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
86
296
7
112
20
0
0
100
-7
7
8
22
1
41
0
0
0
17
96
2
1
0
33
1yes
65
141
3
59
44
0
0
95
54
5
6
44
5
50
0
4
4
51
67
5
2
3
64
1yes
72
400
3
104
38
0
0
100
-7
7
8
39
5
18
0
0
0
37
3
9
2
3
63
0no
68
348
12
91
34
0
0
100
-7
7
8
34
0
32
0
0
0
78
68
11
4
7
76
0no
80
192
7
72
22
0
0
100
-7
6
8
23
2
39
0
1
1
13
96
2
3
1
63
0no
72
177
0
48
31
0
0
100
-7
7
8
34
7
47
0
12
12
45
93
6
6
2
60
1yes
60
34
6
19
11
0
0
100
-7
7
8
11
2
45
0
4
2
49
95
4
2
1
75
1yes
84
268
10
93
15
0
0
100
-7
7
8
15
1
33
0
1
1
1
50
2
2
0
71
0no
72
160
69
106
9
2
2
100
-7
0
8
11
0
0
0
0
0
3
-8
1
-8
0
11
1yes
73
139
16
61
14
0
0
100
-7
7
8
14
0
14
0
3
3
59
66
6
1
2
78
1yes
80
201
5
94
17
0
0
100
-7
7
8
17
1
24
0
0
0
36
9
4
2
1
43
0no
65
305
4
74
18
6
6
60
12
6
2
25
2
48
0
1
1
8
98
1
2
0
60
1yes
66
150
2
52
22
0
0
92
4
4
6
26
3
15
0
2
2
7
37
4
2
0
40
1yes
76
241
9
80
48
0
0
100
-7
5
8
49
2
20
0
2
2
22
-8
9
-8
1
37
0no
70
284
2
71
18
0
0
100
-7
7
8
19
4
32
0
10
10
31
100
9
6
0
94
0no
69
114
13
57
28
0
0
90
6
4
6
29
0
55
0
0
0
85
58
2
4
1
100
0no
78
143
5
71
60
0
0
100
-7
7
8
61
4
16
0
1
0
12
73
4
2
1
23
0no
57
89
2
48
25
1
1
89
2
4
2
28
3
32
0
1
1
36
55
9
2
1
73
1yes
64
228
5
84
60
0
0
95
23
6
6
60
4
38
0
0
0
35
-8
10
2
3
68
0no
72
21
8
16
3
0
0
100
-7
7
8
3
1
67
0
1
1
4
87
1
2
-8
100
1yes
67
279
3
80
51
0
0
94
13
5
6
52
2
37
0
1
1
45
86
15
4
3
70
0no
60
28
6
19
9
0
0
100
-7
7
8
10
3
20
0
2
2
58
-8
3
1
1
100
1yes
64
58
4
24
2
1
1
67
75
6
4
3
2
67
0
1
1
-8
81
-8
2
-8
100
1yes
89
218
16
95
25
0
0
100
-7
5
8
26
0
38
0
0
0
3
-8
3
1
0
57
0no
83
154
4
57
13
0
0
93
-8
6
6
14
1
43
0
0
0
4
80
1
4
1
45
0no
81
126
2
31
25
0
0
100
-7
7
8
28
9
4
0
5
5
12
-8
6
-8
0
30
1yes
88
286
76
133
4
0
0
100
-7
7
8
5
0
60
0
0
0
9
-8
1
-8
0
100
0no
82
103
67
85
1
0
0
50
62
6
6
3
0
0
0
0
0
0
-8
0
-8
-8
0
1yes
77
141
3
77
29
0
0
100
-7
7
8
31
3
42
0
0
0
33
85
4
2
2
55
1yes
72
195
9
128
16
0
0
78
66
4
6
18
2
50
0
1
1
11
78
4
1
0
83
0no
54
298
5
107
5
7
6
38
2
2
2
13
3
15
0
0
0
44
29
3
2
0
83
1yes
66
122
5
72
17
0
0
94
4
4
6
17
2
24
0
1
1
48
89
3
3
1
50
1yes
84
273
6
119
19
0
0
95
25
6
6
19
1
16
0
2
2
3
-8
2
1
0
30
0no
55
189
19
81
35
2
1
78
1
0
2
42
0
44
0
3
3
67
36
5
2
1
64
1yes
66
259
4
108
10
7
7
100
-7
6
8
14
4
10
0
2
2
18
-8
3
1
1
67
1yes
67
62
8
32
10
0
0
100
-7
7
8
10
2
40
0
2
2
89
49
5
3
2
100
1yes
88
371
9
133
10
0
0
100
-7
7
8
10
1
10
0
1
1
2
-8
2
-8
0
25
0no
68
17
17
17
1
0
0
100
-7
7
8
1
0
100
0
1
1
-8
-8
-8
1
-8
100
1yes
82
160
2
67
26
0
0
97
70
6
6
30
3
27
0
0
0
8
89
3
3
0
50
0no
85
152
15
84
17
0
0
88
42
6
6
17
0
12
0
1
1
4
-8
1
1
0
15
1yes
61
79
2
39
29
0
0
84
10
4
6
32
4
47
0
4
4
24
102
7
4
1
85
1yes
82
193
1
75
36
0
0
100
-7
7
8
37
3
38
0
5
5
7
-8
2
2
0
33
0no
84
247
3
91
26
0
0
100
-7
7
8
26
2
27
0
2
2
44
-8
5
1
2
33
1yes
86
332
15
95
19
0
0
100
-7
7
8
19
0
21
0
1
1
9
-8
2
-8
0
33
0no
57
264
6
155
3
2
2
40
4
4
2
5
2
40
0
4
4
0
-8
0
1
-8
50
1yes
74
217
5
94
28
0
0
100
-7
6
8
30
1
57
0
2
2
72
-8
4
2
3
75
1yes
67
163
7
71
14
1
1
100
-7
6
8
14
1
36
0
1
1
67
76
2
3
1
67
1yes
64
185
2
109
15
2
1
78
55
6
2
18
3
33
0
4
4
24
80
3
1
0
57
1yes
75
264
7
89
54
0
0
98
24
6
6
55
1
36
0
1
1
33
55
5
4
1
67
0no
56
113
26
70
7
6
4
50
4
0
2
13
0
58
0
1
1
0
-8
0
1
-8
50
1yes
57
68
4
37
15
0
0
81
31
6
6
16
3
50
0
1
1
98
85
4
4
1
80
1yes
70
211
4
80
10
0
0
90
9
4
6
10
4
10
0
3
3
51
-8
5
-8
1
63
1yes
65
377
3
113
34
0
0
97
18
6
6
34
2
44
0
1
1
45
68
8
4
2
71
1yes
56
30
20
26
3
0
0
75
10
4
6
4
0
50
0
0
0
97
77
2
1
1
100
1yes
75
207
4
46
17
0
0
100
-7
7
8
17
4
24
0
4
3
62
66
6
2
0
67
1yes
81
232
9
81
20
0
0
100
-7
7
8
21
1
10
0
0
0
13
-8
6
1
1
50
0no
72
354
4
105
22
0
0
100
-7
7
8
24
5
29
0
0
0
89
77
7
3
5
92
1yes
73
361
48
144
18
0
0
89
25
6
6
18
0
39
0
1
1
51
9
2
2
1
56
0no
66
245
44
131
12
1
0
79
1
4
5
14
0
36
0
1
1
46
-8
3
1
0
100
0no
70
112
1
45
15
0
0
94
21
6
6
16
2
38
0
1
1
39
82
5
3
1
73
1yes
70
217
1
66
31
0
0
97
49
6
6
33
6
52
0
2
2
71
94
3
9
1
82
1yes
67
434
7
99
20
0
0
100
-7
7
8
20
3
5
0
4
4
83
-8
8
-8
6
57
1yes
56
137
4
65
38
1
0
80
2
4
5
41
2
27
0
1
1
64
48
7
2
2
69
1yes
68
329
2
80
32
1
1
91
26
6
6
34
3
33
0
8
8
31
-8
7
1
2
57
1yes
66
169
19
102
16
0
0
76
17
6
6
17
0
24
0
0
0
71
-8
5
-8
2
71
1yes
66
152
5
78
11
2
2
100
-7
6
8
12
1
36
0
1
1
86
64
4
2
1
86
1yes
72
298
5
96
28
0
0
93
22
6
6
28
4
25
0
0
0
16
36
5
4
0
50
0no
77
242
15
97
23
0
0
100
-7
7
8
23
0
4
0
0
0
44
-8
5
1
2
50
0no
72
110
1
52
33
1
1
97
28
6
2
37
4
22
0
6
6
12
99
6
2
0
42
1yes
71
188
2
63
46
0
0
98
62
6
6
47
7
23
0
1
1
44
39
8
4
5
50
1yes
66
322
17
102
28
0
0
100
-7
7
8
28
0
43
0
1
1
67
72
6
6
3
71
1yes
69
146
5
73
31
0
0
100
-7
7
8
31
4
29
0
2
2
63
52
6
4
3
83
1yes
63
119
6
46
24
1
0
93
16
6
5
28
4
39
0
1
1
87
-8
9
2
7
92
1yes
77
152
2
67
12
3
3
92
73
6
6
15
3
23
0
1
1
7
67
4
1
0
71
0no
69
55
14
33
11
0
0
91
14
6
6
11
0
55
0
0
0
18
-8
4
1
-8
83
1yes
72
256
4
48
21
0
0
95
31
6
6
22
2
32
0
1
1
34
89
3
2
1
50
1yes
57
59
59
59
0
1
0
0
15
6
5
1
0
100
0
3
2
-8
-8
-8
1
-8
100
0no
57
154
6
68
24
2
1
71
8
4
4
28
3
14
0
1
1
38
30
6
1
0
42
1yes
73
29
16
23
2
0
0
100
-7
7
8
2
0
50
0
2
2
-8
-8
-8
-8
-8
-8
0no
78
263
1
116
14
0
0
100
-7
7
8
16
3
19
0
14
14
45
-8
4
-8
2
40
1yes
56
302
5
69
62
1
1
97
1
1
3
63
9
24
0
1
1
12
60
24
5
1
71
0no
67
188
7
123
21
0
0
77
36
6
6
22
3
9
0
1
1
68
-8
5
-8
2
83
1yes
72
56
4
25
14
0
0
100
-7
7
8
14
4
14
0
1
0
20
-8
6
1
1
64
1yes
76
172
5
91
21
0
0
91
34
6
6
22
1
23
0
2
2
12
57
2
1
1
25
1yes
78
128
3
54
7
0
0
100
-7
7
8
8
3
63
0
2
2
-8
2
1
2
-8
100
1yes
68
105
11
58
13
0
0
57
5
4
6
14
1
86
0
0
0
60
58
2
2
0
100
1yes
91
446
18
153
12
0
0
100
-7
7
8
12
0
33
0
0
0
4
-8
1
-8
0
20
0no
79
350
4
97
28
0
0
100
-7
7
8
28
1
39
0
0
0
29
90
1
3
1
27
1yes
75
303
4
97
35
1
1
97
29
6
2
37
1
49
0
0
0
6
49
2
2
1
57
0no
66
46
6
26
10
0
0
100
-7
7
8
10
1
70
0
3
3
94
59
2
3
1
83
1yes
63
110
4
38
4
0
0
80
15
6
6
5
2
60
0
3
3
63
87
1
2
0
100
1yes
68
39
7
24
7
0
0
100
-7
7
8
7
2
29
0
1
0
85
-8
2
1
2
75
1yes
75
187
6
70
32
0
0
100
-7
7
8
32
5
28
0
0
0
20
81
6
3
1
47
0no
82
306
5
67
18
0
0
100
-7
7
8
19
2
32
0
1
1
0
58
2
4
0
46
0no
73
179
5
102
34
0
0
100
-7
7
8
34
1
15
0
0
0
65
-8
6
-8
2
40
1yes
59
172
5
54
16
0
0
82
0
4
6
17
3
47
0
0
0
64
13
3
3
2
55
1yes
60
423
9
109
32
0
0
94
2
4
6
34
1
38
0
0
0
72
5
8
3
6
79
1yes
82
193
14
74
13
0
0
100
-7
7
8
13
0
38
0
0
0
21
60
3
2
2
63
0no
59
183
2
73
28
1
1
90
2
0
2
31
2
32
0
10
10
66
62
5
3
1
57
1yes
83
227
13
95
18
0
0
100
-7
7
8
19
0
37
0
0
0
26
33
2
2
0
50
0no