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
77
269
15
54
10
0
0
100
-7
7
8
11
0
60
0
1
1
27
75
2
2
1
80
1yes
59
207
6
68
16
0
0
82
2
4
6
17
2
29
0
2
2
32
-8
5
2
2
64
1yes
85
387
79
223
9
0
0
100
-7
7
8
11
0
0
0
0
0
34
-8
3
-8
0
60
0no
76
10
2
7
2
0
0
100
-7
7
8
3
3
67
0
1
1
0
-8
0
1
-8
50
1yes
60
236
11
94
19
3
2
90
6
3
5
21
1
40
0
0
0
107
31
1
2
1
60
1yes
64
302
0
59
17
1
1
100
-7
7
8
19
3
50
0
2
2
82
93
4
2
2
86
1yes
76
143
6
75
14
0
0
100
-7
7
8
14
1
36
0
1
1
67
92
1
2
1
50
0no
59
68
7
33
17
0
0
100
-7
7
8
17
3
12
0
3
3
73
-8
8
1
5
67
1yes
69
148
11
62
20
0
0
100
-7
7
8
20
1
55
0
0
0
83
26
2
5
1
100
1yes
83
193
9
94
24
0
0
100
-7
7
8
24
1
42
-7
0
0
34
47
2
5
0
80
0no
62
-8
6
66
12
2
0
79
10
4
5
14
2
36
-7
1
1
44
-8
1
1
1
33
1yes
58
165
8
70
28
2
1
83
3
1
3
31
1
40
-7
0
0
73
38
7
7
3
84
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
75
131
11
73
12
1
1
92
19
6
2
13
1
46
-7
0
0
0
-8
0
1
-8
33
0no
68
247
48
117
20
2
2
95
59
0
6
20
0
15
-7
0
0
13
-8
4
2
0
47
1yes
76
230
15
77
25
0
0
92
1
4
6
25
0
20
-7
0
0
6
83
2
2
0
57
0no
85
83
18
50
20
0
0
100
-7
7
8
20
0
50
-7
1
1
5
58
1
4
0
50
0no
67
171
7
23
23
0
0
100
-7
7
8
23
4
13
-7
1
1
65
92
12
2
4
79
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
219
5
101
35
0
0
100
-7
5
7
35
1
51
-7
1
1
91
96
3
4
3
78
1yes
78
65
2
28
15
0
0
100
-7
7
8
16
5
44
-7
1
1
3
54
2
3
0
50
1yes
77
383
5
139
37
0
0
100
-7
7
8
38
1
13
-7
2
2
11
16
10
4
0
79
1yes
72
263
6
95
38
0
0
97
32
6
6
38
3
24
-7
0
0
53
35
8
2
2
61
1yes
75
200
1
63
48
0
0
98
25
6
6
53
2
31
-7
1
1
41
-8
3
1
1
36
1yes
56
223
9
71
21
0
0
90
0
4
6
22
2
43
-7
2
2
87
51
5
3
2
100
1yes
69
52
8
28
3
0
0
100
-7
7
8
3
1
67
-7
2
1
95
-8
1
1
-8
100
1yes
68
122
1
45
17
0
0
89
-8
6
6
18
2
33
-7
0
0
62
-8
3
1
1
36
1yes
67
210
2
47
5
1
1
86
57
6
2
7
2
43
-7
1
1
50
75
2
2
0
80
0no
76
228
46
115
22
1
1
92
68
6
2
25
0
28
-7
2
2
43
-8
5
1
0
75
0no
71
176
6
87
16
1
1
94
57
6
2
17
1
35
-7
0
0
70
-8
3
-8
1
75
0no
65
233
2
99
35
0
0
81
5
4
6
36
3
31
-7
1
1
28
56
3
4
1
47
0no
73
159
7
60
16
0
0
94
15
6
6
16
3
44
-7
0
0
72
94
5
2
0
100
1yes
73
241
25
79
19
0
0
100
-7
7
8
20
0
35
-7
0
0
77
-8
3
2
3
83
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
70
256
9
168
35
2
2
86
43
6
4
37
1
14
-7
0
0
53
49
12
1
3
72
0no
68
216
2
84
15
0
0
100
-7
7
8
16
2
19
-7
1
1
86
2
10
2
5
100
1yes
76
229
6
99
22
0
0
100
-7
7
8
22
2
59
-7
1
0
76
79
2
3
1
67
0no
74
319
2
83
24
1
0
88
9
3
5
28
3
37
-7
1
1
6
100
3
2
0
42
0no
68
216
4
65
29
0
0
100
-7
7
8
29
3
38
-7
0
0
52
73
9
6
2
83
1yes
91
455
10
202
11
0
0
100
-7
7
8
11
1
18
-7
1
1
5
-8
1
1
0
33
0no
66
239
4
91
32
1
1
88
28
6
2
34
2
27
-7
1
1
91
-8
7
-8
3
58
1yes
77
276
41
145
19
0
0
100
-7
7
8
19
0
21
-7
1
1
59
36
6
2
1
62
1yes
78
311
5
72
17
0
0
100
-7
7
8
17
3
35
-7
1
1
32
-8
2
2
1
57
0no
58
10
10
10
3
0
0
100
-7
7
8
3
3
100
-7
1
1
-8
86
-8
3
-8
100
0no
81
154
7
62
35
0
0
100
-7
6
7
36
2
17
-7
0
0
4
-8
8
2
0
56
1yes
62
144
6
81
4
5
3
33
17
6
2
9
1
22
-7
0
0
36
59
2
1
0
75
1yes
63
174
0
64
34
2
2
79
6
4
4
38
2
66
-7
4
4
21
90
5
2
1
78
1yes
79
13
4
8
3
0
0
100
-7
7
8
3
2
33
-7
3
3
2
-8
1
1
0
67
1yes
71
206
2
95
19
0
0
90
7
4
6
21
2
38
-7
0
0
42
80
4
2
1
75
1yes
81
268
6
83
12
1
1
92
70
6
4
15
4
23
-7
0
0
19
-8
2
1
1
33
1yes
69
176
8
71
18
0
0
84
11
4
6
19
1
47
-7
1
1
28
81
4
4
0
73
0no
42
179
1
72
50
9
6
69
0
0
2
62
5
53
-7
2
2
92
94
4
5
4
100
1yes
63
213
18
98
4
2
2
100
-7
6
8
4
0
50
-7
0
0
114
-8
1
1
-8
100
1yes
59
132
13
58
20
0
0
75
7
4
6
20
0
35
-7
2
1
94
-8
4
1
2
83
1yes
73
156
4
67
29
0
0
97
30
6
6
29
1
38
-7
3
3
45
22
2
5
2
64
0no
75
119
14
81
20
0
0
95
6
4
6
21
0
55
-7
0
0
27
83
2
2
1
80
0no
89
237
21
148
20
0
0
100
-7
7
8
20
0
10
-7
0
0
3
-8
5
-8
0
56
0no
60
62
1
36
4
0
0
50
6
4
6
6
1
17
-7
2
2
86
-8
2
1
1
75
1yes
90
406
1
146
10
0
0
100
-7
7
8
11
1
36
-7
0
0
0
-8
2
1
-8
60
1yes
67
263
24
75
12
0
0
92
28
6
6
13
0
69
-7
0
0
81
10
3
2
2
100
1yes
81
136
24
63
19
0
0
100
-7
7
8
19
0
21
-7
0
0
42
39
1
2
0
60
0no
88
251
15
89
21
0
0
100
-7
7
8
21
0
48
-7
0
0
3
0
2
2
0
57
0no
83
198
3
53
38
0
0
100
-7
7
8
39
6
8
-7
4
2
4
-8
2
1
0
18
0no
76
153
19
72
20
0
0
100
-7
7
8
20
0
10
-7
1
1
19
-8
2
1
1
25
1yes
77
387
4
123
22
1
1
96
57
6
4
23
1
35
-7
1
1
31
94
7
3
1
83
0no
83
250
3
107
22
0
0
96
48
6
6
24
1
50
-7
1
1
15
64
5
3
0
80
1yes
73
304
18
86
14
1
1
100
-7
7
8
15
0
43
-7
0
0
0
2
1
2
0
43
0no
69
240
15
97
29
0
0
100
-7
7
8
29
0
10
-7
0
0
84
-8
6
1
4
90
0no
80
109
7
58
36
0
0
100
-7
7
8
38
3
14
-7
0
0
7
23
4
2
1
26
0no
64
203
8
70
19
1
0
85
12
6
5
20
1
20
-7
1
1
87
72
7
3
2
100
1yes
86
324
11
132
8
0
0
100
-7
7
8
8
1
38
-7
0
0
39
-8
1
-8
0
33
0no
60
206
9
40
8
2
2
88
-8
6
6
9
2
88
-7
0
0
99
81
1
5
1
100
1yes
88
204
14
86
18
0
0
100
-7
7
8
18
0
17
-7
0
0
3
-8
4
1
0
56
0no
61
67
5
29
14
0
0
93
6
4
6
14
1
29
-7
1
1
73
86
1
2
1
75
0no
56
34
4
15
9
0
0
100
-7
7
8
9
3
67
-7
2
2
100
78
2
5
2
100
1yes
57
42
6
19
10
0
0
90
2
4
6
10
3
20
-7
1
1
17
-8
3
1
1
44
0no
72
202
4
110
18
1
1
100
-7
7
8
22
2
32
-7
0
0
16
92
2
2
0
80
0no
69
51
13
27
8
0
0
88
-7
5
7
8
0
50
-7
2
2
46
81
2
2
1
80
1yes
62
145
2
54
29
6
1
76
16
6
2
38
6
73
-7
0
0
91
85
4
7
0
100
1yes
80
217
70
156
10
0
0
90
14
6
6
10
0
50
-7
0
0
0
-8
0
-8
0
0
0no
71
84
8
40
28
0
0
100
-7
7
8
28
2
25
-7
2
2
23
75
7
4
1
55
0no
64
175
4
107
23
1
1
88
3
4
6
25
1
40
-7
2
2
5
60
1
3
0
33
1yes
66
252
1
121
28
2
2
93
21
6
6
29
1
52
-7
5
5
82
-8
3
2
2
67
0no
63
132
8
65
4
0
0
50
1
4
6
6
1
67
-7
0
0
0
56
0
2
0
75
1yes
81
117
6
54
14
0
0
93
31
6
6
14
3
21
-7
0
0
2
-8
2
1
0
43
1yes
74
192
9
77
28
0
0
100
-7
7
8
28
3
11
-7
0
0
26
-8
5
1
1
60
0no
65
60
18
35
9
0
0
100
-7
7
8
9
0
44
-7
0
0
102
65
5
2
2
100
1yes
70
98
5
59
31
0
0
97
36
6
6
35
3
26
-7
5
5
19
95
4
2
1
50
0no
79
136
9
87
15
0
0
100
-7
7
8
15
1
27
-7
0
0
47
-8
5
1
1
75
0no
78
130
7
54
22
0
0
100
-7
7
8
23
2
30
-7
0
0
24
90
3
3
0
67
0no
77
242
2
86
14
0
0
93
17
6
6
15
1
33
-7
1
1
26
-8
3
2
0
83
0no
80
88
8
48
16
0
0
100
-7
7
8
16
2
25
-7
0
0
3
-8
2
1
0
38
0no
80
190
4
88
30
0
0
100
-7
7
8
32
2
53
-7
0
0
62
41
2
3
0
83
0no
68
103
5
47
36
0
0
100
-7
7
8
36
3
31
-7
1
1
80
80
8
4
5
71
1yes
63
54
25
40
2
0
0
50
22
6
6
2
0
100
-7
4
4
-8
-8
-8
1
-8
100
1yes
81
205
6
86
22
0
0
100
-7
7
8
25
3
39
-7
2
2
46
34
1
2
0
80
1yes
58
149
13
68
31
0
0
91
1
4
6
32
0
34
-7
1
1
62
64
4
5
2
75
1yes
62
232
9
80
31
2
2
84
12
6
6
31
1
23
-7
0
0
20
51
5
4
2
71
0no
68
93
16
59
10
0
0
80
8
4
6
10
0
30
-7
1
1
51
33
1
2
1
50
1yes
67
166
17
65
14
0
0
100
-7
7
8
14
0
36
-7
1
1
66
58
7
4
3
92
1yes