Checking status
1 = LT 0 DM
2 = 0 - 200DM
3 = >200 DM
4 = NO CHKG

Account status
1 = No debt history
2 = No current debt
3 = Payments current
4 = Payments delayed
5 = Critical account

Reason for loan
1 = NEW CAR
2 = USD CAR
3 = FURN
4 = RAD/TV
5 = APPL
6 = REPAIR
7 = EDUCATION
8 = VACATION
9 = RETRAIN
10 = BUSINESS
33 = OTHER

Saving plus bonds
1 = LT 100DM
2 = 100 - 500DM
3 = 500-IK DM
4 = > 1K DM
5 = UNK/NA

Length employed
1 = LT 1YR
2 = 1-4 YRS
3 = 4-7 YRS
4 = GT 7 YRS
5 = UNEMP

Personal status
1 = M DIV/SEP
2 = F DIV/SEP/MAR
3 = M SINGLE
4 = M MAR
5 = F SINGLE

Other debtors
1 = NONE
2 = CO-APP
3 = GURANTOR

Property owner
1 = Real Estate
2 = BLD SAV/LIFE INS
3 = CAR OR OTHER
4 = Unknown/None

Other installment debts
1 = BANK
2 = STORES
3 = NONE

Housing
1 = RENT
2 = OWN
3 = FREE

Employment type
1 = UEMP/ UNSKL NR
2 = UNSKL RESIDENT
3 = SKL EMP/OFFICIAL
4 = MGT / SELF-EMP

Telephone indicator
0 = NO
1 = YES