Build Credit Scoring Model in real dataset; Exploratory analysis dataset with hidden features; Using WOE method for explaining features which strongly contributes to output. This rar contains a train.csv, an excel file refering to list of 63 province of Vietnam and a notebook for analyzing data. The notebook analyzes data through 4 steps: preprocessing data, EDA, Cleaning data, Build Final Model. Dataset is from a challenge named 'Kalapa Credit Scoring Challenge 2020'.