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The inclusion of time-different covariates into survival analysis has led to higher predictions of time to default in behavioural credit score scoring designs. Nevertheless, when these time-different covariates are endogenous, there are two important difficulties: estimation bias with the survival design and not enough a prediction framework for fo
Survival designs with time-different covariates (TVCs) are greatly Employed in the literature on credit history hazard prediction. Nevertheless, when these covariates are endogenous, the inclusion treatment is restricted to tactics such as lagging these variables or treating them as exogenous. That causes doable biased estimators (depending upon th