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
67
110
7
46
33
1
1
97
9
4
4
38
1
26
-7
1
1
41
23
9
2
2
87
1yes
57
108
15
68
21
1
1
95
8
0
6
19
0
57
-7
0
0
68
80
3
5
0
89
1yes
72
166
2
58
29
0
0
100
-7
7
8
33
5
20
-7
0
0
34
90
4
2
1
33
0no
71
146
4
52
17
1
1
89
14
6
2
46
3
22
-7
2
2
33
92
4
2
1
86
1yes
59
174
3
62
44
0
0
100
-7
7
8
38
5
20
-7
3
3
71
-8
13
2
6
75
1yes
74
202
9
89
27
0
0
100
-7
7
8
34
1
15
-7
0
0
51
-8
6
1
3
67
1yes
81
291
6
65
5
0
0
80
67
6
6
10
1
40
-7
0
0
1
-8
2
1
0
75
0no
93
264
6
124
15
0
0
100
-7
7
8
26
1
0
-7
0
0
0
-8
1
-8
0
9
0no
76
185
4
69
32
0
0
97
25
6
6
34
3
13
-7
1
1
16
54
4
3
0
41
0no
57
277
9
98
28
0
0
93
4
4
6
9
2
39
-7
0
0
71
90
7
2
5
69
0no
73
-8
1
104
12
1
0
93
5
3
5
0
1
43
-7
1
1
0
100
1
2
0
50
1yes
86
271
10
113
26
0
0
100
-7
7
8
32
2
27
-7
1
0
13
50
2
3
0
33
0no
78
125
4
97
16
0
0
94
67
6
6
9
1
19
-7
0
0
36
17
6
2
1
80
1yes
65
242
4
28
6
2
2
75
13
6
2
7
3
63
-7
2
2
23
87
1
3
0
100
1yes
67
351
11
98
7
2
2
86
30
6
6
8
1
14
-7
0
0
59
-8
3
-8
1
60
1yes
61
219
7
18
15
0
0
100
-7
7
8
4
3
20
-7
2
2
58
98
7
3
3
77
1yes
65
237
0
90
42
0
0
98
43
6
6
62
2
58
-7
3
3
60
90
4
4
4
80
1yes
79
135
25
93
28
0
0
96
45
6
6
24
0
50
-7
0
0
13
66
1
4
0
45
0no
72
186
13
55
25
1
1
92
37
6
6
43
0
24
-7
0
0
29
-8
4
1
1
71
1yes
85
68
6
84
26
0
0
100
-7
7
8
7
1
27
-7
0
0
2
68
2
5
0
57
0no
82
426
3
115
33
0
0
100
-7
7
8
32
2
21
-7
1
1
13
56
4
2
0
58
0no
76
94
2
49
25
0
0
100
-7
7
8
30
5
33
-7
4
4
20
81
2
4
0
40
1yes
61
197
3
43
13
0
0
100
-7
7
8
11
3
23
-7
2
2
90
40
5
3
5
89
1yes
63
84
2
65
25
0
0
96
0
4
6
7
2
50
-7
2
2
46
98
3
1
2
50
1yes
71
247
3
72
49
0
0
100
-7
6
7
74
3
66
-7
2
2
83
61
10
5
1
94
1yes
55
116
14
60
15
1
0
59
6
3
5
3
0
24
-7
0
0
85
8
3
2
2
83
1yes
67
248
9
45
30
1
0
94
28
6
5
28
2
16
-7
0
0
40
77
6
4
1
45
1yes
77
117
16
59
11
0
0
100
-7
7
8
12
0
18
-7
1
1
34
-8
2
1
1
38
1yes
77
426
9
124
19
0
0
95
18
6
6
14
1
50
-7
0
0
46
-8
3
1
1
57
0no
65
134
5
79
16
5
2
61
9
4
2
23
2
30
-7
0
0
18
96
2
2
0
57
1yes
67
57
1
41
14
0
0
94
24
6
6
4
2
25
-7
3
3
32
55
7
3
2
77
1yes
56
128
9
87
14
2
0
88
1
3
5
12
2
29
-7
0
0
22
38
3
3
0
100
0no
80
167
1
48
12
0
0
100
-7
7
8
22
4
57
-7
5
5
27
-8
3
1
0
100
1yes
87
340
1
137
9
0
0
100
-7
7
8
2
1
10
-7
0
0
18
-8
3
-8
0
75
0no
71
154
1
62
7
0
0
90
1
4
6
27
2
40
-7
3
2
14
-8
3
1
0
80
1yes
75
355
12
111
21
1
1
87
46
6
3
7
0
39
-7
2
2
50
64
5
3
2
62
1yes
80
290
5
96
14
0
0
100
-7
7
8
43
2
21
-7
1
1
29
-8
5
2
1
58
0no
80
264
2
87
31
0
0
100
-7
7
8
34
5
9
-7
0
0
8
-8
4
-8
1
24
0no
60
156
1
62
32
0
0
100
-7
7
8
17
4
15
-7
1
1
76
-8
13
1
3
89
1yes
63
104
3
42
13
3
3
87
29
0
3
15
3
40
-7
4
4
41
100
5
6
0
85
0no
67
235
5
39
11
0
0
91
6
4
6
30
3
27
-7
1
1
47
78
3
2
0
71
1yes
77
327
2
80
39
0
0
100
-7
7
8
65
5
27
-7
1
1
5
91
5
5
2
42
0no
89
153
19
67
14
0
0
100
-7
7
8
20
0
36
-7
0
0
6
-8
2
1
0
60
0no
75
195
2
64
36
0
0
100
-7
7
8
27
5
29
-7
2
2
54
79
9
6
2
83
1yes
74
319
5
68
22
0
0
100
-7
7
8
30
2
23
-7
3
3
39
90
3
2
1
75
1yes
65
-8
4
115
28
2
1
83
22
6
5
0
2
34
-7
3
3
68
23
6
3
3
69
1yes
55
75
7
45
16
0
0
94
0
4
6
12
2
13
-7
3
3
53
-8
12
1
3
93
1yes
72
156
2
53
16
2
0
89
50
6
5
24
1
37
-7
0
0
29
50
2
2
1
44
0no
63
143
1
85
31
1
1
88
6
4
3
10
4
24
-7
2
2
54
82
8
4
2
75
1yes
74
36
20
80
20
0
0
100
-7
7
8
1
0
15
-7
1
1
81
-8
3
-8
2
67
0no
91
17
58
177
10
0
0
100
-7
7
8
3
0
10
-7
0
0
2
-8
5
-8
0
71
0no
69
144
4
75
38
1
1
100
-7
7
8
13
2
21
-7
2
2
11
98
6
2
0
50
1yes
74
264
11
64
28
0
0
96
29
6
6
58
1
29
-7
5
5
37
-8
5
2
1
44
1yes
73
197
5
79
40
0
0
100
-7
7
8
6
2
25
-7
3
3
31
70
2
6
1
38
0no
66
-8
2
65
13
1
1
94
33
6
2
0
2
69
-7
2
2
55
95
3
3
0
100
1yes
91
247
38
128
14
0
0
100
-7
7
8
6
0
0
-7
0
0
3
-8
2
-8
0
25
0no
86
252
3
90
56
0
0
100
-7
7
8
29
3
11
-7
1
1
3
-8
7
1
0
32
0no
69
168
1
78
17
0
0
89
9
4
6
10
2
58
-7
2
2
34
69
3
5
1
80
1yes
76
212
14
87
21
0
0
100
-7
5
7
21
0
33
-7
0
0
40
85
7
2
0
90
1yes
91
340
3
102
14
0
0
100
-7
7
8
22
1
21
-7
0
0
2
-8
2
-8
0
33
0no
55
201
17
54
8
4
2
38
6
3
3
41
0
31
-7
0
0
98
50
2
2
1
80
1yes
63
137
4
41
18
0
0
100
-7
7
8
18
5
22
-7
3
3
60
98
8
2
3
71
1yes
66
101
5
73
31
0
0
100
-7
7
8
20
1
10
-7
4
3
72
-8
15
1
10
75
1yes
75
112
2
48
18
1
1
100
-7
7
8
31
2
21
-7
0
0
9
-8
3
1
0
50
1yes
65
79
1
50
28
0
0
100
-7
7
8
15
4
20
-7
1
1
87
97
9
2
7
79
1yes
59
94
4
33
31
0
0
94
11
4
6
31
3
29
-7
0
0
48
96
10
3
0
76
1yes
75
253
12
40
22
0
0
100
-7
7
8
50
0
32
-7
5
5
8
47
3
2
0
46
1yes
56
457
4
22
11
0
0
91
8
4
6
17
4
55
-7
1
1
92
82
5
4
2
100
1yes
76
69
2
35
15
0
0
100
-7
7
8
17
2
18
-7
0
0
20
-8
4
1
1
50
0no
77
94
5
24
7
0
0
100
-7
7
8
7
3
14
-7
1
1
0
-8
0
-8
0
0
1yes
78
253
7
71
24
0
0
100
-7
7
8
52
3
52
-7
0
0
47
61
3
4
1
70
0no
73
368
2
103
43
0
0
100
-7
7
8
47
1
36
-7
0
0
70
72
17
4
7
91
0no
86
222
5
86
26
0
0
96
-7
5
7
30
2
31
-7
0
0
24
-8
3
-8
0
60
0no
71
22
20
156
10
1
1
91
12
6
2
7
0
36
-7
0
0
0
-8
2
1
-8
75
0no
73
25
3
57
19
0
0
100
-7
7
8
11
1
10
-7
0
0
56
-8
8
1
3
75
1yes
58
212
15
44
8
2
2
100
-7
6
8
4
0
63
-7
2
2
60
61
3
3
1
100
1yes
80
254
3
73
25
0
0
100
-7
7
8
28
4
32
-7
3
3
0
99
2
2
0
36
1yes
66
67
5
124
19
4
3
90
22
6
5
2
1
35
-7
0
0
4
8
3
2
0
56
1yes
79
317
16
144
21
0
0
86
29
6
6
17
0
14
-7
2
2
19
-8
5
-8
1
38
1yes
75
281
20
91
19
0
0
95
27
6
6
12
0
16
-7
3
3
22
81
5
1
0
60
0no
66
118
6
22
10
0
0
90
-8
6
6
32
2
40
-7
0
0
31
77
3
3
1
75
1yes
80
267
15
69
9
1
0
80
30
6
5
14
0
30
-7
1
1
11
86
1
2
0
60
1yes
87
440
9
105
26
0
0
100
-7
7
8
34
2
23
-7
0
0
15
47
2
2
0
29
0no
67
182
7
50
13
0
0
100
-7
7
8
6
1
62
-7
2
2
24
51
3
3
-8
86
0no
61
96
3
28
9
1
1
80
8
4
2
16
3
40
-7
0
0
26
99
3
2
1
63
1yes
82
-8
24
91
15
1
0
94
57
6
5
0
0
31
-7
0
0
0
-8
2
1
0
50
1yes
80
329
16
83
20
0
0
95
36
6
6
31
0
14
-7
2
2
9
-8
3
1
1
40
0no
70
396
3
134
33
0
0
91
46
6
6
45
2
26
-7
5
5
59
39
6
2
2
50
1yes
78
217
6
71
41
0
0
98
25
6
6
24
2
24
-7
1
1
12
33
3
3
0
32
0no
69
243
2
89
32
0
0
100
-7
7
8
22
4
30
-7
0
0
45
77
9
4
3
59
0no
64
234
4
93
40
0
0
100
-7
7
8
27
5
23
-7
3
3
77
73
11
4
6
70
1yes
73
252
2
126
38
1
0
98
38
6
5
49
6
38
-7
4
4
11
92
10
5
1
71
0no
73
178
2
42
11
0
0
100
-7
7
8
11
2
8
-7
0
0
40
100
4
1
1
71
1yes
70
173
6
85
12
0
0
100
-7
7
8
10
2
46
-7
0
0
93
13
3
4
3
100
1yes
65
273
5
62
32
0
0
100
-7
7
8
51
4
59
-7
2
2
57
88
7
4
3
85
0no
74
-8
9
50
15
0
0
100
-7
7
8
0
2
60
-7
0
0
45
84
4
3
1
88
1yes
61
16
3
17
20
0
0
100
-7
5
7
1
8
20
-7
1
1
67
36
14
2
0
94
1yes
66
184
10
112
15
1
0
56
4
4
5
43
1
28
-7
0
0
58
87
5
2
1
70
1yes
65
148
7
101
43
0
0
93
9
4
6
7
2
16
-7
1
1
51
89
13
3
4
59
0no
71
410
4
53
19
0
0
84
22
6
6
23
2
42
-7
2
2
40
38
4
4
0
75
0no