{
  "id": 475245,
  "title": "Data clarity required",
  "url": "/competitions/home-credit-credit-risk-model-stability/discussion/475245",
  "author_name": "",
  "post_date": "2024-02-07T16:05:18.111423700Z",
  "votes": 3,
  "comment_count": 1,
  "views": 0,
  "content": "<p>Are we to assume that all the customers provided in the training set are already mortgage or housing loan holders? Or is the purpose of this model to determine housing loan credit risk for new to credit customers (no loans at all, just applications/enquiries)</p>",
  "messages": [
    {
      "id": "2641684",
      "postDate": "02/07/2024 16:05:18",
      "content": "<p>Are we to assume that all the customers provided in the training set are already mortgage or housing loan holders? Or is the purpose of this model to determine housing loan credit risk for new to credit customers (no loans at all, just applications/enquiries)</p>",
      "rawMarkdown": "Are we to assume that all the customers provided in the training set are already mortgage or housing loan holders? Or is the purpose of this model to determine housing loan credit risk for new to credit customers (no loans at all, just applications/enquiries)",
      "votes": null
    },
    {
      "id": "2641885",
      "postDate": "02/07/2024 18:22:27",
      "content": "<p>Hi <a href=\"https://www.kaggle.com/dijorajsenroy\" target=\"_blank\">@dijorajsenroy</a> ! The model is designed for both new and existing customers.</p>",
      "rawMarkdown": "Hi @dijorajsenroy ! The model is designed for both new and existing customers.",
      "votes": null
    }
  ],
  "comments": [
    {
      "id": 2641885,
      "author_name": "bratkovskyevgeny",
      "author_url": "",
      "post_date": "02/07/2024 18:22:27",
      "content": "<p>Hi <a href=\"https://www.kaggle.com/dijorajsenroy\" target=\"_blank\">@dijorajsenroy</a> ! The model is designed for both new and existing customers.</p>",
      "votes": null,
      "replies": []
    }
  ],
  "raw_markdown_by_id": {
    "2641684": "Are we to assume that all the customers provided in the training set are already mortgage or housing loan holders? Or is the purpose of this model to determine housing loan credit risk for new to credit customers (no loans at all, just applications/enquiries)",
    "2641885": "Hi @dijorajsenroy ! The model is designed for both new and existing customers."
  },
  "source": "meta"
}