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
56
-8
18
70
20
1
1
95
2
0
6
0
0
15
-7
6
6
68
59
3
2
2
71
1yes
80
247
11
133
45
0
0
92
25
6
6
53
1
45
-7
0
0
2
29
5
4
0
53
1yes
66
120
3
60
23
1
0
83
22
5
5
30
2
17
-7
2
1
44
70
4
2
0
67
1yes
64
326
9
142
26
1
0
81
8
4
5
24
2
19
-7
2
2
21
52
5
3
1
57
1yes
77
54
12
32
3
0
0
100
-7
7
8
4
0
33
-7
2
1
25
-8
2
-8
0
100
1yes
92
250
66
139
7
0
0
100
-7
7
8
4
0
0
-7
1
1
1
-8
5
-8
0
83
1yes
65
176
1
19
18
0
0
100
-7
7
8
37
7
10
-7
4
4
38
100
8
2
2
59
1yes
77
227
2
74
66
0
0
99
75
6
6
76
4
30
-7
1
1
24
90
12
9
1
58
0no
88
193
17
119
12
0
0
100
-7
7
8
14
0
33
-7
2
2
17
-8
2
1
0
75
0no
65
208
3
56
14
2
1
88
57
0
5
43
4
13
-7
4
4
14
-8
5
1
3
55
1yes
73
199
15
68
33
0
0
100
-7
7
8
13
0
33
-7
0
0
26
88
3
3
2
40
0no
70
72
5
22
10
0
0
100
-7
7
8
8
2
40
-7
1
0
64
73
6
2
1
100
1yes
76
126
5
64
12
0
0
100
-7
7
8
8
2
31
-7
0
0
66
-8
2
1
2
75
1yes
70
391
6
66
17
3
3
100
-7
7
8
37
3
41
-7
1
1
1
72
1
2
0
71
1yes
80
-8
10
90
25
0
0
92
6
4
6
0
1
28
-7
0
0
8
55
4
3
0
73
1yes
81
176
5
78
37
0
0
100
-7
7
8
36
4
37
-7
2
2
0
80
2
3
0
42
1yes
67
144
21
95
12
4
1
71
29
6
2
3
0
29
-7
0
0
43
-8
2
-8
0
67
1yes
73
196
145
164
5
1
1
71
47
6
3
19
0
29
-7
0
0
-8
-8
-8
1
-8
100
1yes
67
-8
2
17
11
0
0
100
-7
7
8
0
6
8
-7
2
2
65
-8
6
1
1
70
1yes
65
145
1
51
7
3
2
80
58
6
2
15
2
50
-7
1
1
43
61
3
2
0
100
0no
72
153
5
76
24
1
1
90
9
4
6
50
2
66
-7
1
1
14
23
4
8
0
71
1yes
62
186
4
35
19
0
0
95
8
4
6
36
2
32
-7
0
0
79
90
5
3
4
62
1yes
73
73
8
56
15
0
0
100
-7
7
8
4
1
47
-7
1
1
96
68
2
3
1
100
1yes
66
26
2
51
7
0
0
90
4
4
6
3
2
60
-7
2
1
28
77
2
3
0
83
1yes
70
291
8
88
14
0
0
100
-7
7
8
8
1
29
-7
0
0
100
67
5
2
4
100
1yes
78
126
12
60
11
0
0
100
-7
7
8
15
0
33
-7
0
0
53
86
2
2
2
80
1yes
65
121
4
61
29
0
0
90
13
6
6
1
3
37
-7
1
1
39
32
4
6
2
69
1yes
81
160
5
79
27
0
0
100
-7
7
8
21
2
56
-7
0
0
46
26
3
3
1
67
0no
62
188
7
96
23
5
3
74
12
6
2
12
1
35
-7
2
2
23
40
4
4
0
67
0no
59
224
17
122
13
3
2
58
8
2
2
33
0
32
-7
0
0
55
47
4
4
0
62
1yes
70
66
5
32
32
0
0
100
-7
7
8
33
5
6
-7
1
1
14
-8
10
-8
1
39
1yes
61
30
2
43
14
1
0
88
2
3
5
3
3
38
-7
0
0
44
86
4
2
1
50
1yes
71
63
6
161
27
0
0
89
18
6
6
5
1
14
-7
1
1
63
-8
3
1
3
45
0no
55
266
4
69
21
2
1
88
2
0
2
55
4
50
-7
5
5
5
36
3
4
0
100
1yes
62
172
7
70
37
2
1
90
7
4
5
60
2
63
-7
0
0
44
53
6
3
1
71
0no
86
280
6
109
21
0
0
100
-7
7
8
21
1
33
-7
0
0
19
82
3
3
0
60
0no
75
351
8
93
30
0
0
90
1
4
6
28
1
7
-7
1
1
9
-8
7
-8
0
57
0no
84
325
1
89
22
0
0
100
-7
7
8
17
4
33
-7
3
3
6
-8
2
1
0
33
0no
69
196
23
69
20
3
3
100
-7
6
8
31
0
30
-7
1
1
35
-8
1
2
0
50
0no
92
252
60
186
13
0
0
100
-7
7
8
13
0
15
-7
0
0
0
-8
0
1
-8
20
1yes
80
258
3
81
35
0
0
97
44
6
6
28
4
31
-7
2
2
29
75
8
4
0
75
0no
54
194
11
85
11
3
2
43
3
3
2
30
1
36
-7
0
0
55
-8
4
1
1
83
1yes
63
363
3
24
17
0
0
94
33
6
6
39
7
29
-7
1
1
68
99
8
3
1
92
1yes
88
311
5
92
23
0
0
100
-7
7
8
16
2
8
-7
1
1
1
-8
2
1
0
25
0no
93
95
11
131
8
0
0
100
-7
7
8
2
1
0
-7
0
0
1
-8
3
-8
0
38
1yes
52
-8
4
42
22
4
2
92
38
6
5
26
2
24
-7
4
4
75
74
13
1
6
82
1yes
88
-8
10
98
23
0
0
100
-7
7
8
38
1
29
-7
2
2
1
35
6
2
0
73
1yes
75
160
17
39
10
0
0
100
-7
7
8
8
0
36
-7
0
0
62
56
3
2
1
100
0no
93
236
28
142
19
0
0
100
-7
7
8
11
0
11
-7
0
0
1
-8
2
1
0
30
0no
65
184
3
35
8
0
0
100
-7
7
8
8
3
75
-7
1
1
103
89
1
4
1
100
1yes
62
242
14
106
15
2
2
56
6
4
2
7
0
28
-7
0
0
67
-8
5
2
1
78
1yes
64
8
7
8
2
0
0
100
-7
7
8
2
2
100
-7
0
0
-8
81
-8
2
-8
100
1yes
76
151
5
107
18
0
0
100
-7
7
8
1
3
28
-7
1
1
47
92
6
3
0
75
1yes
86
162
7
137
26
0
0
100
-7
7
8
23
2
12
-7
0
0
12
-8
6
-8
0
35
1yes
70
210
20
27
4
0
0
100
-7
7
8
51
0
50
-7
1
1
102
97
2
2
1
100
1yes
88
211
7
85
38
0
0
97
51
6
6
38
1
8
-7
1
1
0
-8
1
-8
0
4
0no
65
165
6
61
18
1
1
79
2
4
3
22
5
58
-7
1
1
26
64
4
6
0
91
0no
85
122
5
105
18
0
0
100
-7
7
8
28
2
44
-7
4
4
11
-8
2
1
0
75
1yes
67
-8
6
57
18
1
1
100
-7
6
8
0
3
44
-7
5
5
31
77
4
2
1
86
1yes
56
243
4
42
31
0
0
100
-7
7
8
61
5
35
-7
4
4
91
57
10
3
5
93
0no
89
136
17
77
7
0
0
100
-7
7
8
6
0
14
-7
0
0
6
-8
2
1
0
75
0no
81
74
2
47
24
0
0
100
-7
7
8
26
1
12
-7
2
2
8
-8
2
1
0
38
1yes
65
63
4
19
8
0
0
88
36
6
6
13
5
25
-7
0
0
20
92
3
2
0
83
0no
58
170
11
80
14
4
0
72
6
3
5
21
2
44
-7
0
0
65
68
3
4
0
100
0no
85
317
21
97
15
0
0
100
-7
7
8
31
0
27
-7
1
1
5
-8
3
-8
1
60
0no
78
105
4
72
30
0
0
100
-7
7
8
4
1
20
-7
0
0
27
51
2
3
0
55
0no
70
155
4
53
17
1
1
83
23
6
4
36
1
44
-7
3
3
43
78
4
4
1
80
1yes
74
204
14
88
51
0
0
100
-7
7
8
64
0
40
-7
0
0
34
53
6
9
1
75
1yes
91
252
24
114
11
0
0
100
-7
7
8
25
0
27
-7
0
0
4
39
3
2
0
56
0no
68
231
2
18
6
1
1
100
-7
7
8
20
4
0
-7
2
2
8
-8
2
-8
0
50
0no
73
251
2
113
56
0
0
100
-7
7
8
63
4
33
-7
6
6
45
108
16
3
6
76
1yes
87
165
26
103
20
0
0
100
-7
7
8
17
0
60
-7
0
0
0
55
1
3
0
50
0no
83
161
3
85
24
0
0
100
-7
7
8
8
1
21
-7
1
1
5
75
4
2
0
50
0no
72
191
1
39
23
0
0
100
-7
7
8
35
5
19
-7
3
3
30
97
6
2
1
44
1yes
57
132
1
9
12
0
0
100
-7
7
8
5
10
23
-7
8
8
31
98
7
3
1
85
1yes
77
193
23
43
8
0
0
100
-7
7
8
18
0
13
-7
0
0
45
9
5
1
0
86
0no
72
117
37
119
9
1
0
90
22
6
5
18
0
20
-7
0
0
24
-8
5
1
0
100
0no
81
-8
2
79
18
0
0
100
-7
7
8
0
2
42
-7
2
2
21
73
4
3
0
78
1yes
76
178
1
73
6
0
0
100
-7
7
8
11
1
38
-7
3
3
98
-8
3
2
1
83
1yes
56
237
6
108
16
0
0
69
1
4
6
17
1
13
-7
1
1
93
-8
4
1
3
83
1yes
67
325
13
106
12
0
0
62
1
4
6
33
0
38
-7
0
0
92
14
2
2
-8
80
1yes
79
150
4
76
19
0
0
100
-7
7
8
29
1
20
-7
2
2
46
-8
2
1
1
44
0no
66
357
19
115
16
1
1
76
36
6
6
17
0
35
-7
1
1
21
6
4
3
0
73
0no
75
146
1
69
16
0
0
100
-7
7
8
20
6
25
-7
2
2
43
98
3
2
0
63
1yes
68
214
2
17
8
0
0
90
-8
6
6
10
3
20
-7
0
0
52
-8
4
1
0
71
0no
75
224
19
97
21
0
0
100
-7
7
8
21
0
33
-7
0
0
57
49
2
2
2
36
0no
77
160
1
67
23
0
0
100
-7
7
8
33
4
17
-7
4
4
22
-8
5
1
0
55
1yes
64
180
2
63
46
0
0
98
38
6
6
23
6
44
-7
2
2
77
93
8
5
6
81
1yes
78
30
6
37
18
0
0
100
-7
7
8
2
3
44
-7
0
0
17
21
2
2
0
44
0no
77
145
3
66
20
0
0
95
61
6
6
25
2
35
-7
0
0
22
66
4
3
0
70
0no
64
168
1
71
22
2
2
96
66
6
2
21
2
33
-7
3
3
91
70
2
4
1
100
1yes
83
-8
6
55
6
0
0
100
-7
7
8
0
3
67
-7
1
1
15
101
2
2
0
100
0no
59
176
19
65
16
1
1
71
20
6
2
17
0
82
-7
1
0
90
72
1
3
1
100
1yes
55
88
4
43
9
1
0
82
2
3
5
12
2
27
-7
1
1
22
-8
3
1
0
57
1yes
59
217
8
77
48
0
0
90
11
4
6
29
2
22
-7
5
3
42
80
14
4
3
70
1yes
65
77
17
52
18
1
0
95
4
3
5
14
0
42
-7
1
1
30
68
6
4
1
77
1yes
88
188
17
107
9
0
0
100
-7
7
8
16
0
33
-7
0
0
0
69
1
2
0
57
1yes
58
191
2
75
16
2
2
67
5
4
4
15
3
62
-7
2
2
0
44
1
5
0
55
1yes
72
335
8
79
26
1
1
100
-7
0
8
19
1
35
-7
1
1
26
68
4
2
1
50
1yes
57
-8
7
58
15
1
1
88
3
4
6
0
1
19
-7
2
2
69
-8
10
1
2
92
1yes