You talk like a delinquent
This is interesting. Not sure how robust the finding is, but according to an analysis [link to http://www.iq.harvard.edu/blog/sss/archives/2008/10/credit_scoring.shtml no longer works] of LendingClub data on all past loans [link to https://www.lendingclub.com/extdata/LoanStats.csv no longer works], including descriptions of the use for the money, applicants using certain words in their descriptions are much more likely to default.
For our purposes define a Delinquency as either being late in your payments or having defaulted completely. The 10 words with the greatest p-values are below. […]
Word Loans With P(Delinquency|No word) P(Delinquency|Word) p-value also need business live already other bills bill interest
“Words and Credit Scores”, Social Science Statistics Blog [link to http://www.iq.harvard.edu/blog/sss/archives/2008/10/credit_scoring.shtml no longer works]
Not something I’ve studied, but I wonder if a neural network could successfully classify these loans?
You should be able to use an off-the-shelf Baysian spam classifier for this. That said, there are certain spam words with much higher P-values than any of these!
“I need the loan to refinance my mortgage and buy Viagra”
:^)
You have obviously been using my patent p-value enlargement products 🙂