The Analytic Free Dataset contains sample records that represent the full dataset in terms of data types, organization, and fields. Please note that this is not real production data, subscribe to Analytic Dataset full version to get 100% production data.

This dataset provides granular, loan-level data across credit cycles and asset classes, including auto, credit card, mortgage, student loans, and unsecured personal loans to more accurately predict future performance. The full dataset is created from an unbiased ten percent statistical sample of the U.S. credit active population across all geographic boundaries, with historic data starting in 2005.

It provides insights into the credit health and payment performance of U.S. consumers over time and across various economic cycles, enabling investors and other market participants to better model delinquency, default, loss severity and prepayment as well as more accurately value securities.

**Fields Included:**

- Credit risk score

- Age range

- Geography

- Account type

- Debt balance

- Delinquency status

The Analytic dataset data dictionary can be downloaded from [here](https://assets.equifax.com/mkt-legal/Analytic_Dataset_Layout_DaaS.xlsx)

**Use Cases:**

**Attribution Analysis**

Model across asset classed such as auto, credit card, mortgage and unsecured personal loans

**Quantitative Analysis**

Fixed Income Modeling, Securitization, Valuation of Whole Loan Pools, Regulatory Risk Modeling, CCAR, Macro Economic Analysis, Systemic Equity Trading, Priority of Payments, Analysis of Esoteric Lending, Default and Prepayment Analytics, Demographic Changes, Credit Score Calibration, Loan Servicing and Consumer Credit Trends.

**Risk Analysis**

Model and predict delinquency, default, loss severity, and prepayment

**Disclaimer:** The information in this data set is fictitious, should be treated as such, and should be used only for testing purposes. Information in the data set does not represent any known business or consumer.