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
204
14
118
17
0
0
78
1
4
6
18
0
56
0
0
0
48
51
6
1
0
88
1yes
66
228
5
91
18
1
0
80
24
6
5
20
2
30
0
0
0
66
97
6
2
4
67
1yes
81
370
6
78
25
0
0
96
24
6
6
26
1
42
0
1
1
0
67
1
3
0
40
0no
65
60
3
30
14
0
0
93
9
4
6
14
5
71
0
0
0
65
85
2
3
0
71
1yes
58
162
11
103
35
1
1
66
25
5
2
41
1
49
0
1
1
69
92
8
5
2
88
1yes
54
184
3
101
42
0
0
88
4
4
6
43
4
51
0
1
1
64
83
8
3
3
93
1yes
66
173
15
87
21
0
0
95
16
6
6
22
0
14
0
5
5
66
-8
2
1
2
33
1yes
78
193
23
100
24
1
0
81
13
6
5
26
0
19
0
2
1
0
-8
3
1
0
42
1yes
87
270
26
83
28
0
0
100
-7
7
8
28
0
25
0
0
0
0
-8
1
-8
0
10
0no
89
243
17
94
15
0
0
100
-7
7
8
15
0
27
0
1
1
8
94
1
1
0
25
1yes
81
297
7
84
23
0
0
100
-7
7
8
23
2
9
0
1
1
23
8
4
1
0
28
0no
74
235
12
120
34
0
0
100
-7
7
8
34
0
32
0
0
0
52
58
13
3
4
74
1yes
66
105
8
46
20
0
0
100
-7
7
8
20
1
20
0
1
1
78
67
5
2
4
73
0no
66
340
11
117
36
0
0
100
-7
7
8
36
1
11
0
0
0
81
-8
20
1
11
75
1yes
85
358
36
157
4
1
0
80
55
6
5
5
0
0
0
0
0
0
-8
0
-8
0
0
1yes
70
117
12
56
11
0
0
100
-7
7
8
11
0
27
0
1
1
99
6
4
1
2
100
1yes
81
253
2
80
28
0
0
100
-7
7
8
29
4
34
0
4
4
4
-8
3
5
0
50
0no
73
60
6
40
18
0
0
100
-7
7
8
20
1
10
0
2
0
17
-8
3
1
1
33
1yes
85
231
4
77
14
1
0
93
67
6
5
15
1
20
0
0
0
0
59
1
1
0
38
1yes
58
223
3
106
24
2
2
89
0
4
3
27
5
37
0
1
1
31
93
4
4
0
67
1yes
82
86
3
40
9
0
0
100
-7
7
8
10
2
30
0
1
1
16
82
2
2
0
50
1yes
76
109
3
58
45
0
0
96
30
6
6
46
3
15
0
1
1
6
-8
8
1
1
33
1yes
63
105
10
67
22
3
2
76
6
4
2
25
1
48
0
2
2
11
75
3
3
0
86
1yes
70
312
8
90
31
0
0
100
-7
7
8
31
1
13
0
0
0
49
72
8
1
3
43
0no
82
144
9
61
24
1
0
96
49
6
5
25
1
24
0
1
1
5
47
4
2
0
46
0no
72
113
18
55
25
0
0
96
-7
5
7
25
0
48
0
2
2
52
27
4
4
1
73
1yes
73
112
8
50
22
0
0
100
-7
7
8
25
1
29
0
0
0
39
-8
7
2
1
64
0no
79
281
22
150
6
0
0
100
-7
7
8
6
0
33
0
0
0
81
-8
1
1
1
50
1yes
91
277
17
163
12
0
0
100
-7
7
8
12
0
25
0
0
0
1
-8
3
1
0
50
0no
75
199
5
73
37
0
0
97
77
6
6
39
4
16
0
2
2
25
-8
6
2
2
50
1yes
81
101
20
41
12
0
0
100
-7
7
8
12
0
42
0
2
2
6
-8
1
4
0
83
1yes
66
141
6
73
25
0
0
92
52
6
6
26
2
54
0
0
0
81
96
6
3
5
90
1yes
59
49
1
20
16
0
0
100
-7
7
8
17
8
24
0
1
1
52
100
7
4
1
79
1yes
60
137
4
76
28
2
1
90
1
0
2
30
1
20
0
4
3
54
100
4
2
1
55
0no
89
243
7
116
6
0
0
100
-7
7
8
6
2
17
0
0
0
17
-8
3
1
0
100
0no
73
385
11
87
20
0
0
95
4
4
6
20
1
15
0
0
0
28
-8
4
1
0
36
0no
81
203
2
87
18
0
0
100
-7
7
8
19
2
5
0
2
2
16
-8
2
1
0
33
0no
65
100
9
40
15
0
0
93
9
4
6
15
3
47
0
0
0
50
65
3
2
0
71
0no
84
150
11
68
23
0
0
100
-7
7
8
25
1
24
0
0
0
1
-8
1
1
1
17
1yes
79
131
25
70
17
0
0
94
-8
6
6
17
0
29
0
0
0
0
52
1
2
0
38
0no
72
410
2
147
7
1
1
100
-7
6
8
10
2
38
0
6
6
6
98
1
1
0
50
1yes
64
258
4
123
10
1
0
64
5
4
5
11
2
9
0
2
2
36
-8
4
-8
1
50
1yes
58
211
5
54
39
0
0
95
2
4
6
39
4
23
0
1
1
25
43
5
3
3
47
1yes
68
377
9
96
35
0
0
97
-8
6
6
37
2
22
0
0
0
53
97
16
2
5
79
0no
65
99
5
46
24
0
0
100
-7
7
8
24
2
33
0
2
1
51
67
7
2
2
64
1yes
61
73
17
46
8
2
2
100
-7
7
8
10
0
75
0
0
0
-8
-8
-8
-8
-8
-8
0no
85
176
3
95
12
0
0
100
-7
7
8
14
1
21
0
0
0
26
-8
3
-8
0
100
0no
78
179
1
81
24
0
0
100
-7
7
8
26
5
15
0
3
3
12
94
5
2
0
44
0no
93
310
3
138
10
0
0
100
-7
7
8
10
1
20
0
0
0
1
-8
1
-8
0
13
0no
69
172
1
63
13
1
0
87
41
6
5
15
3
40
0
0
0
80
-8
3
1
2
50
1yes
74
132
2
72
15
0
0
100
-7
7
8
16
1
19
0
2
2
58
62
5
2
1
80
0no
91
286
15
133
10
0
0
100
-7
7
8
10
0
20
0
0
0
10
-8
2
-8
0
40
1yes
65
31
1
16
5
0
0
83
-8
4
6
6
2
33
0
6
5
0
93
1
1
0
40
1yes
66
136
6
62
55
1
1
98
14
5
2
57
4
23
0
1
1
41
60
9
5
4
56
1yes
67
100
3
61
19
0
0
100
-7
7
8
21
1
43
0
0
0
99
82
7
1
5
89
1yes
86
317
17
95
12
0
0
92
31
6
6
13
0
0
0
0
0
7
-8
3
-8
0
80
1yes
78
56
2
32
8
0
0
100
-7
7
8
9
3
22
0
1
1
23
19
4
2
0
86
1yes
82
368
6
106
23
0
0
100
-7
7
8
23
2
22
0
1
1
8
-8
3
1
1
36
0no
55
77
2
48
5
2
2
100
-7
7
8
8
2
67
0
2
2
94
190
2
4
-8
100
1yes
69
271
1
81
36
1
0
97
12
6
5
39
2
26
0
6
6
35
94
4
2
1
46
1yes
86
438
4
81
12
0
0
92
-8
6
6
12
1
42
0
0
0
5
-8
3
1
0
57
1yes
66
77
5
25
8
0
0
100
-7
7
8
8
5
13
0
1
1
93
72
5
1
1
100
1yes
59
75
0
50
2
1
1
50
39
6
6
5
1
50
0
7
5
0
-8
0
-8
-8
0
1yes
84
290
2
140
16
0
0
100
-7
7
8
19
1
21
0
8
8
0
97
1
2
0
44
0no
79
41
1
15
6
0
0
100
-7
7
8
8
2
25
0
2
2
1
64
1
2
0
38
1yes
84
186
6
93
22
0
0
100
-7
7
8
25
1
32
0
0
0
0
71
1
2
-8
50
0no
67
89
1
36
16
0
0
100
-7
7
8
19
5
26
0
4
4
63
29
6
2
3
73
1yes
75
198
4
69
30
0
0
100
-7
7
8
30
3
13
0
0
0
46
97
4
2
2
67
1yes
68
116
21
59
31
2
2
97
15
6
6
33
0
52
0
1
1
16
44
2
6
0
75
1yes
79
209
5
77
28
0
0
100
-7
7
8
28
3
29
0
0
0
43
-8
4
2
2
55
1yes
65
29
9
18
10
0
0
100
-7
7
8
10
3
40
0
5
5
38
68
5
3
0
89
0no
89
323
9
117
9
0
0
100
-7
7
8
9
1
11
0
5
5
0
-8
0
-8
-8
0
1yes
74
145
3
50
15
0
0
100
-7
7
8
15
2
33
0
1
1
46
-8
4
1
1
86
1yes
65
216
5
89
50
0
0
96
44
5
6
51
2
43
0
3
2
88
56
12
7
8
90
1yes
66
134
3
51
21
0
0
100
-7
7
8
21
5
29
0
3
3
59
44
5
2
3
58
1yes
63
50
13
25
10
0
0
100
-7
7
8
10
0
60
0
5
5
76
72
3
2
1
83
1yes
68
164
29
75
9
2
2
89
-7
5
7
11
0
22
0
1
1
49
-8
2
-8
1
50
0no
65
207
4
82
36
0
0
100
-7
7
8
36
3
25
0
2
2
64
42
11
2
6
59
1yes
71
133
2
69
16
1
1
94
48
6
2
19
3
72
0
2
2
13
41
2
2
1
80
1yes
82
78
2
31
9
0
0
100
-7
7
8
10
2
40
0
1
1
5
77
2
1
0
60
1yes
79
147
5
50
34
0
0
100
-7
7
8
34
7
15
0
1
1
1
44
2
2
0
18
0no
68
28
9
21
3
0
0
100
-7
7
8
3
1
100
0
0
0
-8
-8
-8
2
-8
100
1yes
67
344
4
171
24
0
0
96
57
6
6
26
3
31
0
0
0
77
68
6
3
4
71
0no
73
78
2
39
29
0
0
100
-7
7
8
30
3
23
0
2
2
16
84
5
5
0
77
1yes
59
278
1
135
32
2
2
71
4
0
2
34
2
15
0
1
1
3
58
8
2
0
52
0no
73
55
9
33
7
0
0
100
-7
7
8
7
1
86
0
1
0
-8
71
-8
2
-8
100
1yes
76
261
4
122
18
0
0
100
-7
5
8
18
2
44
0
2
1
43
70
3
4
2
70
1yes
70
182
2
34
7
0
0
100
-7
7
8
8
5
13
0
2
2
57
-8
4
-8
1
100
1yes
91
397
36
140
21
0
0
100
-7
7
8
21
0
19
0
0
0
3
-8
1
1
0
22
0no
69
324
20
127
22
1
1
95
-8
6
6
22
0
41
0
0
0
16
64
7
3
2
73
0no
63
129
1
50
6
3
2
75
6
3
2
12
2
33
0
4
4
17
-8
2
1
0
75
1yes
61
187
8
95
18
1
1
82
2
4
3
22
2
18
0
1
1
21
-8
5
1
0
86
1yes
89
176
4
83
12
0
0
100
-7
7
8
12
2
58
0
0
0
0
-8
1
1
0
50
0no
61
183
22
114
15
1
1
76
1
0
2
17
0
18
0
0
0
0
-8
1
-8
-8
33
1yes
65
125
9
75
14
4
1
79
16
6
3
19
1
53
0
0
0
85
-8
1
1
1
75
1yes
63
197
15
91
39
0
0
98
18
6
6
40
0
30
0
2
2
58
22
8
2
3
56
1yes
72
212
11
87
20
0
0
95
1
4
6
22
1
41
0
1
1
24
56
6
4
0
100
0no
72
148
4
38
15
0
0
100
-7
7
8
15
3
33
0
4
4
16
96
4
2
1
100
0no
72
275
12
80
4
0
0
80
9
4
6
5
0
60
0
0
0
56
58
1
2
1
75
1yes
65
267
0
101
5
1
1
100
-7
7
8
8
3
57
0
2
2
0
92
0
2
-8
67
1yes