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
68
264
5
72
54
2
2
96
30
6
6
53
8
46
-7
1
1
18
83
4
7
1
50
1yes
87
297
2
79
21
0
0
100
-7
7
8
34
1
0
-7
1
1
5
-8
7
-8
0
58
0no
63
41
15
103
17
0
0
88
4
4
6
10
0
29
-7
1
1
36
-8
2
1
2
43
0no
76
155
8
75
19
0
0
100
-7
7
8
31
1
32
-7
1
1
46
53
5
3
1
100
1yes
65
11
10
39
17
1
0
72
13
6
5
1
2
39
-7
5
5
0
-8
3
2
0
63
1yes
75
360
1
43
18
0
0
100
-7
7
8
37
6
32
-7
0
0
36
38
3
3
0
55
1yes
77
301
4
149
13
0
0
92
9
4
6
42
2
31
-7
0
0
20
89
6
2
1
80
1yes
67
121
2
29
15
1
1
94
30
6
2
12
7
24
-7
1
1
30
-8
6
1
1
64
1yes
74
306
4
91
34
0
0
97
60
6
6
37
2
26
-7
2
2
12
78
7
4
0
67
0no
70
-8
4
55
18
1
0
89
11
4
5
0
2
37
-7
2
2
28
75
2
3
0
71
1yes
73
43
1
31
9
1
1
91
67
6
4
8
4
18
-7
1
1
25
-8
5
1
0
67
0no
78
272
4
90
14
0
0
100
-7
7
8
25
2
29
-7
0
0
32
-8
6
1
2
78
1yes
62
322
1
40
16
1
0
94
23
6
5
28
5
44
-7
4
4
31
84
7
4
1
85
1yes
71
215
2
72
55
0
0
100
-7
7
8
47
10
27
-7
1
1
45
-8
8
4
2
43
1yes
66
67
13
66
33
0
0
97
56
6
6
7
0
39
-7
2
2
59
63
12
4
2
84
1yes
67
300
16
92
21
0
0
86
32
6
6
24
0
14
-7
1
1
41
69
8
2
2
56
1yes
67
201
8
64
32
1
0
80
14
6
5
25
2
11
-7
1
1
69
65
8
2
2
100
1yes
74
205
24
102
24
1
1
88
5
4
4
41
0
15
-7
1
1
6
58
2
3
0
63
0no
63
121
4
66
13
1
1
75
4
0
2
7
2
38
-7
2
2
0
72
3
2
1
75
1yes
84
142
17
65
12
0
0
100
-7
7
8
13
0
42
-7
0
0
17
-8
2
2
0
57
1yes
72
135
10
67
25
1
1
92
29
6
2
32
2
31
-7
1
1
5
-8
2
1
0
33
0no
62
398
3
110
17
0
0
82
3
4
6
16
4
47
-7
2
2
74
29
4
3
2
88
1yes
54
376
23
179
43
5
1
79
2
3
2
53
0
13
-7
0
0
68
35
24
4
7
91
1yes
60
164
10
87
27
5
3
80
38
6
3
32
1
40
-7
1
1
67
64
2
2
1
57
0no
87
215
34
80
18
0
0
100
-7
7
8
24
0
33
-7
1
1
2
-8
1
2
0
75
0no
68
196
2
36
25
0
0
100
-7
7
8
20
7
14
-7
2
2
41
69
11
4
2
75
1yes
60
161
5
80
34
1
0
89
2
4
5
35
5
20
-7
1
1
51
37
13
2
1
79
1yes
66
131
13
83
4
4
4
67
67
6
2
41
0
33
-7
0
0
67
-8
2
1
0
100
0no
66
52
7
7
1
0
0
100
-7
7
8
2
1
0
-7
3
3
48
-8
1
-8
-8
100
0no
77
166
5
50
9
0
0
100
-7
7
8
40
2
33
-7
1
1
56
96
3
3
1
100
1yes
89
147
1
145
13
0
0
100
-7
7
8
19
1
7
-7
2
2
2
16
1
1
0
25
0no
74
148
3
47
24
0
0
100
-7
7
8
67
6
32
-7
1
1
0
-8
0
4
0
40
1yes
66
221
12
103
19
2
0
67
6
3
5
11
0
38
-7
0
0
23
44
3
4
1
89
0no
79
111
2
67
40
0
0
100
-7
7
8
5
1
12
-7
1
1
1
85
9
2
0
44
0no
63
271
2
51
20
0
0
100
-7
7
8
26
2
32
-7
1
1
88
94
9
2
3
100
1yes
76
78
8
44
19
0
0
100
-7
7
8
11
3
42
-7
1
1
17
94
5
2
0
78
0no
65
-8
6
48
14
2
0
76
12
6
5
0
3
59
-7
5
3
16
67
2
6
0
90
1yes
69
211
2
69
11
0
0
93
-8
6
6
12
3
36
-7
2
2
95
77
4
3
3
100
1yes
67
203
45
144
12
1
1
86
2
0
2
23
0
36
-7
0
0
76
90
3
2
0
83
0no
56
329
5
20
11
0
0
100
-7
7
8
18
2
36
-7
3
3
73
55
6
3
3
100
0no
63
37
8
21
9
0
0
100
-7
7
8
4
3
50
-7
1
1
81
47
5
7
2
92
1yes
61
148
3
44
13
2
1
86
9
0
5
10
4
43
-7
2
1
18
60
2
3
0
71
0no
80
57
2
39
6
0
0
100
-7
7
8
11
1
0
-7
0
0
36
-8
2
-8
0
40
0no
77
-8
50
122
14
1
1
93
49
6
2
0
0
20
-7
0
0
1
-8
1
1
0
75
0no
63
189
3
70
15
8
4
61
16
5
2
31
1
17
-7
2
2
15
-8
4
2
0
67
1yes
73
210
9
138
49
0
0
94
5
4
6
41
3
57
-7
3
3
9
53
5
10
0
75
1yes
70
251
50
164
16
0
0
94
10
4
6
23
0
44
-7
0
0
30
-8
2
1
1
80
1yes
65
247
1
67
18
1
0
95
51
6
5
16
3
55
-7
0
0
65
85
6
3
2
100
1yes
65
154
31
121
7
1
1
78
16
6
2
5
0
33
-7
0
0
85
-8
2
-8
1
100
0no
57
207
13
69
21
1
1
86
2
0
2
2
0
41
-7
1
1
97
46
2
3
1
100
1yes
69
188
20
80
18
3
3
85
23
6
2
3
0
40
-7
5
5
16
-8
5
-8
0
83
1yes
73
-8
12
54
10
0
0
92
3
4
6
19
0
15
-7
0
0
1
22
1
2
0
57
1yes
70
278
11
87
16
1
0
94
12
6
5
31
1
18
-7
1
1
74
66
7
3
3
100
1yes
73
285
3
83
35
0
0
97
70
6
6
28
7
14
-7
2
1
18
93
8
3
1
46
0no
57
57
4
36
15
0
0
80
10
4
6
10
5
40
-7
1
1
71
63
7
3
1
91
1yes
80
207
6
57
21
0
0
95
66
6
6
9
1
71
-7
0
0
1
98
2
6
0
82
0no
73
148
0
47
24
0
0
93
6
4
6
34
9
43
-7
9
9
14
67
2
4
0
67
1yes
70
183
2
85
12
0
0
100
-7
7
8
12
1
31
-7
0
0
95
-8
7
1
5
89
0no
70
183
2
79
44
0
0
100
-7
7
8
36
6
29
-7
5
4
84
78
14
4
10
79
1yes
63
229
1
111
42
2
0
87
10
4
5
48
2
30
-7
2
2
42
37
9
2
5
50
1yes
60
2
5
138
18
0
0
86
4
4
6
1
1
29
-7
1
1
71
82
5
2
2
89
0no
69
140
15
54
8
1
0
78
25
6
5
16
0
44
-7
1
1
48
76
4
2
1
86
0no
-9
92
82
87
2
0
0
100
-7
9
8
2
0
50
-7
0
0
-8
-8
-8
-8
-8
-8
1yes
66
145
1
68
33
0
0
100
-7
7
8
52
6
36
-7
0
0
91
75
9
7
6
100
1yes
59
219
1
70
9
2
2
62
20
5
2
8
2
8
-7
1
1
45
-8
5
1
3
100
1yes
86
97
14
68
24
0
0
100
-7
7
8
33
0
12
-7
0
0
2
-8
1
1
0
25
1yes
73
255
12
40
10
0
0
100
-7
7
8
35
0
30
-7
3
3
62
73
3
2
2
83
0no
76
242
5
104
16
1
0
94
55
6
5
24
1
18
-7
1
1
54
13
4
3
1
78
0no
74
148
6
68
43
0
0
100
-7
7
8
26
3
11
-7
3
3
24
90
16
2
0
69
1yes
59
271
5
76
28
0
0
89
2
4
6
27
1
36
-7
3
3
23
97
8
3
0
69
1yes
58
120
3
69
11
1
1
91
-8
6
6
29
2
45
-7
6
6
92
86
5
3
1
100
1yes
58
295
5
12
9
0
0
89
2
4
6
18
6
11
-7
0
0
29
-8
7
1
0
89
1yes
88
225
6
112
23
0
0
96
18
6
6
22
2
22
-7
0
0
3
-8
3
-8
0
38
0no
80
201
4
93
28
1
0
97
37
6
5
9
2
7
-7
0
0
11
99
4
1
0
33
0no
58
183
11
36
30
0
0
100
-7
7
8
32
3
17
-7
8
7
87
-8
15
2
10
81
1yes
62
79
12
35
16
1
1
94
15
6
4
26
0
50
-7
3
3
100
57
4
5
2
100
1yes
70
131
17
65
22
0
0
100
-7
7
8
24
0
45
-7
1
1
84
72
4
4
2
73
1yes
59
192
5
99
18
5
3
81
4
3
2
26
1
19
-7
1
1
40
-8
3
1
0
57
1yes
59
370
11
96
10
2
2
75
35
6
2
29
1
50
-7
1
1
76
-8
2
1
1
100
0no
66
183
2
66
17
3
3
89
44
0
4
26
3
58
-7
2
2
42
-8
3
1
1
80
1yes
71
237
9
45
24
0
0
100
-7
7
8
50
3
25
-7
3
3
32
73
5
4
1
53
1yes
89
143
11
103
27
0
0
100
-7
7
8
13
1
11
-7
0
0
0
-8
1
1
0
14
0no
68
265
2
84
21
0
0
95
2
4
6
36
3
55
-7
2
2
27
100
3
2
1
71
1yes
88
393
6
107
28
0
0
100
-7
7
8
22
2
29
-7
0
0
0
-8
6
2
0
44
0no
54
324
3
79
22
6
5
70
3
0
2
37
2
37
-7
2
2
12
66
3
4
0
78
1yes
80
10
11
91
20
0
0
100
-7
7
8
1
1
0
-7
1
1
18
-8
4
-8
1
33
0no
80
191
5
112
18
0
0
100
-7
7
8
31
2
35
-7
0
0
32
-8
7
1
1
69
0no
69
190
6
66
30
1
0
91
17
6
5
21
2
25
-7
0
0
37
-8
6
1
1
70
0no
72
84
5
39
18
1
1
100
-7
7
8
10
3
37
-7
4
4
7
14
3
2
1
50
1yes
59
-8
0
53
2
5
4
50
4
4
5
0
1
75
-7
0
0
20
-8
1
1
0
100
1yes
65
125
3
70
79
0
0
98
44
6
6
104
5
21
-7
9
9
71
55
18
3
8
79
0no
61
212
2
61
37
1
1
85
12
5
2
47
3
15
-7
2
2
33
-8
12
3
1
70
1yes
78
82
5
54
33
0
0
100
-7
7
8
41
2
15
-7
3
3
21
11
9
3
2
50
1yes
66
-8
17
114
15
4
3
68
8
3
2
0
0
42
-7
0
0
8
75
3
2
0
83
0no
75
155
13
77
23
1
1
100
-7
7
8
3
0
17
-7
1
0
6
37
4
3
0
64
1yes
57
121
7
65
18
0
0
73
0
4
6
22
1
14
-7
0
0
56
48
9
2
3
92
1yes
73
203
3
69
30
0
0
94
53
6
6
40
3
23
-7
0
0
33
52
6
3
0
91
1yes
67
196
9
94
20
1
1
86
9
0
2
27
2
52
-7
0
0
40
93
3
2
1
75
1yes
61
255
15
125
17
3
2
71
12
5
2
22
0
32
-7
0
0
96
97
3
3
1
100
1yes
88
57
43
252
4
0
0
100
-7
7
8
3
0
25
-7
1
1
15
-8
1
-8
0
33
1yes