Defaulters prediction on next cycle

I have data of loan installment repayments by customers, it contains all regular details like loan amount, last installment paid amount, next installments, credit score, age, region etc.

Along with all above details i have label on each customer as delinquent/non delinquent. But the delinq or non-delinq labeling has been done based on if customer paid for this month or not?

Now i am trying to predict that who will be the customers from the remaining data(who are non-delinquent this month) may turn delinquent next month.

My question is : 1) What is the best method to solve this problem? 2) To achieve best results, i can get the data image for past 12 Months(If time component to be used.)

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