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
73
261
4
66
31
0
0
100
-7
7
8
31
8
16
0
3
3
18
-8
7
2
1
53
0no
74
111
2
37
8
0
0
100
-7
7
8
9
2
22
0
4
4
49
73
5
2
1
88
1yes
68
155
13
48
10
2
2
90
8
4
6
12
0
40
0
0
0
59
49
3
4
0
100
1yes
75
130
1
61
20
0
0
100
-7
7
8
21
3
19
0
0
0
57
98
3
3
2
43
0no
77
101
13
63
31
0
0
100
-7
7
8
32
0
9
0
1
1
36
3
2
2
1
40
0no
83
789
6
102
41
0
0
100
-7
7
8
41
1
17
0
1
0
1
-8
3
-8
1
23
0no
86
348
43
170
11
0
0
100
-7
7
8
11
0
18
0
1
1
23
-8
4
1
0
63
1yes
71
301
17
132
13
0
0
93
4
4
6
14
0
36
0
0
0
46
-8
2
1
1
60
0no
72
166
12
74
37
1
1
95
7
4
4
41
0
15
0
1
1
16
-8
3
1
1
26
1yes
77
173
11
59
7
1
1
100
-7
7
8
8
1
43
0
0
0
69
-8
1
1
0
100
0no
68
374
4
72
21
0
0
95
2
4
6
22
5
36
0
0
0
45
79
5
2
1
70
1yes
74
219
18
90
15
2
0
71
8
4
5
17
0
41
0
3
3
25
51
3
3
0
75
1yes
65
336
1
78
33
1
1
94
21
6
2
35
2
40
0
4
4
59
30
11
5
3
80
1yes
56
213
3
71
18
2
0
70
1
3
5
20
4
10
0
1
1
9
-8
4
1
0
56
1yes
55
223
23
107
12
2
1
79
2
4
5
15
0
36
0
0
0
86
50
4
3
2
100
1yes
65
317
5
132
12
2
1
80
10
3
2
15
4
20
0
9
7
43
90
7
2
2
100
1yes
63
274
2
94
49
0
0
94
21
6
6
52
2
10
0
1
1
43
77
19
3
5
64
1yes
72
225
9
56
17
0
0
100
-7
7
8
17
5
12
0
2
2
50
-8
7
1
1
69
0no
79
116
8
67
46
0
0
100
-7
7
8
51
2
25
0
0
0
4
28
6
2
1
45
1yes
74
219
13
90
30
0
0
100
-7
7
8
30
0
33
0
2
2
28
-8
9
2
1
79
0no
66
62
1
37
18
0
0
100
-7
7
8
22
3
5
0
1
1
64
-8
9
1
3
85
1yes
73
304
3
97
54
0
0
100
-7
7
8
54
4
37
0
1
1
19
89
6
5
2
50
0no
75
98
3
56
20
0
0
95
69
6
6
20
2
20
0
0
0
16
-8
3
-8
1
33
1yes
66
165
6
69
21
2
1
59
23
6
3
27
4
48
0
1
1
22
71
2
3
0
63
1yes
75
60
20
32
13
0
0
100
-7
7
8
13
0
31
0
4
3
40
75
1
2
1
50
1yes
80
234
4
74
23
0
0
100
-7
7
8
23
1
17
0
1
1
32
85
3
2
0
83
1yes
63
124
4
70
41
0
0
86
4
4
6
43
2
47
0
0
0
17
71
4
5
0
48
1yes
73
83
2
37
24
0
0
100
-7
7
8
25
2
24
0
2
2
29
58
3
2
1
45
0no
62
190
4
80
29
1
0
74
13
5
5
31
3
45
0
1
0
60
82
6
8
1
100
0no
73
135
14
72
27
1
0
87
17
6
5
30
0
47
0
1
1
0
24
1
5
0
60
0no
82
111
18
67
4
0
0
100
-7
7
8
4
0
50
0
0
0
14
-8
1
-8
0
100
0no
86
423
25
149
14
0
0
93
-7
6
7
15
0
53
0
0
0
23
60
3
2
0
83
0no
56
295
1
115
22
1
1
81
1
4
4
27
2
33
0
0
0
66
88
4
4
1
73
1yes
67
404
19
133
17
0
0
100
-7
7
8
18
0
50
0
1
1
81
76
4
3
3
100
0no
68
261
15
104
25
0
0
96
65
6
6
25
0
24
0
1
1
78
20
7
3
4
83
0no
68
46
12
31
11
0
0
91
13
6
6
11
0
36
0
0
0
33
56
4
2
0
86
1yes
62
135
2
63
9
3
2
69
22
6
3
14
1
38
0
0
0
0
-8
0
-8
-8
0
0no
63
59
16
29
7
0
0
71
12
6
6
7
0
29
0
1
1
64
41
4
1
1
83
1yes
80
360
2
114
27
0
0
97
25
6
6
29
2
62
0
1
1
10
100
3
2
2
63
0no
69
344
3
103
24
1
0
85
9
3
5
27
2
30
0
1
1
38
70
4
3
0
73
0no
51
91
5
27
7
2
2
75
3
0
2
9
3
63
0
4
4
76
89
3
2
1
100
1yes
71
376
1
115
35
0
0
100
-7
7
8
36
2
22
0
0
0
32
4
9
3
2
59
0no
68
108
3
58
15
0
0
81
23
6
6
16
1
25
0
0
0
31
78
4
3
1
70
1yes
60
171
37
85
24
0
0
76
13
6
6
25
0
40
0
2
2
86
38
7
2
3
100
1yes
88
164
3
87
19
0
0
100
-7
7
8
19
1
21
0
0
0
3
-8
3
1
0
80
0no
61
43
3
23
25
0
0
100
-7
7
8
25
6
0
0
6
3
44
-8
12
-8
3
52
1yes
64
246
1
84
43
1
1
100
-7
0
8
45
9
27
0
4
4
49
100
14
3
4
63
1yes
75
98
2
54
21
0
0
100
-7
7
8
24
1
13
0
1
1
36
-8
7
1
1
67
0no
66
206
9
76
36
2
1
79
8
4
4
38
2
53
0
0
0
60
78
8
2
2
83
1yes
81
167
8
77
19
0
0
95
21
6
6
20
1
30
0
1
1
11
-8
1
1
0
40
0no
67
187
0
89
47
2
1
87
12
6
4
55
4
13
0
2
1
30
43
13
3
3
55
1yes
68
164
3
59
40
1
1
93
17
6
4
43
5
47
0
1
1
24
78
7
12
1
76
1yes
57
151
22
102
4
6
6
60
80
6
2
10
0
100
0
1
1
-8
-8
-8
1
-8
100
0no
88
367
25
170
26
0
0
100
-7
7
8
26
0
19
0
0
0
1
39
1
1
0
25
1yes
68
238
20
72
31
2
2
91
3
0
2
33
0
21
0
0
0
20
62
5
2
1
44
1yes
58
29
1
13
13
0
0
100
-7
7
8
15
8
0
0
12
12
27
-8
8
-8
3
57
1yes
67
137
1
54
15
0
0
82
38
6
6
17
1
24
0
3
2
47
-8
4
1
1
60
1yes
69
57
2
27
14
0
0
100
-7
7
8
15
5
47
0
0
0
46
97
6
2
2
89
1yes
57
198
5
49
8
2
0
77
36
6
2
13
3
38
0
1
1
94
61
4
2
3
100
1yes
68
182
17
77
24
0
0
88
4
4
6
24
0
38
0
0
0
29
75
4
3
0
58
1yes
74
165
3
68
28
0
0
97
17
6
6
30
4
33
0
1
1
58
86
4
4
1
67
0no
64
195
5
52
30
0
0
100
-7
7
8
30
5
33
0
4
3
75
-8
5
2
2
50
1yes
71
97
9
59
20
0
0
100
-7
7
8
20
1
65
0
0
0
84
77
3
6
3
75
1yes
70
132
2
64
20
1
1
92
6
4
6
26
4
4
0
1
1
1
-8
1
-8
0
13
0no
57
119
4
59
39
0
0
97
6
4
6
39
3
3
0
3
3
58
65
8
1
4
36
1yes
60
141
4
61
16
0
0
94
5
4
6
17
2
47
0
1
1
64
56
9
3
2
100
1yes
67
234
3
96
43
0
0
100
-7
7
8
43
3
12
0
1
1
79
24
23
4
11
87
1yes
69
138
68
92
6
0
0
83
17
6
6
6
0
50
0
0
0
84
-8
1
1
1
100
1yes
60
79
6
32
18
0
0
100
-7
7
8
19
6
26
0
4
4
20
100
6
2
1
57
1yes
68
18
18
18
2
0
0
100
-7
7
8
2
0
100
0
0
0
-8
-8
-8
1
-8
100
1yes
86
307
24
131
14
0
0
100
-7
7
8
15
0
0
0
0
0
10
-8
2
-8
0
29
0no
76
137
3
62
31
1
1
91
13
6
3
33
5
36
0
0
0
9
-8
4
1
0
36
1yes
77
239
7
116
20
0
0
95
-8
6
6
21
1
19
0
1
1
34
-8
1
1
1
22
1yes
79
288
7
92
33
0
0
97
7
4
6
37
2
24
0
2
2
2
69
4
3
0
32
0no
69
369
12
132
20
0
0
80
2
4
6
20
0
15
0
0
0
23
31
7
2
0
64
0no
64
242
3
70
21
1
1
95
8
0
6
22
1
43
0
1
1
58
87
5
3
2
89
1yes
62
104
1
53
28
0
0
93
2
4
6
30
5
60
0
6
6
10
77
4
4
2
73
1yes
60
75
4
30
28
0
0
100
-7
7
8
29
6
41
0
4
3
83
96
9
2
3
92
1yes
75
178
4
62
38
0
0
95
53
6
6
39
2
15
0
1
1
15
-8
6
-8
1
43
0no
61
163
1
46
22
0
0
96
33
6
6
23
4
35
0
4
4
87
76
7
3
4
67
1yes
73
420
97
208
7
0
0
88
64
6
6
8
0
25
0
0
0
76
-8
3
-8
2
75
1yes
83
144
18
68
13
0
0
100
-7
7
8
13
0
23
0
0
0
3
-8
3
-8
0
100
1yes
63
97
5
53
17
0
0
88
18
6
6
18
2
18
0
4
4
65
79
3
1
1
44
1yes
72
119
1
33
19
0
0
100
-7
7
8
20
3
40
0
0
0
37
-8
9
2
0
85
1yes
79
304
3
111
31
0
0
97
51
6
6
31
2
13
0
2
2
19
96
8
2
1
59
1yes
82
356
4
85
34
0
0
100
-7
7
8
34
3
21
0
1
1
2
-8
5
1
0
35
0no
74
246
0
107
30
0
0
100
-7
5
8
32
3
13
0
1
1
47
79
17
2
2
71
0no
61
149
13
75
4
4
4
100
-7
7
8
8
0
50
0
0
0
-8
89
-8
2
-8
100
1yes
63
298
5
116
11
2
1
62
6
4
2
13
2
46
0
0
0
41
55
5
4
0
100
1yes
65
291
10
91
28
0
0
71
5
4
6
28
1
11
0
0
0
8
-8
7
1
1
40
1yes
69
237
5
76
47
1
1
100
-7
6
8
52
2
27
0
0
0
8
-8
5
1
1
60
1yes
67
176
8
59
29
0
0
100
-7
7
8
29
1
66
0
3
3
95
76
3
6
2
82
1yes
58
71
4
44
4
1
0
60
57
6
5
5
2
60
0
0
0
99
-8
1
1
1
100
1yes
85
419
9
204
11
0
0
100
-7
7
8
11
1
27
0
0
0
6
-8
3
1
1
67
0no
92
279
1
167
4
0
0
100
-7
7
8
5
1
0
0
0
0
4
-8
2
-8
0
100
0no
89
315
13
90
13
0
0
100
-7
7
8
13
0
15
0
0
0
6
85
1
1
0
33
0no
68
150
3
67
20
0
0
90
6
4
6
20
4
60
0
3
3
69
71
3
3
1
75
1yes
87
405
19
124
25
0
0
100
-7
7
8
25
0
20
0
0
0
9
-8
4
1
1
63
0no
87
253
0
92
13
0
0
93
58
6
6
15
2
33
0
0
0
0
-8
0
1
0
20
0no
56
247
3
57
27
0
0
82
4
4
6
28
3
46
0
1
1
88
99
4
2
3
86
1yes