ngirimana/decision-trees-and-random-forest-

For this project we will be exploring publicly available data from [LendingClub.com](www.lendingclub.com). Lending Club connects people who need money (borrowers) with people who have money (investors). Hopefully, as an investor you would want to invest in people who showed a profile of having a high probability of paying you back. We will try to create a model that will help predict this. Lending club had a [very interesting year in 2016](https://en.wikipedia.org/wiki/Lending_Club#2016), so let's check out some of their data and keep the context in mind. This data is from before they even went public. We will use lending data from 2007-2010 and be trying to classify and predict whether or not the borrower paid back their loan in full. You can download the data from [here](https://www.lendingclub.com/info/download-data.action) or just use the csv already provided. It's recommended you use the csv provided as it has been cleaned of NA values. Here are what the columns represent: * credit.policy: 1 if the customer meets the credit underwriting criteria of LendingClub.com, and 0 otherwise. * purpose: The purpose of the loan (takes values "credit_card", "debt_consolidation", "educational", "major_purchase", "small_business", and "all_other"). * int.rate: The interest rate of the loan, as a proportion (a rate of 11% would be stored as 0.11). Borrowers judged by LendingClub.com to be more risky are assigned higher interest rates. * installment: The monthly installments owed by the borrower if the loan is funded. * log.annual.inc: The natural log of the self-reported annual income of the borrower. * dti: The debt-to-income ratio of the borrower (amount of debt divided by annual income). * fico: The FICO credit score of the borrower. * days.with.cr.line: The number of days the borrower has had a credit line. * revol.bal: The borrower's revolving balance (amount unpaid at the end of the credit card billing cycle). * revol.util: The borrower's revolving line utilization rate (the amount of the credit line used relative to total credit available). * inq.last.6mths: The borrower's number of inquiries by creditors in the last 6 months. * delinq.2yrs: The number of times the borrower had been 30+ days past due on a payment in the past 2 years. * pub.rec: The borrower's number of derogatory public records (bankruptcy filings, tax liens, or judgments).