Here are a few winners: "My name is", "payday", "cashcall", and the best of all.... "I have good credit"
We have a winner! Looking at the description and titles for all loans up through the end of 2007 and words mentioned at least 1000 times, it looks like the word "payday" is the one most associated with failing loans.
Payday was used 1191 times and only 38.9% of loans with the word in the listing ended up being paid. (This compares to a 61.0% repayment rate of all loans.)
'Chance' and 'behind' were the next two words most associated with loans that didn't have a status of 'Paid'
Here's what I see in this loan set:
61.0% of all loans made before the end of 2007 have a status "Paid"
Guarantee: Used 219 times with 60.7% Paid
Guaranteed: Used 249 times with 65.1% Paid
Christian: Used 126 times with 54.0% Paid
Christmas: Used 312 times with 56.4% Paid
Automatic: Used 293 times with 65.5% Paid
Automatically: Used 631 times with 48.8% Paid
Consolidate: Used 2420 times with 58.6% Paid
Consolidation: Used 1685 times with 62.6% Paid
Consolidating: Used 760 times with 63.2% Paid
Consolidated: Used 185 times with 61.4% Paid
Name: Used 2271 times with 49.8% Paid
Cashcall: used 103 times with 41.5% Paid
Need: Used 6385 times with 51.6% Paid
Needed: used 1478 times with 53.3% Paid
Needs: used 1279 times with 51.8% Paid
Needing: used 230 times with 45.8% Paid
Help: Used 7252 times with 51.5% Paid
Helping: Used 1133 times with 53.1% Paid
Debt: used 7743 times with 64.0% Paid
Debts: Used 2190 times with 54.6% Paid
Free: Used 2741 times with 60.8% Paid
