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
55
270
5
89
20
0
0
76
0
4
6
21
2
14
0
2
2
51
-8
11
1
2
86
1yes
74
47
13
28
6
0
0
100
-7
7
8
7
0
43
0
0
0
-8
47
1
2
-8
100
1yes
57
108
3
55
36
1
0
93
3
3
5
45
1
27
0
2
2
75
73
7
9
6
80
1yes
66
162
9
73
17
9
5
61
26
6
2
28
1
39
0
1
1
21
30
2
2
1
50
0no
73
110
8
71
8
4
0
50
37
6
5
14
1
43
0
1
1
14
-8
1
2
1
43
1yes
73
345
8
111
20
1
0
86
41
6
5
22
1
41
0
1
1
23
153
4
7
1
69
0no
62
76
1
26
14
3
0
83
56
6
5
18
7
67
0
2
2
61
92
6
4
1
100
1yes
72
295
11
84
18
1
1
95
8
0
2
19
2
53
0
0
0
24
99
2
2
0
57
0no
63
206
2
66
19
0
0
82
6
4
6
22
4
45
0
2
2
56
39
6
2
1
75
1yes
63
201
9
82
37
0
0
84
1
4
6
38
1
26
0
0
0
36
-8
7
1
2
40
1yes
76
243
4
101
24
0
0
96
5
4
6
25
2
4
0
0
0
17
-8
7
-8
0
54
1yes
65
277
6
79
27
0
0
93
25
6
6
30
4
21
0
11
11
29
43
6
3
2
56
1yes
55
208
6
75
49
1
1
94
1
4
6
50
1
20
0
0
0
5
-8
4
3
1
41
1yes
83
282
3
65
22
0
0
95
17
6
6
22
3
55
0
1
1
0
71
0
4
0
57
1yes
73
322
34
120
17
1
1
89
1
1
3
18
0
11
0
1
1
15
-8
3
-8
0
60
1yes
84
137
0
73
49
0
0
100
-7
7
8
51
2
25
0
1
1
1
-8
1
2
0
17
0no
77
154
2
71
27
0
0
100
-7
7
8
28
2
29
0
0
0
39
66
5
3
0
62
0no
64
31
3
14
6
0
0
100
-7
7
8
6
2
17
0
2
2
68
-8
5
1
1
100
0no
86
203
3
76
17
0
0
100
-7
7
8
17
2
24
0
0
0
4
70
4
3
0
58
0no
63
378
10
84
36
1
1
89
10
4
4
37
2
54
0
2
2
60
67
4
6
3
77
1yes
89
135
19
80
30
0
0
100
-7
7
8
30
0
17
0
0
0
0
-8
1
1
0
22
0no
68
178
3
73
27
0
0
90
23
6
6
30
4
52
0
0
0
73
69
3
3
1
86
1yes
65
56
1
35
37
0
0
100
-7
7
8
39
3
13
0
0
0
65
93
15
2
8
62
1yes
63
85
2
27
4
1
1
83
4
4
4
7
4
83
0
0
0
3
100
1
2
-8
100
1yes
63
363
13
138
21
0
0
88
1
4
6
24
0
25
0
0
0
52
53
7
1
3
73
0no
76
308
42
135
10
1
1
92
18
5
2
13
0
31
0
0
0
1
-8
1
-8
0
33
0no
79
238
7
92
23
0
0
96
59
6
6
23
1
22
0
0
0
31
49
8
3
0
61
0no
71
151
2
34
10
0
0
100
-7
7
8
12
7
25
0
4
4
53
-8
6
-8
1
67
1yes
76
158
2
73
25
0
0
100
-7
7
8
27
2
19
0
2
2
23
-8
6
3
1
64
0no
84
332
1
152
33
0
0
100
-7
7
8
35
2
29
0
2
2
3
73
2
3
0
39
0no
88
135
67
85
4
0
0
100
-7
7
8
4
0
50
0
1
1
0
-8
0
-8
0
0
0no
75
160
2
82
46
0
0
100
-7
7
8
48
2
17
0
3
3
19
-8
10
3
1
41
1yes
81
311
6
80
22
0
0
100
-7
7
8
23
1
9
0
0
0
24
-8
5
1
1
67
0no
72
103
8
45
20
0
0
100
-7
7
8
21
2
52
0
1
1
71
90
1
3
1
80
0no
69
74
72
73
2
1
1
100
-7
6
8
2
0
100
0
0
0
-8
4
-8
1
-8
100
1yes
73
111
4
30
18
0
0
100
-7
7
8
20
3
50
0
5
5
27
68
2
6
0
80
0no
76
163
15
66
47
0
0
100
-7
7
8
47
0
21
0
4
4
9
82
5
6
1
58
0no
64
480
15
92
31
1
1
94
3
0
2
33
0
15
0
0
0
86
-8
9
1
2
91
1yes
77
127
6
54
27
0
0
100
-7
7
8
27
1
41
0
0
0
33
34
4
8
1
63
0no
67
256
4
67
23
0
0
96
5
4
6
23
4
39
0
0
0
9
79
7
4
3
92
0no
64
144
10
54
19
0
0
85
4
4
6
21
1
55
0
2
2
44
44
5
3
0
89
1yes
82
127
2
87
33
0
0
97
-8
6
6
34
3
35
0
1
1
6
-8
2
1
0
50
1yes
87
324
37
104
16
0
0
100
-7
7
8
16
0
0
0
0
0
5
-8
2
-8
0
14
0no
76
166
10
55
35
0
0
100
-7
7
8
36
3
19
0
2
2
25
-8
6
1
1
47
1yes
77
240
9
78
20
0
0
100
-7
7
8
20
1
45
0
0
0
34
67
4
2
2
60
0no
64
62
5
42
10
0
0
100
-7
7
8
10
1
0
0
2
2
84
-8
8
-8
4
80
1yes
66
99
7
51
27
2
2
85
28
6
6
29
3
15
0
0
0
36
61
10
2
1
63
1yes
69
115
7
52
18
4
2
82
23
6
3
22
2
18
0
0
0
23
93
5
2
1
41
0no
55
176
14
68
17
1
1
89
2
4
6
20
0
42
0
3
3
84
44
6
2
4
80
1yes
62
193
3
78
15
2
2
100
-7
6
8
16
2
40
0
3
3
99
38
5
2
3
100
1yes
85
377
3
121
45
0
0
100
-7
7
8
46
2
46
0
0
0
20
83
6
2
0
67
0no
65
360
14
67
10
1
1
55
17
5
3
11
0
45
0
0
0
49
-8
2
1
-8
60
1yes
76
145
16
90
5
1
1
86
60
6
4
7
0
29
0
0
0
0
22
1
1
-8
67
1yes
86
363
2
180
26
0
0
97
-7
5
7
29
1
28
0
0
0
3
52
3
1
1
45
0no
68
115
12
59
15
0
0
93
4
4
6
15
0
53
0
4
4
39
22
2
2
0
67
1yes
54
151
4
66
28
2
2
94
2
1
2
31
2
29
0
0
0
39
36
8
2
2
100
0no
86
380
3
138
23
0
0
100
-7
7
8
23
1
13
0
1
1
5
99
3
2
0
42
0no
74
119
11
39
4
0
0
100
-7
7
8
4
1
75
0
0
0
64
75
1
2
0
100
1yes
55
39
2
17
21
0
0
96
-7
5
7
23
7
26
0
2
2
64
77
9
4
0
78
1yes
55
584
13
172
17
0
0
76
4
4
6
17
0
24
0
8
8
61
72
8
1
1
100
1yes
59
170
2
69
40
1
0
87
4
3
5
46
5
41
0
0
0
38
54
11
5
3
77
1yes
87
254
21
92
26
0
0
100
-7
7
8
26
0
23
0
1
1
0
-8
2
2
0
40
0no
70
221
3
66
46
0
0
98
68
6
6
47
5
6
0
1
1
48
-8
3
-8
2
18
0no
60
65
17
37
10
0
0
91
-7
5
7
11
0
55
0
0
0
99
38
5
2
2
100
1yes
81
279
15
94
44
0
0
98
-8
6
6
47
0
36
0
0
0
19
56
7
2
0
64
0no
61
34
8
16
5
1
1
100
-7
6
8
5
2
60
0
0
0
95
56
2
2
2
100
1yes
64
49
4
24
11
0
0
100
-7
7
8
11
2
27
0
0
0
79
-8
6
1
6
88
1yes
73
259
1
76
27
1
1
100
-7
7
8
30
7
24
0
1
1
40
100
5
2
0
78
0no
84
245
5
103
17
0
0
100
-7
7
8
17
3
24
0
1
1
16
37
1
2
0
30
0no
73
105
5
71
24
0
0
92
38
6
6
25
3
4
0
0
0
47
-8
4
1
4
38
1yes
79
252
12
99
22
0
0
96
59
6
6
23
0
52
0
0
0
34
70
7
2
1
100
0no
81
151
19
82
21
1
0
95
-8
6
5
22
0
23
0
0
0
1
46
1
4
0
100
0no
76
258
17
127
10
0
0
80
17
6
6
10
0
20
0
0
0
40
-8
1
1
1
22
1yes
59
101
2
47
32
0
0
97
43
6
6
33
7
33
0
1
1
38
81
7
4
2
58
1yes
81
312
5
99
13
0
0
100
-7
7
8
14
1
29
0
0
0
42
-8
3
1
1
80
0no
86
143
2
55
12
0
0
100
-7
7
8
13
2
23
0
1
1
8
-8
4
1
0
56
0no
66
99
6
58
25
1
0
85
21
5
5
26
1
62
0
0
0
49
47
3
4
2
64
1yes
75
163
8
79
44
0
0
98
63
7
6
46
2
35
0
0
0
24
96
4
3
0
47
0no
65
180
2
81
7
2
0
73
15
6
5
11
2
18
0
0
0
81
-8
2
1
1
100
1yes
65
220
4
95
35
0
0
94
10
4
6
35
1
26
0
0
0
53
-8
7
2
1
63
1yes
63
204
2
79
21
4
4
85
38
6
2
26
2
73
0
2
2
77
79
4
3
2
70
1yes
62
185
8
67
38
0
0
95
7
4
6
38
2
24
0
0
0
19
-8
8
1
4
60
0no
67
223
4
88
26
0
0
100
-7
7
8
26
2
38
0
1
1
77
70
6
7
2
88
1yes
64
25
1
9
5
1
1
100
-7
7
8
7
4
17
0
1
1
8
-8
2
1
0
75
1yes
82
123
13
63
17
0
0
100
-7
7
8
20
0
55
0
0
0
55
63
2
3
0
100
1yes
59
21
1
8
4
1
1
100
-7
0
8
7
5
33
0
0
0
11
93
2
2
0
80
0no
56
180
9
86
15
2
2
72
10
4
3
18
3
78
0
2
2
101
91
2
6
1
100
1yes
66
38
1
21
9
1
1
100
-7
7
8
11
3
20
0
4
4
24
-8
4
-8
1
75
0no
67
245
27
110
20
0
0
87
10
4
6
23
0
17
0
0
0
40
6
6
2
1
64
1yes
74
199
1
47
31
0
0
100
-7
7
8
33
5
27
0
2
2
17
66
4
3
1
54
0no
84
186
15
71
15
0
0
100
-7
7
8
15
0
27
0
0
0
13
75
1
2
0
50
0no
70
88
16
48
12
0
0
100
-7
7
8
12
0
8
0
1
1
79
89
7
1
2
89
0no
65
145
4
46
36
0
0
94
80
5
6
36
4
31
0
1
1
61
74
13
6
5
84
1yes
57
121
12
63
7
4
4
70
57
0
2
11
0
60
0
0
0
38
78
1
3
0
100
1yes
69
208
5
61
48
1
1
98
36
6
3
53
6
26
0
3
3
78
93
8
4
3
75
1yes
61
270
2
38
17
0
0
100
-7
7
8
22
7
9
0
1
1
42
71
8
2
4
59
1yes
90
205
45
104
11
0
0
100
-7
7
8
11
0
18
0
0
0
0
-8
1
-8
0
25
0no
70
331
22
116
20
0
0
95
63
6
6
22
0
23
0
3
3
65
-8
8
1
2
82
1yes
81
243
1
89
41
0
0
100
-7
7
8
44
9
27
0
7
6
1
39
7
4
0
50
0no
69
60
17
31
16
0
0
100
-7
7
8
16
0
13
0
1
1
76
-8
8
1
7
69
1yes