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
77
300
5
108
13
1
0
93
72
6
5
9
1
50
-7
1
1
63
67
1
2
1
80
1yes
67
293
2
78
26
0
0
100
-7
7
8
27
4
26
-7
1
1
50
75
8
2
3
61
1yes
60
120
13
95
8
2
2
73
1
0
2
19
0
27
-7
0
0
8
-8
3
2
0
75
1yes
78
72
1
52
6
0
0
100
-7
7
8
1
1
43
-7
1
1
42
-8
2
2
1
80
1yes
75
179
27
117
20
1
1
95
13
6
2
6
0
29
-7
1
1
14
-8
6
1
1
54
0no
79
199
12
87
12
0
0
92
9
4
6
14
0
17
-7
0
0
1
-8
3
1
0
67
0no
75
310
1
83
25
0
0
100
-7
7
8
13
4
32
-7
1
1
28
83
3
4
1
62
0no
88
133
14
63
5
0
0
100
-7
7
8
6
0
40
-7
0
0
4
44
1
2
0
75
1yes
70
166
17
77
27
0
0
81
3
4
6
17
0
30
-7
0
0
25
-8
3
2
0
36
1yes
59
295
12
113
18
0
0
56
2
4
6
43
0
17
-7
0
0
58
19
7
2
3
75
1yes
74
206
9
66
16
0
0
100
-7
7
8
37
1
25
-7
2
2
52
56
6
2
1
73
0no
59
120
7
32
7
1
1
86
5
4
6
24
2
57
-7
1
1
42
95
1
2
0
100
1yes
64
136
0
21
13
0
0
100
-7
7
8
29
5
43
-7
0
0
58
73
4
2
3
75
0no
85
157
18
62
12
0
0
100
-7
7
8
12
0
8
-7
0
0
13
57
8
1
0
90
1yes
64
278
16
196
34
2
1
81
9
4
4
36
0
17
-7
0
0
88
-8
16
1
3
95
1yes
59
134
4
68
19
2
0
78
30
6
5
23
2
43
-7
0
0
88
85
5
2
1
88
1yes
67
247
3
119
27
0
0
93
4
4
6
3
3
22
-7
1
1
53
98
7
2
2
60
0no
67
132
2
57
18
0
0
100
-7
7
8
8
2
10
-7
5
5
74
-8
5
-8
2
71
1yes
70
52
17
42
8
0
0
100
-7
7
8
8
0
38
-7
0
0
95
-8
3
1
2
67
1yes
73
437
2
149
18
1
1
90
27
6
6
18
4
19
-7
2
2
39
-8
3
1
0
42
0no
87
156
19
70
15
0
0
100
-7
7
8
16
0
27
-7
2
2
2
35
2
2
0
44
1yes
85
220
1
87
20
0
0
100
-7
7
8
18
3
19
-7
3
3
8
67
3
3
0
50
0no
66
68
5
58
27
1
1
93
28
6
6
5
3
30
-7
2
2
24
18
5
3
0
60
1yes
63
151
2
59
20
4
2
78
9
4
2
46
3
15
-7
1
1
19
57
4
1
1
38
1yes
68
-8
3
80
32
0
0
97
21
6
6
0
4
16
1
2
2
32
-8
11
1
2
87
1yes
64
163
13
57
12
2
2
79
57
6
3
4
0
57
23
2
0
-8
-8
0
1
-8
67
1yes
59
84
5
73
20
3
1
73
7
3
5
2
2
45
3
5
5
33
8
4
1
1
75
1yes
64
-8
10
43
14
0
0
93
38
6
6
0
2
53
0
2
2
81
92
4
2
1
86
1yes
80
285
37
80
10
0
0
100
-7
7
8
29
0
40
18
0
0
45
-8
2
1
0
100
1yes
60
85
14
54
16
3
3
68
25
6
3
23
0
47
2
1
1
23
49
3
3
2
50
1yes
71
257
8
79
35
1
1
86
15
6
2
7
2
14
7
0
0
10
31
3
1
0
33
0no
80
173
15
82
18
0
0
100
-7
7
8
40
0
47
-8
0
0
32
67
3
4
0
88
0no
62
157
2
54
28
0
0
86
26
6
6
31
4
24
9
0
0
73
46
7
3
2
83
0no
65
125
1
62
44
0
0
100
-7
7
8
3
3
20
1
1
1
45
93
13
1
4
61
1yes
68
-8
4
91
22
0
0
95
4
4
6
0
1
45
3
1
1
40
58
4
3
2
78
1yes
62
69
5
24
8
1
1
89
33
6
6
9
3
33
1
2
2
92
-8
4
-8
3
67
1yes
80
231
3
61
27
0
0
100
-7
7
8
25
4
33
18
0
0
10
92
3
2
0
45
1yes
69
181
7
98
21
0
0
100
-7
7
8
37
1
33
21
0
0
84
94
7
2
4
91
0no
70
-8
2
54
33
0
0
100
-7
7
8
0
5
34
4
1
1
38
98
2
5
1
64
1yes
69
217
44
118
30
1
0
94
8
4
5
23
0
25
8
0
0
10
-8
9
-8
1
75
1yes
58
183
32
95
8
8
8
67
3
0
2
5
0
0
-8
0
0
0
-8
0
-8
0
25
1yes
72
160
20
98
4
1
0
80
25
6
5
15
0
0
1
1
1
74
-8
1
-8
0
100
1yes
57
303
2
37
30
0
0
94
19
6
6
37
3
48
0
7
7
39
74
10
8
1
78
1yes
63
235
7
123
4
13
9
44
17
6
4
9
1
44
7
0
0
1
48
1
2
0
60
1yes
80
150
9
26
7
0
0
100
-7
7
8
13
3
29
8
0
0
0
88
0
1
0
25
0no
76
125
1
84
39
0
0
100
-7
7
8
9
8
20
0
5
5
10
100
8
3
1
44
0no
54
134
2
60
30
0
0
85
11
4
6
16
4
32
0
3
3
26
53
5
2
1
50
1yes
69
-8
9
49
13
0
0
77
7
4
6
0
1
31
21
0
0
18
80
4
2
0
75
1yes
78
103
8
49
17
0
0
100
-7
7
8
13
1
76
9
0
0
19
86
1
7
0
80
0no
60
-8
0
62
30
1
1
94
21
6
3
0
4
22
4
2
2
67
98
12
2
4
76
1yes
70
113
13
21
9
0
0
100
-7
7
8
14
0
11
0
2
2
20
-8
3
1
1
50
1yes
57
260
10
136
9
3
3
82
2
0
2
11
1
18
0
1
1
34
-8
1
1
0
50
1yes
75
71
5
85
20
0
0
100
-7
7
8
6
1
35
15
0
0
89
64
5
2
3
78
1yes
68
148
4
22
7
0
0
100
-7
7
8
18
1
43
0
1
1
54
-8
4
1
2
100
1yes
59
134
6
48
11
1
1
60
3
4
4
26
2
40
17
0
0
49
91
4
3
0
70
1yes
66
288
10
77
27
0
0
96
26
6
6
44
1
44
12
0
0
72
86
7
2
3
100
1yes
79
97
9
44
26
0
0
96
60
6
6
26
1
12
5
0
0
5
-8
5
1
0
33
1yes
65
301
17
74
22
1
0
68
3
4
5
5
0
48
16
1
0
-8
44
0
4
-8
80
1yes
66
200
4
9
2
0
0
100
-7
7
8
15
1
50
0
2
2
97
-8
1
1
1
100
1yes
73
230
5
89
61
0
0
100
-7
6
7
37
3
18
0
2
2
59
72
9
1
7
53
1yes
62
236
18
88
26
0
0
88
10
4
6
45
0
23
2
3
3
49
57
10
2
2
75
0no
84
367
2
120
20
0
0
100
-7
7
8
23
2
29
0
8
8
7
75
2
3
0
50
1yes
63
118
1
63
65
0
0
100
-7
7
8
3
3
75
7
0
0
59
95
10
2
3
86
1yes
72
5
3
46
10
1
0
91
28
6
5
1
2
36
1
2
2
68
-8
1
1
1
50
1yes
56
102
4
52
32
0
0
94
19
6
6
11
1
22
0
4
4
69
89
6
5
3
55
1yes
68
146
2
75
36
3
3
92
12
0
6
50
3
41
16
0
0
3
92
4
3
0
58
0no
73
236
5
74
24
0
0
92
9
4
6
29
2
46
15
0
0
44
88
4
3
1
54
1yes
63
66
7
22
20
0
0
100
-7
7
8
16
4
10
4
1
1
47
38
8
2
1
79
1yes
68
256
8
8
1
0
0
100
-7
7
8
30
1
100
0
4
4
-8
-8
-8
1
-8
100
1yes
56
143
11
71
28
0
0
87
4
4
6
22
1
50
2
2
2
84
61
5
4
1
100
0no
76
258
3
90
40
2
1
91
74
6
4
35
9
23
6
0
0
28
-8
8
2
1
50
0no
88
-8
1
112
23
0
0
100
-7
7
8
0
2
33
3
1
1
1
87
1
2
0
30
0no
70
242
23
57
7
1
0
50
15
6
5
20
0
75
0
1
1
-8
57
-8
3
-8
100
1yes
61
92
9
86
25
0
0
96
6
4
6
30
1
44
1
2
2
65
86
5
3
3
100
1yes
81
149
2
64
24
0
0
96
45
6
6
3
5
41
0
8
8
8
12
3
2
0
42
0no
63
143
2
40
6
1
1
100
-7
6
8
18
3
43
0
1
1
68
78
2
3
0
83
1yes
74
341
4
89
26
2
1
82
8
4
4
33
2
4
6
0
0
7
49
6
1
0
50
1yes
73
89
8
68
17
1
0
89
28
6
5
9
2
28
8
0
0
0
95
1
3
0
83
0no
86
217
29
116
21
0
0
100
-7
7
8
19
0
14
-8
0
0
20
46
4
1
0
71
0no
86
166
12
81
12
0
0
100
-7
7
8
18
0
17
-8
0
0
2
98
4
1
0
83
0no
59
90
4
55
52
0
0
98
3
4
6
22
3
33
0
2
2
15
51
9
6
2
60
1yes
56
211
3
30
19
0
0
95
5
4
6
2
1
26
1
2
2
58
97
4
3
1
78
1yes
70
145
1
11
8
0
0
100
-7
7
8
8
4
30
1
4
4
28
-8
2
1
0
43
1yes
58
138
2
59
10
1
1
67
13
6
2
26
1
17
1
3
3
60
36
4
1
1
63
1yes
65
-8
7
19
27
0
0
100
-7
7
8
0
5
0
1
3
3
41
-8
4
-8
2
36
1yes
55
286
3
14
10
0
0
90
10
4
6
20
2
20
0
2
2
70
69
4
2
1
75
1yes
62
-8
6
127
18
1
1
95
17
0
6
0
2
26
0
2
2
3
-8
4
1
0
50
1yes
57
346
25
68
13
1
1
73
4
4
6
26
0
53
9
0
0
0
53
2
4
0
67
1yes
73
110
16
28
2
1
0
67
9
4
5
12
0
67
17
0
0
2
-8
1
1
0
100
1yes
57
189
4
71
26
1
0
86
4
4
5
23
4
32
4
1
1
62
18
5
3
2
67
0no
56
158
2
55
31
0
0
82
2
4
6
33
5
58
0
9
9
0
96
1
4
1
78
1yes
77
173
18
101
41
0
0
98
-7
5
7
40
0
18
21
0
0
49
-8
13
1
5
64
1yes
83
398
36
127
9
0
0
100
-7
7
8
12
0
22
0
5
5
0
-8
1
1
-8
50
1yes
87
443
4
151
22
0
0
100
-7
7
8
25
3
27
0
2
2
1
48
3
2
0
55
0no
86
253
7
64
42
0
0
100
-7
7
8
66
1
19
13
0
0
1
41
2
2
0
17
0no
75
360
4
68
42
0
0
100
-7
7
8
22
3
14
0
1
1
11
79
10
2
0
48
0no
65
150
5
47
24
1
1
84
11
4
3
36
1
28
0
2
2
51
93
7
2
1
69
0no
66
252
5
72
32
0
0
97
51
6
6
9
3
59
5
1
0
78
72
6
3
1
91
1yes
82
247
21
99
28
0
0
100
-7
7
8
32
0
32
15
0
0
20
30
5
3
1
67
0no
73
105
12
14
3
0
0
100
-7
7
8
8
0
0
3
1
1
54
-8
2
-8
0
67
1yes