[R] Probability(Markov chain transition matrix)

[Maria Gu]

Hello, My name is Maria, MBA student in Sanfransisco, USA.
In my credit scoring class, I have hard time making "transition matrix", 
which explains probability especially in relation to "Markov chain model". 
It is regarding people's monthly credit payment behavior. Does R have 
function to caculate it? I am actually a novice in using 'R'. Please help 
me!!!

Maria Gu