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
88
214
4
114
31
0
0
100
-7
7
8
31
2
13
0
1
1
16
-8
2
1
0
19
0no
60
147
2
107
7
6
6
89
78
0
2
12
1
33
0
6
5
1
-8
1
-8
1
50
1yes
71
164
10
81
12
0
0
100
-7
7
8
12
1
33
0
1
0
83
40
5
2
2
78
1yes
84
317
2
132
26
0
0
100
-7
7
8
27
2
22
0
0
0
16
51
5
3
1
57
0no
64
169
2
76
64
0
0
98
-8
6
6
66
4
21
0
1
1
53
-8
15
2
4
62
0no
61
189
5
101
18
0
0
83
6
4
6
18
1
39
0
4
4
60
-8
4
1
1
71
1yes
87
129
2
77
15
0
0
100
-7
7
8
16
2
19
0
0
0
6
-8
3
1
0
40
0no
62
146
14
61
10
2
2
82
18
6
6
12
0
55
0
2
2
50
-8
4
1
2
100
1yes
81
112
2
55
17
0
0
100
-7
7
8
19
1
47
0
1
1
24
-8
1
2
1
33
1yes
75
129
18
64
28
0
0
100
-7
7
8
28
0
25
0
0
0
59
-8
2
5
1
58
0no
74
151
13
66
45
0
0
100
-7
7
8
46
0
9
0
0
0
19
-8
7
1
3
50
0no
68
266
3
71
32
1
1
91
1
2
4
34
5
26
0
4
4
13
96
5
3
0
65
0no
57
75
8
33
17
0
0
88
2
4
6
17
1
18
0
0
0
32
-8
3
1
2
44
1yes
63
112
7
45
37
0
0
100
-7
7
8
37
9
5
0
2
2
25
-8
10
-8
1
56
0no
76
348
7
119
29
0
0
100
-7
7
8
29
1
28
0
0
0
33
89
10
2
1
65
0no
55
193
9
64
24
0
0
92
4
4
6
24
2
17
0
1
1
78
10
11
3
6
88
0no
68
144
2
41
19
0
0
100
-7
7
8
21
4
24
0
1
1
63
78
10
3
3
93
1yes
62
207
6
61
17
1
1
95
18
6
3
19
1
11
0
2
2
82
-8
12
-8
6
81
1yes
85
198
39
132
5
0
0
100
-7
7
8
5
0
60
0
0
0
26
-8
1
1
0
100
1yes
63
191
4
102
40
1
0
75
4
4
5
44
3
23
0
4
4
34
44
11
3
2
74
1yes
70
105
9
57
14
0
0
86
6
4
6
14
1
7
0
0
0
24
-8
5
1
1
67
1yes
62
147
3
41
8
1
1
89
25
5
2
9
2
44
0
1
1
97
84
4
3
1
100
1yes
65
264
3
115
11
0
0
57
1
4
6
14
1
21
0
2
2
19
63
4
2
1
100
1yes
78
238
18
106
30
0
0
93
55
6
6
30
0
27
0
1
1
13
73
2
4
0
58
0no
69
272
7
90
11
1
1
92
9
0
2
12
2
42
0
0
0
35
95
3
1
1
71
0no
65
116
3
39
22
0
0
95
15
6
6
22
3
32
0
1
1
50
47
5
4
1
69
1yes
66
398
13
129
14
1
0
81
2
4
5
16
0
13
0
0
0
32
-8
3
1
0
67
1yes
59
102
3
44
32
1
0
82
5
4
5
33
4
39
0
1
1
43
101
5
4
0
90
1yes
63
43
10
27
15
0
0
100
-7
7
8
15
1
20
0
1
1
53
77
9
2
1
85
1yes
66
105
5
63
30
0
0
97
14
6
6
30
4
57
0
4
4
49
26
7
5
1
86
1yes
79
128
12
63
14
0
0
100
-7
7
8
14
0
29
0
1
1
28
-8
6
1
1
70
0no
65
66
2
19
23
0
0
100
-7
7
8
26
9
19
0
0
0
33
75
15
4
2
87
1yes
80
173
8
62
17
0
0
100
-7
7
8
18
2
67
0
1
1
21
93
3
3
0
100
0no
66
293
2
67
13
0
0
93
-8
6
6
14
3
36
0
3
3
90
97
3
3
2
100
1yes
81
302
2
86
37
0
0
95
59
6
6
41
4
41
0
0
0
1
69
3
5
0
50
0no
66
194
4
78
3
2
2
75
55
6
3
4
1
0
0
0
0
76
-8
4
-8
0
100
1yes
73
211
5
71
38
0
0
98
42
6
6
43
5
49
0
1
1
33
100
4
4
0
57
1yes
63
190
5
67
14
2
2
75
15
6
2
17
1
35
0
4
4
0
89
0
1
0
25
0no
74
123
2
59
3
1
0
57
7
4
5
7
1
57
0
6
5
5
99
1
1
0
67
1yes
81
121
7
42
15
1
0
94
76
6
5
16
1
19
0
0
0
4
-8
5
1
0
55
0no
66
127
7
63
9
1
0
80
42
6
5
10
1
30
0
0
0
74
77
3
1
2
100
1yes
68
213
4
52
15
0
0
100
-7
7
8
15
2
20
0
3
3
77
-8
9
1
3
91
0no
58
33
5
18
12
0
0
100
-7
7
8
12
4
50
0
1
1
96
68
5
5
4
91
1yes
56
316
13
143
9
6
4
50
2
1
3
15
0
21
0
1
1
36
-8
4
1
0
63
1yes
66
163
19
73
14
0
0
93
27
6
6
14
0
64
0
0
0
51
58
2
2
2
67
1yes
73
190
19
68
37
0
0
100
-7
7
8
41
0
7
0
0
0
41
-8
14
1
7
63
1yes
69
59
10
43
10
2
2
75
32
6
3
12
1
50
0
0
0
18
81
1
2
0
75
1yes
55
222
15
93
18
0
0
67
1
4
6
21
0
19
0
0
0
105
72
11
3
3
82
1yes
60
43
1
21
16
0
0
94
36
6
6
17
7
29
0
9
9
32
99
4
1
1
50
1yes
69
132
16
85
19
0
0
90
10
4
6
20
0
25
0
0
0
8
-8
5
2
0
70
0no
80
226
2
66
35
0
0
100
-7
7
8
36
2
47
0
0
0
2
77
5
7
0
62
1yes
75
198
1
90
28
0
0
100
-7
7
8
29
1
28
0
1
1
59
44
4
2
3
47
0no
72
320
18
96
29
0
0
97
-7
5
7
30
0
20
0
1
1
74
56
9
2
3
92
1yes
58
421
1
142
24
0
0
96
12
6
6
25
1
20
0
3
3
78
101
9
4
7
87
0no
56
204
8
89
11
4
3
64
2
4
4
15
1
7
0
0
0
60
-8
2
-8
-8
33
1yes
72
263
15
103
22
0
0
100
-7
7
8
24
0
25
0
0
0
72
-8
9
2
2
92
1yes
66
236
11
74
26
2
0
90
8
4
2
29
1
17
0
0
0
77
-8
4
1
2
100
1yes
65
174
3
63
15
1
0
81
1
4
5
16
5
50
0
4
4
32
66
3
4
0
64
1yes
63
62
6
31
8
0
0
100
-7
7
8
8
2
25
0
3
3
91
139
5
1
1
86
1yes
68
113
9
45
33
0
0
100
-7
7
8
34
3
9
0
0
0
34
71
10
2
2
57
1yes
66
290
11
136
20
0
0
96
9
4
6
23
1
43
0
2
2
51
65
5
3
2
90
1yes
71
311
10
114
40
0
0
100
-7
7
8
40
1
23
0
2
2
28
75
12
4
4
59
1yes
69
127
1
57
16
0
0
94
9
4
6
18
2
28
0
3
2
28
100
3
3
0
60
0no
69
43
8
22
7
0
0
100
-7
7
8
8
1
50
0
1
1
58
77
3
3
1
86
1yes
62
183
5
95
8
5
2
50
17
6
2
14
1
29
0
2
2
59
-8
1
1
1
50
1yes
70
70
7
39
6
0
0
100
-7
7
8
6
2
17
0
0
0
96
-8
3
-8
3
75
1yes
68
164
12
78
48
1
1
94
6
4
6
50
0
29
0
2
2
67
56
4
10
2
74
1yes
72
131
2
44
16
1
1
100
-7
7
8
18
2
47
0
0
0
4
51
3
3
0
86
0no
66
31
3
18
10
0
0
100
-7
7
8
10
2
10
0
1
1
53
82
9
1
2
100
1yes
71
381
3
86
38
0
0
100
-7
7
8
39
3
18
0
3
2
35
53
8
3
3
65
1yes
80
206
3
75
19
0
0
100
-7
7
8
20
4
25
0
1
1
36
88
4
3
1
70
1yes
76
146
12
54
13
0
0
100
-7
7
8
14
0
36
0
0
0
48
49
2
3
0
100
0no
59
545
14
130
30
0
0
80
6
4
6
30
0
37
0
0
0
80
77
9
5
3
88
1yes
82
175
15
77
23
0
0
96
46
6
6
23
0
39
0
3
3
5
50
2
3
0
45
0no
54
137
7
77
3
13
12
43
8
4
2
16
1
43
0
0
0
13
93
1
1
0
67
1yes
58
138
15
65
9
6
6
60
14
6
2
17
0
60
0
0
0
38
-8
3
1
0
80
1yes
63
120
6
43
23
2
2
96
76
6
2
26
4
52
0
5
5
75
88
9
2
6
100
1yes
85
327
42
136
15
0
0
93
44
6
6
15
0
47
0
2
2
0
-8
0
3
0
50
0no
60
123
1
47
18
0
0
100
-7
7
8
20
3
5
0
1
1
90
-8
6
1
5
70
1yes
62
200
2
78
30
0
0
90
5
4
6
31
2
26
0
0
0
53
-8
6
1
0
54
1yes
64
218
5
84
26
0
0
100
-7
7
8
26
2
15
0
1
1
66
95
14
3
7
82
1yes
60
51
9
26
13
0
0
100
-7
7
8
13
1
15
0
3
3
66
4
7
2
1
91
0no
57
26
7
18
5
0
0
100
-7
7
8
5
1
60
0
1
1
100
-8
2
1
2
100
1yes
62
132
11
69
27
0
0
96
52
6
6
27
1
41
0
2
2
66
83
4
3
2
88
1yes
83
143
9
59
27
0
0
100
-7
7
8
27
1
37
0
1
1
4
-8
2
1
0
33
0no
74
390
0
81
24
1
1
93
7
0
2
27
3
44
0
1
1
26
87
2
2
0
40
1yes
68
91
4
25
18
0
0
100
-7
7
8
21
10
19
0
4
4
14
52
4
3
1
44
1yes
61
209
1
89
34
2
2
83
10
0
2
41
3
44
0
8
8
35
46
8
4
1
76
1yes
65
176
4
84
29
3
2
91
1
0
2
32
2
22
0
0
0
7
90
7
4
1
55
1yes
74
191
1
64
18
0
0
89
13
6
6
19
4
42
0
3
3
12
86
2
2
1
40
1yes
64
38
1
22
11
0
0
87
13
6
6
15
3
47
0
6
6
40
90
4
5
0
82
1yes
75
123
12
74
7
0
0
75
7
4
6
8
0
25
0
2
0
17
90
2
1
0
100
1yes
77
137
20
68
17
0
0
100
-7
7
8
18
0
17
0
5
4
48
-8
2
1
1
60
1yes
79
267
12
80
29
1
1
97
78
6
4
30
0
47
0
0
0
5
83
2
3
0
50
1yes
83
122
0
61
24
0
0
100
-7
7
8
27
2
26
0
2
2
2
76
2
2
0
50
0no
65
304
1
89
39
1
1
93
1
4
6
40
2
8
0
1
1
18
76
11
2
0
46
1yes
65
259
5
91
18
0
0
100
-7
7
8
27
2
11
0
1
1
89
-8
7
-8
5
80
1yes
71
291
8
97
21
0
0
100
-7
7
8
21
1
52
0
1
1
87
70
5
3
1
100
0no
65
109
6
45
7
1
1
86
39
6
6
8
2
57
0
0
0
79
93
2
1
1
100
1yes
94
203
12
125
9
0
0
100
-7
7
8
9
0
11
0
0
0
0
-8
0
1
0
25
1yes