Credit Expenditure

DR 		= Number of derogatory reports
Age 		= Age in years+ 12ths of a year,
Income 		= Income, divided by 10,000 ,
Credit 		= Avg. monthly credit card expenditure,
Ownrent 		= OwnRent, individual owns (1) or rents (0) home.
Selfemp 		= Self employed (1=yes, 0=no)