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
87
206
32
87
23
0
0
100
-7
7
8
23
0
30
0
3
3
6
-8
1
-8
0
13
0no
85
515
6
139
15
0
0
100
-7
7
8
15
1
47
0
0
0
28
-8
3
1
0
67
0no
64
56
14
35
2
1
1
100
-7
0
8
4
0
100
0
0
0
-8
80
-8
2
-8
100
1yes
84
380
5
109
24
0
0
100
-7
7
8
24
1
4
0
1
1
1
-8
3
1
0
27
0no
65
208
6
65
37
0
0
100
-7
7
8
37
4
14
0
2
2
47
65
13
3
6
73
1yes
87
130
12
46
26
0
0
100
-7
7
8
26
0
12
0
0
0
4
-8
2
-8
0
40
1yes
63
158
31
88
14
0
0
80
3
4
6
15
0
53
0
0
0
48
-8
3
1
1
80
1yes
63
282
4
71
29
2
2
88
1
4
2
32
4
69
0
1
1
4
81
5
4
0
82
1yes
71
357
3
112
29
0
0
93
16
6
6
29
1
48
0
0
0
70
52
8
5
1
100
1yes
79
345
17
124
12
0
0
100
-7
7
8
12
0
33
0
3
3
53
-8
1
1
1
33
1yes
77
409
15
137
33
0
0
100
-7
6
8
34
0
26
0
0
0
18
68
8
2
0
65
0no
70
69
18
44
10
0
0
100
-7
7
8
10
0
20
0
4
4
70
53
3
1
2
57
1yes
85
245
22
106
16
0
0
94
59
6
6
16
0
25
0
0
0
0
-8
0
-8
0
0
0no
82
147
6
35
6
0
0
100
-7
7
8
6
2
50
0
0
0
16
73
1
2
0
75
1yes
81
398
2
112
17
0
0
100
-7
7
8
18
2
33
0
0
0
47
60
5
2
1
64
0no
77
73
3
41
22
0
0
100
-7
7
8
22
2
27
0
1
1
0
94
1
3
0
29
1yes
65
195
3
94
29
0
0
97
2
4
6
29
2
17
0
1
1
31
-8
6
1
2
47
0no
74
265
3
69
34
0
0
92
42
6
6
37
3
44
0
2
2
68
95
4
3
2
78
1yes
68
198
8
96
37
0
0
97
18
6
6
37
2
27
0
8
8
54
65
6
3
2
56
1yes
68
128
8
65
17
0
0
100
-7
7
8
17
2
65
0
6
6
81
50
2
5
2
88
1yes
67
388
3
106
31
0
0
100
-7
7
8
31
1
19
0
0
0
83
69
14
3
10
91
1yes
68
184
17
60
24
0
0
80
1
4
6
25
0
40
0
0
0
13
28
1
3
1
50
1yes
66
121
1
36
6
0
0
100
-7
7
8
7
5
29
0
3
3
104
100
3
2
3
100
1yes
60
143
1
78
34
1
0
86
24
6
5
37
1
30
0
0
0
75
-8
5
1
3
67
0no
88
374
5
104
41
0
0
100
-7
7
8
44
1
43
0
0
0
4
-8
7
4
0
92
0no
57
179
12
70
13
2
1
75
0
3
4
16
0
44
0
0
0
19
87
4
2
0
75
0no
88
330
2
93
18
0
0
100
-7
7
8
19
1
32
0
1
1
3
99
6
1
0
64
0no
62
132
7
69
31
0
0
100
-7
7
8
33
2
24
0
1
1
87
96
7
4
4
69
1yes
69
78
5
40
16
0
0
100
-7
7
8
16
1
25
0
2
2
69
-8
3
2
2
83
1yes
61
188
10
83
41
0
0
98
4
4
6
41
1
37
0
1
1
24
81
1
4
1
44
1yes
70
92
11
57
16
0
0
88
16
6
6
16
1
44
0
0
0
37
61
1
3
0
67
0no
59
42
1
18
11
2
2
100
-7
7
8
14
4
58
0
1
1
59
89
4
4
1
89
1yes
63
272
6
59
6
1
1
100
-7
6
8
6
3
17
0
0
0
97
-8
3
1
2
100
1yes
66
64
2
41
21
0
0
95
41
6
6
22
2
27
0
3
2
67
47
3
3
2
50
1yes
60
117
4
52
24
2
2
92
7
4
6
27
1
33
0
1
1
32
76
6
3
0
90
1yes
72
413
10
70
31
0
0
97
54
6
6
31
2
74
0
1
1
25
-8
2
1
1
43
0no
68
295
3
107
20
0
0
90
2
4
6
21
1
24
0
1
1
32
-8
4
1
2
56
0no
64
175
4
63
27
0
0
100
-7
7
8
27
5
30
0
0
0
63
86
10
3
4
81
1yes
59
148
29
79
9
1
0
60
11
4
5
10
0
60
0
0
0
86
46
2
5
1
100
1yes
76
66
2
31
5
0
0
100
-7
7
8
7
3
0
0
1
1
47
-8
3
-8
2
100
1yes
70
320
4
65
31
0
0
100
-7
7
8
28
4
29
-7
4
4
32
76
4
3
1
47
0no
85
-8
14
140
24
0
0
100
-7
7
8
0
0
50
-7
0
0
26
70
4
4
0
73
0no
47
204
16
100
25
2
2
89
1
0
6
28
0
21
-7
1
0
76
-8
9
1
3
85
1yes
66
72
13
71
13
0
0
93
1
4
6
17
0
29
-7
0
0
58
-8
4
1
2
83
1yes
72
261
27
131
16
1
1
94
13
6
6
16
0
25
-7
0
0
11
-8
1
1
0
29
1yes
80
157
5
133
27
0
0
78
-8
6
6
22
1
48
-7
0
0
6
64
6
3
0
82
1yes
63
83
6
63
23
0
0
91
27
6
6
10
1
22
-7
1
1
82
4
13
2
3
89
1yes
59
162
33
74
11
2
2
71
9
4
3
14
0
43
-7
0
0
83
17
4
3
1
100
1yes
69
306
8
48
21
0
0
91
18
6
6
37
1
27
-7
1
1
38
77
5
3
2
50
1yes
87
32
2
89
20
0
0
100
-7
5
7
3
1
18
-7
0
0
14
22
4
1
0
83
0no
88
-8
16
121
24
0
0
100
-7
7
8
0
0
17
-7
0
0
0
52
1
2
0
30
0no
64
194
8
76
24
1
1
88
9
4
2
26
2
48
-7
0
0
69
77
7
6
6
76
1yes
68
207
2
86
30
0
0
94
2
4
6
57
3
16
-7
2
2
19
51
3
2
0
36
1yes
71
428
4
99
35
1
0
94
4
3
5
13
3
19
-7
1
1
8
67
6
2
1
50
1yes
66
115
7
109
35
0
0
100
-7
7
8
3
2
40
-7
1
1
82
67
4
4
3
90
0no
64
260
1
61
17
1
1
95
6
2
4
23
5
26
-7
0
0
68
88
3
2
1
71
1yes
63
145
2
23
12
1
1
100
-7
7
8
3
5
23
-7
0
0
49
61
7
2
2
92
1yes
65
209
8
56
41
1
1
98
2
0
2
47
4
38
-7
0
0
0
69
3
6
0
43
0no
63
37
14
60
16
1
1
94
32
0
6
21
0
13
-7
2
2
57
80
7
2
2
82
1yes
63
202
6
31
9
2
2
90
34
6
2
25
4
20
-7
1
1
49
81
6
2
1
89
0no
74
191
4
66
37
0
0
97
13
6
6
26
1
57
-7
0
0
33
83
4
6
0
63
0no
56
203
8
80
22
0
0
95
3
4
6
19
2
14
-7
0
0
77
11
7
2
4
77
1yes
66
-8
8
77
16
1
1
88
72
6
6
0
2
13
-7
1
1
43
-8
3
1
1
63
1yes
89
256
3
100
19
0
0
100
-7
7
8
27
2
47
-7
1
1
0
73
0
4
0
57
0no
76
179
7
91
22
0
0
100
-7
7
8
45
1
45
-7
0
0
40
88
4
2
1
78
0no
60
192
17
100
28
2
1
74
5
4
5
34
0
26
-7
3
3
85
82
10
2
3
93
0no
76
381
5
120
18
1
1
89
40
6
3
19
2
42
-7
3
3
29
36
2
3
1
56
0no
71
171
11
62
17
0
0
88
69
6
6
20
1
35
-7
0
0
41
67
3
2
1
56
1yes
62
298
16
62
30
1
1
97
21
6
3
53
0
32
-7
2
1
70
56
8
3
3
79
1yes
62
201
3
84
31
1
0
69
11
4
5
39
2
9
-7
4
4
13
99
4
1
2
36
1yes
70
154
8
124
9
1
0
70
5
3
5
24
1
50
-7
1
1
9
-8
1
1
0
40
1yes
63
227
3
63
16
3
1
55
20
6
4
31
3
20
-7
1
1
28
100
6
2
0
73
1yes
66
311
9
84
32
1
1
100
-7
7
8
33
3
39
-7
0
0
48
64
9
5
1
74
0no
75
61
16
63
5
0
0
67
16
6
6
13
0
50
-7
1
1
43
-8
2
1
0
75
1yes
71
55
3
30
20
0
0
100
-7
7
8
14
4
45
-7
1
1
40
94
6
4
0
91
0no
43
255
3
119
29
1
1
63
1
4
6
3
4
33
-7
1
1
63
67
7
6
5
72
1yes
55
258
8
51
28
0
0
93
4
4
6
22
2
38
-7
1
1
55
99
9
3
5
71
1yes
83
255
3
72
29
0
0
100
-7
7
8
34
2
21
-7
2
2
2
-8
5
1
0
38
1yes
81
216
4
70
32
0
0
100
-7
7
8
22
5
22
-7
0
0
4
54
8
2
0
56
0no
70
84
8
40
15
1
0
88
60
6
5
16
1
25
-7
0
0
7
69
2
3
0
56
1yes
72
330
4
104
33
0
0
97
23
6
6
32
5
21
-7
1
1
20
59
7
2
2
47
0no
64
224
3
102
36
0
0
94
1
4
6
9
1
11
-7
0
0
71
23
6
2
2
56
1yes
65
-8
1
6
2
0
0
100
-7
7
8
0
2
67
-7
4
4
25
100
1
2
-8
100
1yes
57
192
13
71
26
0
0
89
8
4
6
37
0
59
-7
2
2
60
49
7
4
2
100
1yes
82
161
4
75
25
0
0
96
74
6
6
19
1
67
-7
5
5
9
87
2
2
-8
100
1yes
74
260
7
61
45
1
0
96
60
6
5
47
1
24
-7
2
2
14
87
6
3
1
43
0no
87
182
3
83
20
0
0
100
-7
7
8
13
4
35
-7
0
0
5
54
5
2
0
47
1yes
70
183
27
97
16
2
2
89
66
6
2
25
0
33
-7
1
0
79
-8
3
1
1
100
0no
62
170
3
34
15
0
0
100
-7
7
8
13
7
20
-7
0
0
67
100
10
2
3
100
1yes
88
160
13
79
7
0
0
100
-7
7
8
14
0
29
-7
0
0
8
72
2
2
0
67
0no
68
160
24
117
7
0
0
33
2
4
6
22
0
33
-7
0
0
41
-8
2
2
-8
57
1yes
56
182
3
85
18
0
0
78
2
4
6
34
1
33
-7
1
1
53
15
5
2
3
80
1yes
56
412
4
97
29
3
2
78
2
0
2
30
2
59
-7
2
2
6
75
1
5
-8
60
1yes
55
312
3
72
24
3
1
78
1
3
3
27
6
22
-7
1
1
18
71
10
2
1
55
0no
75
235
13
139
26
1
1
100
-7
6
8
44
0
35
-7
0
0
13
-8
2
1
0
57
1yes
74
115
13
31
10
0
0
100
-7
7
8
35
0
40
-7
1
1
21
73
3
2
1
86
1yes
82
224
3
122
20
0
0
100
-7
7
8
5
2
10
-7
1
1
16
-8
8
-8
1
73
0no
63
264
5
41
16
1
1
94
3
0
2
16
3
47
-7
0
0
27
74
4
3
0
73
0no
70
333
1
49
13
2
2
100
-7
6
8
20
2
36
-7
3
3
8
96
1
3
0
50
1yes
75
212
6
52
16
1
0
88
20
6
5
24
2
53
-7
2
2
16
44
2
2
-8
44
1yes