{
  "id": 482930,
  "title": "Confused by the features versus the description?",
  "url": "/competitions/home-credit-credit-risk-model-stability/discussion/482930",
  "author_name": "",
  "post_date": "2024-03-10T05:31:21.817794300Z",
  "votes": null,
  "comment_count": 1,
  "views": 0,
  "content": "<p>\"The absence of a credit history might mean a lot of things, including young age or a preference for cash. Without traditional data, someone with little to no credit history is likely to be denied.\"<br>\nBut in this dataset, it seems that we still focus on the features mostly describing the credit history of the applicant?? so what good would it do to those who are lack of credit history? 🤔️</p>",
  "messages": [
    {
      "id": "2689739",
      "postDate": "03/10/2024 05:31:21",
      "content": "<p>\"The absence of a credit history might mean a lot of things, including young age or a preference for cash. Without traditional data, someone with little to no credit history is likely to be denied.\"<br>\nBut in this dataset, it seems that we still focus on the features mostly describing the credit history of the applicant?? so what good would it do to those who are lack of credit history? 🤔️</p>",
      "rawMarkdown": "\"The absence of a credit history might mean a lot of things, including young age or a preference for cash. Without traditional data, someone with little to no credit history is likely to be denied.\"\nBut in this dataset, it seems that we still focus on the features mostly describing the credit history of the applicant?? so what good would it do to those who are lack of credit history? 🤔️",
      "votes": null
    },
    {
      "id": "2691389",
      "postDate": "03/11/2024 07:55:01",
      "content": "<p>Data sample contains most of data we use for evaluation, obviously for clients with credit history more data is available. But still there are plenty of clients with no or very limited credit history in data sample.</p>",
      "rawMarkdown": "Data sample contains most of data we use for evaluation, obviously for clients with credit history more data is available. But still there are plenty of clients with no or very limited credit history in data sample.",
      "votes": null
    }
  ],
  "comments": [
    {
      "id": 2691389,
      "author_name": "tomasjeline2",
      "author_url": "",
      "post_date": "03/11/2024 07:55:01",
      "content": "<p>Data sample contains most of data we use for evaluation, obviously for clients with credit history more data is available. But still there are plenty of clients with no or very limited credit history in data sample.</p>",
      "votes": null,
      "replies": []
    }
  ],
  "raw_markdown_by_id": {
    "2689739": "\"The absence of a credit history might mean a lot of things, including young age or a preference for cash. Without traditional data, someone with little to no credit history is likely to be denied.\"\nBut in this dataset, it seems that we still focus on the features mostly describing the credit history of the applicant?? so what good would it do to those who are lack of credit history? 🤔️",
    "2691389": "Data sample contains most of data we use for evaluation, obviously for clients with credit history more data is available. But still there are plenty of clients with no or very limited credit history in data sample."
  },
  "source": "meta"
}