1) Need to use Regularized Logistic Regression in R.

This is not working so far

DTI Ratio

NSF: Not Sufficient Fund

Avg NSF: Average NSF

Delinquency

Last Delinquency Flag: Had the borrower had any past delinquencies

No. of Times 90 Days Late: No. of times borrower has been 90 or more days past due on the EMI

Info about the company: Financial Statement, Value of Fixed assets, facility on the lease or owned