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
64
261
5
62
27
2
0
76
2
4
5
39
3
28
-7
1
1
8
-8
2
2
1
40
1yes
77
127
2
62
11
0
0
100
-7
7
8
10
1
25
-7
3
3
28
43
3
2
1
83
1yes
68
-8
24
124
23
0
0
100
-7
7
8
0
0
17
-7
0
0
67
-8
3
2
3
56
0no
56
-8
10
43
7
1
0
38
0
3
5
0
1
25
-7
0
0
26
-8
2
1
0
57
1yes
74
195
2
97
15
1
1
82
28
6
2
14
2
24
-7
0
0
18
7
5
2
0
70
1yes
61
179
8
48
10
1
1
100
-7
7
8
11
2
30
-7
0
0
88
71
5
2
3
100
1yes
70
158
1
135
4
1
1
100
-7
7
8
13
1
80
-7
1
1
83
49
1
2
-8
100
1yes
88
-8
21
134
16
0
0
100
-7
7
8
0
0
13
-7
0
0
7
61
3
1
0
57
1yes
78
301
52
52
1
0
0
100
-7
7
8
15
0
100
-7
0
0
-8
6
-8
1
-8
100
1yes
87
218
17
98
17
0
0
100
-7
7
8
39
0
35
-7
0
0
0
6
1
1
0
29
0no
81
192
4
40
12
0
0
100
-7
7
8
12
2
29
-7
1
1
8
14
3
2
0
56
0no
81
80
10
86
13
0
0
100
-7
7
8
19
3
31
-7
0
0
39
-8
5
1
0
100
0no
75
247
1
80
28
0
0
87
17
6
6
46
2
23
-7
2
2
8
97
4
2
1
40
1yes
73
226
12
107
21
2
1
92
30
6
4
31
0
54
-7
0
0
59
26
7
2
3
82
1yes
81
263
2
78
44
0
0
100
-7
7
8
38
4
20
-7
5
5
4
100
3
2
0
25
0no
75
463
3
86
43
0
0
98
50
6
6
46
5
14
-7
2
2
15
28
5
3
2
33
0no
62
250
2
91
15
2
2
72
7
4
2
33
1
44
-7
0
0
62
-8
3
1
1
80
1yes
71
162
5
65
29
1
1
100
-7
7
8
24
2
34
-7
5
5
14
-8
3
-8
0
27
1yes
71
-8
6
37
2
0
0
100
-7
7
8
0
1
50
-7
1
1
-8
-8
-8
1
-8
100
1yes
71
183
1
60
15
0
0
100
-7
7
8
25
4
24
-7
5
5
41
49
6
3
2
69
1yes
69
209
5
105
40
0
0
90
28
6
6
6
6
24
-7
2
2
36
87
7
2
2
63
0no
63
173
4
37
18
0
0
94
31
6
6
18
4
22
-7
0
0
54
99
9
2
4
79
1yes
65
109
1
54
35
0
0
97
3
4
6
34
2
42
-7
2
2
6
74
2
2
1
44
1yes
68
217
9
58
32
0
0
100
-7
7
8
28
3
6
-7
1
1
44
-8
13
1
3
67
1yes
75
316
14
56
14
0
0
100
-7
7
8
31
0
21
-7
0
0
41
-8
2
1
2
43
1yes
75
194
5
55
21
0
0
100
-7
7
8
10
4
14
-7
1
1
42
-8
9
1
0
69
1yes
70
189
9
82
14
0
0
87
17
6
6
16
1
53
-7
0
0
43
37
2
2
0
100
1yes
74
189
3
67
41
0
0
100
-7
7
8
59
5
31
-7
3
3
31
61
6
5
1
72
0no
69
129
13
63
24
1
0
80
20
6
5
25
0
24
-7
0
0
51
71
4
3
2
53
1yes
83
-8
2
114
21
0
0
100
-7
7
8
0
2
36
-7
1
1
27
91
4
2
0
100
0no
78
202
1
102
12
0
0
86
17
6
6
39
2
57
-7
0
0
16
101
3
4
0
89
1yes
71
229
4
89
47
1
1
92
3
0
2
21
3
25
-7
0
0
24
88
10
4
1
63
1yes
68
140
3
49
9
2
2
90
81
6
2
8
2
30
-7
4
4
104
77
2
1
1
60
1yes
65
140
14
23
5
0
0
100
-7
7
8
7
0
40
-7
1
1
95
-8
2
1
-8
75
1yes
69
300
5
66
31
0
0
100
-7
7
8
36
7
16
-7
1
1
44
51
9
3
2
60
1yes
68
119
3
58
28
1
1
100
-7
7
8
38
4
14
-7
1
1
34
17
11
2
2
65
1yes
81
190
17
84
10
0
0
75
25
6
6
35
0
50
-7
1
1
4
76
2
2
0
67
1yes
78
-8
1
102
12
0
0
86
17
6
6
0
2
57
-7
0
0
16
101
3
4
0
89
1yes
65
165
10
66
64
1
1
98
4
1
3
83
2
25
-7
4
4
15
105
14
9
3
58
0no
72
162
2
54
15
0
0
95
64
6
6
14
8
21
-7
1
1
40
57
10
2
1
92
1yes
61
233
7
47
21
0
0
100
-7
7
8
20
2
48
-7
1
1
98
86
7
5
5
100
1yes
64
178
2
103
9
1
0
91
2
3
5
20
1
45
-7
1
1
76
100
3
2
-8
83
1yes
65
166
11
63
21
1
1
83
25
5
2
30
1
35
-7
0
0
58
4
5
2
1
88
0no
73
155
1
26
8
1
1
100
-7
7
8
17
1
33
-7
1
1
3
25
3
2
0
71
1yes
65
96
15
33
11
0
0
100
-7
7
8
12
0
9
-7
0
0
85
-8
6
1
3
100
1yes
79
126
11
64
28
0
0
100
-7
6
7
4
1
39
-7
0
0
33
-8
3
2
0
56
0no
74
225
2
71
26
0
0
100
-7
7
8
32
6
50
-7
3
2
40
77
8
5
1
100
1yes
62
134
2
9
7
0
0
100
-7
7
8
15
6
13
-7
2
2
44
-8
3
1
0
57
1yes
59
200
9
79
25
1
1
92
4
2
4
31
1
38
-7
1
1
78
74
3
3
2
86
0no
63
164
12
70
28
1
1
90
4
4
2
10
0
34
-7
3
3
55
40
5
4
2
90
1yes
57
119
7
7
3
0
0
100
-7
7
8
7
3
0
-7
8
6
84
-8
3
-8
1
100
1yes
61
190
5
67
32
0
0
97
33
6
6
60
1
41
-7
1
1
83
87
12
4
8
89
1yes
68
258
3
117
36
1
1
90
10
0
6
41
4
18
-7
0
0
12
48
6
2
1
35
0no
79
77
7
48
16
0
0
100
-7
7
8
6
1
44
-7
0
0
0
74
2
2
0
57
0no
81
328
1
85
27
0
0
100
-7
7
8
25
4
18
-7
0
0
12
101
5
2
0
41
0no
80
218
8
85
8
0
0
88
60
6
6
2
1
38
-7
0
0
24
88
3
1
0
100
0no
86
248
21
150
22
0
0
100
-7
7
8
35
0
54
-7
0
0
4
-8
3
-8
0
50
0no
78
245
29
144
25
1
1
85
9
4
2
15
0
33
-7
0
0
1
-8
1
1
0
33
1yes
65
13
5
44
18
1
1
95
34
0
2
1
2
26
-7
0
0
58
15
6
2
1
89
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
73
335
2
97
13
2
1
76
7
4
4
17
2
35
-7
2
2
0
70
1
5
0
43
0no
68
248
5
45
18
0
0
94
23
6
6
13
1
33
-7
5
5
64
52
2
3
1
63
1yes
65
236
1
104
30
0
0
84
0
4
6
20
2
13
-7
1
1
21
26
7
2
1
50
0no
73
131
3
84
20
0
0
100
-7
7
8
14
6
60
-7
4
4
48
50
4
8
2
93
1yes
75
179
6
83
23
0
0
100
-7
7
8
23
1
30
-7
0
0
43
84
8
2
1
71
1yes
84
241
4
93
17
0
0
95
28
6
6
40
3
53
-7
1
1
8
100
2
2
0
67
1yes
58
183
2
47
29
0
0
93
25
6
6
24
4
40
-7
0
0
53
77
8
5
3
72
1yes
70
158
7
77
25
0
0
96
21
6
6
39
1
12
-7
2
2
15
-8
8
1
1
67
0no
74
213
8
103
23
1
1
100
-7
7
8
15
1
35
-7
1
0
16
-8
2
1
0
44
0no
76
211
2
60
28
0
0
90
13
6
6
61
3
14
-7
1
1
13
96
5
3
0
33
1yes
84
152
6
61
18
0
0
100
-7
7
8
5
2
56
-7
0
0
3
-8
2
4
0
86
0no
69
-8
1
59
8
2
2
90
29
6
4
0
1
60
-7
6
6
52
-8
1
-8
0
67
1yes
70
77
9
66
5
1
1
83
25
6
2
10
1
33
-7
0
0
35
-8
1
-8
0
100
1yes
58
46
7
38
13
0
0
93
8
4
6
5
1
50
-7
2
2
80
84
5
4
1
90
1yes
61
253
8
72
10
1
1
55
7
4
2
32
1
36
-7
1
1
78
-8
3
1
1
71
1yes
60
247
2
73
31
0
0
97
72
6
6
45
2
50
-7
2
2
83
72
12
4
6
94
1yes
73
133
0
58
2
1
1
100
-7
6
7
3
4
20
-7
9
9
18
-8
3
-8
0
75
1yes
82
184
22
97
19
0
0
100
-7
7
8
14
0
21
-7
2
2
31
71
3
2
0
71
1yes
84
-8
2
159
20
1
1
95
34
6
4
0
1
0
-7
0
0
0
-8
1
-8
0
13
1yes
62
265
22
68
7
0
0
71
3
4
6
14
0
29
-7
0
0
79
-8
2
1
1
75
1yes
60
75
4
38
27
0
0
96
36
6
6
9
4
30
-7
1
1
64
85
8
5
2
70
1yes
79
267
7
86
17
0
0
88
68
6
6
18
3
35
-7
0
0
0
-8
0
2
0
25
0no
84
177
14
86
25
0
0
96
16
6
6
11
0
20
-7
0
0
1
-8
1
-8
0
11
0no
68
298
15
98
37
0
0
95
25
6
6
35
0
16
-7
0
0
44
-8
12
2
7
56
1yes
71
210
7
93
26
0
0
100
-7
7
8
44
1
57
-7
0
0
83
84
6
6
1
86
1yes
86
256
20
194
20
0
0
100
-7
7
8
25
0
40
-7
0
0
0
63
0
1
0
25
0no
66
-8
6
13
2
0
0
100
-7
7
8
0
1
100
-7
1
0
-8
-8
-8
1
-8
100
1yes
88
133
14
83
19
0
0
100
-7
7
8
47
0
32
-7
1
1
4
-8
2
1
1
43
0no
58
324
12
132
38
1
1
80
2
2
4
23
0
31
-7
2
2
67
23
8
3
5
57
1yes
61
-8
14
60
13
0
0
92
1
4
6
0
0
23
-7
2
2
75
82
5
1
4
75
1yes
58
-8
14
91
6
5
5
56
1
0
2
0
0
67
-7
1
1
0
-8
1
1
-8
100
1yes
72
178
1
60
29
0
0
100
-7
7
8
48
2
43
-7
3
3
60
85
6
2
2
89
0no
80
161
8
81
18
0
0
94
44
6
6
28
1
33
-7
5
4
7
-8
3
1
0
100
0no
79
262
5
81
26
0
0
100
-7
7
8
30
2
31
-7
0
0
13
-8
6
3
0
90
0no
57
19
2
18
18
0
0
100
-7
7
8
3
13
13
-7
9
9
30
48
15
3
3
86
1yes
66
133
14
66
32
0
0
97
-8
6
6
28
0
33
-7
3
3
64
80
8
3
4
79
1yes
63
168
3
21
3
1
1
100
-7
7
8
9
1
67
-7
1
1
75
42
1
2
1
100
1yes
65
124
5
65
12
2
2
92
44
6
2
20
1
23
-7
1
1
5
-8
2
1
-8
75
1yes
63
146
2
47
17
1
1
100
-7
6
8
15
4
17
-7
2
2
64
-8
9
2
4
79
1yes
82
311
17
133
18
0
0
100
-7
7
8
21
0
22
-7
0
0
34
-8
4
2
1
60
0no