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
69
77
8
45
28
0
0
100
-7
7
8
29
3
38
0
0
0
39
72
4
5
0
75
1yes
73
273
5
100
23
2
2
88
37
6
2
25
2
46
0
0
0
0
82
1
2
0
50
1yes
75
172
2
47
10
0
0
100
-7
7
8
11
5
18
0
1
1
32
-8
5
-8
1
83
1yes
78
167
0
72
46
0
0
98
78
6
6
49
3
41
0
4
4
13
60
7
8
1
75
0no
76
222
4
85
47
0
0
100
-7
7
8
47
2
28
0
0
0
37
59
4
4
0
53
0no
57
126
1
53
40
2
1
95
12
0
5
44
2
28
0
2
2
84
59
8
8
4
73
1yes
64
30
5
19
6
1
0
86
14
6
5
7
1
57
0
1
1
-8
92
-8
3
-8
100
1yes
58
89
3
49
15
1
1
67
24
6
6
16
2
20
0
1
1
68
61
9
1
1
83
1yes
59
58
18
28
5
1
1
67
9
0
2
6
0
67
0
0
0
99
-8
1
1
1
100
1yes
66
173
5
89
2
0
0
50
65
6
6
2
1
50
0
13
12
66
98
1
1
-8
100
1yes
61
229
21
114
20
3
1
68
8
4
4
25
0
36
0
2
2
63
86
6
3
1
90
1yes
66
19
5
11
5
0
0
100
-7
7
8
5
3
40
0
2
2
66
80
3
2
0
100
1yes
67
189
13
111
8
4
4
70
68
6
3
10
0
50
0
1
1
97
-8
1
1
1
100
1yes
68
175
4
48
27
0
0
100
-7
7
8
29
4
28
0
1
1
54
44
7
3
1
83
0no
64
150
3
40
24
2
2
100
-7
6
8
24
10
25
0
0
0
53
57
11
3
4
82
1yes
77
131
3
76
23
0
0
100
-7
7
8
24
3
17
0
3
3
19
-8
6
-8
0
44
1yes
66
145
8
81
13
1
1
71
15
6
2
14
1
36
0
1
0
0
64
0
3
-8
60
1yes
68
154
4
62
16
1
1
94
65
6
2
18
4
22
0
4
4
42
75
9
2
2
85
1yes
64
180
3
48
13
1
1
92
41
6
6
14
3
62
0
1
1
75
31
2
4
1
86
1yes
77
157
2
86
2
0
0
67
21
6
6
3
1
67
0
0
0
10
-8
1
1
-8
100
1yes
78
161
6
70
18
0
0
90
14
6
6
20
1
30
0
0
0
1
67
3
3
0
64
1yes
70
310
2
58
16
0
0
100
-7
7
8
17
5
12
0
4
4
62
-8
6
1
2
88
1yes
78
168
4
68
18
0
0
100
-7
7
8
18
2
33
0
0
0
22
47
5
2
0
70
1yes
73
99
2
50
18
1
1
100
-7
7
8
21
2
20
0
3
3
1
-8
3
1
0
57
0no
82
176
18
107
40
0
0
100
-7
7
8
40
0
35
0
0
0
0
75
2
2
1
21
0no
82
177
5
54
25
0
0
96
-8
6
6
26
4
42
0
1
1
9
77
4
2
0
75
1yes
71
227
7
81
24
1
0
80
3
3
5
25
3
8
0
1
1
4
89
2
2
0
33
1yes
79
21
1
11
1
0
0
100
-7
7
8
2
1
50
0
0
0
0
-8
0
1
-8
50
1yes
88
309
22
86
9
0
0
100
-7
7
8
10
0
10
0
1
1
9
-8
2
-8
0
40
0no
70
389
3
81
64
0
0
98
24
6
6
66
3
26
0
6
5
67
57
32
5
7
93
1yes
75
233
4
96
12
0
0
92
2
4
6
12
5
17
0
8
8
6
-8
2
2
0
50
1yes
81
368
2
82
51
0
0
100
-7
7
8
52
6
19
0
3
3
7
58
4
2
0
32
0no
65
106
4
71
9
5
4
54
29
6
2
14
2
31
0
1
1
10
-8
2
1
0
60
1yes
68
144
12
68
24
2
1
85
6
3
2
28
0
15
0
1
1
38
28
8
1
0
83
1yes
62
233
7
72
8
1
0
78
47
6
5
9
2
44
0
0
0
95
85
3
2
3
100
1yes
72
206
4
78
33
0
0
97
4
4
6
34
8
29
0
7
6
22
68
10
3
1
81
1yes
81
179
16
99
16
0
0
100
-7
7
8
19
0
26
0
0
0
26
-8
2
1
1
60
1yes
68
60
6
38
11
1
0
83
21
6
5
12
1
17
0
1
1
57
-8
5
1
2
67
1yes
66
153
8
52
29
0
0
100
-7
7
8
29
1
14
0
0
0
61
79
5
1
4
43
1yes
65
38
14
28
5
2
2
100
-7
6
8
5
0
40
0
2
2
99
40
1
2
1
100
1yes
62
192
5
38
22
0
0
100
-7
7
8
22
2
9
0
3
3
65
-8
15
-8
7
79
1yes
70
55
45
50
2
0
0
100
-7
7
8
2
0
50
0
3
3
92
-8
1
-8
-8
100
1yes
61
119
5
60
8
1
1
78
8
4
3
9
1
67
0
0
0
115
78
1
2
1
75
1yes
71
295
26
102
20
1
0
91
11
4
2
22
0
27
0
1
1
53
58
2
2
0
67
1yes
66
139
11
80
7
0
0
100
-7
7
8
8
1
25
0
0
0
86
-8
2
1
2
100
1yes
57
81
2
47
13
1
1
79
13
6
6
15
1
64
0
1
1
48
19
5
4
0
100
1yes
90
113
104
107
4
0
0
100
-7
7
8
4
0
0
0
1
1
5
-8
2
-8
0
75
0no
73
169
6
105
20
0
0
95
21
6
6
21
1
14
0
0
0
39
21
2
2
0
57
1yes
55
343
6
101
44
1
1
96
2
1
3
47
2
28
0
1
1
86
54
13
7
9
84
1yes
59
168
3
38
21
0
0
100
-7
7
8
21
12
38
0
1
1
85
90
10
5
4
94
1yes
77
143
11
74
21
0
0
100
-7
7
8
22
1
23
0
1
1
13
15
5
2
1
80
0no
70
149
4
72
24
2
1
93
6
4
4
29
6
55
0
0
0
24
106
2
8
0
67
1yes
71
114
12
66
39
0
0
96
1
4
6
46
0
41
0
0
0
17
81
6
7
1
50
1yes
75
416
4
167
7
2
2
89
28
5
2
10
2
33
0
1
1
8
57
5
2
0
88
0no
70
142
9
47
16
0
0
100
-7
7
8
16
4
19
0
2
2
30
55
4
2
1
55
1yes
58
353
10
151
42
1
1
95
1
2
4
44
1
30
0
1
1
19
56
9
4
1
56
1yes
60
169
3
83
18
3
2
81
5
4
2
21
1
29
0
0
0
83
53
3
4
1
89
1yes
80
149
3
52
16
0
0
100
-7
7
8
16
2
63
0
1
1
26
83
1
4
0
83
0no
79
140
15
70
24
1
0
96
18
6
5
25
0
32
0
3
1
0
74
0
2
0
22
0no
66
138
7
72
4
4
4
50
45
6
2
8
1
25
0
1
1
46
-8
1
1
0
100
1yes
56
135
12
74
34
1
0
91
3
4
5
35
0
20
0
9
9
55
48
8
3
3
61
1yes
63
320
12
88
13
1
1
79
2
2
4
14
0
29
0
0
0
17
-8
3
1
0
36
1yes
77
188
2
57
34
0
0
100
-7
7
8
38
3
24
0
9
9
4
70
3
3
0
35
0no
72
85
6
52
10
0
0
100
-7
7
8
11
1
18
0
4
4
49
-8
2
1
1
50
1yes
62
128
4
57
16
4
2
71
5
4
2
21
2
33
0
0
0
48
39
8
2
1
100
0no
61
358
9
95
31
0
0
91
10
4
6
33
1
39
0
0
0
70
-8
10
1
2
85
1yes
74
312
1
73
29
0
0
97
-8
6
6
30
4
17
0
3
3
14
87
3
1
1
27
1yes
61
114
16
59
3
3
1
25
3
3
4
8
0
63
0
0
0
0
77
0
2
0
40
1yes
69
217
14
93
18
0
0
80
10
4
6
20
0
45
0
5
4
20
24
4
3
1
78
1yes
59
159
11
74
2
1
1
33
11
1
3
3
1
100
0
0
0
-8
-8
-8
1
-8
100
1yes
51
106
6
65
13
0
0
78
1
4
6
18
1
56
0
0
0
87
86
5
2
3
100
1yes
76
368
6
80
31
0
0
100
-7
7
8
32
3
16
0
0
0
21
50
8
2
2
65
0no
79
198
24
102
9
1
1
90
54
6
2
10
0
40
0
0
0
1
-8
2
1
0
43
0no
68
293
2
65
15
2
2
100
-7
6
8
16
3
50
0
1
0
86
61
5
2
3
88
1yes
63
218
3
90
13
1
0
74
58
6
5
19
3
26
0
1
1
56
84
5
3
1
89
0no
87
302
14
151
20
0
0
100
-7
7
8
20
0
30
0
0
0
18
-8
3
2
0
50
0no
66
144
1
66
39
1
0
88
6
4
5
41
3
2
0
2
2
29
-8
6
1
1
33
0no
61
114
4
56
6
1
1
86
3
0
2
7
3
0
0
0
0
69
-8
4
-8
1
100
1yes
73
184
5
69
13
0
0
85
5
4
6
13
1
23
0
2
2
8
92
1
2
0
43
0no
59
30
2
15
10
0
0
100
-7
7
8
12
1
25
0
3
3
62
32
6
2
3
89
1yes
86
294
9
118
16
0
0
100
-7
7
8
16
1
19
0
0
0
18
-8
2
2
0
44
1yes
67
296
1
68
20
0
0
100
-7
7
8
22
5
27
0
7
7
64
-8
7
1
2
80
0no
57
74
5
30
14
1
0
94
63
6
5
16
3
44
0
0
0
96
61
7
2
1
91
1yes
84
484
16
142
8
1
0
80
67
6
5
10
0
40
0
1
1
11
53
3
1
0
100
1yes
58
231
26
113
16
0
0
76
4
4
6
17
0
18
0
0
0
71
-8
6
1
3
78
1yes
68
319
2
127
26
0
0
93
20
6
6
28
2
29
0
0
0
29
47
9
4
2
62
1yes
74
331
10
121
52
0
0
100
-7
7
8
54
1
28
0
2
2
47
90
7
2
1
53
0no
88
229
20
102
22
0
0
100
-7
7
8
22
0
27
0
0
0
5
-8
2
1
0
50
1yes
66
136
2
40
20
0
0
100
-7
7
8
22
6
9
0
0
0
33
-8
6
1
3
64
1yes
62
226
4
79
42
0
0
98
76
6
6
42
6
21
0
1
1
50
81
13
3
4
80
1yes
64
92
3
35
21
2
2
91
33
6
6
24
5
23
0
1
1
9
58
3
4
0
53
1yes
70
67
10
25
4
0
0
100
-7
7
8
4
3
75
0
0
0
98
101
1
2
1
100
1yes
65
12
7
10
2
0
0
100
-7
7
8
2
1
50
0
1
1
103
-8
1
-8
1
100
1yes
60
182
9
87
19
1
1
84
8
4
6
20
1
21
0
0
0
93
60
8
2
4
100
0no
59
181
13
71
15
3
3
93
12
6
6
18
0
27
0
2
2
41
31
3
2
-8
71
1yes
54
39
6
19
6
7
7
100
-7
0
8
15
1
75
0
2
2
92
86
2
3
2
100
1yes
87
378
17
116
17
0
0
100
-7
7
8
17
0
6
0
1
1
14
-8
6
-8
0
60
0no
71
135
24
73
21
2
1
87
15
6
4
23
0
4
0
0
0
26
-8
4
1
1
55
1yes
86
283
26
121
13
0
0
100
-7
7
8
16
0
44
0
0
0
0
82
1
1
0
40
0no
66
394
7
123
28
2
2
93
1
0
2
31
1
0
0
1
1
12
-8
6
-8
0
41
0no