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
80
115
2
36
6
0
0
100
-7
7
8
13
4
14
0
5
5
4
95
3
1
0
67
1yes
67
59
83
125
5
2
2
83
75
6
2
1
0
67
21
0
0
-8
23
-8
2
-8
100
1yes
60
511
3
40
24
0
0
83
6
4
6
37
3
33
0
2
2
50
44
4
3
1
54
0no
87
310
13
95
19
0
0
100
-7
7
8
25
0
26
4
1
1
12
26
3
3
0
60
0no
54
-8
9
57
20
1
1
88
5
4
6
0
2
67
9
0
0
68
79
2
6
1
90
1yes
48
151
9
101
50
1
1
83
3
0
2
8
3
48
1
2
2
74
75
17
7
6
89
1yes
65
165
2
37
14
1
1
100
-7
6
8
25
2
40
1
5
5
38
85
4
4
1
73
0no
61
111
1
25
9
1
1
100
-7
6
8
14
4
64
0
3
3
65
88
2
6
1
90
1yes
74
202
9
108
15
0
0
94
33
6
6
28
1
63
-8
0
0
48
82
2
1
1
75
0no
68
178
1
66
21
0
0
96
7
4
6
44
6
74
5
0
0
38
80
3
3
2
75
0no
61
275
5
102
34
3
1
87
14
6
4
43
1
24
3
1
1
58
77
18
3
7
81
1yes
80
276
18
128
24
0
0
100
-7
7
8
36
0
13
2
1
1
17
76
5
3
0
69
0no
58
136
13
150
14
1
0
71
1
3
5
13
0
12
12
0
0
47
-8
8
1
3
82
1yes
61
214
5
92
38
0
0
95
4
4
6
79
2
21
1
6
6
26
76
5
2
3
33
1yes
88
168
3
89
20
0
0
100
-7
6
7
11
1
20
20
1
1
5
-8
3
-8
0
43
0no
89
125
48
69
7
0
0
100
-7
7
8
4
0
14
-8
0
0
4
-8
2
1
0
100
0no
82
233
2
92
56
0
0
100
-7
7
8
66
9
49
0
1
1
8
64
2
13
2
62
0no
74
-8
9
47
29
1
1
97
55
6
2
0
1
26
4
2
2
14
-8
5
1
0
39
0no
77
337
22
70
13
0
0
92
14
6
6
14
0
54
9
0
0
0
-8
1
2
1
75
0no
68
334
3
98
24
0
0
100
-7
7
8
42
1
21
2
2
2
88
-8
5
2
3
88
1yes
70
166
26
94
17
2
1
89
36
6
3
12
0
16
3
1
1
58
-8
8
1
1
82
1yes
78
212
36
96
11
0
0
100
-7
7
8
13
0
15
4
1
1
50
-8
4
1
2
71
1yes
83
294
2
106
22
2
1
92
43
6
4
47
3
16
2
1
1
0
35
2
2
0
44
0no
60
163
2
57
43
1
0
96
22
6
5
47
11
44
0
8
8
35
62
7
1
1
47
1yes
68
77
13
109
17
1
1
78
10
0
2
3
0
33
13
0
0
20
-8
6
1
1
78
1yes
70
156
42
82
4
1
1
100
-7
6
8
10
0
0
-8
0
0
-8
-8
1
-8
-8
100
1yes
74
158
8
88
37
0
0
97
24
6
6
4
1
42
0
2
2
37
56
3
4
1
78
1yes
66
305
2
91
44
1
0
93
34
6
5
31
5
17
9
0
0
54
80
12
3
3
63
0no
78
117
1
57
29
0
0
100
-7
7
8
24
3
30
0
1
1
0
-8
0
2
0
20
0no
60
62
7
35
17
0
0
88
12
6
6
2
2
18
0
1
1
63
46
3
2
3
45
1yes
62
254
20
69
11
5
4
69
24
6
2
21
0
44
-8
0
0
40
44
5
2
2
100
1yes
77
257
11
103
21
0
0
100
-7
7
8
21
2
45
2
1
1
20
71
2
2
1
56
0no
64
429
10
64
25
0
0
85
46
6
6
2
2
37
0
2
2
41
70
8
2
2
67
1yes
63
-8
23
50
5
1
1
67
19
5
2
0
0
33
8
1
0
6
-8
2
1
-8
100
1yes
70
175
2
113
39
0
0
93
69
5
6
21
3
23
2
1
1
45
-8
6
-8
0
60
0no
55
284
4
81
21
3
0
84
1
3
5
25
4
4
6
0
0
21
-8
7
1
1
42
1yes
69
91
18
53
36
0
0
100
-7
7
8
41
0
33
4
1
1
72
53
8
5
2
87
0no
79
-8
1
100
15
0
0
100
-7
7
8
0
1
13
0
3
3
43
28
7
1
2
80
0no
91
148
17
113
13
0
0
100
-7
7
8
12
0
15
4
1
1
2
-8
4
-8
0
44
0no
67
137
15
82
23
0
0
100
-7
7
8
2
0
17
0
1
1
66
-8
4
1
3
50
1yes
82
141
10
73
26
0
0
100
-7
7
8
9
1
50
5
0
0
28
52
2
3
1
63
0no
72
211
39
121
15
0
0
82
4
4
6
15
0
41
12
0
0
43
45
3
2
0
83
1yes
59
153
12
61
18
1
1
84
76
0
6
9
0
26
15
0
0
85
89
7
2
3
82
1yes
66
229
3
91
30
0
0
100
-7
7
8
58
3
21
0
1
1
90
86
10
2
8
86
1yes
62
229
10
45
22
0
0
87
6
4
6
43
2
35
10
0
0
43
-8
4
2
1
50
1yes
68
115
13
48
15
0
0
80
12
6
6
15
0
33
6
0
0
2
51
3
3
0
78
1yes
69
218
1
52
15
0
0
100
-7
7
8
35
6
25
9
0
0
71
69
7
3
2
91
1yes
86
29
20
65
11
0
0
100
-7
7
8
1
0
36
20
0
0
0
49
0
2
0
25
0no
85
179
3
66
20
0
0
100
-7
7
8
26
2
40
0
2
2
9
76
1
4
0
50
0no
73
302
5
114
14
1
1
93
19
6
6
5
1
29
-8
0
0
1
-8
1
1
0
33
0no
75
243
19
119
58
0
0
100
-7
6
7
50
0
39
0
4
4
73
-8
10
2
6
70
0no
66
176
4
86
34
2
1
89
3
0
5
33
2
14
3
1
1
16
33
11
3
0
67
0no
76
320
5
151
26
0
0
96
12
6
6
24
3
38
4
1
1
23
16
6
2
0
75
0no
57
231
10
19
7
0
0
100
-7
7
8
25
2
43
6
0
0
97
78
4
2
3
100
1yes
79
180
7
99
26
0
0
100
-7
7
8
10
2
23
2
1
1
28
34
4
3
1
58
0no
59
-8
9
44
21
0
0
95
28
6
6
0
3
19
1
1
1
51
96
10
3
4
78
1yes
86
-8
7
145
12
0
0
100
-7
7
8
0
2
25
7
0
0
11
35
4
2
0
67
0no
65
238
5
89
52
1
0
93
3
3
5
66
2
25
6
1
0
46
78
12
5
4
75
1yes
66
229
7
112
28
1
1
84
18
5
3
63
2
39
5
0
0
72
83
7
4
1
73
1yes
64
137
2
59
29
0
0
94
-7
5
7
33
7
28
1
3
3
36
54
13
3
3
94
1yes
80
104
10
93
36
0
0
97
36
6
6
6
1
23
8
0
0
18
-8
3
3
0
46
0no
67
182
2
18
4
1
1
100
-7
6
8
7
3
40
10
1
0
41
-8
2
1
1
75
1yes
62
191
8
92
30
0
0
85
1
4
6
28
3
62
9
0
0
53
61
4
8
3
87
1yes
65
226
4
82
48
0
0
100
-7
7
8
19
2
10
0
8
8
58
44
10
3
4
57
1yes
73
489
3
63
29
0
0
93
21
6
6
27
3
47
0
2
2
31
80
2
4
1
46
1yes
74
234
2
104
34
0
0
100
-7
7
8
20
3
50
14
0
0
69
55
3
3
1
88
1yes
86
148
2
77
24
0
0
96
47
6
6
26
1
46
2
2
2
3
-8
2
-8
0
33
0no
70
244
4
131
34
0
0
97
-7
5
7
23
1
24
-8
0
0
78
76
14
2
6
84
1yes
74
169
6
79
57
0
0
100
-7
7
8
31
4
39
12
0
0
61
93
5
4
1
82
1yes
77
212
13
80
18
0
0
100
-7
7
8
27
0
28
0
2
2
36
-8
8
1
1
91
1yes
91
-8
28
170
6
0
0
100
-7
7
8
0
0
57
-8
0
0
2
10
1
2
0
75
0no
86
-8
0
70
16
0
0
100
-7
7
8
0
3
29
19
0
0
8
91
3
2
0
50
0no
85
58
64
118
17
0
0
100
-7
7
8
1
0
41
2
1
1
29
-8
1
-8
0
50
1yes
75
80
6
91
14
1
1
93
11
0
2
4
1
33
-8
0
0
26
32
4
2
0
67
0no
72
254
24
106
23
1
0
92
14
6
5
15
0
42
0
7
7
45
15
2
4
0
60
0no
82
271
2
79
25
0
0
100
-7
7
8
33
3
31
2
1
1
2
74
4
2
0
50
0no
64
226
1
102
44
0
0
98
1
4
6
50
1
28
1
2
2
59
100
10
3
4
62
0no
64
203
13
88
9
3
0
57
12
6
5
21
0
50
14
0
0
0
80
1
4
-8
83
1yes
60
283
5
88
19
0
0
89
1
4
6
19
1
47
5
2
2
95
95
2
2
1
67
1yes
57
258
1
119
41
2
2
91
1
4
2
19
3
18
0
2
2
12
-8
6
2
2
38
1yes
56
199
28
63
1
2
2
33
80
5
2
11
0
33
4
1
1
-8
-8
-8
1
-8
100
1yes
88
211
2
57
19
0
0
100
-7
7
8
38
1
14
-8
0
0
6
10
3
2
0
45
0no
72
365
1
46
21
0
0
95
53
6
6
40
3
9
11
0
0
20
-8
7
1
1
56
1yes
73
201
2
93
54
2
2
97
52
6
6
57
8
19
3
4
4
7
93
8
2
2
56
0no
61
271
2
48
14
2
1
68
14
6
3
34
4
42
3
2
2
76
97
5
2
1
88
1yes
82
127
4
57
50
0
0
100
-7
5
7
28
3
20
9
0
0
19
98
6
4
0
59
1yes
75
204
17
86
28
1
1
100
-7
0
8
46
0
10
14
0
0
1
49
2
1
0
19
0no
79
-8
10
83
19
1
1
95
64
6
3
0
1
48
17
0
0
4
65
2
3
0
83
0no
62
197
13
81
22
1
1
74
3
4
3
18
0
22
0
1
1
30
91
4
2
1
50
1yes
69
141
5
115
8
1
1
90
31
6
4
26
1
80
5
0
0
77
75
1
2
1
100
1yes
85
242
19
103
15
0
0
100
-7
7
8
18
0
19
-8
0
0
18
-8
6
1
0
70
0no
65
159
28
49
11
0
0
91
14
6
6
22
0
27
9
0
0
52
-8
4
1
1
83
1yes
85
-8
21
158
7
0
0
100
-7
7
8
0
0
14
21
0
0
32
-8
1
1
0
33
1yes
90
320
8
85
8
0
0
100
-7
7
8
8
1
25
12
0
0
2
-8
2
-8
-8
67
0no
72
245
9
95
30
3
1
88
18
6
5
29
1
44
0
1
1
25
82
2
5
-8
89
0no
89
221
3
74
15
0
0
100
-7
7
8
24
2
47
2
2
2
4
99
2
1
0
60
0no
69
217
5
98
32
0
0
91
1
4
6
38
1
31
17
0
0
24
92
6
3
0
64
0no
57
338
3
63
13
2
1
67
13
6
5
17
1
60
1
2
2
55
90
1
4
1
56
1yes
70
59
15
46
23
0
0
96
25
6
6
19
0
48
-8
0
0
63
51
5
1
2
100
1yes
71
-8
2
102
16
1
1
100
-7
6
8
0
6
18
1
4
4
22
92
3
2
0
45
0no