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
132
3
49
30
0
0
100
-7
7
8
39
3
57
0
4
4
65
75
10
2
2
86
0no
77
261
18
100
32
1
1
100
-7
6
8
42
0
38
1
2
2
2
-8
3
-8
0
60
0no
79
187
8
52
13
0
0
92
53
6
6
20
3
54
8
0
0
2
93
1
3
0
57
0no
61
176
4
95
25
3
3
100
-7
0
8
25
1
24
1
1
1
31
78
2
2
0
56
0no
79
49
4
62
28
0
0
100
-7
7
8
6
3
36
1
1
1
26
71
2
2
1
71
0no
68
224
23
131
9
0
0
89
37
6
6
11
0
11
12
0
0
87
-8
5
1
3
75
0no
66
23
3
36
21
0
0
100
-7
7
8
8
2
19
0
1
1
45
72
11
3
5
74
1yes
61
289
32
109
31
0
0
97
12
6
6
12
0
35
8
0
0
86
74
12
3
8
100
1yes
70
186
5
75
35
2
2
87
28
6
2
24
4
16
1
2
2
26
33
4
2
1
33
1yes
63
170
11
75
14
1
1
87
8
2
4
15
1
13
0
2
2
56
-8
5
-8
2
70
1yes
59
191
6
82
46
0
0
93
1
4
6
7
1
9
3
1
1
55
64
21
1
7
65
1yes
85
386
6
189
26
0
0
100
-7
7
8
28
2
15
7
0
0
12
47
3
1
0
24
0no
64
152
3
80
31
0
0
94
3
4
6
42
2
22
12
0
0
18
-8
6
1
1
50
1yes
50
239
10
76
21
4
3
72
2
0
2
9
2
36
0
2
2
58
94
5
3
0
80
1yes
60
-8
3
73
19
3
3
84
76
0
6
0
3
42
8
0
0
22
73
1
2
0
33
1yes
85
223
2
98
27
0
0
96
-8
6
6
28
3
25
2
1
1
6
66
4
2
0
50
0no
73
214
4
122
27
0
0
96
34
6
6
31
2
37
4
3
3
16
93
2
2
0
40
1yes
72
345
8
88
54
1
1
98
33
0
6
52
2
24
6
0
0
10
39
3
4
0
67
0no
67
213
1
56
53
1
0
98
42
6
5
59
11
18
2
2
2
22
89
7
5
1
52
1yes
74
91
4
48
2
0
0
50
-7
5
7
2
1
100
3
3
3
-8
97
-8
2
-8
100
1yes
79
187
2
64
24
0
0
92
39
6
6
63
2
32
1
6
5
7
-8
3
1
0
40
1yes
69
138
12
19
6
0
0
100
-7
7
8
3
0
17
22
0
0
64
-8
2
1
1
75
1yes
63
158
6
56
24
0
0
92
2
4
6
16
2
24
5
0
0
7
6
2
2
0
29
1yes
73
167
5
50
28
0
0
100
-7
7
8
17
5
34
0
1
1
21
93
2
7
1
47
0no
80
264
5
53
16
0
0
100
-7
7
8
27
1
75
-8
0
0
42
23
2
3
0
83
0no
61
296
9
122
11
1
1
82
24
0
6
46
1
64
3
1
1
29
61
2
4
1
75
0no
66
60
25
115
34
1
0
97
0
3
5
2
0
29
-8
0
0
1
52
3
6
0
38
0no
60
97
14
76
18
0
0
78
2
4
6
7
0
33
-8
0
0
97
10
2
2
2
100
1yes
57
158
2
121
22
0
0
91
2
4
6
8
1
39
0
8
8
61
53
7
3
4
86
1yes
75
146
14
73
8
0
0
75
5
4
6
57
0
38
22
0
0
0
-8
0
1
-8
50
1yes
71
206
2
63
17
0
0
94
49
6
6
35
1
33
0
4
4
74
27
2
2
2
67
1yes
77
349
3
77
36
0
0
97
21
6
6
7
1
22
0
1
1
4
56
4
2
0
46
1yes
88
286
4
57
6
0
0
100
-7
7
8
14
1
33
3
2
2
14
-8
1
-8
0
33
0no
65
162
16
102
17
3
2
70
10
4
4
23
0
39
-8
0
0
57
6
4
3
1
89
1yes
68
263
4
95
32
1
1
94
18
6
3
45
5
14
1
1
1
36
-8
7
3
4
63
1yes
63
191
23
68
12
1
1
92
4
0
6
8
0
58
4
1
1
4
40
1
3
0
67
1yes
69
158
3
53
24
2
0
92
-8
6
5
4
4
23
0
2
2
40
55
8
2
1
63
1yes
40
166
3
100
12
11
7
48
1
0
2
23
1
17
3
5
5
72
-8
11
1
3
87
1yes
63
211
1
41
33
1
1
97
53
6
2
31
14
11
2
3
3
66
91
24
3
9
84
1yes
60
159
6
69
15
0
0
73
2
4
6
22
1
33
13
0
0
62
42
4
3
2
88
1yes
80
251
7
79
46
0
0
100
-7
6
7
44
3
40
7
0
0
20
82
6
3
0
47
0no
74
-8
2
65
35
0
0
100
-7
7
8
0
2
28
0
1
1
19
-8
4
3
1
70
0no
57
23
8
56
4
2
1
67
16
6
4
1
1
33
1
2
2
92
75
1
1
-8
67
1yes
78
200
28
69
3
0
0
100
-7
7
8
6
0
0
0
1
1
30
-8
2
-8
1
100
1yes
73
320
3
82
33
0
0
100
-7
7
8
23
8
21
3
3
2
26
91
4
4
1
45
0no
79
233
3
83
47
0
0
100
-7
7
8
68
3
28
0
8
8
33
91
6
6
2
63
1yes
67
176
7
73
24
1
1
92
10
4
4
19
3
20
9
0
0
26
-8
9
1
1
65
0no
83
293
12
109
22
1
1
96
26
6
4
17
0
35
12
0
0
0
62
1
2
-8
44
0no
56
-8
9
80
19
4
1
71
1
3
4
0
2
33
15
0
0
46
50
6
4
2
73
0no
63
94
1
28
17
0
0
100
-7
7
8
25
2
56
1
5
5
82
70
6
2
2
100
1yes
90
-8
1
119
19
0
0
95
-7
5
7
0
1
19
-8
0
0
7
24
3
2
0
56
0no
77
206
11
90
15
0
0
100
-7
7
8
20
1
27
10
0
0
38
-8
3
1
1
67
0no
73
323
6
102
31
0
0
100
-7
7
8
38
1
19
0
2
1
47
90
8
2
3
59
0no
69
231
8
77
22
0
0
100
-7
7
8
70
3
14
1
5
5
97
-8
8
-8
7
100
1yes
84
196
13
144
48
0
0
100
-7
7
8
19
0
36
0
3
2
23
-8
4
1
1
56
0no
75
135
3
58
32
0
0
97
29
6
6
22
3
6
7
0
0
17
-8
6
1
0
70
0no
62
-8
8
32
5
1
0
83
11
3
5
0
2
50
1
3
3
37
75
3
1
1
100
1yes
82
260
7
84
26
0
0
96
16
6
6
44
2
61
0
2
2
14
61
3
5
1
80
0no
83
319
13
82
20
0
0
100
-7
7
8
46
0
20
13
0
0
34
-8
4
1
0
42
0no
77
208
21
115
9
0
0
100
-7
7
8
16
0
44
6
0
0
0
-8
0
2
-8
40
1yes
82
159
1
95
19
0
0
100
-7
7
8
5
2
70
-8
0
0
42
67
3
3
0
67
0no
75
255
3
102
30
0
0
97
22
6
6
39
2
23
-8
0
0
31
72
9
6
2
57
0no
90
332
6
121
7
0
0
100
-7
7
8
11
1
0
23
0
0
14
-8
3
-8
0
60
0no
79
153
4
64
11
0
0
100
-7
7
8
8
3
36
11
0
0
68
54
3
3
1
86
0no
61
197
5
54
40
1
1
95
3
0
2
23
1
15
4
2
2
60
39
16
2
7
67
1yes
77
189
7
17
11
0
0
100
-7
7
8
21
4
36
0
2
2
3
74
2
3
0
86
0no
63
257
12
84
31
0
0
97
14
6
6
61
0
29
0
4
4
70
73
10
3
5
70
1yes
61
264
32
109
30
0
0
97
12
6
6
35
0
37
0
1
1
86
74
11
3
8
93
1yes
77
94
2
83
16
0
0
100
-7
7
8
15
1
28
1
2
1
41
-8
4
1
1
56
1yes
86
169
8
141
24
0
0
100
-7
7
8
6
1
8
1
2
1
9
-8
1
1
0
18
1yes
86
126
3
51
36
0
0
100
-7
7
8
27
2
6
13
0
0
1
-8
4
-8
0
24
0no
82
234
2
93
54
0
0
100
-7
7
8
43
4
22
2
2
2
5
31
5
1
1
32
0no
87
171
6
141
40
0
0
100
-7
7
8
57
2
39
6
0
0
5
-8
2
2
0
31
0no
65
266
5
92
32
0
0
94
53
6
6
29
1
6
0
1
1
49
-8
16
1
8
77
0no
56
58
4
27
30
0
0
97
1
4
6
33
6
15
4
1
1
29
37
10
2
2
50
1yes
84
424
32
145
15
0
0
93
19
6
6
15
0
47
-8
0
0
1
14
2
2
0
57
0no
67
-8
14
67
3
1
1
100
-7
6
8
0
0
0
0
2
2
42
-8
2
-8
0
100
0no
68
123
20
44
7
0
0
86
10
6
6
7
0
29
1
1
1
26
72
2
2
0
80
0no
86
244
3
106
28
0
0
100
-7
7
8
11
3
7
-8
0
0
4
-8
3
-8
1
25
0no
72
320
4
71
28
0
0
96
40
6
6
20
6
25
5
3
3
13
68
7
3
1
85
0no
83
130
1
62
31
0
0
100
-7
7
8
37
1
9
18
0
0
6
-8
3
1
0
33
0no
60
53
14
32
5
3
2
71
14
6
2
7
0
57
3
6
6
4
-8
1
1
0
67
1yes
76
188
4
89
28
0
0
100
-7
7
8
31
2
32
20
0
0
37
81
3
3
1
60
0no
87
193
20
77
6
0
0
100
-7
7
8
8
0
67
-8
0
0
0
19
0
1
0
50
0no
87
-8
32
97
16
0
0
100
-7
7
8
0
0
41
-8
0
0
9
79
3
2
0
83
0no
64
-8
6
65
31
1
1
88
3
2
4
0
2
44
6
1
0
28
87
6
5
1
65
1yes
66
-8
7
78
32
4
4
86
7
6
2
0
3
19
0
1
1
33
19
7
3
1
65
1yes
79
252
10
99
26
1
1
89
38
5
3
28
1
43
10
0
0
2
15
3
2
0
56
0no
69
307
9
108
20
0
0
81
3
4
6
21
1
33
6
0
0
20
58
4
3
0
89
1yes
59
-8
3
46
27
0
0
100
-7
7
8
0
4
37
1
5
5
63
72
9
6
3
94
1yes
67
134
6
17
8
0
0
100
-7
7
8
49
5
25
3
2
2
61
58
4
2
1
75
1yes
84
380
10
100
15
0
0
100
-7
7
8
51
1
27
5
0
0
0
87
1
2
0
33
1yes
80
113
5
48
13
0
0
86
26
6
6
14
2
14
4
1
1
0
-8
0
1
0
17
1yes
68
171
9
67
39
2
2
93
24
6
2
40
1
43
0
2
2
49
52
5
4
2
75
0no
75
172
4
81
25
0
0
100
-7
7
8
12
2
32
4
0
0
28
-8
6
1
1
64
0no
92
233
25
152
35
0
0
100
-7
7
8
36
0
11
-8
0
0
0
-8
2
1
0
38
0no
89
447
10
136
6
0
0
100
-7
7
8
7
1
43
11
0
0
13
-8
1
1
0
67
0no
77
298
10
121
23
0
0
100
-7
7
8
24
2
25
1
3
3
48
87
5
1
1
67
0no
73
125
3
32
15
0
0
100
-7
7
8
29
1
7
0
4
4
28
-8
3
-8
1
25
1yes
80
180
23
118
15
0
0
100
-7
7
8
27
0
7
10
0
0
42
-8
2
-8
1
33
1yes