Creditbase Research

Built to be checked.

Creditbase publishes the schemas, definitions, benchmarks and model cards behind the platform, so academics, practitioners and critics can test the claims rather than take them on trust.

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Point-in-time first

Serious credit research needs one thing most datasets can’t provide: knowing exactly what was observable on the date a decision could have been made. Creditbase preserves every source event with its arrival time, effective date and superseded history, so a backtest runs against the record as it stood, not as it looks now.

What we publish

The canonical company-event schema
Feature definitions and data lineage
A baseline public-distress model
Model cards with known limitations
Benchmark methodology and out-of-time results
Reproducible research notebooks

Open scrutiny is the strategy

Bureau scores are black boxes you are asked to trust. Our answer is the opposite: publish the method, publish the limits, and invite challenge. We are recruiting an academic advisory group and plan an annual UK private-company credit-risk benchmark.