Hi all,
We are developing a behavioral credit scorecard and we are not sure about including the data (Default_Flag = 1) for the same customer for different yearmonths.
For example, tihs customer defaults on 201505 and I’m including the same customer to my dataset with default flag =1 for five times.
Is it true or do I have to choose one default_flag =1 observation randomly?
Customer_ID | Year_Month | Default_Flag |
101 | 201501 | 0 |
101 | 201502 | 0 |
101 | 201503 | 0 |
101 | 201504 | 0 |
101 | 201505 | 1 |
101 | 201506 | 1 |
101 | 201507 | 1 |
101 | 201508 | 1 |
101 | 201509 | 1 |
Any ideas would be appreciated 🙂
Many thanks,
Onur