{
  "fetched_at": "2026-10-20T07:55:55Z",
  "source_url": "https://www.kaggle.com/competitions/credit-scoring-utiva-challenge/data",
  "pages": [
    {
      "name": "data-description",
      "content": "\n<h2>File descriptions</h2>\n<ul>\n<li><strong>train.csv</strong> - the training set</li>\n<li><strong>test.csv</strong> - the test set</li>\n<li><strong>sampleSubmission.csv</strong> - a sample submission file in the correct format</li>\n</ul>\n",
      "isPublished": false,
      "hasIsPublished": false,
      "postTitle": "",
      "hasPostTitle": false,
      "mimeType": "",
      "hasMimeType": false
    },
    {
      "name": "Description",
      "content": "<p>Welcome to the credit scoring challenge on Utiva</p>\n\n<h2>What is credit scoring </h2>\n<p>Credit scoring is a statistical analysis performed by lenders and financial institutions to determine the creditworthiness of a person or a small, owner-operated business. Credit scoring is used by lenders to help decide whether to extend or deny credit. A credit score can impact many financial transactions, including mortgages, auto loans, credit cards, and private loans.</p>",
      "isPublished": false,
      "hasIsPublished": false,
      "postTitle": "",
      "hasPostTitle": false,
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    },
    {
      "name": "Evaluation",
      "content": "<p>The evaluation pages describes how submissions will be scored and how students should format their submissions. You don't need a sub-title at the top (the page title appears above). For an example of a high quality evaluation page, see the 2013 KDD Cup page, which we have copied here:</p>\n<hr>\n<p>The evaluation metric for this competition is <a href=\"https://www.kaggle.com/wiki/MeanFScore\"> Mean F1-Score</a>. The F1 score, commonly used in information retrieval, measures accuracy using the statistics precision p and recall r. Precision is the ratio of true positives (tp) to all predicted positives (tp + fp). Recall is the ratio of true positives to all actual positives (tp + fn). The F1 score is given by:</p>\n<p>\\[ F1 = 2\\frac{p \\cdot r}{p+r}\\ \\ \\mathrm{where}\\ \\ p = \\frac{tp}{tp+fp},\\ \\ r = \\frac{tp}{tp+fn} \\]</p>\n<p>The F1 metric weights recall and precision equally, and a good retrieval algorithm will maximize both precision and recall simultaneously. Thus, moderately good performance on both will be favored over extremely good performance on one and poor performance on the other.</p>\n",
      "isPublished": false,
      "hasIsPublished": false,
      "postTitle": "",
      "hasPostTitle": false,
      "mimeType": "",
      "hasMimeType": false
    },
    {
      "name": "rules",
      "content": "This is a page where you can include rules that participants must accept before joining. You may wish to include rules like:\n\n - Don't cheat!\n - Apply yourself!\n - Have fun!",
      "isPublished": false,
      "hasIsPublished": false,
      "postTitle": "",
      "hasPostTitle": false,
      "mimeType": "",
      "hasMimeType": false
    }
  ]
}