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
76
97
6
35
21
0
0
100
-7
7
8
16
6
52
7
0
0
1
57
2
2
0
40
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
66
273
2
149
8
2
0
83
19
6
5
17
3
33
1
1
1
44
84
4
2
2
70
0no
73
221
4
79
26
0
0
96
10
4
6
27
3
27
0
2
2
18
69
2
3
1
45
0no
71
241
3
90
55
0
0
100
-7
7
8
86
4
35
1
1
1
58
54
9
7
5
70
0no
82
171
3
84
26
0
0
96
22
6
6
27
2
44
4
2
2
3
48
2
4
0
54
0no
63
259
15
94
16
0
0
81
1
4
6
32
0
44
1
2
2
62
50
4
2
2
86
1yes
70
299
3
104
33
1
1
97
16
6
2
37
4
8
0
3
3
6
92
7
2
1
41
1yes
56
172
1
77
32
0
0
97
3
4
6
9
7
18
1
2
2
42
-8
5
1
2
38
1yes
86
544
21
153
26
0
0
96
50
6
6
17
0
27
-8
0
0
4
19
1
2
0
33
0no
74
193
2
84
14
0
0
100
-7
7
8
21
3
27
4
2
2
77
-8
5
-8
2
83
1yes
77
187
8
44
14
0
0
93
56
6
6
28
2
21
1
1
1
5
-8
4
1
0
71
1yes
73
162
3
88
39
1
1
95
28
6
6
14
4
24
6
0
0
28
-8
9
2
1
61
0no
84
-8
6
62
23
0
0
100
-7
7
8
0
1
9
0
6
6
0
98
0
2
0
29
0no
84
264
11
102
26
0
0
96
-7
5
7
27
1
33
1
1
1
21
57
7
3
0
100
0no
79
149
1
62
12
0
0
100
-7
7
8
32
4
20
1
3
3
21
-8
1
1
0
25
0no
67
143
17
64
8
1
0
40
3
4
5
5
0
50
0
3
3
3
-8
2
1
0
75
1yes
76
168
4
67
16
0
0
100
-7
6
7
5
3
69
-8
0
0
52
97
4
1
1
100
0no
89
265
10
99
22
0
0
100
-7
7
8
37
1
36
0
1
1
5
72
3
4
0
58
0no
79
199
7
121
18
0
0
100
-7
7
8
51
1
11
0
1
1
21
15
5
1
1
75
0no
80
318
2
84
38
0
0
100
-7
7
8
59
2
41
0
2
2
3
41
4
4
0
53
0no
68
227
1
67
24
0
0
96
4
6
6
21
4
56
0
3
3
14
23
3
4
0
64
0no
79
322
1
92
27
0
0
100
-7
7
8
30
3
20
1
2
2
18
101
6
3
1
56
0no
79
331
12
97
19
1
0
95
29
6
5
30
0
43
13
0
0
33
83
3
2
1
56
0no
86
232
2
109
23
0
0
100
-7
7
8
7
1
4
-8
0
0
4
-8
4
1
1
29
0no
74
90
3
42
15
0
0
93
42
6
6
33
2
40
2
2
2
28
99
4
2
0
78
1yes
65
151
9
55
14
1
1
100
-7
6
8
16
2
21
1
1
1
76
-8
6
1
4
70
1yes
85
244
21
123
26
0
0
100
-7
7
8
21
0
46
7
0
0
8
-8
6
-8
0
67
0no
65
287
16
82
31
4
2
85
45
6
5
34
0
62
3
1
1
84
72
2
5
2
89
0no
71
224
18
92
18
0
0
79
42
6
6
20
0
25
7
0
0
61
91
4
1
4
50
0no
81
166
4
60
20
0
0
100
-7
7
8
21
1
20
5
1
1
0
3
1
3
0
25
1yes
65
258
3
98
21
7
2
70
11
4
4
55
4
33
7
0
0
2
75
2
4
0
46
0no
81
202
5
106
37
0
0
95
40
6
6
44
1
46
1
1
1
0
92
2
2
0
36
0no
80
282
2
103
28
0
0
97
3
4
6
37
1
26
0
3
3
0
-8
1
-8
0
14
0no
87
-8
27
96
16
0
0
100
-7
7
8
0
0
19
0
2
2
0
-8
3
1
0
50
1yes
78
296
5
124
26
0
0
96
34
6
6
15
1
35
0
1
1
19
-8
4
7
1
63
0no
87
284
21
108
16
0
0
100
-7
7
8
51
0
31
-8
0
0
4
38
1
1
0
43
0no
75
41
41
41
1
0
0
100
-7
7
8
1
0
100
5
1
1
-8
-8
-8
1
-8
100
1yes
80
146
1
38
15
0
0
100
-7
7
8
30
1
13
3
2
2
16
-8
2
1
0
27
1yes
86
340
4
71
27
0
0
100
-7
7
8
35
2
19
4
1
1
14
83
8
1
0
75
0no
81
175
2
93
23
0
0
100
-7
7
8
17
2
28
3
2
2
11
-8
3
1
1
36
0no
70
411
3
95
70
0
0
99
65
6
6
72
5
12
2
1
1
23
64
8
2
2
37
0no
64
180
1
32
6
0
0
100
-7
7
8
4
5
50
1
2
2
90
-8
3
1
1
100
1yes
91
278
32
131
33
0
0
100
-7
7
8
26
0
14
-8
0
0
5
-8
2
1
0
33
0no
67
100
3
46
8
1
1
67
23
6
2
9
1
33
0
3
3
13
83
1
1
0
50
1yes
71
176
14
79
29
0
0
97
11
6
6
33
0
14
0
2
2
15
-8
3
1
2
40
0no
69
83
14
162
18
0
0
94
46
6
6
17
0
6
5
1
1
60
-8
9
-8
2
69
1yes
89
97
97
97
1
0
0
100
-7
7
8
1
0
0
-8
0
0
2
-8
1
-8
0
100
1yes
70
-8
2
103
7
1
1
100
-7
6
8
0
2
25
-8
0
0
78
81
4
1
1
83
0no
59
209
13
85
38
1
0
78
3
4
5
37
0
53
0
7
7
88
28
4
5
2
100
1yes
81
201
8
46
17
0
0
100
-7
7
8
4
2
29
19
0
0
9
46
4
2
0
43
0no
67
142
3
82
11
1
1
92
0
0
2
38
1
8
10
0
0
1
-8
4
-8
0
40
1yes
87
341
6
101
32
0
0
100
-7
7
8
33
1
3
-8
0
0
6
-8
3
-8
0
27
0no
70
119
8
55
13
0
0
100
-7
7
8
15
1
27
6
0
0
89
-8
6
1
2
100
0no
82
268
2
63
40
0
0
100
-7
7
8
36
4
7
6
0
0
6
-8
4
-8
0
25
0no
60
379
6
171
26
3
1
77
4
4
4
37
3
13
1
3
3
21
75
9
2
0
65
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
68
194
3
60
29
0
0
97
57
6
6
73
2
47
0
7
7
52
84
5
6
2
79
0no
83
-8
7
86
15
0
0
80
34
6
6
0
1
47
1
2
2
0
51
1
3
0
80
1yes
84
170
1
66
19
0
0
100
-7
7
8
22
2
15
0
10
10
0
96
1
2
-8
30
0no
70
168
2
109
41
0
0
98
67
6
6
10
1
21
1
1
1
82
-8
14
-8
8
71
1yes
91
166
35
121
10
0
0
100
-7
7
8
10
0
40
-8
0
0
10
38
1
3
0
67
0no
58
117
6
54
14
2
1
80
4
4
5
15
6
47
0
0
0
46
84
5
3
1
80
1yes
89
231
19
93
22
0
0
100
-7
7
8
22
0
23
0
0
0
2
73
1
3
0
27
0no
75
222
2
124
23
2
2
92
62
6
2
25
2
24
0
0
0
30
57
4
2
1
40
0no
73
19
2
9
2
0
0
100
-7
7
8
3
2
33
0
8
7
15
-8
1
1
0
67
1yes
72
24
6
13
7
0
0
100
-7
7
8
7
4
71
0
0
0
15
77
1
4
0
83
0no
64
116
14
47
43
0
0
100
-7
7
8
48
0
15
0
1
1
59
78
15
2
3
91
0no
86
174
5
68
12
0
0
92
50
6
6
12
2
17
0
1
1
1
73
2
1
0
38
0no
82
266
10
81
28
0
0
100
-7
7
8
28
1
29
0
1
1
12
-8
3
2
1
46
1yes
63
222
6
52
24
0
0
92
70
6
6
26
5
58
0
4
4
86
71
8
5
4
100
1yes
72
86
3
57
25
1
0
96
76
6
5
26
1
12
0
3
3
6
69
4
2
1
47
0no
71
126
4
31
9
1
1
100
-7
6
8
9
3
22
0
2
2
34
79
4
2
0
75
0no
78
269
11
66
30
0
0
100
-7
7
8
30
1
23
0
0
0
35
-8
3
2
1
55
1yes
71
90
6
50
16
0
0
100
-7
7
8
16
1
75
0
1
1
99
99
2
1
2
100
1yes
74
311
32
118
15
0
0
93
5
4
6
15
0
53
0
0
0
6
-8
2
1
0
50
1yes
68
206
3
63
19
0
0
89
21
6
6
19
4
26
0
1
1
49
60
5
2
1
88
0no
68
261
2
63
13
0
0
86
25
6
6
14
5
36
0
2
2
32
95
7
3
0
83
1yes
85
227
6
91
35
0
0
100
-7
7
8
35
4
43
0
2
2
2
80
3
2
0
38
0no
74
140
4
69
22
0
0
100
-7
7
8
23
1
30
0
2
2
30
57
5
3
1
57
0no
65
202
10
84
28
11
11
87
41
6
6
30
2
33
0
0
0
28
26
3
2
0
38
0no
79
210
7
96
24
0
0
92
6
4
6
24
1
21
0
2
2
18
45
4
3
0
58
1yes
82
200
2
82
33
0
0
97
25
6
6
34
2
56
0
2
2
5
60
3
4
0
73
0no
78
319
2
82
53
0
0
98
47
6
6
58
3
24
0
3
3
12
-8
3
4
0
58
0no
77
298
23
154
12
1
1
100
-7
6
8
12
0
33
0
3
3
3
-8
2
1
0
67
0no
59
333
3
94
23
1
0
67
3
4
5
24
2
21
0
1
1
11
-8
5
1
2
43
1yes
80
342
8
164
22
0
0
100
-7
7
8
22
1
36
0
1
1
40
90
4
2
1
58
0no
76
24
8
12
12
0
0
100
-7
7
8
12
7
25
0
0
0
9
-8
2
2
0
50
0no
83
161
10
66
15
0
0
100
-7
7
8
15
3
13
0
0
0
37
56
3
2
0
45
1yes
68
130
7
64
31
3
3
82
16
6
2
34
3
21
0
4
3
14
2
5
3
0
44
0no
83
108
14
57
15
0
0
100
-7
7
8
15
0
27
0
2
2
6
54
3
2
0
56
0no
89
299
6
123
25
0
0
100
-7
7
8
25
3
16
0
0
0
5
-8
5
1
0
46
0no
62
164
9
47
13
0
0
100
-7
7
8
13
3
31
0
1
1
81
87
5
2
4
88
1yes
70
117
7
68
22
0
0
100
-7
7
8
26
1
23
0
8
8
90
-8
7
1
4
80
0no
68
69
8
42
10
0
0
90
-7
5
7
10
1
40
0
3
2
79
72
3
2
1
100
1yes
82
222
3
73
38
0
0
100
-7
7
8
39
3
31
0
2
2
8
100
3
2
0
38
0no
66
258
7
94
17
2
2
95
19
6
2
19
3
16
0
1
1
32
-8
5
1
0
55
0no
65
165
2
43
25
0
0
100
-7
7
8
26
7
15
0
2
1
35
96
7
3
2
59
0no
81
162
13
66
17
0
0
100
-7
7
8
17
0
12
0
1
1
3
-8
2
1
0
43
0no
81
76
11
53
8
0
0
100
-7
7
8
8
1
25
0
1
1
21
64
1
2
0
100
0no