST0070,2025-05-31,662,Low Risk,247098,22506,8848,15.59,232564,2024-11-05,2024-10-08,Irregular Payer,120+ DPD,Delinquent,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.3}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.24}, {""feature"": ""Payment Ratio"", ""value"": -0.19}, {""feature"": ""Month on Book"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}]"
CUST0070,2025-06-30,62,High Risk,247098,22506,7868,15.18,227638,2024-11-12,2024-11-08,Late Payer,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.4}, {""feature"": ""Payment Ratio"", ""value"": 0.32}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}]"
CUST0070,2025-07-31,204,High Risk,247098,22506,0,16.29,230729,,2024-12-08,Non Payer,240+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.11}, {""feature"": ""Month on Book"", ""value"": 0.09}, {""feature"": ""Payment Ratio"", ""value"": 0.07}]"
CUST0070,2025-08-31,255,High Risk,247098,22506,0,16.26,233855,,2025-01-08,Non Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.13}, {""feature"": ""Credit Utilization"", ""value"": 0.1}, {""feature"": ""Time since last delinquency"", ""value"": 0.08}, {""feature"": ""Payment Ratio"", ""value"": 0.07}, {""feature"": ""Month on Book"", ""value"": 0.05}]"
CUST0070,2025-09-28,813,Low Risk,247098,22506,6883,15.04,229903,2025-03-05,2025-02-08,Irregular Payer,30+ DPD,Delinquent,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.49}, {""feature"": ""Month on Book"", ""value"": 0.39}, {""feature"": ""Payment Ratio"", ""value"": 0.31}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.25}, {""feature"": ""Credit Utilization"", ""value"": 0.2}]"
CUST0070,2025-10-31,491,Medium Risk,247098,22506,0,16.09,232986,,2025-03-08,Non Payer,210+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}, {""feature"": ""Month on Book"", ""value"": -0.06}, {""feature"": ""Payment Ratio"", ""value"": -0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.04}]"
CUST0070,2025-11-30,352,Medium Risk,247098,22506,0,16.83,236253,,2025-04-08,Non Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}]"
CUST0070,2025-12-31,329,High Risk,247098,22506,6224,15.78,233136,2025-05-08,2025-05-08,On Time,0-30,Current,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}]"
CUST0070,2026-01-31,611,Medium Risk,247098,22506,8728,15.44,227408,2025-06-09,2025-06-08,On Time,30+ DPD,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.32}, {""feature"": ""Credit Utilization"", ""value"": -0.26}, {""feature"": ""Month on Book"", ""value"": -0.2}, {""feature"": ""Time since last delinquency"", ""value"": -0.16}, {""feature"": ""Payment Ratio"", ""value"": -0.13}]"
CUST0071,2025-02-28,598,Medium Risk,297574,20196,5060,17.0,296729,2024-07-11,2024-07-08,On Time,0-30,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}]"
CUST0071,2025-03-31,672,Low Risk,297574,20196,0,15.48,300557,,2024-08-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.57}, {""feature"": ""Time since last delinquency"", ""value"": 0.46}, {""feature"": ""Credit Utilization"", ""value"": 0.36}, {""feature"": ""Payment Ratio"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}]"
CUST0071,2025-04-30,835,Low Risk,297574,20196,4594,16.58,300116,2024-10-02,2024-09-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.19}, {""feature"": ""Credit Utilization"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}, {""feature"": ""Time since last delinquency"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}]"
CUST0071,2025-05-31,589,Medium Risk,297574,20196,3846,16.69,300444,2024-10-19,2024-10-08,Irregular Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.38}, {""feature"": ""Payment Ratio"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.16}]"
CUST0071,2025-06-30,180,High Risk,297574,20196,6878,15.47,297439,2024-12-03,2024-11-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.3}, {""feature"": ""Payment Ratio"", ""value"": 0.24}, {""feature"": ""Credit Utilization"", ""value"": 0.19}, {""feature"": ""Time since last delinquency"", ""value"": 0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.12}]"
CUST0071,2025-07-31,935,Low Risk,297574,20196,3328,16.18,298121,2024-12-26,2024-12-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.39}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.31}, {""feature"": ""Payment Ratio"", ""value"": 0.25}, {""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}]"
CUST0071,2025-08-31,576,Medium Risk,297574,20196,0,16.9,302320,,2025-01-08,Non Payer,0-30,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.29}, {""feature"": ""Month on Book"", ""value"": -0.23}, {""feature"": ""Payment Ratio"", ""value"": -0.19}, {""feature"": ""Time since last delinquency"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}]"
CUST0071,2025-09-28,555,Medium Risk,297574,20196,0,15.62,306255,,2025-02-08,Non Payer,0-30,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": -0.31}, {""feature"": ""Payment Ratio"", ""value"": -0.25}, {""feature"": ""Month on Book"", ""value"": -0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.16}, {""feature"": ""Credit Utilization"", ""value"": -0.13}]"
CUST0071,2025-10-31,38,High Risk,297574,20196,4584,15.18,305545,2025-03-27,2025-03-08,Irregular Payer,150+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.31}, {""feature"": ""Credit Utilization"", ""value"": -0.25}, {""feature"": ""Month on Book"", ""value"": -0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}]"
CUST0071,2025-11-30,20,High Risk,297574,20196,4300,16.05,305332,2025-04-18,2025-04-08,Late Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.01}, {""feature"": ""Time since last delinquency"", ""value"": -0.01}, {""feature"": ""Payment Ratio"", ""value"": -0.01}, {""feature"": ""Credit Utilization"", ""value"": -0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.0}]"
CUST0071,2025-12-31,825,Low Risk,297574,20196,6301,15.26,302914,2025-06-06,2025-05-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.14}, {""feature"": ""Time since last delinquency"", ""value"": 0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}, {""feature"": ""Payment Ratio"", ""value"": 0.07}, {""feature"": ""Month on Book"", ""value"": 0.06}]"
CUST0071,2026-01-31,60,High Risk,297574,20196,0,15.04,306710,,2025-06-08,Non Payer,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}, {""feature"": ""Credit Utilization"", ""value"": 0.12}, {""feature"": ""Month on Book"", ""value"": 0.1}, {""feature"": ""Time since last delinquency"", ""value"": 0.08}]"
CUST0072,2025-02-28,792,Low Risk,389463,37334,0,15.22,394402,,2024-07-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.01}]"
CUST0072,2025-03-31,881,Low Risk,389463,37334,7481,15.73,392091,2024-08-19,2024-08-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.48}, {""feature"": ""Payment Ratio"", ""value"": 0.38}, {""feature"": ""Month on Book"", ""value"": 0.31}, {""feature"": ""Credit Utilization"", ""value"": 0.25}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}]"
CUST0072,2025-04-30,600,Medium Risk,389463,37334,3235,15.2,393823,2024-09-18,2024-09-08,Late Payer,0-30,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.4}, {""feature"": ""Payment Ratio"", ""value"": 0.32}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Month on Book"", ""value"": 0.16}]"
CUST0072,2025-05-31,999,Low Risk,389463,37334,8982,15.32,389868,2024-11-02,2024-10-08,Irregular Payer,60+ DPD,Delinquent,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.01}, {""feature"": ""Month on Book"", ""value"": -0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.01}, {""feature"": ""Credit Utilization"", ""value"": -0.01}, {""feature"": ""Payment Ratio"", ""value"": -0.0}]"
CUST0072,2025-06-30,664,Low Risk,389463,37334,0,15.63,394946,,2024-11-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.26}, {""feature"": ""Credit Utilization"", ""value"": -0.21}, {""feature"": ""Time since last delinquency"", ""value"": -0.17}, {""feature"": ""Month on Book"", ""value"": -0.13}, {""feature"": ""Payment Ratio"", ""value"": -0.11}]"
CUST0072,2025-07-31,710,Low Risk,389463,37334,0,16.78,400469,,2024-12-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.05}]"
CUST0072,2025-08-31,805,Low Risk,389463,37334,0,15.71,405712,,2025-01-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.21}, {""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}, {""feature"": ""Payment Ratio"", ""value"": 0.09}]"
CUST0072,2025-09-28,834,Low Risk,389463,37334,5825,15.35,405077,2025-03-03,2025-02-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.2}, {""feature"": ""Credit Utilization"", ""value"": 0.16}, {""feature"": ""Month on Book"", ""value"": 0.13}, {""feature"": ""Time since last delinquency"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}]"
CUST0072,2025-10-31,130,High Risk,389463,37334,7415,15.36,402847,2025-03-30,2025-03-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.12}, {""feature"": ""Payment Ratio"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Credit Utilization"", ""value"": 0.06}]"
CUST0072,2025-11-30,871,Low Risk,389463,37334,0,16.99,408550,,2025-04-08,Non Payer,120+ DPD,Delinquent,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.31}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.25}, {""feature"": ""Payment Ratio"", ""value"": -0.2}, {""feature"": ""Time since last delinquency"", ""value"": -0.16}, {""feature"": ""Month on Book"", ""value"": -0.13}]"
CUST0072,2025-12-31,33,High Risk,389463,37334,4619,15.36,409161,2025-06-06,2025-05-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.33}, {""feature"": ""Time since last delinquency"", ""value"": -0.26}, {""feature"": ""Credit Utilization"", ""value"": -0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.17}, {""feature"": ""Payment Ratio"", ""value"": -0.14}]"
CUST0072,2026-01-31,654,Low Risk,389463,37334,0,16.13,414661,,2025-06-08,Non Payer,30+ DPD,Delinquent,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.03}, {""feature"": ""Month on Book"", ""value"": -0.02}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}, {""feature"": ""Credit Utilization"", ""value"": -0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.01}]"
CUST0073,2025-02-28,79,High Risk,93737,6238,2453,15.48,92493,2024-07-13,2024-07-08,Late Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.06}, {""feature"": ""Month on Book"", ""value"": 0.05}, {""feature"": ""Payment Ratio"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}]"
CUST0073,2025-03-31,841,Low Risk,93737,6238,1186,16.42,92572,2024-08-22,2024-08-08,Irregular Payer,210+ DPD,Delinquent,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Time since last delinquency"", ""value"": 0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}]"
CUST0073,2025-04-30,271,High Risk,93737,6238,5205,15.42,88557,2024-09-19,2024-09-08,Irregular Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": -0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.18}, {""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Month on Book"", ""value"": -0.11}, {""feature"": ""Payment Ratio"", ""value"": -0.09}]"
CUST0073,2025-05-31,805,Low Risk,93737,6238,7323,15.22,82357,2024-10-09,2024-10-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.52}, {""feature"": ""Credit Utilization"", ""value"": 0.42}, {""feature"": ""Payment Ratio"", ""value"": 0.33}, {""feature"": ""Time since last delinquency"", ""value"": 0.27}, {""feature"": ""Month on Book"", ""value"": 0.21}]"
CUST0073,2025-06-30,448,Medium Risk,93737,6238,7783,16.47,75704,2024-12-06,2024-11-08,Irregular Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": -0.33}, {""feature"": ""Month on Book"", ""value"": -0.26}, {""feature"": ""Time since last delinquency"", ""value"": -0.21}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}]"
CUST0073,2025-07-31,504,Medium Risk,93737,6238,7149,16.76,69613,2024-12-25,2024-12-08,Irregular Payer,210+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": -0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.22}, {""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}]"
CUST0073,2025-08-31,103,High Risk,93737,6238,0,16.66,70579,,2025-01-08,Non Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.35}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.28}, {""feature"": ""Payment Ratio"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.14}]"
CUST0073,2025-09-28,666,Low Risk,93737,6238,8393,16.52,63158,2025-02-13,2025-02-08,Late Payer,150+ DPD,Delinquent,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.01}, {""feature"": ""Month on Book"", ""value"": -0.01}, {""feature"": ""Payment Ratio"", ""value"": -0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.01}, {""feature"": ""Time since last delinquency"", ""value"": -0.0}]"
CUST0073,2025-10-31,75,High Risk,93737,6238,1328,16.6,62704,2025-03-17,2025-03-08,Late Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.26}, {""feature"": ""Time since last delinquency"", ""value"": -0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.17}, {""feature"": ""Month on Book"", ""value"": -0.13}, {""feature"": ""Credit Utilization"", ""value"": -0.11}]"
CUST0073,2025-11-30,326,High Risk,93737,6238,6600,15.52,56915,2025-04-10,2025-04-08,On Time,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.37}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Month on Book"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Payment Ratio"", ""value"": 0.15}]"
CUST0073,2025-12-31,174,High Risk,93737,6238,2228,16.78,55482,2025-05-31,2025-05-08,Irregular Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.08}, {""feature"": ""Month on Book"", ""value"": -0.06}, {""feature"": ""Time since last delinquency"", ""value"": -0.05}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Payment Ratio"", ""value"": -0.03}]"
CUST0073,2026-01-31,560,Medium Risk,93737,6238,8909,16.88,47354,2025-06-18,2025-06-08,Late Payer,0-30,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": 0.44}, {""feature"": ""Time since last delinquency"", ""value"": 0.35}, {""feature"": ""Month on Book"", ""value"": 0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}, {""feature"": ""Credit Utilization"", ""value"": 0.18}]"
CUST0074,2025-02-28,965,Low Risk,389363,20071,0,16.31,394655,,2024-07-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.32}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.26}, {""feature"": ""Payment Ratio"", ""value"": -0.2}, {""feature"": ""Credit Utilization"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}]"
CUST0074,2025-03-31,911,Low Risk,389363,20071,6424,15.87,393450,2024-08-11,2024-08-08,On Time,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.55}, {""feature"": ""Time since last delinquency"", ""value"": 0.44}, {""feature"": ""Payment Ratio"", ""value"": 0.35}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.28}, {""feature"": ""Credit Utilization"", ""value"": 0.23}]"
CUST0074,2025-04-30,210,High Risk,389363,20071,9849,16.95,389158,2024-09-30,2024-09-08,Irregular Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": -0.32}, {""feature"": ""Payment Ratio"", ""value"": -0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.2}, {""feature"": ""Time since last delinquency"", ""value"": -0.16}, {""feature"": ""Month on Book"", ""value"": -0.13}]"
CUST0074,2025-05-31,271,High Risk,389363,20071,2571,16.32,391880,2024-10-15,2024-10-08,Late Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.14}, {""feature"": ""Month on Book"", ""value"": 0.11}]"
CUST0074,2025-06-30,50,High Risk,389363,20071,0,15.79,397036,,2024-11-08,Non Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.48}, {""feature"": ""Credit Utilization"", ""value"": 0.38}, {""feature"": ""Payment Ratio"", ""value"": 0.31}, {""feature"": ""Time since last delinquency"", ""value"": 0.25}, {""feature"": ""Month on Book"", ""value"": 0.2}]"
CUST0074,2025-07-31,860,Low Risk,389363,20071,1062,15.98,401262,2024-12-19,2024-12-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}]"
CUST0074,2025-08-31,437,Medium Risk,389363,20071,0,15.18,406338,,2025-01-08,Non Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": -0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.18}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Month on Book"", ""value"": -0.11}, {""feature"": ""Payment Ratio"", ""value"": -0.09}]"
CUST0074,2025-09-28,491,Medium Risk,389363,20071,3798,15.4,407754,2025-02-14,2025-02-08,Late Payer,180+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Time since last delinquency"", ""value"": 0.21}, {""feature"": ""Credit Utilization"", ""value"": 0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.13}, {""feature"": ""Month on Book"", ""value"": 0.11}]"
CUST0074,2025-10-31,653,Low Risk,389363,20071,2892,15.58,410156,2025-03-23,2025-03-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.46}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.37}, {""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Time since last delinquency"", ""value"": 0.24}, {""feature"": ""Credit Utilization"", ""value"": 0.19}]"
CUST0074,2025-11-30,315,High Risk,389363,20071,0,16.57,415820,,2025-04-08,Non Payer,120+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": -0.01}, {""feature"": ""Month on Book"", ""value"": -0.01}, {""feature"": ""Credit Utilization"", ""value"": -0.01}, {""feature"": ""Time since last delinquency"", ""value"": -0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.0}]"
CUST0074,2025-12-31,500,Medium Risk,389363,20071,9914,16.79,411724,2025-05-10,2025-05-08,On Time,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.03}, {""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.02}]"
CUST0074,2026-01-31,396,Medium Risk,389363,20071,4056,15.37,412941,2025-06-19,2025-06-08,Irregular Payer,120+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.47}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.38}, {""feature"": ""Month on Book"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}]"
CUST0075,2025-02-28,450,Medium Risk,253714,13251,5400,15.93,251682,2024-08-03,2024-07-08,Irregular Payer,180+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.41}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.33}, {""feature"": ""Month on Book"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.21}, {""feature"": ""Time since last delinquency"", ""value"": 0.17}]"
CUST0075,2025-03-31,577,Medium Risk,253714,13251,6632,15.12,248221,2024-08-10,2024-08-08,On Time,240+ DPD,Delinquent,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.44}, {""feature"": ""Payment Ratio"", ""value"": 0.35}, {""feature"": ""Month on Book"", ""value"": 0.28}, {""feature"": ""Time since last delinquency"", ""value"": 0.23}, {""feature"": ""Credit Utilization"", ""value"": 0.18}]"
CUST0075,2025-04-30,827,Low Risk,253714,13251,0,16.08,251547,,2024-09-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.29}, {""feature"": ""Time since last delinquency"", ""value"": -0.23}, {""feature"": ""Month on Book"", ""value"": -0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}]"
CUST0075,2025-05-31,232,High Risk,253714,13251,9561,16.11,245363,2024-11-03,2024-10-08,Irregular Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.26}, {""feature"": ""Credit Utilization"", ""value"": -0.21}, {""feature"": ""Time since last delinquency"", ""value"": -0.17}, {""feature"": ""Month on Book"", ""value"": -0.13}, {""feature"": ""Payment Ratio"", ""value"": -0.11}]"
CUST0075,2025-06-30,428,Medium Risk,253714,13251,0,16.93,248825,,2024-11-08,Non Payer,240+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.27}, {""feature"": ""Payment Ratio"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Month on Book"", ""value"": -0.14}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}]"
CUST0075,2025-07-31,586,Medium Risk,253714,13251,0,16.76,252300,,2024-12-08,Non Payer,210+ DPD,Delinquent,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}, {""feature"": ""Month on Book"", ""value"": -0.05}]"
CUST0075,2025-08-31,306,High Risk,253714,13251,9467,15.16,246020,2025-01-24,2025-01-08,Irregular Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.5}, {""feature"": ""Month on Book"", ""value"": 0.4}, {""feature"": ""Credit Utilization"", ""value"": 0.32}, {""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.2}]"
CUST0075,2025-09-28,819,Low Risk,253714,13251,0,16.14,249329,,2025-02-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Credit Utilization"", ""value"": 0.11}]"
CUST0075,2025-10-31,150,High Risk,253714,13251,0,15.24,252496,,2025-03-08,Non Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.21}, {""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Time since last delinquency"", ""value"": 0.13}, {""feature"": ""Credit Utilization"", ""value"": 0.11}, {""feature"": ""Payment Ratio"", ""value"": 0.09}]"
CUST0075,2025-11-30,177,High Risk,253714,13251,4157,16.9,251895,2025-04-14,2025-04-08,Late Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.56}, {""feature"": ""Credit Utilization"", ""value"": 0.45}, {""feature"": ""Payment Ratio"", ""value"": 0.36}, {""feature"": ""Time since last delinquency"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}]"
CUST0075,2025-12-31,129,High Risk,253714,13251,8133,15.09,246929,2025-05-29,2025-05-08,Irregular Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.44}, {""feature"": ""Payment Ratio"", ""value"": 0.35}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.28}, {""feature"": ""Credit Utilization"", ""value"": 0.23}, {""feature"": ""Month on Book"", ""value"": 0.18}]"
CUST0075,2026-01-31,206,High Risk,253714,13251,5225,16.99,245200,2025-07-04,2025-06-08,Irregular Payer,60+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.36}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.23}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Time since last delinquency"", ""value"": 0.15}]"
CUST0076,2025-02-28,936,Low Risk,187640,17927,7510,16.61,182727,2024-07-20,2024-07-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}]"
CUST0076,2025-03-31,565,Medium Risk,187640,17927,8506,15.65,176604,2024-08-24,2024-08-08,Irregular Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.06}, {""feature"": ""Month on Book"", ""value"": 0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.02}]"
CUST0076,2025-04-30,939,Low Risk,187640,17927,0,16.75,179069,,2024-09-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Month on Book"", ""value"": 0.11}, {""feature"": ""Time since last delinquency"", ""value"": 0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.07}, {""feature"": ""Credit Utilization"", ""value"": 0.06}]"
CUST0076,2025-05-31,601,Medium Risk,187640,17927,7790,16.05,173674,2024-10-11,2024-10-08,On Time,0-30,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": -0.13}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}, {""feature"": ""Credit Utilization"", ""value"": -0.05}]"
CUST0076,2025-06-30,153,High Risk,187640,17927,0,15.3,175888,,2024-11-08,Non Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}, {""feature"": ""Payment Ratio"", ""value"": -0.06}, {""feature"": ""Time since last delinquency"", ""value"": -0.05}, {""feature"": ""Credit Utilization"", ""value"": -0.04}]"
CUST0076,2025-07-31,596,Medium Risk,187640,17927,2730,16.52,175580,2025-01-06,2024-12-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": -0.34}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.27}, {""feature"": ""Payment Ratio"", ""value"": -0.22}, {""feature"": ""Month on Book"", ""value"": -0.17}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}]"
CUST0076,2025-08-31,576,Medium Risk,187640,17927,9775,16.56,168228,2025-02-04,2025-01-08,Irregular Payer,180+ DPD,Delinquent,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": 0.45}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.36}, {""feature"": ""Time since last delinquency"", ""value"": 0.29}, {""feature"": ""Credit Utilization"", ""value"": 0.23}, {""feature"": ""Month on Book"", ""value"": 0.18}]"
CUST0076,2025-09-28,901,Low Risk,187640,17927,7275,15.69,163152,2025-02-16,2025-02-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Payment Ratio"", ""value"": 0.07}]"
CUST0076,2025-10-31,670,Low Risk,187640,17927,0,15.97,165324,,2025-03-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.51}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.41}, {""feature"": ""Month on Book"", ""value"": 0.33}, {""feature"": ""Time since last delinquency"", ""value"": 0.26}, {""feature"": ""Payment Ratio"", ""value"": 0.21}]"
CUST0076,2025-11-30,484,Medium Risk,187640,17927,3356,15.07,164044,2025-04-20,2025-04-08,Irregular Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.12}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Credit Utilization"", ""value"": -0.08}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}, {""feature"": ""Payment Ratio"", ""value"": -0.05}]"
CUST0076,2025-12-31,633,Medium Risk,187640,17927,7484,16.22,158777,2025-05-09,2025-05-08,On Time,30+ DPD,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.01}, {""feature"": ""Payment Ratio"", ""value"": 0.01}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}]"
CUST0076,2026-01-31,910,Low Risk,187640,17927,8785,16.76,152210,2025-06-09,2025-06-08,On Time,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Payment Ratio"", ""value"": 0.05}, {""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}]"
CUST0077,2025-02-28,20,High Risk,160815,15253,5593,15.68,157323,2024-07-17,2024-07-08,Late Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.31}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.25}, {""feature"": ""Payment Ratio"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}]"
CUST0077,2025-03-31,863,Low Risk,160815,15253,4734,15.98,154684,2024-09-04,2024-08-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}]"
CUST0077,2025-04-30,137,High Risk,160815,15253,0,15.6,156695,,2024-09-08,Non Payer,150+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.43}, {""feature"": ""Time since last delinquency"", ""value"": 0.34}, {""feature"": ""Credit Utilization"", ""value"": 0.28}, {""feature"": ""Payment Ratio"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.18}]"
CUST0077,2025-05-31,792,Low Risk,160815,15253,7828,16.65,151041,2024-10-31,2024-10-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.04}, {""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Credit Utilization"", ""value"": -0.03}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}]"
CUST0077,2025-06-30,619,Medium Risk,160815,15253,4463,16.29,148628,2024-11-22,2024-11-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.0}, {""feature"": ""Payment Ratio"", ""value"": -0.0}, {""feature"": ""Time since last delinquency"", ""value"": -0.0}, {""feature"": ""Credit Utilization"", ""value"": -0.0}, {""feature"": ""Month on Book"", ""value"": -0.0}]"
CUST0077,2025-07-31,935,Low Risk,160815,15253,0,16.65,150690,,2024-12-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.59}, {""feature"": ""Time since last delinquency"", ""value"": 0.47}, {""feature"": ""Month on Book"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}]"
CUST0077,2025-08-31,777,Low Risk,160815,15253,1920,16.03,150783,2025-02-03,2025-01-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}, {""feature"": ""Credit Utilization"", ""value"": 0.09}, {""feature"": ""Payment Ratio"", ""value"": 0.07}]"
CUST0077,2025-09-28,527,Medium Risk,160815,15253,9303,16.58,143564,2025-02-17,2025-02-08,Late Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": -0.07}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.04}, {""feature"": ""Month on Book"", ""value"": -0.04}, {""feature"": ""Payment Ratio"", ""value"": -0.03}]"
CUST0077,2025-10-31,413,Medium Risk,160815,15253,0,15.27,145391,,2025-03-08,Non Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": -0.29}, {""feature"": ""Time since last delinquency"", ""value"": -0.23}, {""feature"": ""Month on Book"", ""value"": -0.19}, {""feature"": ""Credit Utilization"", ""value"": -0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.12}]"
CUST0077,2025-11-30,900,Low Risk,160815,15253,4288,16.14,143058,2025-04-14,2025-04-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}, {""feature"": ""Credit Utilization"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}]"
CUST0077,2025-12-31,857,Low Risk,160815,15253,1828,15.12,143033,2025-05-22,2025-05-08,Irregular Payer,150+ DPD,Delinquent,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}]"
CUST0077,2026-01-31,940,Low Risk,160815,15253,7035,15.72,137871,2025-06-16,2025-06-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.42}, {""feature"": ""Month on Book"", ""value"": 0.34}, {""feature"": ""Payment Ratio"", ""value"": 0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.17}]"
CUST0078,2025-02-28,406,Medium Risk,451754,33073,1500,16.27,456379,2024-07-29,2024-07-08,Irregular Payer,90+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": -0.23}, {""feature"": ""Payment Ratio"", ""value"": -0.18}, {""feature"": ""Credit Utilization"", ""value"": -0.15}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}]"
CUST0078,2025-03-31,247,High Risk,451754,33073,0,15.74,462365,,2024-08-08,Non Payer,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.01}, {""feature"": ""Time since last delinquency"", ""value"": -0.01}, {""feature"": ""Credit Utilization"", ""value"": -0.01}, {""feature"": ""Payment Ratio"", ""value"": -0.01}, {""feature"": ""Month on Book"", ""value"": -0.0}]"
CUST0078,2025-04-30,456,Medium Risk,451754,33073,0,15.36,468283,,2024-09-08,Non Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": 0.3}, {""feature"": ""Time since last delinquency"", ""value"": 0.24}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.15}, {""feature"": ""Credit Utilization"", ""value"": 0.12}]"
CUST0078,2025-05-31,600,Medium Risk,451754,33073,5237,16.1,469329,2024-10-13,2024-10-08,Late Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.55}, {""feature"": ""Month on Book"", ""value"": 0.44}, {""feature"": ""Time since last delinquency"", ""value"": 0.35}, {""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Credit Utilization"", ""value"": 0.23}]"
CUST0078,2025-06-30,766,Low Risk,451754,33073,1449,16.66,474396,2024-11-17,2024-11-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.11}, {""feature"": ""Credit Utilization"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}]"
CUST0078,2025-07-31,395,Medium Risk,451754,33073,0,15.1,480365,,2024-12-08,Non Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.12}, {""feature"": ""Month on Book"", ""value"": 0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.08}, {""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Time since last delinquency"", ""value"": 0.05}]"
CUST0078,2025-08-31,798,Low Risk,451754,33073,4688,16.93,482454,2025-01-28,2025-01-08,Irregular Payer,120+ DPD,Delinquent,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}, {""feature"": ""Month on Book"", ""value"": -0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.05}, {""feature"": ""Credit Utilization"", ""value"": -0.04}]"
CUST0078,2025-09-28,693,Low Risk,451754,33073,1328,15.41,487322,2025-02-24,2025-02-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.59}, {""feature"": ""Time since last delinquency"", ""value"": 0.47}, {""feature"": ""Payment Ratio"", ""value"": 0.38}, {""feature"": ""Credit Utilization"", ""value"": 0.3}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}]"
CUST0078,2025-10-31,885,Low Risk,451754,33073,3167,16.56,490880,2025-03-23,2025-03-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.34}, {""feature"": ""Time since last delinquency"", ""value"": -0.27}, {""feature"": ""Month on Book"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}]"
CUST0078,2025-11-30,662,Low Risk,451754,33073,5135,15.35,492024,2025-04-15,2025-04-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.59}, {""feature"": ""Credit Utilization"", ""value"": 0.47}, {""feature"": ""Month on Book"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Payment Ratio"", ""value"": 0.24}]"
CUST0078,2025-12-31,622,Medium Risk,451754,33073,5511,16.61,493323,2025-05-30,2025-05-08,Irregular Payer,90+ DPD,Delinquent,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.41}, {""feature"": ""Time since last delinquency"", ""value"": 0.33}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Payment Ratio"", ""value"": 0.21}, {""feature"": ""Credit Utilization"", ""value"": 0.17}]"
CUST0078,2026-01-31,433,Medium Risk,451754,33073,5128,16.79,495098,2025-06-22,2025-06-08,Irregular Payer,210+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.13}, {""feature"": ""Time since last delinquency"", ""value"": 0.1}, {""feature"": ""Credit Utilization"", ""value"": 0.08}, {""feature"": ""Month on Book"", ""value"": 0.07}, {""feature"": ""Payment Ratio"", ""value"": 0.05}]"
CUST0079,2025-02-28,693,Low Risk,134404,9856,0,16.04,136200,,2024-07-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.43}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.34}, {""feature"": ""Credit Utilization"", ""value"": 0.28}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.18}]"
CUST0079,2025-03-31,406,Medium Risk,134404,9856,7131,16.17,130904,2024-08-24,2024-08-08,Irregular Payer,90+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": -0.09}, {""feature"": ""Credit Utilization"", ""value"": -0.07}, {""feature"": ""Payment Ratio"", ""value"": -0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.05}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}]"
CUST0079,2025-04-30,574,Medium Risk,134404,9856,0,16.29,132681,,2024-09-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": 0.49}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.39}, {""feature"": ""Time since last delinquency"", ""value"": 0.31}, {""feature"": ""Credit Utilization"", ""value"": 0.25}, {""feature"": ""Month on Book"", ""value"": 0.2}]"
CUST0079,2025-05-31,289,High Risk,134404,9856,2045,15.6,132361,2024-10-23,2024-10-08,Irregular Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": -0.32}, {""feature"": ""Payment Ratio"", ""value"": -0.26}, {""feature"": ""Time since last delinquency"", ""value"": -0.2}, {""feature"": ""Month on Book"", ""value"": -0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.13}]"
CUST0079,2025-06-30,344,High Risk,134404,9856,5536,16.98,128698,2024-12-05,2024-11-08,Irregular Payer,180+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}, {""feature"": ""Month on Book"", ""value"": -0.11}, {""feature"": ""Credit Utilization"", ""value"": -0.09}, {""feature"": ""Time since last delinquency"", ""value"": -0.07}]"
CUST0079,2025-07-31,267,High Risk,134404,9856,3456,16.31,126991,2024-12-14,2024-12-08,Late Payer,210+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": 0.3}, {""feature"": ""Payment Ratio"", ""value"": 0.24}, {""feature"": ""Credit Utilization"", ""value"": 0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.15}, {""feature"": ""Time since last delinquency"", ""value"": 0.12}]"
CUST0079,2025-08-31,529,Medium Risk,134404,9856,7620,16.53,121121,2025-02-02,2025-01-08,Irregular Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": -0.09}, {""feature"": ""Credit Utilization"", ""value"": -0.07}, {""feature"": ""Payment Ratio"", ""value"": -0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.05}, {""feature"": ""Month on Book"", ""value"": -0.04}]"
CUST0079,2025-09-28,676,Low Risk,134404,9856,1417,15.64,121282,2025-03-03,2025-02-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.16}, {""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}]"
CUST0079,2025-10-31,671,Low Risk,134404,9856,7857,15.99,115041,2025-03-16,2025-03-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.06}, {""feature"": ""Month on Book"", ""value"": 0.05}, {""feature"": ""Credit Utilization"", ""value"": 0.04}, {""feature"": ""Payment Ratio"", ""value"": 0.03}]"
CUST0079,2025-11-30,414,Medium Risk,134404,9856,4111,15.78,112443,2025-04-26,2025-04-08,Irregular Payer,210+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.23}, {""feature"": ""Credit Utilization"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.15}, {""feature"": ""Time since last delinquency"", ""value"": 0.12}, {""feature"": ""Month on Book"", ""value"": 0.09}]"
CUST0079,2025-12-31,351,Medium Risk,134404,9856,9759,16.45,104226,2025-05-29,2025-05-08,Irregular Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.44}, {""feature"": ""Credit Utilization"", ""value"": 0.35}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.28}, {""feature"": ""Time since last delinquency"", ""value"": 0.23}, {""feature"": ""Month on Book"", ""value"": 0.18}]"
CUST0079,2026-01-31,653,Low Risk,134404,9856,5918,16.57,99747,2025-06-24,2025-06-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.46}, {""feature"": ""Credit Utilization"", ""value"": 0.37}, {""feature"": ""Payment Ratio"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}, {""feature"": ""Month on Book"", ""value"": 0.19}]"
CUST0080,2025-02-28,673,Low Risk,463243,27099,2599,16.75,467110,2024-07-17,2024-07-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.54}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.43}, {""feature"": ""Credit Utilization"", ""value"": 0.35}, {""feature"": ""Month on Book"", ""value"": 0.28}, {""feature"": ""Payment Ratio"", ""value"": 0.22}]"
CUST0080,2025-03-31,482,Medium Risk,463243,27099,3999,15.26,469051,2024-08-31,2024-08-08,Irregular Payer,30+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": 0.36}, {""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.15}]"
CUST0080,2025-04-30,969,Low Risk,463243,27099,2463,16.36,472982,2024-09-28,2024-09-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.13}, {""feature"": ""Time since last delinquency"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Payment Ratio"", ""value"": 0.07}]"
CUST0080,2025-05-31,227,High Risk,463243,27099,6428,15.71,472747,2024-10-21,2024-10-08,Irregular Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.21}, {""feature"": ""Payment Ratio"", ""value"": 0.17}, {""feature"": ""Time since last delinquency"", ""value"": 0.13}, {""feature"": ""Month on Book"", ""value"": 0.11}, {""feature"": ""Credit Utilization"", ""value"": 0.09}]"
CUST0080,2025-06-30,380,Medium Risk,463243,27099,2929,15.52,475932,2024-11-22,2024-11-08,Irregular Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.33}, {""feature"": ""Month on Book"", ""value"": 0.26}, {""feature"": ""Time since last delinquency"", ""value"": 0.21}, {""feature"": ""Payment Ratio"", ""value"": 0.17}, {""feature"": ""Credit Utilization"", ""value"": 0.14}]"
CUST0080,2025-07-31,481,Medium Risk,463243,27099,0,15.11,481925,,2024-12-08,Non Payer,60+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}, {""feature"": ""Time since last delinquency"", ""value"": -0.07}]"
CUST0080,2025-08-31,594,Medium Risk,463243,27099,4187,16.89,484521,2025-01-23,2025-01-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}, {""feature"": ""Payment Ratio"", ""value"": -0.04}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}, {""feature"": ""Credit Utilization"", ""value"": -0.03}]"
CUST0080,2025-09-28,512,Medium Risk,463243,27099,5888,15.24,484786,2025-02-24,2025-02-08,Irregular Payer,210+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": -0.26}, {""feature"": ""Time since last delinquency"", ""value"": -0.21}, {""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Month on Book"", ""value"": -0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.11}]"
CUST0080,2025-10-31,423,Medium Risk,463243,27099,4281,15.11,486609,2025-03-12,2025-03-08,Late Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}, {""feature"": ""Time since last delinquency"", ""value"": -0.05}, {""feature"": ""Payment Ratio"", ""value"": -0.04}]"
CUST0080,2025-11-30,350,High Risk,463243,27099,0,15.82,493024,,2025-04-08,Non Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.35}, {""feature"": ""Credit Utilization"", ""value"": 0.28}, {""feature"": ""Payment Ratio"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.14}]"
CUST0080,2025-12-31,914,Low Risk,463243,27099,0,16.81,499931,,2025-05-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.01}]"
CUST0080,2026-01-31,146,High Risk,463243,27099,2324,15.63,504119,2025-07-02,2025-06-08,Irregular Payer,150+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.06}, {""feature"": ""Credit Utilization"", ""value"": 0.05}, {""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}]"
CUST0081,2025-02-28,181,High Risk,275632,18365,8406,15.63,270816,2024-07-08,2024-07-08,On Time,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}, {""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Payment Ratio"", ""value"": 0.06}, {""feature"": ""Month on Book"", ""value"": 0.05}]"
CUST0081,2025-03-31,280,High Risk,275632,18365,3595,15.42,270701,2024-08-26,2024-08-08,Irregular Payer,120+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.49}, {""feature"": ""Payment Ratio"", ""value"": 0.39}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.31}, {""feature"": ""Time since last delinquency"", ""value"": 0.25}, {""feature"": ""Month on Book"", ""value"": 0.2}]"
CUST0081,2025-04-30,501,Medium Risk,275632,18365,8105,16.57,266334,2024-09-12,2024-09-08,Late Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.1}, {""feature"": ""Time since last delinquency"", ""value"": 0.08}, {""feature"": ""Payment Ratio"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}, {""feature"": ""Month on Book"", ""value"": 0.04}]"
CUST0081,2025-05-31,648,Medium Risk,275632,18365,7280,15.86,262574,2024-10-23,2024-10-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}]"
CUST0081,2025-06-30,4,High Risk,275632,18365,7112,15.08,258761,2024-12-01,2024-11-08,Irregular Payer,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.23}, {""feature"": ""Month on Book"", ""value"": 0.19}, {""feature"": ""Credit Utilization"", ""value"": 0.15}, {""feature"": ""Time since last delinquency"", ""value"": 0.12}]"
CUST0081,2025-07-31,972,Low Risk,275632,18365,9700,15.03,252302,2025-01-01,2024-12-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.08}, {""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Time since last delinquency"", ""value"": 0.05}, {""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Payment Ratio"", ""value"": 0.03}]"
CUST0081,2025-08-31,195,High Risk,275632,18365,5076,15.04,250388,2025-01-28,2025-01-08,Irregular Payer,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.23}, {""feature"": ""Payment Ratio"", ""value"": -0.18}, {""feature"": ""Credit Utilization"", ""value"": -0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.12}, {""feature"": ""Time since last delinquency"", ""value"": -0.09}]"
CUST0081,2025-09-28,231,High Risk,275632,18365,3112,16.39,250696,2025-02-17,2025-02-08,Late Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": -0.21}, {""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Month on Book"", ""value"": -0.13}, {""feature"": ""Credit Utilization"", ""value"": -0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}]"
CUST0081,2025-10-31,105,High Risk,275632,18365,0,15.77,253991,,2025-03-08,Non Payer,150+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.31}, {""feature"": ""Payment Ratio"", ""value"": 0.25}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.16}, {""feature"": ""Month on Book"", ""value"": 0.13}]"
CUST0081,2025-11-30,313,High Risk,275632,18365,5764,15.33,251472,2025-04-17,2025-04-08,Late Payer,60+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": -0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.12}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}, {""feature"": ""Payment Ratio"", ""value"": -0.06}]"
CUST0081,2025-12-31,466,Medium Risk,275632,18365,0,16.46,254921,,2025-05-08,Non Payer,120+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}, {""feature"": ""Month on Book"", ""value"": -0.05}, {""feature"": ""Payment Ratio"", ""value"": -0.04}]"
CUST0081,2026-01-31,536,Medium Risk,275632,18365,9031,15.68,249221,2025-06-18,2025-06-08,Late Payer,120+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": 0.18}, {""feature"": ""Credit Utilization"", ""value"": 0.14}, {""feature"": ""Time since last delinquency"", ""value"": 0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}, {""feature"": ""Payment Ratio"", ""value"": 0.07}]"
CUST0082,2025-02-28,168,High Risk,208350,18231,4742,16.9,206542,2024-07-08,2024-07-08,On Time,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.09}, {""feature"": ""Month on Book"", ""value"": 0.07}, {""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Payment Ratio"", ""value"": 0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}]"
CUST0082,2025-03-31,229,High Risk,208350,18231,1359,16.45,208014,2024-08-14,2024-08-08,Late Payer,120+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": -0.35}, {""feature"": ""Payment Ratio"", ""value"": -0.28}, {""feature"": ""Month on Book"", ""value"": -0.22}, {""feature"": ""Time since last delinquency"", ""value"": -0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}]"
CUST0082,2025-04-30,603,Medium Risk,208350,18231,1612,16.01,209177,2024-09-19,2024-09-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.41}, {""feature"": ""Payment Ratio"", ""value"": 0.33}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.21}, {""feature"": ""Time since last delinquency"", ""value"": 0.17}]"
CUST0082,2025-05-31,384,Medium Risk,208350,18231,9761,16.75,202336,2024-11-01,2024-10-08,Irregular Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": 0.32}, {""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.13}]"
CUST0082,2025-06-30,638,Medium Risk,208350,18231,2771,15.1,202111,2024-11-29,2024-11-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}]"
CUST0082,2025-07-31,669,Low Risk,208350,18231,2897,16.67,202022,2024-12-30,2024-12-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.38}, {""feature"": ""Time since last delinquency"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Payment Ratio"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.16}]"
CUST0082,2025-08-31,426,Medium Risk,208350,18231,5140,15.89,199557,2025-01-25,2025-01-08,Irregular Payer,210+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": 0.5}, {""feature"": ""Credit Utilization"", ""value"": 0.4}, {""feature"": ""Month on Book"", ""value"": 0.32}, {""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.2}]"
CUST0082,2025-09-28,485,Medium Risk,208350,18231,1152,16.4,201132,2025-03-02,2025-02-08,Irregular Payer,210+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}, {""feature"": ""Time since last delinquency"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Credit Utilization"", ""value"": 0.08}]"
CUST0082,2025-10-31,308,High Risk,208350,18231,9524,15.84,194263,2025-03-29,2025-03-08,Irregular Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": -0.35}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.28}, {""feature"": ""Payment Ratio"", ""value"": -0.22}, {""feature"": ""Month on Book"", ""value"": -0.18}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}]"
CUST0082,2025-11-30,276,High Risk,208350,18231,2718,16.25,194176,2025-04-21,2025-04-08,Irregular Payer,240+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.43}, {""feature"": ""Credit Utilization"", ""value"": 0.34}, {""feature"": ""Month on Book"", ""value"": 0.28}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.18}]"
CUST0082,2025-12-31,523,Medium Risk,208350,18231,2867,16.44,193969,2025-05-17,2025-05-08,Late Payer,60+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.24}, {""feature"": ""Month on Book"", ""value"": -0.19}, {""feature"": ""Time since last delinquency"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.1}]"
CUST0082,2026-01-31,803,Low Risk,208350,18231,4272,15.21,192156,2025-06-27,2025-06-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}, {""feature"": ""Payment Ratio"", ""value"": 0.11}, {""feature"": ""Credit Utilization"", ""value"": 0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.07}]"
CUST0083,2025-02-28,535,Medium Risk,427874,27020,7713,16.95,426204,2024-07-30,2024-07-08,Irregular Payer,30+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.51}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.41}, {""feature"": ""Month on Book"", ""value"": 0.33}, {""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Time since last delinquency"", ""value"": 0.21}]"
CUST0083,2025-03-31,302,High Risk,427874,27020,0,15.32,431645,,2024-08-08,Non Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}, {""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Payment Ratio"", ""value"": 0.03}]"
CUST0083,2025-04-30,508,Medium Risk,427874,27020,0,16.82,437696,,2024-09-08,Non Payer,180+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.13}, {""feature"": ""Payment Ratio"", ""value"": 0.1}, {""feature"": ""Time since last delinquency"", ""value"": 0.08}, {""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Month on Book"", ""value"": 0.05}]"
CUST0083,2025-05-31,338,High Risk,427874,27020,2458,15.47,440880,2024-10-29,2024-10-08,Irregular Payer,180+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.01}, {""feature"": ""Month on Book"", ""value"": 0.01}, {""feature"": ""Payment Ratio"", ""value"": 0.0}]"
CUST0083,2025-06-30,928,Low Risk,427874,27020,0,15.22,446472,,2024-11-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.25}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.2}, {""feature"": ""Month on Book"", ""value"": -0.16}, {""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}]"
CUST0083,2025-07-31,685,Low Risk,427874,27020,9383,15.99,443038,2025-01-01,2024-12-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.31}, {""feature"": ""Payment Ratio"", ""value"": -0.25}, {""feature"": ""Time since last delinquency"", ""value"": -0.2}, {""feature"": ""Credit Utilization"", ""value"": -0.16}, {""feature"": ""Month on Book"", ""value"": -0.13}]"
CUST0083,2025-08-31,76,High Risk,427874,27020,5192,16.45,443920,2025-02-05,2025-01-08,Irregular Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": -0.29}, {""feature"": ""Month on Book"", ""value"": -0.23}, {""feature"": ""Payment Ratio"", ""value"": -0.19}, {""feature"": ""Credit Utilization"", ""value"": -0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.12}]"
CUST0083,2025-09-28,659,Low Risk,427874,27020,8606,15.46,441033,2025-02-16,2025-02-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.4}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.32}, {""feature"": ""Month on Book"", ""value"": 0.26}, {""feature"": ""Payment Ratio"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}]"
CUST0083,2025-10-31,51,High Risk,427874,27020,1646,15.2,444973,2025-04-04,2025-03-08,Irregular Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.04}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.03}, {""feature"": ""Month on Book"", ""value"": -0.02}, {""feature"": ""Credit Utilization"", ""value"": -0.02}]"
CUST0083,2025-11-30,872,Low Risk,427874,27020,2898,15.58,447853,2025-04-21,2025-04-08,Irregular Payer,180+ DPD,Delinquent,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.2}, {""feature"": ""Time since last delinquency"", ""value"": -0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.13}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}]"
CUST0083,2025-12-31,97,High Risk,427874,27020,3267,16.7,450818,2025-05-08,2025-05-08,On Time,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.59}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.47}, {""feature"": ""Month on Book"", ""value"": 0.38}, {""feature"": ""Credit Utilization"", ""value"": 0.3}, {""feature"": ""Payment Ratio"", ""value"": 0.24}]"
CUST0083,2026-01-31,679,Low Risk,427874,27020,8171,16.29,448767,2025-06-19,2025-06-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.16}, {""feature"": ""Month on Book"", ""value"": 0.13}, {""feature"": ""Payment Ratio"", ""value"": 0.1}, {""feature"": ""Credit Utilization"", ""value"": 0.08}, {""feature"": ""Time since last delinquency"", ""value"": 0.07}]"
CUST0084,2025-02-28,750,Low Risk,346005,21942,2865,15.19,347519,2024-07-13,2024-07-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.2}, {""feature"": ""Month on Book"", ""value"": -0.16}, {""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Payment Ratio"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}]"
CUST0084,2025-03-31,410,Medium Risk,346005,21942,0,15.8,352095,,2024-08-08,Non Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": 0.47}, {""feature"": ""Payment Ratio"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Month on Book"", ""value"": 0.19}]"
CUST0084,2025-04-30,278,High Risk,346005,21942,0,16.67,356986,,2024-09-08,Non Payer,150+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Month on Book"", ""value"": -0.11}, {""feature"": ""Payment Ratio"", ""value"": -0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}]"
CUST0084,2025-05-31,819,Low Risk,346005,21942,3171,15.84,358527,2024-10-11,2024-10-08,On Time,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.11}, {""feature"": ""Month on Book"", ""value"": 0.09}, {""feature"": ""Payment Ratio"", ""value"": 0.07}, {""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}]"
CUST0084,2025-06-30,712,Low Risk,346005,21942,7816,16.45,355626,2024-11-11,2024-11-08,On Time,180+ DPD,Delinquent,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.25}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}, {""feature"": ""Credit Utilization"", ""value"": 0.16}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}]"
CUST0084,2025-07-31,933,Low Risk,346005,21942,0,16.18,360421,,2024-12-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.4}, {""feature"": ""Payment Ratio"", ""value"": 0.32}, {""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}]"
CUST0084,2025-08-31,694,Low Risk,346005,21942,0,15.88,365191,,2025-01-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.25}, {""feature"": ""Credit Utilization"", ""value"": -0.2}, {""feature"": ""Month on Book"", ""value"": -0.16}, {""feature"": ""Payment Ratio"", ""value"": -0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}]"
CUST0084,2025-09-28,388,Medium Risk,346005,21942,0,16.56,370231,,2025-02-08,Non Payer,30+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.13}, {""feature"": ""Credit Utilization"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}]"
CUST0084,2025-10-31,29,High Risk,346005,21942,8997,16.73,366395,2025-03-23,2025-03-08,Irregular Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.25}, {""feature"": ""Payment Ratio"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Month on Book"", ""value"": 0.1}]"
CUST0084,2025-11-30,115,High Risk,346005,21942,0,16.78,371519,,2025-04-08,Non Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.06}, {""feature"": ""Credit Utilization"", ""value"": 0.05}, {""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.02}]"
CUST0084,2025-12-31,47,High Risk,346005,21942,9598,15.13,366605,2025-05-08,2025-05-08,On Time,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.25}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.2}, {""feature"": ""Month on Book"", ""value"": 0.16}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Credit Utilization"", ""value"": 0.1}]"
CUST0084,2026-01-31,785,Low Risk,346005,21942,0,16.49,371643,,2025-06-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.51}, {""feature"": ""Month on Book"", ""value"": 0.41}, {""feature"": ""Payment Ratio"", ""value"": 0.33}, {""feature"": ""Time since last delinquency"", ""value"": 0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.21}]"
CUST0085,2025-02-28,685,Low Risk,137432,13591,0,16.75,139350,,2024-07-08,Non Payer,90+ DPD,Delinquent,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.46}, {""feature"": ""Time since last delinquency"", ""value"": 0.37}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.24}, {""feature"": ""Month on Book"", ""value"": 0.19}]"
CUST0085,2025-03-31,535,Medium Risk,137432,13591,0,16.38,141252,,2024-08-08,Non Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": -0.3}, {""feature"": ""Credit Utilization"", ""value"": -0.24}, {""feature"": ""Month on Book"", ""value"": -0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Payment Ratio"", ""value"": -0.12}]"
CUST0085,2025-04-30,97,High Risk,137432,13591,6664,15.87,136456,2024-09-23,2024-09-08,Irregular Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Month on Book"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.01}, {""feature"": ""Payment Ratio"", ""value"": 0.0}]"
CUST0085,2025-05-31,679,Low Risk,137432,13591,1894,16.35,136421,2024-10-12,2024-10-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.37}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Month on Book"", ""value"": 0.24}, {""feature"": ""Payment Ratio"", ""value"": 0.19}, {""feature"": ""Time since last delinquency"", ""value"": 0.15}]"
CUST0085,2025-06-30,11,High Risk,137432,13591,8688,16.29,129585,2024-11-24,2024-11-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.21}, {""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.11}, {""feature"": ""Time since last delinquency"", ""value"": -0.09}]"
CUST0085,2025-07-31,872,Low Risk,137432,13591,9055,15.99,122257,2024-12-10,2024-12-08,On Time,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.18}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.11}, {""feature"": ""Payment Ratio"", ""value"": -0.09}]"
CUST0085,2025-08-31,328,High Risk,137432,13591,9305,15.48,114529,2025-01-09,2025-01-08,On Time,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.31}, {""feature"": ""Credit Utilization"", ""value"": -0.25}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.2}, {""feature"": ""Payment Ratio"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}]"
CUST0085,2025-09-28,228,High Risk,137432,13591,4850,16.1,111216,2025-02-20,2025-02-08,Irregular Payer,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}]"
CUST0085,2025-10-31,80,High Risk,137432,13591,0,15.92,112691,,2025-03-08,Non Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.15}, {""feature"": ""Credit Utilization"", ""value"": 0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Time since last delinquency"", ""value"": 0.08}]"
CUST0085,2025-11-30,458,Medium Risk,137432,13591,0,15.18,114117,,2025-04-08,Non Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": 0.53}, {""feature"": ""Time since last delinquency"", ""value"": 0.42}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.34}, {""feature"": ""Credit Utilization"", ""value"": 0.27}, {""feature"": ""Month on Book"", ""value"": 0.22}]"
CUST0085,2025-12-31,457,Medium Risk,137432,13591,0,15.63,115603,,2025-05-08,Non Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": -0.16}, {""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}]"
CUST0085,2026-01-31,763,Low Risk,137432,13591,7755,16.31,109419,2025-06-20,2025-06-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.19}, {""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Credit Utilization"", ""value"": -0.08}]"
CUST0086,2025-02-28,0,High Risk,38786,3019,0,16.65,39324,,2024-07-08,Non Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.53}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.42}, {""feature"": ""Month on Book"", ""value"": 0.34}, {""feature"": ""Time since last delinquency"", ""value"": 0.27}, {""feature"": ""Payment Ratio"", ""value"": 0.22}]"
CUST0086,2025-03-31,986,Low Risk,38786,3019,9328,16.24,30528,2024-09-05,2024-08-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.31}, {""feature"": ""Month on Book"", ""value"": -0.25}, {""feature"": ""Credit Utilization"", ""value"": -0.2}, {""feature"": ""Payment Ratio"", ""value"": -0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.13}]"
CUST0086,2025-04-30,575,Medium Risk,38786,3019,0,15.41,30920,,2024-09-08,Non Payer,30+ DPD,Delinquent,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.03}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}, {""feature"": ""Credit Utilization"", ""value"": -0.02}, {""feature"": ""Payment Ratio"", ""value"": -0.02}, {""feature"": ""Month on Book"", ""value"": -0.01}]"
CUST0086,2025-05-31,973,Low Risk,38786,3019,4652,15.68,26672,2024-11-03,2024-10-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.11}, {""feature"": ""Month on Book"", ""value"": 0.09}]"
CUST0086,2025-06-30,864,Low Risk,38786,3019,0,15.91,27026,,2024-11-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.48}, {""feature"": ""Credit Utilization"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.31}, {""feature"": ""Month on Book"", ""value"": 0.25}, {""feature"": ""Payment Ratio"", ""value"": 0.2}]"
CUST0086,2025-07-31,785,Low Risk,38786,3019,0,16.24,27391,,2024-12-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.23}, {""feature"": ""Payment Ratio"", ""value"": -0.18}, {""feature"": ""Time since last delinquency"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}]"
CUST0086,2025-08-31,733,Low Risk,38786,3019,0,16.31,27764,,2025-01-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Payment Ratio"", ""value"": -0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}, {""feature"": ""Credit Utilization"", ""value"": -0.01}]"
CUST0086,2025-09-28,116,High Risk,38786,3019,6592,15.19,21523,2025-02-08,2025-02-08,On Time,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": -0.08}, {""feature"": ""Payment Ratio"", ""value"": -0.06}, {""feature"": ""Month on Book"", ""value"": -0.05}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.03}]"
CUST0086,2025-10-31,363,Medium Risk,38786,3019,9552,16.66,12270,2025-03-25,2025-03-08,Irregular Payer,90+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": -0.27}, {""feature"": ""Month on Book"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.11}]"
CUST0086,2025-11-30,382,Medium Risk,38786,3019,3689,16.4,8749,2025-05-06,2025-04-08,Irregular Payer,120+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Credit Utilization"", ""value"": -0.06}, {""feature"": ""Payment Ratio"", ""value"": -0.05}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}]"
CUST0086,2025-12-31,504,Medium Risk,38786,3019,5166,15.28,3694,2025-05-11,2025-05-08,On Time,0-30,Current,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": -0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.08}, {""feature"": ""Credit Utilization"", ""value"": -0.06}, {""feature"": ""Month on Book"", ""value"": -0.05}, {""feature"": ""Time since last delinquency"", ""value"": -0.04}]"
CUST0086,2026-01-31,625,Medium Risk,38786,3019,7437,15.39,0,2025-07-07,2025-06-08,Irregular Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": -0.06}, {""feature"": ""Payment Ratio"", ""value"": -0.05}, {""feature"": ""Credit Utilization"", ""value"": -0.04}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}]"
CUST0087,2025-02-28,800,Low Risk,133030,9691,7790,15.38,126945,2024-07-11,2024-07-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.5}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.4}, {""feature"": ""Month on Book"", ""value"": 0.32}, {""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}]"
CUST0087,2025-03-31,47,High Risk,133030,9691,0,16.85,128727,,2024-08-08,Non Payer,150+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Payment Ratio"", ""value"": 0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.17}, {""feature"": ""Month on Book"", ""value"": 0.13}, {""feature"": ""Time since last delinquency"", ""value"": 0.11}]"
CUST0087,2025-04-30,126,High Risk,133030,9691,0,16.54,130501,,2024-09-08,Non Payer,210+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.12}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Time since last delinquency"", ""value"": -0.08}, {""feature"": ""Credit Utilization"", ""value"": -0.06}, {""feature"": ""Payment Ratio"", ""value"": -0.05}]"
CUST0087,2025-05-31,468,Medium Risk,133030,9691,0,16.32,132276,,2024-10-08,Non Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.54}, {""feature"": ""Month on Book"", ""value"": 0.43}, {""feature"": ""Payment Ratio"", ""value"": 0.35}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.28}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}]"
CUST0087,2025-06-30,137,High Risk,133030,9691,1795,16.93,132347,2024-11-24,2024-11-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": -0.36}, {""feature"": ""Month on Book"", ""value"": -0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.23}, {""feature"": ""Time since last delinquency"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.15}]"
CUST0087,2025-07-31,566,Medium Risk,133030,9691,0,16.87,134208,,2024-12-08,Non Payer,0-30,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.2}, {""feature"": ""Credit Utilization"", ""value"": 0.16}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}]"
CUST0087,2025-08-31,494,Medium Risk,133030,9691,3845,16.85,132247,2025-01-30,2025-01-08,Irregular Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": 0.32}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}, {""feature"": ""Time since last delinquency"", ""value"": 0.13}]"
CUST0087,2025-09-28,748,Low Risk,133030,9691,6273,16.63,127807,2025-02-20,2025-02-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.06}, {""feature"": ""Payment Ratio"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}]"
CUST0087,2025-10-31,516,Medium Risk,133030,9691,5067,16.76,124525,2025-03-27,2025-03-08,Irregular Payer,120+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.49}, {""feature"": ""Month on Book"", ""value"": 0.39}, {""feature"": ""Time since last delinquency"", ""value"": 0.31}, {""feature"": ""Credit Utilization"", ""value"": 0.25}, {""feature"": ""Payment Ratio"", ""value"": 0.2}]"
CUST0087,2025-11-30,280,High Risk,133030,9691,8419,15.8,117746,2025-04-17,2025-04-08,Late Payer,180+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.01}]"
CUST0087,2025-12-31,824,Low Risk,133030,9691,9393,15.27,109851,2025-05-27,2025-05-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.0}, {""feature"": ""Time since last delinquency"", ""value"": -0.0}, {""feature"": ""Credit Utilization"", ""value"": -0.0}, {""feature"": ""Month on Book"", ""value"": -0.0}, {""feature"": ""Payment Ratio"", ""value"": -0.0}]"
CUST0087,2026-01-31,306,High Risk,133030,9691,0,16.69,111379,,2025-06-08,Non Payer,210+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.46}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.37}, {""feature"": ""Credit Utilization"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.24}, {""feature"": ""Month on Book"", ""value"": 0.19}]"
CUST0088,2025-02-28,754,Low Risk,471258,30959,4435,16.87,473448,2024-07-14,2024-07-08,Late Payer,120+ DPD,Delinquent,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Month on Book"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}, {""feature"": ""Time since last delinquency"", ""value"": -0.07}]"
CUST0088,2025-03-31,639,Medium Risk,471258,30959,3173,16.43,476757,2024-09-06,2024-08-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}, {""feature"": ""Credit Utilization"", ""value"": 0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.08}]"
CUST0088,2025-04-30,727,Low Risk,471258,30959,9888,16.3,473345,2024-09-24,2024-09-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Time since last delinquency"", ""value"": 0.12}, {""feature"": ""Month on Book"", ""value"": 0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.07}]"
CUST0088,2025-05-31,710,Low Risk,471258,30959,6771,16.27,472992,2024-11-01,2024-10-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.12}, {""feature"": ""Payment Ratio"", ""value"": 0.1}, {""feature"": ""Time since last delinquency"", ""value"": 0.08}]"
CUST0088,2025-06-30,575,Medium Risk,471258,30959,0,15.96,479282,,2024-11-08,Non Payer,60+ DPD,Delinquent,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Credit Utilization"", ""value"": -0.06}, {""feature"": ""Month on Book"", ""value"": -0.05}]"
CUST0088,2025-07-31,965,Low Risk,471258,30959,9747,16.33,476058,2024-12-29,2024-12-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.18}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.12}, {""feature"": ""Credit Utilization"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}]"
CUST0088,2025-08-31,292,High Risk,471258,30959,1209,16.75,481494,2025-02-02,2025-01-08,Irregular Payer,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": -0.05}, {""feature"": ""Month on Book"", ""value"": -0.04}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}, {""feature"": ""Credit Utilization"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}]"
CUST0088,2025-09-28,535,Medium Risk,471258,30959,1869,15.21,485728,2025-02-12,2025-02-08,Late Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.32}, {""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}, {""feature"": ""Time since last delinquency"", ""value"": 0.13}]"
CUST0088,2025-10-31,686,Low Risk,471258,30959,3636,15.11,488208,2025-04-01,2025-03-08,Irregular Payer,180+ DPD,Delinquent,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.32}, {""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}, {""feature"": ""Credit Utilization"", ""value"": 0.16}, {""feature"": ""Month on Book"", ""value"": 0.13}]"
CUST0088,2025-11-30,293,High Risk,471258,30959,2016,16.37,492852,2025-05-04,2025-04-08,Irregular Payer,240+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.05}, {""feature"": ""Payment Ratio"", ""value"": -0.04}, {""feature"": ""Time since last delinquency"", ""value"": -0.03}, {""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Credit Utilization"", ""value"": -0.02}]"
CUST0088,2025-12-31,707,Low Risk,471258,30959,9866,16.57,489791,2025-06-01,2025-05-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.07}, {""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Time since last delinquency"", ""value"": 0.04}, {""feature"": ""Payment Ratio"", ""value"": 0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.03}]"
CUST0088,2026-01-31,33,High Risk,471258,30959,0,15.72,496207,,2025-06-08,Non Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.34}, {""feature"": ""Time since last delinquency"", ""value"": -0.27}, {""feature"": ""Payment Ratio"", ""value"": -0.22}, {""feature"": ""Month on Book"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.14}]"
CUST0089,2025-02-28,691,Low Risk,73729,5957,7371,16.48,67370,2024-07-31,2024-07-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}, {""feature"": ""Month on Book"", ""value"": -0.1}, {""feature"": ""Credit Utilization"", ""value"": -0.08}, {""feature"": ""Payment Ratio"", ""value"": -0.06}]"
CUST0089,2025-03-31,243,High Risk,73729,5957,1769,16.02,66500,2024-08-30,2024-08-08,Irregular Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": 0.57}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.46}, {""feature"": ""Time since last delinquency"", ""value"": 0.36}, {""feature"": ""Credit Utilization"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.23}]"
CUST0089,2025-04-30,948,Low Risk,73729,5957,6122,15.76,61252,2024-10-03,2024-09-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": -0.34}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.27}, {""feature"": ""Credit Utilization"", ""value"": -0.22}, {""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}]"
CUST0089,2025-05-31,989,Low Risk,73729,5957,5117,16.1,56957,2024-10-31,2024-10-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.12}, {""feature"": ""Credit Utilization"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}]"
CUST0089,2025-06-30,207,High Risk,73729,5957,0,16.24,57727,,2024-11-08,Non Payer,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.11}, {""feature"": ""Payment Ratio"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.06}]"
CUST0089,2025-07-31,849,Low Risk,73729,5957,9955,15.45,48516,2025-01-01,2024-12-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}, {""feature"": ""Time since last delinquency"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}]"
CUST0089,2025-08-31,756,Low Risk,73729,5957,8353,16.21,40818,2025-01-17,2025-01-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.11}, {""feature"": ""Time since last delinquency"", ""value"": 0.09}]"
CUST0089,2025-09-28,181,High Risk,73729,5957,3847,16.97,37548,2025-02-13,2025-02-08,Late Payer,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.52}, {""feature"": ""Credit Utilization"", ""value"": 0.42}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.33}, {""feature"": ""Payment Ratio"", ""value"": 0.27}, {""feature"": ""Time since last delinquency"", ""value"": 0.21}]"
CUST0089,2025-10-31,752,Low Risk,73729,5957,8020,16.03,30030,2025-03-09,2025-03-08,On Time,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.49}, {""feature"": ""Credit Utilization"", ""value"": 0.39}, {""feature"": ""Month on Book"", ""value"": 0.31}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.25}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}]"
CUST0089,2025-11-30,285,High Risk,73729,5957,5178,16.11,25255,2025-04-13,2025-04-08,Late Payer,150+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": -0.26}, {""feature"": ""Payment Ratio"", ""value"": -0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.17}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}, {""feature"": ""Month on Book"", ""value"": -0.11}]"
CUST0089,2025-12-31,5,High Risk,73729,5957,3518,15.66,22067,2025-05-09,2025-05-08,On Time,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.24}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.19}, {""feature"": ""Month on Book"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}]"
CUST0089,2026-01-31,950,Low Risk,73729,5957,5934,15.65,16420,2025-07-02,2025-06-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.01}, {""feature"": ""Month on Book"", ""value"": -0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.01}, {""feature"": ""Credit Utilization"", ""value"": -0.01}, {""feature"": ""Time since last delinquency"", ""value"": -0.0}]"
CUST0090,2025-02-28,563,Medium Risk,277189,24807,4603,15.72,276217,2024-07-24,2024-07-08,Irregular Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.02}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}, {""feature"": ""Credit Utilization"", ""value"": -0.01}, {""feature"": ""Payment Ratio"", ""value"": -0.01}, {""feature"": ""Month on Book"", ""value"": -0.01}]"
CUST0090,2025-03-31,979,Low Risk,277189,24807,9276,15.37,270479,2024-09-02,2024-08-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.43}, {""feature"": ""Payment Ratio"", ""value"": 0.34}, {""feature"": ""Time since last delinquency"", ""value"": 0.28}, {""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.18}]"
CUST0090,2025-04-30,163,High Risk,277189,24807,0,15.83,274047,,2024-09-08,Non Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.25}, {""feature"": ""Payment Ratio"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}]"
CUST0090,2025-05-31,413,Medium Risk,277189,24807,4495,15.18,273018,2024-11-05,2024-10-08,Irregular Payer,150+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": 0.25}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.16}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Month on Book"", ""value"": 0.1}]"
CUST0090,2025-06-30,679,Low Risk,277189,24807,4579,15.66,272002,2024-11-17,2024-11-08,Late Payer,210+ DPD,Delinquent,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.31}, {""feature"": ""Credit Utilization"", ""value"": 0.25}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.16}, {""feature"": ""Month on Book"", ""value"": 0.13}]"
CUST0090,2025-07-31,973,Low Risk,277189,24807,0,16.51,275745,,2024-12-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.33}, {""feature"": ""Payment Ratio"", ""value"": -0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.21}, {""feature"": ""Month on Book"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.14}]"
CUST0090,2025-08-31,486,Medium Risk,277189,24807,6668,16.99,272981,2025-01-11,2025-01-08,On Time,60+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": 0.05}, {""feature"": ""Payment Ratio"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}]"
CUST0090,2025-09-28,456,Medium Risk,277189,24807,0,15.48,276502,,2025-02-08,Non Payer,240+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": -0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.04}, {""feature"": ""Credit Utilization"", ""value"": -0.03}, {""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Time since last delinquency"", ""value"": -0.02}]"
CUST0090,2025-10-31,940,Low Risk,277189,24807,6258,16.24,273986,2025-03-29,2025-03-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.21}, {""feature"": ""Month on Book"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}]"
CUST0090,2025-11-30,390,Medium Risk,277189,24807,5203,16.83,272626,2025-04-20,2025-04-08,Irregular Payer,90+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Time since last delinquency"", ""value"": 0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.17}, {""feature"": ""Month on Book"", ""value"": 0.13}, {""feature"": ""Payment Ratio"", ""value"": 0.11}]"
CUST0090,2025-12-31,553,Medium Risk,277189,24807,9468,16.45,266895,2025-06-06,2025-05-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.06}, {""feature"": ""Payment Ratio"", ""value"": 0.05}, {""feature"": ""Time since last delinquency"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.03}]"
CUST0090,2026-01-31,841,Low Risk,277189,24807,0,16.54,270574,,2025-06-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.35}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.28}, {""feature"": ""Month on Book"", ""value"": -0.22}, {""feature"": ""Time since last delinquency"", ""value"": -0.18}, {""feature"": ""Credit Utilization"", ""value"": -0.14}]"
CUST0091,2025-02-28,498,Medium Risk,440907,33260,9419,15.09,437032,2024-07-18,2024-07-08,Late Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": 0.13}, {""feature"": ""Time since last delinquency"", ""value"": 0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.08}, {""feature"": ""Payment Ratio"", ""value"": 0.07}, {""feature"": ""Credit Utilization"", ""value"": 0.05}]"
CUST0091,2025-03-31,84,High Risk,440907,33260,9814,16.9,433373,2024-09-01,2024-08-08,Irregular Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.45}, {""feature"": ""Payment Ratio"", ""value"": 0.36}, {""feature"": ""Time since last delinquency"", ""value"": 0.29}, {""feature"": ""Credit Utilization"", ""value"": 0.23}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}]"
CUST0091,2025-04-30,546,Medium Risk,440907,33260,4492,15.01,434302,2024-09-14,2024-09-08,Late Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.28}, {""feature"": ""Credit Utilization"", ""value"": -0.22}, {""feature"": ""Time since last delinquency"", ""value"": -0.18}, {""feature"": ""Month on Book"", ""value"": -0.14}, {""feature"": ""Payment Ratio"", ""value"": -0.11}]"
CUST0091,2025-05-31,885,Low Risk,440907,33260,9810,16.37,430416,2024-10-14,2024-10-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.38}, {""feature"": ""Credit Utilization"", ""value"": 0.3}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Payment Ratio"", ""value"": 0.16}]"
CUST0091,2025-06-30,848,Low Risk,440907,33260,2181,16.41,434121,2024-11-28,2024-11-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.43}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.34}, {""feature"": ""Time since last delinquency"", ""value"": 0.28}, {""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.18}]"
CUST0091,2025-07-31,764,Low Risk,440907,33260,6434,16.37,433609,2024-12-22,2024-12-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.33}, {""feature"": ""Credit Utilization"", ""value"": -0.26}, {""feature"": ""Month on Book"", ""value"": -0.21}, {""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}]"
CUST0091,2025-08-31,38,High Risk,440907,33260,5127,15.18,433967,2025-01-13,2025-01-08,Late Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}, {""feature"": ""Payment Ratio"", ""value"": 0.07}]"
CUST0091,2025-09-28,571,Medium Risk,440907,33260,5237,15.14,434206,2025-03-09,2025-02-08,Irregular Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Payment Ratio"", ""value"": 0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.08}]"
CUST0091,2025-10-31,417,Medium Risk,440907,33260,6183,15.78,433732,2025-03-21,2025-03-08,Irregular Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}]"
CUST0091,2025-11-30,17,High Risk,440907,33260,1096,15.78,438340,2025-04-25,2025-04-08,Irregular Payer,150+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.33}, {""feature"": ""Credit Utilization"", ""value"": 0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.21}, {""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.14}]"
CUST0091,2025-12-31,656,Low Risk,440907,33260,1745,16.44,442600,2025-06-01,2025-05-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Month on Book"", ""value"": 0.11}, {""feature"": ""Time since last delinquency"", ""value"": 0.09}, {""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.06}]"
CUST0091,2026-01-31,717,Low Risk,440907,33260,9238,16.7,439522,2025-07-07,2025-06-08,Irregular Payer,150+ DPD,Delinquent,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.39}, {""feature"": ""Time since last delinquency"", ""value"": 0.31}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.25}, {""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}]"
CUST0092,2025-02-28,702,Low Risk,75645,4878,8170,15.6,68458,2024-07-17,2024-07-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.01}]"
CUST0092,2025-03-31,390,Medium Risk,75645,4878,3561,15.79,65798,2024-08-23,2024-08-08,Irregular Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Time since last delinquency"", ""value"": -0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.05}, {""feature"": ""Payment Ratio"", ""value"": -0.04}, {""feature"": ""Credit Utilization"", ""value"": -0.03}, {""feature"": ""Month on Book"", ""value"": -0.02}]"
CUST0092,2025-04-30,546,Medium Risk,75645,4878,9941,15.44,56703,2024-10-03,2024-09-08,Irregular Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Credit Utilization"", ""value"": 0.36}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Month on Book"", ""value"": 0.23}, {""feature"": ""Payment Ratio"", ""value"": 0.18}, {""feature"": ""Time since last delinquency"", ""value"": 0.15}]"
CUST0092,2025-05-31,302,High Risk,75645,4878,7113,16.92,50390,2024-10-17,2024-10-08,Late Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.19}, {""feature"": ""Time since last delinquency"", ""value"": 0.15}, {""feature"": ""Month on Book"", ""value"": 0.12}, {""feature"": ""Credit Utilization"", ""value"": 0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.08}]"
CUST0092,2025-06-30,980,Low Risk,75645,4878,0,16.9,51099,,2024-11-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.33}, {""feature"": ""Time since last delinquency"", ""value"": 0.26}, {""feature"": ""Payment Ratio"", ""value"": 0.21}, {""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Credit Utilization"", ""value"": 0.14}]"
CUST0092,2025-07-31,895,Low Risk,75645,4878,1082,16.11,50703,2024-12-09,2024-12-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.11}, {""feature"": ""Payment Ratio"", ""value"": 0.09}, {""feature"": ""Credit Utilization"", ""value"": 0.07}, {""feature"": ""Month on Book"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.05}]"
CUST0092,2025-08-31,586,Medium Risk,75645,4878,0,16.19,51388,,2025-01-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Payment Ratio"", ""value"": 0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.12}, {""feature"": ""Month on Book"", ""value"": 0.1}]"
CUST0092,2025-09-28,560,Medium Risk,75645,4878,6633,16.89,45478,2025-02-14,2025-02-08,Late Payer,0-30,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": 0.03}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}]"
CUST0092,2025-10-31,216,High Risk,75645,4878,0,15.83,46078,,2025-03-08,Non Payer,180+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.14}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}, {""feature"": ""Payment Ratio"", ""value"": -0.07}, {""feature"": ""Credit Utilization"", ""value"": -0.06}]"
CUST0092,2025-11-30,145,High Risk,75645,4878,5140,15.32,41526,2025-04-27,2025-04-08,Irregular Payer,30+ DPD,Current,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.16}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Time since last delinquency"", ""value"": 0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.08}, {""feature"": ""Month on Book"", ""value"": 0.07}]"
CUST0092,2025-12-31,198,High Risk,75645,4878,0,15.23,42053,,2025-05-08,Non Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Month on Book"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Time since last delinquency"", ""value"": 0.11}]"
CUST0092,2026-01-31,872,Low Risk,75645,4878,0,15.11,42583,,2025-06-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.24}, {""feature"": ""Time since last delinquency"", ""value"": -0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Month on Book"", ""value"": -0.12}, {""feature"": ""Payment Ratio"", ""value"": -0.1}]"
CUST0093,2025-02-28,74,High Risk,261835,21531,2608,15.58,262626,2024-07-16,2024-07-08,Late Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.41}, {""feature"": ""Credit Utilization"", ""value"": 0.33}, {""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.21}, {""feature"": ""Time since last delinquency"", ""value"": 0.17}]"
CUST0093,2025-03-31,202,High Risk,261835,21531,0,16.45,266226,,2024-08-08,Non Payer,180+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.12}, {""feature"": ""Payment Ratio"", ""value"": 0.1}, {""feature"": ""Credit Utilization"", ""value"": 0.08}]"
CUST0093,2025-04-30,974,Low Risk,261835,21531,4842,15.66,264858,2024-09-29,2024-09-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.02}, {""feature"": ""Payment Ratio"", ""value"": -0.02}, {""feature"": ""Month on Book"", ""value"": -0.01}, {""feature"": ""Time since last delinquency"", ""value"": -0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.01}]"
CUST0093,2025-05-31,102,High Risk,261835,21531,4170,15.57,264125,2024-11-05,2024-10-08,Irregular Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}, {""feature"": ""Credit Utilization"", ""value"": -0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}]"
CUST0093,2025-06-30,325,High Risk,261835,21531,6008,15.97,261632,2024-11-27,2024-11-08,Irregular Payer,150+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": -0.2}, {""feature"": ""Payment Ratio"", ""value"": -0.16}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.13}, {""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Month on Book"", ""value"": -0.08}]"
CUST0093,2025-07-31,710,Low Risk,261835,21531,0,16.17,265158,,2024-12-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": -0.31}, {""feature"": ""Month on Book"", ""value"": -0.25}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.2}, {""feature"": ""Time since last delinquency"", ""value"": -0.16}, {""feature"": ""Payment Ratio"", ""value"": -0.13}]"
CUST0093,2025-08-31,580,Medium Risk,261835,21531,3762,15.73,264871,2025-01-21,2025-01-08,Irregular Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.43}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.34}, {""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.18}]"
CUST0093,2025-09-28,4,High Risk,261835,21531,8145,15.63,260176,2025-03-02,2025-02-08,Irregular Payer,90+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": -0.24}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.19}, {""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Credit Utilization"", ""value"": -0.12}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}]"
CUST0093,2025-10-31,283,High Risk,261835,21531,6432,16.68,257361,2025-03-29,2025-03-08,Irregular Payer,60+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.36}, {""feature"": ""Credit Utilization"", ""value"": -0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.23}, {""feature"": ""Payment Ratio"", ""value"": -0.18}, {""feature"": ""Time since last delinquency"", ""value"": -0.15}]"
CUST0093,2025-11-30,898,Low Risk,261835,21531,0,15.96,260784,,2025-04-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.32}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Credit Utilization"", ""value"": 0.16}, {""feature"": ""Time since last delinquency"", ""value"": 0.13}]"
CUST0093,2025-12-31,367,Medium Risk,261835,21531,0,16.55,264380,,2025-05-08,Non Payer,150+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": 0.24}, {""feature"": ""Credit Utilization"", ""value"": 0.19}, {""feature"": ""Time since last delinquency"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}]"
CUST0093,2026-01-31,564,Medium Risk,261835,21531,0,15.22,267734,,2025-06-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.06}, {""feature"": ""Credit Utilization"", ""value"": 0.05}, {""feature"": ""Month on Book"", ""value"": 0.04}]"
CUST0094,2025-02-28,879,Low Risk,62977,5799,0,16.65,63850,,2024-07-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.21}, {""feature"": ""Credit Utilization"", ""value"": 0.17}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Month on Book"", ""value"": 0.11}, {""feature"": ""Time since last delinquency"", ""value"": 0.09}]"
CUST0094,2025-03-31,201,High Risk,62977,5799,2235,15.53,62442,2024-08-31,2024-08-08,Irregular Payer,240+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": -0.1}, {""feature"": ""Payment Ratio"", ""value"": -0.08}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}, {""feature"": ""Month on Book"", ""value"": -0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.04}]"
CUST0094,2025-04-30,913,Low Risk,62977,5799,0,15.04,63224,,2024-09-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.58}, {""feature"": ""Month on Book"", ""value"": 0.46}, {""feature"": ""Credit Utilization"", ""value"": 0.37}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Time since last delinquency"", ""value"": 0.24}]"
CUST0094,2025-05-31,646,Medium Risk,62977,5799,0,15.06,64018,,2024-10-08,Non Payer,0-30,Current,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": 0.31}, {""feature"": ""Time since last delinquency"", ""value"": 0.25}, {""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.16}, {""feature"": ""Payment Ratio"", ""value"": 0.13}]"
CUST0094,2025-06-30,592,Medium Risk,62977,5799,0,15.81,64861,,2024-11-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.21}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.17}, {""feature"": ""Time since last delinquency"", ""value"": 0.13}, {""feature"": ""Month on Book"", ""value"": 0.11}]"
CUST0094,2025-07-31,217,High Risk,62977,5799,0,16.81,65770,,2024-12-08,Non Payer,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.12}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Month on Book"", ""value"": 0.08}, {""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Payment Ratio"", ""value"": 0.05}]"
CUST0094,2025-08-31,266,High Risk,62977,5799,0,16.09,66652,,2025-01-08,Non Payer,90+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": -0.11}, {""feature"": ""Time since last delinquency"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Payment Ratio"", ""value"": -0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.05}]"
CUST0094,2025-09-28,483,Medium Risk,62977,5799,7430,16.31,60128,2025-02-19,2025-02-08,Irregular Payer,90+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": -0.35}, {""feature"": ""Time since last delinquency"", ""value"": -0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.14}]"
CUST0094,2025-10-31,228,High Risk,62977,5799,0,16.78,60968,,2025-03-08,Non Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.07}, {""feature"": ""Payment Ratio"", ""value"": 0.06}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.03}]"
CUST0094,2025-11-30,750,Low Risk,62977,5799,9210,16.71,52607,2025-04-22,2025-04-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.21}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Month on Book"", ""value"": -0.13}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}, {""feature"": ""Payment Ratio"", ""value"": -0.09}]"
CUST0094,2025-12-31,522,Medium Risk,62977,5799,1173,15.18,52100,2025-05-24,2025-05-08,Irregular Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": 0.01}, {""feature"": ""Payment Ratio"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.0}]"
CUST0094,2026-01-31,678,Low Risk,62977,5799,0,15.48,52772,,2025-06-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.04}, {""feature"": ""Credit Utilization"", ""value"": -0.03}, {""feature"": ""Month on Book"", ""value"": -0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.02}, {""feature"": ""Payment Ratio"", ""value"": -0.02}]"
CUST0095,2025-02-28,526,Medium Risk,378697,22075,3395,15.28,380124,2024-07-13,2024-07-08,Late Payer,90+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.21}, {""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}, {""feature"": ""Month on Book"", ""value"": -0.09}]"
CUST0095,2025-03-31,753,Low Risk,378697,22075,4585,16.46,380753,2024-08-09,2024-08-08,On Time,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.25}, {""feature"": ""Month on Book"", ""value"": 0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Time since last delinquency"", ""value"": 0.1}]"
CUST0095,2025-04-30,779,Low Risk,378697,22075,7052,15.98,378771,2024-09-16,2024-09-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.3}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}, {""feature"": ""Time since last delinquency"", ""value"": 0.19}, {""feature"": ""Credit Utilization"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}]"
CUST0095,2025-05-31,239,High Risk,378697,22075,6918,15.09,376616,2024-10-24,2024-10-08,Irregular Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.07}, {""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Payment Ratio"", ""value"": 0.05}, {""feature"": ""Month on Book"", ""value"": 0.04}]"
CUST0095,2025-06-30,397,Medium Risk,378697,22075,0,15.94,381619,,2024-11-08,Non Payer,240+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Month on Book"", ""value"": 0.4}, {""feature"": ""Payment Ratio"", ""value"": 0.32}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}]"
CUST0095,2025-07-31,902,Low Risk,378697,22075,9542,15.09,376876,2024-12-11,2024-12-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.09}, {""feature"": ""Month on Book"", ""value"": -0.07}, {""feature"": ""Time since last delinquency"", ""value"": -0.06}, {""feature"": ""Credit Utilization"", ""value"": -0.05}, {""feature"": ""Payment Ratio"", ""value"": -0.04}]"
CUST0095,2025-08-31,648,Medium Risk,378697,22075,9918,16.66,372190,2025-01-26,2025-01-08,Irregular Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.17}, {""feature"": ""Month on Book"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.11}, {""feature"": ""Payment Ratio"", ""value"": 0.09}, {""feature"": ""Time since last delinquency"", ""value"": 0.07}]"
CUST0095,2025-09-28,583,Medium Risk,378697,22075,2275,15.35,374676,2025-02-19,2025-02-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": 0.25}, {""feature"": ""Payment Ratio"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}]"
CUST0095,2025-10-31,529,Medium Risk,378697,22075,7649,15.5,371866,2025-03-24,2025-03-08,Irregular Payer,60+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": -0.34}, {""feature"": ""Month on Book"", ""value"": -0.27}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.22}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Time since last delinquency"", ""value"": -0.14}]"
CUST0095,2025-11-30,361,Medium Risk,378697,22075,8898,16.63,368122,2025-04-23,2025-04-08,Irregular Payer,0-30,Current,Payment reminder call,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.31}, {""feature"": ""Month on Book"", ""value"": -0.25}, {""feature"": ""Payment Ratio"", ""value"": -0.2}, {""feature"": ""Credit Utilization"", ""value"": -0.16}, {""feature"": ""Time since last delinquency"", ""value"": -0.13}]"
CUST0095,2025-12-31,908,Low Risk,378697,22075,0,16.21,373095,,2025-05-08,Non Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}, {""feature"": ""Payment Ratio"", ""value"": 0.14}, {""feature"": ""Credit Utilization"", ""value"": 0.11}]"
CUST0095,2026-01-31,903,Low Risk,378697,22075,2263,15.28,375582,2025-06-15,2025-06-08,Late Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.5}, {""feature"": ""Time since last delinquency"", ""value"": 0.4}, {""feature"": ""Payment Ratio"", ""value"": 0.32}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.26}, {""feature"": ""Credit Utilization"", ""value"": 0.2}]"
CUST0096,2025-02-28,216,High Risk,289767,23811,2938,15.3,290523,2024-07-19,2024-07-08,Irregular Payer,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.3}, {""feature"": ""Time since last delinquency"", ""value"": 0.24}, {""feature"": ""Payment Ratio"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.15}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.12}]"
CUST0096,2025-03-31,676,Low Risk,289767,23811,2856,15.46,291410,2024-08-31,2024-08-08,Irregular Payer,30+ DPD,Delinquent,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.34}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.27}, {""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.17}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}]"
CUST0096,2025-04-30,493,Medium Risk,289767,23811,0,16.35,295380,,2024-09-08,Non Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": -0.36}, {""feature"": ""Month on Book"", ""value"": -0.29}, {""feature"": ""Credit Utilization"", ""value"": -0.23}, {""feature"": ""Time since last delinquency"", ""value"": -0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}]"
CUST0096,2025-05-31,215,High Risk,289767,23811,4992,16.18,294371,2024-10-08,2024-10-08,On Time,210+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.2}, {""feature"": ""Month on Book"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.1}, {""feature"": ""Payment Ratio"", ""value"": 0.08}]"
CUST0096,2025-06-30,44,High Risk,289767,23811,0,15.26,298115,,2024-11-08,Non Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": 0.42}, {""feature"": ""Month on Book"", ""value"": 0.34}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.27}, {""feature"": ""Payment Ratio"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.17}]"
CUST0096,2025-07-31,164,High Risk,289767,23811,0,15.27,301908,,2024-12-08,Non Payer,0-30,Current,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.42}, {""feature"": ""Month on Book"", ""value"": 0.34}, {""feature"": ""Payment Ratio"", ""value"": 0.27}, {""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.17}]"
CUST0096,2025-08-31,40,High Risk,289767,23811,3725,16.78,302405,2025-01-09,2025-01-08,On Time,30+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Credit Utilization"", ""value"": -0.3}, {""feature"": ""Payment Ratio"", ""value"": -0.24}, {""feature"": ""Month on Book"", ""value"": -0.19}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.15}, {""feature"": ""Time since last delinquency"", ""value"": -0.12}]"
CUST0096,2025-09-28,264,High Risk,289767,23811,0,16.84,306649,,2025-02-08,Non Payer,120+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.08}, {""feature"": ""Time since last delinquency"", ""value"": 0.06}, {""feature"": ""Credit Utilization"", ""value"": 0.05}, {""feature"": ""Payment Ratio"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.03}]"
CUST0096,2025-10-31,981,Low Risk,289767,23811,0,15.81,310689,,2025-03-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.47}, {""feature"": ""Credit Utilization"", ""value"": 0.38}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.3}, {""feature"": ""Payment Ratio"", ""value"": 0.24}, {""feature"": ""Month on Book"", ""value"": 0.19}]"
CUST0096,2025-11-30,652,Low Risk,289767,23811,4548,15.04,310035,2025-04-10,2025-04-08,On Time,150+ DPD,Delinquent,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Time since last delinquency"", ""value"": 0.23}, {""feature"": ""Credit Utilization"", ""value"": 0.19}, {""feature"": ""Month on Book"", ""value"": 0.15}, {""feature"": ""Payment Ratio"", ""value"": 0.12}]"
CUST0096,2025-12-31,459,Medium Risk,289767,23811,0,16.21,314223,,2025-05-08,Non Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": -0.15}, {""feature"": ""Month on Book"", ""value"": -0.12}, {""feature"": ""Time since last delinquency"", ""value"": -0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.08}, {""feature"": ""Credit Utilization"", ""value"": -0.06}]"
CUST0096,2026-01-31,888,Low Risk,289767,23811,7730,15.96,310672,2025-07-04,2025-06-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.43}, {""feature"": ""Time since last delinquency"", ""value"": 0.34}, {""feature"": ""Month on Book"", ""value"": 0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.18}]"
CUST0097,2025-02-28,596,Medium Risk,335012,19141,9369,16.64,330288,2024-07-27,2024-07-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}]"
CUST0097,2025-03-31,270,High Risk,335012,19141,8429,15.34,326081,2024-09-06,2024-08-08,Irregular Payer,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.37}, {""feature"": ""Month on Book"", ""value"": 0.3}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.24}, {""feature"": ""Credit Utilization"", ""value"": 0.19}, {""feature"": ""Payment Ratio"", ""value"": 0.15}]"
CUST0097,2025-04-30,610,Medium Risk,335012,19141,7315,16.18,323163,2024-09-20,2024-09-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": 0.53}, {""feature"": ""Month on Book"", ""value"": 0.42}, {""feature"": ""Time since last delinquency"", ""value"": 0.34}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.27}, {""feature"": ""Payment Ratio"", ""value"": 0.22}]"
CUST0097,2025-05-31,135,High Risk,335012,19141,9263,15.22,317999,2024-10-24,2024-10-08,Irregular Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.25}, {""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Month on Book"", ""value"": 0.16}, {""feature"": ""Time since last delinquency"", ""value"": 0.13}, {""feature"": ""Payment Ratio"", ""value"": 0.1}]"
CUST0097,2025-06-30,700,Low Risk,335012,19141,2577,15.84,319619,2024-11-27,2024-11-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.57}, {""feature"": ""Time since last delinquency"", ""value"": 0.46}, {""feature"": ""Month on Book"", ""value"": 0.36}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Credit Utilization"", ""value"": 0.23}]"
CUST0097,2025-07-31,181,High Risk,335012,19141,0,15.95,323868,,2024-12-08,Non Payer,180+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.31}, {""feature"": ""Month on Book"", ""value"": 0.25}, {""feature"": ""Payment Ratio"", ""value"": 0.2}, {""feature"": ""Credit Utilization"", ""value"": 0.16}, {""feature"": ""Time since last delinquency"", ""value"": 0.13}]"
CUST0097,2025-08-31,614,Medium Risk,335012,19141,0,15.08,327937,,2025-01-08,Non Payer,0-30,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.35}, {""feature"": ""Payment Ratio"", ""value"": 0.28}, {""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.18}, {""feature"": ""Month on Book"", ""value"": 0.14}]"
CUST0097,2025-09-28,515,Medium Risk,335012,19141,3135,16.5,329312,2025-02-23,2025-02-08,Irregular Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": 0.45}, {""feature"": ""Time since last delinquency"", ""value"": 0.36}, {""feature"": ""Credit Utilization"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}, {""feature"": ""Month on Book"", ""value"": 0.18}]"
CUST0097,2025-10-31,923,Low Risk,335012,19141,8069,16.21,325691,2025-04-05,2025-03-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.36}, {""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}, {""feature"": ""Payment Ratio"", ""value"": 0.18}, {""feature"": ""Time since last delinquency"", ""value"": 0.15}]"
CUST0097,2025-11-30,534,Medium Risk,335012,19141,9680,15.84,320310,2025-04-30,2025-04-08,Irregular Payer,240+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Time since last delinquency"", ""value"": 0.35}, {""feature"": ""Credit Utilization"", ""value"": 0.28}, {""feature"": ""Month on Book"", ""value"": 0.22}, {""feature"": ""Payment Ratio"", ""value"": 0.18}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.14}]"
CUST0097,2025-12-31,439,Medium Risk,335012,19141,0,15.46,324437,,2025-05-08,Non Payer,60+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": 0.46}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.37}, {""feature"": ""Month on Book"", ""value"": 0.29}, {""feature"": ""Time since last delinquency"", ""value"": 0.24}, {""feature"": ""Payment Ratio"", ""value"": 0.19}]"
CUST0097,2026-01-31,808,Low Risk,335012,19141,2600,16.54,326309,2025-06-26,2025-06-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.21}, {""feature"": ""Credit Utilization"", ""value"": -0.17}, {""feature"": ""Payment Ratio"", ""value"": -0.13}, {""feature"": ""Month on Book"", ""value"": -0.11}]"
CUST0098,2025-02-28,488,Medium Risk,243078,13781,9908,16.53,236518,2024-07-17,2024-07-08,Late Payer,0-30,Current,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": 0.39}, {""feature"": ""Credit Utilization"", ""value"": 0.31}, {""feature"": ""Payment Ratio"", ""value"": 0.25}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}]"
CUST0098,2025-03-31,418,Medium Risk,243078,13781,1116,15.52,238461,2024-08-30,2024-08-08,Irregular Payer,60+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": -0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.01}, {""feature"": ""Month on Book"", ""value"": -0.01}, {""feature"": ""Credit Utilization"", ""value"": -0.01}, {""feature"": ""Time since last delinquency"", ""value"": -0.0}]"
CUST0098,2025-04-30,591,Medium Risk,243078,13781,0,16.05,241650,,2024-09-08,Non Payer,30+ DPD,Current,Monitor,"[{""feature"": ""Month on Book"", ""value"": -0.33}, {""feature"": ""Time since last delinquency"", ""value"": -0.26}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.21}, {""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.14}]"
CUST0098,2025-05-31,7,High Risk,243078,13781,6175,15.75,238647,2024-10-30,2024-10-08,Irregular Payer,240+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.44}, {""feature"": ""Payment Ratio"", ""value"": 0.35}, {""feature"": ""Credit Utilization"", ""value"": 0.28}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.23}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}]"
CUST0098,2025-06-30,418,Medium Risk,243078,13781,5155,15.72,236618,2024-11-21,2024-11-08,Irregular Payer,150+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Credit Utilization"", ""value"": 0.2}, {""feature"": ""Time since last delinquency"", ""value"": 0.16}, {""feature"": ""Payment Ratio"", ""value"": 0.13}, {""feature"": ""Month on Book"", ""value"": 0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.08}]"
CUST0098,2025-07-31,267,High Risk,243078,13781,6990,16.71,232923,2024-12-26,2024-12-08,Irregular Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.48}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.38}, {""feature"": ""Month on Book"", ""value"": 0.31}, {""feature"": ""Time since last delinquency"", ""value"": 0.25}, {""feature"": ""Credit Utilization"", ""value"": 0.2}]"
CUST0098,2025-08-31,626,Medium Risk,243078,13781,4337,15.55,231604,2025-02-01,2025-01-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Time since last delinquency"", ""value"": 0.52}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.42}, {""feature"": ""Payment Ratio"", ""value"": 0.33}, {""feature"": ""Credit Utilization"", ""value"": 0.27}, {""feature"": ""Month on Book"", ""value"": 0.21}]"
CUST0098,2025-09-28,423,Medium Risk,243078,13781,0,16.1,234712,,2025-02-08,Non Payer,210+ DPD,Delinquent,Payment reminder call,"[{""feature"": ""Payment Ratio"", ""value"": 0.07}, {""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.04}, {""feature"": ""Time since last delinquency"", ""value"": 0.03}]"
CUST0098,2025-10-31,494,Medium Risk,243078,13781,0,15.36,237716,,2025-03-08,Non Payer,210+ DPD,Delinquent,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": -0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.11}, {""feature"": ""Time since last delinquency"", ""value"": -0.09}, {""feature"": ""Payment Ratio"", ""value"": -0.07}, {""feature"": ""Credit Utilization"", ""value"": -0.06}]"
CUST0098,2025-11-30,568,Medium Risk,243078,13781,6641,15.97,234239,2025-04-26,2025-04-08,Irregular Payer,30+ DPD,Delinquent,Monitor,"[{""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}, {""feature"": ""Credit Utilization"", ""value"": 0.01}]"
CUST0098,2025-12-31,792,Low Risk,243078,13781,2951,16.41,234491,2025-06-04,2025-05-08,Irregular Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": 0.53}, {""feature"": ""Month on Book"", ""value"": 0.42}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.34}, {""feature"": ""Credit Utilization"", ""value"": 0.27}, {""feature"": ""Payment Ratio"", ""value"": 0.22}]"
CUST0098,2026-01-31,765,Low Risk,243078,13781,4513,15.46,232999,2025-06-11,2025-06-08,On Time,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.02}, {""feature"": ""Payment Ratio"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.01}]"
CUST0099,2025-02-28,346,High Risk,286518,20064,0,16.6,290481,,2024-07-08,Non Payer,150+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": 0.22}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}, {""feature"": ""Month on Book"", ""value"": 0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.11}, {""feature"": ""Payment Ratio"", ""value"": 0.09}]"
CUST0099,2025-03-31,713,Low Risk,286518,20064,7375,16.37,287069,2024-08-13,2024-08-08,Late Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.6}, {""feature"": ""Month on Book"", ""value"": 0.48}, {""feature"": ""Time since last delinquency"", ""value"": 0.38}, {""feature"": ""Credit Utilization"", ""value"": 0.31}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.25}]"
CUST0099,2025-04-30,987,Low Risk,286518,20064,3381,16.27,287580,2024-10-04,2024-09-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.33}, {""feature"": ""Payment Ratio"", ""value"": -0.26}, {""feature"": ""Month on Book"", ""value"": -0.21}, {""feature"": ""Time since last delinquency"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.14}]"
CUST0099,2025-05-31,482,Medium Risk,286518,20064,2049,16.85,289569,2024-10-10,2024-10-08,On Time,0-30,Current,Payment reminder email,"[{""feature"": ""Month on Book"", ""value"": 0.31}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.25}, {""feature"": ""Time since last delinquency"", ""value"": 0.2}, {""feature"": ""Payment Ratio"", ""value"": 0.16}, {""feature"": ""Credit Utilization"", ""value"": 0.13}]"
CUST0099,2025-06-30,269,High Risk,286518,20064,1618,15.44,291677,2024-11-27,2024-11-08,Irregular Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Month on Book"", ""value"": -0.36}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.29}, {""feature"": ""Credit Utilization"", ""value"": -0.23}, {""feature"": ""Time since last delinquency"", ""value"": -0.18}, {""feature"": ""Payment Ratio"", ""value"": -0.15}]"
CUST0099,2025-07-31,741,Low Risk,286518,20064,9536,15.77,285974,2024-12-27,2024-12-08,Irregular Payer,240+ DPD,Delinquent,No Action Required,"[{""feature"": ""Time since last delinquency"", ""value"": -0.25}, {""feature"": ""Payment Ratio"", ""value"": -0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.16}, {""feature"": ""Credit Utilization"", ""value"": -0.13}, {""feature"": ""Month on Book"", ""value"": -0.1}]"
CUST0099,2025-08-31,293,High Risk,286518,20064,0,16.42,289887,,2025-01-08,Non Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.11}, {""feature"": ""Time since last delinquency"", ""value"": -0.09}, {""feature"": ""Payment Ratio"", ""value"": -0.07}, {""feature"": ""Month on Book"", ""value"": -0.06}]"
CUST0099,2025-09-28,58,High Risk,286518,20064,9099,16.89,284868,2025-02-28,2025-02-08,Irregular Payer,120+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Month on Book"", ""value"": 0.56}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.45}, {""feature"": ""Time since last delinquency"", ""value"": 0.36}, {""feature"": ""Credit Utilization"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.23}]"
CUST0099,2025-10-31,449,Medium Risk,286518,20064,0,15.02,288434,,2025-03-08,Non Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.06}, {""feature"": ""Month on Book"", ""value"": 0.05}, {""feature"": ""Time since last delinquency"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.02}]"
CUST0099,2025-11-30,292,High Risk,286518,20064,0,15.39,292133,,2025-04-08,Non Payer,30+ DPD,Current,Downgrade Account,"[{""feature"": ""Payment Ratio"", ""value"": 0.18}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.12}, {""feature"": ""Month on Book"", ""value"": 0.09}, {""feature"": ""Credit Utilization"", ""value"": 0.07}]"
CUST0099,2025-12-31,522,Medium Risk,286518,20064,3776,16.03,292259,2025-05-27,2025-05-08,Irregular Payer,30+ DPD,Current,Payment reminder email,"[{""feature"": ""Payment Ratio"", ""value"": 0.22}, {""feature"": ""Credit Utilization"", ""value"": 0.18}, {""feature"": ""Time since last delinquency"", ""value"": 0.14}, {""feature"": ""Month on Book"", ""value"": 0.11}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.09}]"
CUST0099,2026-01-31,690,Low Risk,286518,20064,1004,15.07,294926,2025-06-28,2025-06-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.45}, {""feature"": ""Credit Utilization"", ""value"": 0.36}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.29}, {""feature"": ""Payment Ratio"", ""value"": 0.23}, {""feature"": ""Time since last delinquency"", ""value"": 0.18}]"
CUST0100,2025-02-28,282,High Risk,102546,5572,7474,16.56,96487,2024-07-29,2024-07-08,Irregular Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": 0.44}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.35}, {""feature"": ""Month on Book"", ""value"": 0.28}, {""feature"": ""Payment Ratio"", ""value"": 0.23}, {""feature"": ""Credit Utilization"", ""value"": 0.18}]"
CUST0100,2025-03-31,415,Medium Risk,102546,5572,0,16.17,97787,,2024-08-08,Non Payer,30+ DPD,Current,Payment reminder call,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.06}, {""feature"": ""Payment Ratio"", ""value"": 0.05}, {""feature"": ""Month on Book"", ""value"": 0.04}, {""feature"": ""Credit Utilization"", ""value"": 0.03}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}]"
CUST0100,2025-04-30,15,High Risk,102546,5572,2477,16.47,96652,2024-10-07,2024-09-08,Irregular Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Time since last delinquency"", ""value"": 0.1}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.08}, {""feature"": ""Credit Utilization"", ""value"": 0.06}, {""feature"": ""Payment Ratio"", ""value"": 0.05}, {""feature"": ""Month on Book"", ""value"": 0.04}]"
CUST0100,2025-05-31,562,Medium Risk,102546,5572,0,15.57,97906,,2024-10-08,Non Payer,150+ DPD,Delinquent,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": 0.39}, {""feature"": ""Time since last delinquency"", ""value"": 0.31}, {""feature"": ""Month on Book"", ""value"": 0.25}, {""feature"": ""Payment Ratio"", ""value"": 0.2}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.16}]"
CUST0100,2025-06-30,936,Low Risk,102546,5572,5530,16.17,93695,2024-12-04,2024-11-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Credit Utilization"", ""value"": 0.51}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.41}, {""feature"": ""Month on Book"", ""value"": 0.33}, {""feature"": ""Time since last delinquency"", ""value"": 0.26}, {""feature"": ""Payment Ratio"", ""value"": 0.21}]"
CUST0100,2025-07-31,231,High Risk,102546,5572,7618,16.21,87343,2024-12-22,2024-12-08,Irregular Payer,0-30,Current,Downgrade Account,"[{""feature"": ""Time since last delinquency"", ""value"": -0.08}, {""feature"": ""Payment Ratio"", ""value"": -0.06}, {""feature"": ""Month on Book"", ""value"": -0.05}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.04}, {""feature"": ""Credit Utilization"", ""value"": -0.03}]"
CUST0100,2025-08-31,588,Medium Risk,102546,5572,9294,15.01,79141,2025-01-21,2025-01-08,Irregular Payer,0-30,Current,Monitor,"[{""feature"": ""Credit Utilization"", ""value"": 0.15}, {""feature"": ""Month on Book"", ""value"": 0.12}, {""feature"": ""Payment Ratio"", ""value"": 0.1}, {""feature"": ""Time since last delinquency"", ""value"": 0.08}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.06}]"
CUST0100,2025-09-28,109,High Risk,102546,5572,0,16.12,80205,,2025-02-08,Non Payer,60+ DPD,Delinquent,Debt Relief Plan,"[{""feature"": ""Debt to Income Ratio"", ""value"": 0.06}, {""feature"": ""Credit Utilization"", ""value"": 0.05}, {""feature"": ""Time since last delinquency"", ""value"": 0.04}, {""feature"": ""Month on Book"", ""value"": 0.03}, {""feature"": ""Payment Ratio"", ""value"": 0.02}]"
CUST0100,2025-10-31,301,High Risk,102546,5572,9409,15.68,71844,2025-04-02,2025-03-08,Irregular Payer,30+ DPD,Delinquent,Downgrade Account,"[{""feature"": ""Debt to Income Ratio"", ""value"": -0.34}, {""feature"": ""Month on Book"", ""value"": -0.27}, {""feature"": ""Time since last delinquency"", ""value"": -0.22}, {""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.14}]"
CUST0100,2025-11-30,979,Low Risk,102546,5572,0,15.52,72773,,2025-04-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": -0.17}, {""feature"": ""Credit Utilization"", ""value"": -0.14}, {""feature"": ""Time since last delinquency"", ""value"": -0.11}, {""feature"": ""Month on Book"", ""value"": -0.09}, {""feature"": ""Debt to Income Ratio"", ""value"": -0.07}]"
CUST0100,2025-12-31,832,Low Risk,102546,5572,8254,16.59,65525,2025-05-30,2025-05-08,Irregular Payer,0-30,Current,No Action Required,"[{""feature"": ""Payment Ratio"", ""value"": 0.42}, {""feature"": ""Credit Utilization"", ""value"": 0.34}, {""feature"": ""Month on Book"", ""value"": 0.27}, {""feature"": ""Time since last delinquency"", ""value"": 0.22}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.17}]"
CUST0100,2026-01-31,989,Low Risk,102546,5572,0,15.75,66385,,2025-06-08,Non Payer,30+ DPD,Current,No Action Required,"[{""feature"": ""Month on Book"", ""value"": 0.02}, {""feature"": ""Time since last delinquency"", ""value"": 0.02}, {""feature"": ""Credit Utilization"", ""value"": 0.01}, {""feature"": ""Debt to Income Ratio"", ""value"": 0.01}, {""feature"": ""Payment Ratio"", ""value"": 0.01}]"