Datasets:
mstz
/
heloc

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estimate_of_risk
int8
-9
94
months_since_first_trade
int32
-9
803
months_since_last_trade
int32
-9
383
average_duration_of_resolution
int32
-9
383
number_of_satisfactory_trades
int16
-9
79
nr_trades_insolvent_for_over_60_days
int16
-9
19
nr_trades_insolvent_for_over_90_days
int16
-9
19
percentage_of_legal_trades
int16
-9
100
months_since_last_illegal_trade
int32
-9
83
maximum_illegal_trades_over_last_year
int8
-9
9
maximum_illegal_trades
int16
-9
8
nr_total_trades
int16
-9
104
nr_trades_initiated_in_last_year
int16
-9
19
percentage_of_installment_trades
int16
-9
100
months_since_last_inquiry_not_recent
int16
-9
24
nr_inquiries_in_last_6_months
int16
-9
66
nr_inquiries_in_last_6_months_not_recent
int16
-9
66
net_fraction_of_revolving_burden
int32
-9
232
net_fraction_of_installment_burden
int32
-9
471
nr_revolving_trades_with_balance
int16
-9
32
nr_installment_trades_with_balance
int16
-9
23
nr_banks_with_high_ratio
int16
-9
18
percentage_trades_with_balance
int16
-9
100
is_at_risk
class label
2 classes
64
15
3
9
7
0
0
100
-7
7
8
7
5
29
0
6
6
55
75
2
2
0
57
1yes
80
446
20
103
27
0
0
100
-7
7
8
28
0
46
1
2
2
0
10
1
4
1
50
1yes
57
360
6
124
40
3
0
93
2
3
5
44
2
25
7
0
0
60
39
9
3
1
86
1yes
88
363
6
106
22
0
0
100
-7
7
8
23
1
36
5
2
2
1
68
5
3
0
62
1yes
65
176
3
93
40
0
0
100
-7
7
8
45
9
36
2
2
2
81
71
8
6
2
88
1yes
63
142
10
78
16
1
0
76
5
3
5
17
2
47
15
0
0
59
51
3
2
2
83
1yes
55
139
0
46
23
2
1
77
2
0
2
26
4
31
7
0
0
33
65
4
3
0
67
1yes
84
215
8
73
25
1
0
93
38
6
5
27
1
41
20
0
0
0
-8
0
-8
0
17
1yes
68
98
5
54
14
1
1
100
-7
0
8
15
3
13
0
2
2
6
-8
4
-8
0
67
1yes
91
291
7
88
26
0
0
100
-7
7
8
26
2
35
7
0
0
0
-8
3
-8
0
23
1yes
57
134
3
66
36
0
0
97
22
6
6
36
3
25
0
2
2
64
29
11
5
9
71
1yes
61
127
14
53
16
0
0
94
3
4
6
16
0
69
0
1
1
98
64
1
2
-8
75
1yes
75
336
9
98
22
1
0
91
13
6
5
23
1
39
0
0
0
16
91
2
3
0
83
1yes
72
280
22
128
17
1
1
94
-8
6
6
18
0
56
0
0
0
24
-8
2
2
0
57
0no
68
166
3
37
16
0
0
100
-7
7
8
16
5
25
0
5
5
66
87
6
2
2
67
0no
63
102
4
56
5
4
3
38
11
4
3
13
1
38
0
0
0
16
81
1
4
0
83
1yes
70
151
2
79
38
0
0
95
24
6
6
39
1
21
0
1
1
29
84
14
3
2
81
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
76
314
3
170
7
2
1
67
31
6
3
9
1
11
0
2
2
2
-8
2
1
0
43
1yes
71
65
3
31
20
0
0
100
-7
7
8
20
5
20
0
1
1
41
75
4
2
1
50
0no
70
118
7
45
17
0
0
88
11
4
6
17
4
35
0
0
0
15
-8
1
1
0
29
0no
79
104
52
71
2
0
0
100
-7
7
8
3
0
0
0
0
0
21
-8
1
-8
-8
100
1yes
79
130
15
63
12
0
0
92
33
6
6
12
0
42
0
0
0
12
-8
2
1
2
60
1yes
65
399
15
147
11
2
2
80
5
0
2
15
0
7
0
1
1
30
-8
6
-8
0
60
1yes
73
126
2
80
23
1
1
88
12
6
2
25
1
24
0
1
1
25
-8
2
1
0
43
0no
68
217
11
109
24
0
0
88
18
6
6
24
1
17
0
5
4
61
-8
5
1
3
50
0no
86
101
14
56
12
0
0
100
-7
7
8
12
0
42
0
0
0
0
-8
3
1
0
83
0no
73
161
4
73
43
1
1
84
31
6
4
44
1
20
0
8
8
30
91
5
3
1
35
0no
50
54
4
19
16
0
0
94
4
4
6
17
7
29
0
0
0
89
42
4
2
3
75
1yes
89
181
33
75
8
0
0
100
-7
7
8
8
0
25
0
0
0
0
-8
1
1
0
40
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
77
296
6
98
45
0
0
100
-7
7
8
45
1
16
-7
2
2
12
-8
7
1
2
36
0no
73
69
24
42
7
0
0
100
-7
7
8
7
0
14
-7
1
0
54
37
5
1
1
86
1yes
66
216
4
89
27
0
0
100
-7
7
8
27
1
41
-7
5
5
78
69
5
2
3
70
1yes
78
199
7
73
39
0
0
95
22
6
6
40
1
21
-7
1
0
15
19
2
5
1
50
1yes
61
181
20
65
21
0
0
95
16
6
6
21
0
29
-7
2
2
86
85
4
2
3
54
0no
61
174
1
61
25
0
0
88
10
4
6
26
3
12
-7
0
0
41
21
6
2
1
57
1yes
73
176
15
47
14
0
0
100
-7
7
8
14
0
7
-7
0
0
62
-8
7
-8
4
100
1yes
65
205
17
92
6
2
0
50
4
3
5
10
0
20
-7
0
0
14
-8
3
1
1
57
1yes
58
14
1
6
3
0
0
100
-7
7
8
5
4
40
-7
15
15
98
-8
2
2
1
80
0no
83
196
17
84
6
0
0
100
-7
7
8
7
0
0
-7
0
0
14
-8
4
-8
1
100
1yes
88
156
17
140
5
0
0
100
-7
7
8
5
0
20
-7
0
0
20
-8
2
1
0
75
0no
61
117
1
59
19
4
1
83
38
6
5
25
3
46
-7
1
1
76
61
7
2
5
90
0no
71
235
9
142
19
0
0
100
-7
7
8
19
1
0
8
0
0
77
-8
7
-8
6
64
1yes
75
159
7
74
46
0
0
98
-7
5
7
51
6
59
9
0
0
20
88
5
5
0
79
0no
71
227
12
116
15
2
1
78
48
6
4
18
0
28
0
2
2
83
-8
2
1
2
60
0no
55
234
13
83
20
1
0
70
1
3
5
24
0
22
4
3
3
46
24
8
3
2
72
1yes
81
108
2
35
7
1
0
90
37
6
5
10
6
30
2
2
2
0
-8
0
-8
0
14
0no
55
162
19
73
26
2
2
91
3
4
2
33
0
55
16
0
0
79
87
1
9
1
91
1yes
57
188
16
83
13
1
0
79
3
3
5
14
0
29
16
0
0
98
95
3
3
3
86
1yes
59
249
27
119
4
5
4
30
15
5
2
10
0
40
-8
0
0
58
-8
1
1
0
100
1yes
73
266
9
132
21
0
0
96
27
6
6
25
4
26
0
3
3
20
-8
2
2
0
45
0no
88
302
9
105
22
0
0
100
-7
7
8
22
2
23
-8
0
0
2
15
5
2
0
64
0no
64
180
10
62
21
0
0
95
25
6
6
21
2
29
0
7
6
107
-8
2
1
2
75
1yes
66
128
2
45
7
3
2
89
55
0
3
9
1
33
0
4
4
13
88
4
2
0
100
1yes
81
246
12
86
21
0
0
100
-7
7
8
22
0
55
-8
0
0
0
89
0
6
0
43
0no
70
83
7
48
7
1
0
88
40
6
5
8
1
13
2
1
1
38
-8
3
1
0
67
1yes
63
134
14
58
6
1
1
100
-7
6
8
6
0
33
6
0
0
94
100
3
1
1
80
1yes
83
165
7
92
33
0
0
100
-7
7
8
50
1
68
0
1
1
16
85
3
6
0
69
0no
58
20
4
11
4
2
2
88
23
6
4
8
4
88
2
1
1
-8
103
-8
4
-8
100
1yes
76
292
1
110
38
0
0
98
67
6
6
44
3
18
6
0
0
21
96
7
2
2
59
0no
58
254
9
142
31
2
2
82
25
6
6
33
1
67
0
5
5
61
33
2
4
1
88
1yes
77
158
6
67
16
0
0
94
3
4
6
17
2
12
0
2
2
10
91
1
2
0
50
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
75
367
1
118
57
0
0
95
28
6
6
58
3
24
-8
0
0
5
44
4
4
0
41
0no
69
220
7
93
30
0
0
97
2
4
6
30
1
30
1
1
1
14
73
6
2
1
69
0no
70
308
4
77
41
1
1
95
2
0
2
42
3
29
0
2
2
6
78
4
7
1
48
0no
67
106
7
63
24
0
0
100
-7
7
8
24
1
63
7
0
0
51
22
6
7
0
87
0no
84
285
20
84
14
0
0
100
-7
7
8
14
0
14
20
0
0
32
-8
1
1
0
25
0no
62
220
3
79
12
0
0
93
10
4
6
15
1
21
3
1
1
93
-8
4
1
3
83
0no
84
128
7
81
13
0
0
100
-7
7
8
14
1
7
0
3
3
0
93
1
1
0
33
0no
77
145
2
36
7
0
0
100
-7
7
8
8
4
25
3
3
3
42
-8
1
2
0
60
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
85
182
17
96
19
0
0
96
48
6
6
24
0
42
9
0
0
5
-8
2
1
0
75
0no
88
192
2
90
17
0
0
100
-7
7
8
18
1
33
1
2
2
9
66
2
2
0
44
0no
78
310
3
72
40
0
0
100
-7
7
8
41
5
27
10
0
0
46
68
4
4
2
67
0no
71
225
8
131
16
0
0
75
22
6
6
16
1
19
1
1
1
24
-8
8
1
0
90
1yes
67
284
5
84
44
0
0
100
-7
7
8
45
1
27
2
1
1
48
50
11
3
4
70
0no
69
198
3
88
29
0
0
97
43
6
6
32
2
37
1
4
4
61
93
5
3
2
62
0no
70
182
8
103
24
0
0
92
27
6
6
48
1
79
0
2
2
68
-8
3
2
2
83
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes