pensions, rent, etc.) and zero if they do not receive any income in this way; (2) Payment_Dom adopts the value 1 if regular payments are made through direct debit and 0 otherwise and (3) Fre_Transf_emi, adopts the value 1 if transfers are made frequently and 0 if they are made sporadically or are not made and (4) Credit_Line is equal to 1 if you maintain a line or credit account with a bank which you can have according to your needs with an established limit and 0 otherwise.