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Survival designs with time-varying covariates (TVCs) are greatly used in the literature on credit history risk prediction. However, when these covariates are endogenous, the inclusion method has long been limited to tactics for instance lagging these variables or dealing with them as exogenous. That brings about achievable biased estimators (with r
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We propose a different dynamic modeling framework for credit score possibility assessment that extends the prevailing credit history scoring products constructed upon historical knowledge static options. The driving plan mimics the theory of films, by composing the design by using a sequence of snapshots, rather than a single photograph. In doing t