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
88
19
24
162
17
0
0
100
-7
7
8
5
0
18
-8
1
1
17
-8
4
1
0
45
0no
84
172
3
33
17
0
0
100
-7
7
8
13
3
35
16
0
0
6
100
1
2
0
38
0no
66
310
3
67
55
0
0
100
-7
7
8
65
16
23
1
19
19
42
84
21
11
5
73
1yes
74
222
3
102
24
1
1
96
50
6
2
27
2
37
0
2
2
3
-8
3
-8
0
27
0no
89
280
10
90
19
0
0
100
-7
7
8
20
1
16
-8
0
0
1
-8
2
1
0
33
0no
62
-8
5
38
13
0
0
92
1
4
6
0
3
29
5
0
0
58
97
5
3
1
89
1yes
71
55
3
25
9
1
1
100
-7
6
8
9
3
44
2
1
1
1
-8
1
1
0
33
1yes
68
168
10
33
8
0
0
100
-7
7
8
27
3
38
1
3
3
70
74
4
3
1
100
0no
79
149
4
58
29
0
0
100
-7
7
8
32
4
6
0
3
3
6
92
2
2
0
27
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
78
158
6
80
37
0
0
97
32
6
6
38
3
58
0
2
2
0
88
1
3
0
36
1yes
79
335
11
106
44
0
0
96
35
6
6
45
1
40
11
0
0
3
74
1
4
0
46
0no
60
263
1
108
26
2
1
83
3
4
2
23
2
23
0
2
1
49
95
11
1
2
71
1yes
84
131
4
57
9
0
0
100
-7
7
8
10
1
56
10
0
0
11
76
2
3
0
83
1yes
77
222
4
102
39
0
0
100
-7
7
8
39
1
26
1
1
1
30
73
16
3
1
87
1yes
59
-8
4
78
17
0
0
76
1
4
6
0
2
29
0
2
2
53
80
4
3
1
70
1yes
66
32
20
60
20
0
0
86
3
4
6
3
0
19
8
0
0
22
85
3
2
0
56
0no
72
435
48
48
1
0
0
0
25
6
6
24
0
100
0
2
2
-8
-8
-8
1
-8
100
0no
67
183
17
76
36
1
1
97
2
1
3
41
0
16
4
2
2
2
60
2
3
0
36
0no
86
404
1
101
24
0
0
97
16
6
6
29
3
24
18
0
0
3
48
4
1
0
38
0no
77
252
4
54
24
0
0
100
-7
7
8
37
3
42
3
2
2
15
78
4
5
1
64
1yes
63
175
3
61
19
0
0
100
-7
7
8
16
5
37
4
1
1
95
91
8
4
4
92
1yes
79
298
8
87
30
0
0
90
18
6
6
34
2
29
7
0
0
14
18
5
2
0
64
1yes
89
273
8
149
17
0
0
100
-7
6
7
69
1
24
-8
0
0
2
-8
4
-8
0
57
1yes
93
146
13
159
11
0
0
100
-7
7
8
10
0
27
-8
0
0
0
-8
1
1
0
40
1yes
67
169
9
43
37
0
0
100
-7
7
8
28
2
16
0
3
3
68
77
7
1
6
82
1yes
79
235
2
105
67
0
0
100
-7
7
8
47
4
3
1
1
1
9
13
11
1
0
42
0no
81
156
8
71
23
0
0
96
18
6
6
24
2
67
3
1
1
11
91
2
2
-8
67
1yes
61
223
5
60
11
0
0
91
24
6
6
8
1
9
7
0
0
38
-8
4
1
1
56
0no
78
172
13
73
13
0
0
100
-7
7
8
13
0
57
14
0
0
21
80
3
2
1
83
0no
82
445
14
217
21
1
1
95
22
6
3
27
0
14
23
0
0
5
-8
4
-8
0
33
0no
74
215
5
75
29
1
1
87
43
6
4
42
1
32
11
0
0
57
-8
3
1
0
44
0no
75
156
6
60
28
0
0
100
-7
7
8
29
3
32
9
0
0
42
93
5
1
0
67
0no
76
270
5
97
19
3
3
95
62
6
2
5
1
35
5
0
0
2
70
4
3
0
58
0no
65
181
5
12
3
0
0
100
-7
7
8
5
2
100
1
1
1
-8
98
-8
3
-8
100
0no
78
195
1
38
29
0
0
100
-7
6
7
38
5
51
0
6
6
10
95
4
13
0
68
0no
85
282
17
89
13
0
0
100
-7
7
8
13
0
46
23
0
0
16
53
3
2
1
71
0no
82
256
6
77
17
0
0
100
-7
7
8
51
1
22
1
1
1
37
-8
3
1
2
80
1yes
88
-8
8
90
23
0
0
100
-7
7
8
0
2
9
-8
0
0
0
92
1
1
0
33
0no
82
161
1
52
23
0
0
100
-7
7
8
25
3
48
0
4
4
2
78
2
4
0
43
1yes
72
184
5
100
22
0
0
82
1
4
6
5
3
18
17
0
0
2
52
6
3
1
60
1yes
55
171
10
65
52
1
1
98
1
4
6
54
1
69
1
2
2
83
56
6
12
2
90
1yes
84
283
11
107
40
0
0
100
-7
7
8
20
1
13
10
0
0
10
-8
5
1
0
32
0no
60
299
6
123
9
2
2
60
30
6
4
9
3
27
0
1
1
65
70
6
2
0
100
1yes
83
391
23
145
25
0
0
96
40
6
6
51
0
26
23
0
0
5
15
3
2
0
38
0no
70
259
5
81
23
1
1
91
27
6
6
22
1
35
0
2
2
38
39
11
2
3
81
1yes
60
189
3
80
42
0
0
95
30
6
6
42
5
33
3
1
1
60
76
15
11
5
84
0no
66
244
11
128
30
0
0
93
4
4
6
10
1
43
2
1
1
23
74
8
4
2
100
1yes
66
164
5
56
11
1
1
91
24
6
6
13
2
91
7
0
0
98
81
1
3
-8
100
1yes
73
46
1
123
30
0
0
94
12
6
6
7
3
12
7
0
0
26
66
9
2
0
55
0no
79
345
6
56
27
0
0
100
-7
7
8
53
2
19
0
2
2
3
90
5
1
0
47
0no
73
190
27
101
22
0
0
96
67
6
6
34
0
30
-8
1
1
36
-8
3
2
2
60
0no
77
431
1
127
21
1
1
96
23
6
2
58
2
39
6
0
0
10
95
1
3
0
33
0no
68
53
10
24
13
2
2
100
-7
6
8
2
3
46
2
4
4
4
-8
3
1
0
57
1yes
81
391
11
102
22
0
0
100
-7
7
8
34
1
9
11
0
0
20
-8
5
1
1
60
0no
82
207
4
69
18
0
0
100
-7
7
8
22
2
16
4
2
2
0
-8
0
1
0
14
0no
82
169
9
64
27
0
0
100
-7
7
8
19
1
15
11
0
0
17
56
4
2
0
30
0no
75
112
3
59
23
0
0
96
14
6
6
35
3
9
1
2
2
13
-8
4
1
0
50
1yes
72
172
4
115
18
1
1
84
19
6
3
19
1
47
0
3
3
8
-8
3
2
0
71
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
83
-8
9
88
31
0
0
94
14
6
6
0
2
22
1
1
1
6
100
3
2
0
63
1yes
69
10
9
77
12
2
1
71
17
6
4
2
2
86
-8
0
0
-8
88
-8
2
-8
100
0no
88
293
26
75
19
0
0
100
-7
7
8
35
0
16
-8
0
0
1
-8
1
1
0
33
1yes
87
159
11
96
27
0
0
100
-7
7
8
17
1
26
15
0
0
4
58
3
3
0
38
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
71
82
1
87
20
0
0
100
-7
7
8
3
3
33
1
2
2
64
100
4
2
3
60
0no
86
309
8
93
22
0
0
100
-7
7
8
35
2
23
-8
0
0
0
84
2
2
0
40
0no
78
162
8
58
38
0
0
100
-7
7
8
53
2
18
2
1
1
6
80
3
3
0
32
0no
87
270
15
98
29
0
0
100
-7
7
8
29
0
7
5
0
0
0
-8
0
-8
0
0
0no
74
227
19
105
11
3
2
71
9
6
4
19
0
40
-8
0
0
4
76
1
2
0
60
1yes
73
74
3
50
15
0
0
89
14
6
6
3
3
28
1
1
1
10
-8
2
1
0
38
0no
71
-8
1
91
15
0
0
94
-8
6
6
0
4
44
9
0
0
60
80
4
4
3
80
0no
86
423
10
103
29
0
0
100
-7
7
8
20
1
16
0
1
1
10
56
7
3
0
50
0no
73
161
5
75
40
0
0
98
42
6
6
48
2
27
4
0
0
20
91
6
3
2
69
0no
69
428
3
94
49
0
0
100
-7
7
8
23
3
8
0
4
4
50
-8
11
2
10
46
1yes
79
207
6
81
30
0
0
100
-7
7
8
31
4
16
0
2
2
8
63
6
2
0
41
1yes
81
224
8
110
27
0
0
96
14
6
6
31
1
15
-8
0
0
12
-8
7
1
0
62
0no
63
157
5
58
17
0
0
76
6
4
6
76
2
53
4
4
4
30
32
3
4
2
78
1yes
82
196
7
96
17
0
0
94
25
6
6
16
2
6
8
0
0
0
96
2
1
0
43
1yes
74
198
3
100
26
1
1
100
-7
6
8
7
3
30
4
1
1
1
65
1
2
0
38
1yes
81
180
8
78
27
0
0
100
-7
7
8
8
1
41
0
2
1
12
35
2
2
0
44
1yes
70
132
2
68
40
0
0
98
32
6
6
30
6
19
1
5
5
32
-8
5
2
1
41
0no
84
155
17
78
13
0
0
100
-7
6
7
17
0
50
12
0
0
1
-8
1
1
0
60
1yes
81
178
4
76
22
0
0
100
-7
7
8
16
1
9
13
0
0
22
-8
4
1
1
42
0no
77
271
4
120
44
0
0
100
-7
7
8
50
2
35
5
0
0
36
98
6
2
2
53
0no
72
150
7
57
36
0
0
100
-7
7
8
40
7
8
1
3
3
30
56
8
2
3
56
0no
80
306
3
79
16
0
0
100
-7
7
8
19
3
13
9
0
0
19
-8
4
1
2
50
1yes
80
215
3
85
18
0
0
100
-7
7
8
11
2
50
2
1
1
28
96
3
2
0
63
0no
72
377
2
146
37
1
1
97
71
6
2
39
1
21
2
2
2
35
-8
5
1
3
47
0no
74
352
4
184
25
0
0
100
-7
7
8
53
1
16
1
3
3
25
57
9
1
2
56
0no
72
-8
5
79
20
0
0
100
-7
7
8
0
3
55
4
1
1
61
76
3
7
1
91
0no
92
372
10
176
25
0
0
100
-7
7
8
68
1
28
-8
0
0
3
-8
2
-8
0
67
0no
86
202
12
81
25
0
0
100
-7
7
8
6
0
28
-8
0
0
11
19
3
2
0
63
0no
74
226
3
66
27
0
0
93
12
6
6
43
4
37
9
0
0
32
81
5
4
0
75
0no
72
216
5
107
18
0
0
95
61
6
6
3
3
21
3
5
5
54
89
6
3
1
75
1yes
59
277
1
137
22
3
1
60
10
4
5
12
6
20
0
5
5
43
87
17
2
2
95
0no
80
289
7
116
33
0
0
97
54
6
6
26
2
12
-8
0
0
18
48
6
2
1
47
0no
91
269
18
104
9
0
0
100
-7
7
8
9
0
44
4
1
1
1
-8
1
-8
0
33
1yes
84
-8
16
66
11
0
0
100
-7
7
8
0
0
50
10
0
0
4
-8
2
1
0
67
0no
84
168
4
66
15
0
0
100
-7
7
8
43
2
40
0
4
2
3
62
3
2
0
86
0no