We suggest a new dynamic modeling framework for credit rating danger assessment that extends the prevailing credit history scoring styles crafted upon historical facts static configurations. The driving concept mimics the theory of films, by composing the product which has a sequence of snapshots, instead of a single photograph. In doing this, the
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Survival designs with time-different covariates (TVCs) are commonly used in the literature on credit history threat prediction. Even so, when these covariates are endogenous, the inclusion treatment continues to be restricted to techniques such as lagging these variables or dealing with them as exogenous. That contributes to doable biased estimator