{
  "as_of": "2024-10-01",
  "by_vintage": [
    {
      "loans": 80,
      "psi": 0.071644,
      "vintage": "2024-07"
    },
    {
      "loans": 80,
      "psi": 0.131014,
      "vintage": "2024-08"
    },
    {
      "loans": 80,
      "psi": 0.220251,
      "vintage": "2024-09"
    },
    {
      "loans": 80,
      "psi": 0.082028,
      "vintage": "2024-10"
    }
  ],
  "current_loans": 320,
  "current_window": [
    "2024-07-01",
    "2024-12-31"
  ],
  "data_kind": "synthetic",
  "effective_bins": 10,
  "kind": "label_free_score_monitor",
  "project": "CreditVintage",
  "psi": 0.040825,
  "reference_loans": 480,
  "reference_window": [
    "2023-07-01",
    "2023-12-31"
  ],
  "requested_bins": 10,
  "score": "raw logistic probability; calibrator trained before test applications",
  "smoothing_per_bin": 0.5
}