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
72
29
3
20
11
0
0
100
-7
7
8
11
3
18
0
2
1
6
-8
3
1
0
44
0no
65
176
3
101
34
0
0
92
14
5
6
36
1
28
0
3
3
87
0
9
3
6
92
1yes
62
77
3
30
26
0
0
100
-7
7
8
26
2
62
0
8
8
52
85
5
16
2
95
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
62
352
9
114
31
0
0
88
0
4
6
33
2
24
0
1
1
50
17
6
1
1
44
1yes
77
178
9
52
20
0
0
100
-7
7
8
20
1
20
0
5
5
17
53
6
3
0
56
1yes
65
50
1
19
11
0
0
100
-7
7
8
14
6
43
0
6
6
47
87
4
5
2
100
1yes
75
138
2
67
12
0
0
100
-7
7
8
13
2
31
0
2
2
33
62
3
3
0
75
0no
78
436
3
91
19
1
1
95
60
6
4
20
3
25
0
0
0
28
93
2
2
1
67
0no
76
107
30
57
5
0
0
83
14
6
6
6
0
50
0
0
0
30
-8
1
2
0
100
1yes
68
178
5
73
31
0
0
97
25
6
6
31
2
35
0
4
4
26
82
5
3
1
67
1yes
66
95
21
64
18
1
1
100
-7
6
8
18
0
22
0
0
0
75
53
7
2
4
100
0no
82
258
22
104
7
0
0
100
-7
7
8
7
0
43
0
0
0
60
63
2
1
0
100
0no
64
173
12
78
24
1
0
73
5
4
5
26
0
42
0
2
1
43
99
4
9
1
74
1yes
61
131
1
44
9
0
0
100
-7
7
8
10
4
40
0
6
6
94
92
5
4
4
100
1yes
76
282
7
109
25
0
0
100
-7
7
8
25
2
24
0
1
1
29
81
5
4
1
67
0no
62
353
2
119
27
1
1
86
2
4
6
29
6
41
0
2
2
37
99
8
7
1
89
1yes
81
261
11
110
27
0
0
96
53
6
6
27
1
22
0
0
0
23
13
11
2
0
65
0no
74
99
8
51
16
0
0
100
-7
7
8
16
1
56
0
0
0
15
-8
5
3
1
89
1yes
66
165
2
45
18
0
0
85
2
4
6
20
4
30
0
4
3
13
-8
6
1
0
58
1yes
86
166
1
89
14
0
0
100
-7
7
8
16
3
38
0
2
2
3
-8
4
2
0
75
0no
72
281
4
129
27
1
0
93
71
6
5
28
2
14
0
1
1
36
92
10
1
0
92
0no
60
125
6
45
39
0
0
95
6
4
6
39
3
18
0
1
1
27
54
7
6
2
42
0no
65
194
1
62
21
1
0
96
40
6
5
23
7
26
0
5
5
60
75
4
4
1
62
1yes
82
193
5
75
21
1
0
95
26
6
5
22
4
23
0
0
0
6
42
2
2
0
40
0no
65
64
6
40
14
0
0
100
-7
7
8
14
1
36
0
1
1
95
-8
3
2
3
86
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
74
257
7
93
33
0
0
92
23
6
6
38
2
32
0
2
2
1
-8
4
1
0
33
1yes
75
52
3
17
10
0
0
100
-7
7
8
10
6
60
0
4
4
4
71
1
5
0
75
1yes
73
123
9
68
41
2
2
95
59
6
4
43
1
56
0
1
1
37
115
4
19
1
77
0no
60
197
4
70
6
2
2
71
25
5
2
7
1
14
0
1
1
23
82
3
1
1
80
1yes
60
194
25
78
16
0
0
65
2
4
6
20
0
25
0
1
1
46
15
6
3
1
82
0no
67
210
36
91
24
1
0
80
21
6
5
25
0
32
0
2
2
75
7
3
4
2
70
0no
70
90
6
65
51
0
0
100
-7
7
8
17
4
16
4
2
1
14
43
10
3
3
42
0no
64
303
15
116
18
6
5
65
31
6
2
19
0
52
0
2
2
12
13
3
4
0
70
0no
69
193
12
167
36
0
0
100
-7
7
8
8
0
6
-8
0
0
85
-8
16
-8
13
71
1yes
58
237
3
64
27
0
0
85
10
4
6
52
5
15
7
0
0
61
86
11
3
4
67
0no
71
-8
7
74
33
0
0
94
47
6
6
0
2
30
7
0
0
21
60
5
3
1
50
0no
78
175
6
75
15
0
0
100
-7
7
8
5
2
47
6
0
0
32
-8
2
1
0
75
1yes
65
85
1
25
17
0
0
100
-7
7
8
22
8
14
0
5
5
36
-8
9
1
2
59
1yes
70
-8
4
65
21
0
0
90
10
4
6
0
2
33
-8
0
0
31
75
5
4
1
82
0no
75
301
11
117
14
0
0
93
7
4
6
10
1
20
-8
0
0
15
-8
5
1
0
75
0no
72
98
2
81
18
0
0
84
16
6
6
14
1
16
2
3
3
36
-8
3
1
1
67
0no
57
122
10
106
12
0
0
50
8
4
6
11
2
42
0
4
4
70
88
5
1
2
100
1yes
64
107
9
54
28
0
0
93
6
4
6
20
1
29
0
2
2
45
27
5
2
3
44
0no
74
-8
17
70
34
0
0
97
31
6
6
0
0
47
3
1
1
14
26
5
5
1
71
1yes
72
228
1
69
15
0
0
100
-7
7
8
16
2
38
0
2
2
63
70
5
2
2
78
0no
80
-8
4
61
13
0
0
93
20
6
6
0
4
50
4
4
2
3
49
1
3
0
67
0no
78
83
12
66
22
1
0
91
26
6
5
9
0
48
13
0
0
31
85
6
4
0
77
1yes
57
361
34
164
24
1
1
85
14
6
2
19
0
27
5
1
0
23
-8
6
1
0
73
0no
78
108
4
47
14
0
0
100
-7
7
8
14
2
36
3
1
1
47
-8
2
1
1
75
1yes
74
462
5
66
20
0
0
90
38
6
6
27
2
20
4
2
2
41
-8
4
1
2
83
0no
79
196
4
65
10
0
0
100
-7
7
8
67
1
55
10
0
0
-8
50
1
2
-8
100
0no
77
264
2
89
34
0
0
94
38
6
6
52
2
14
20
0
0
27
-8
6
2
1
53
0no
81
175
44
132
9
0
0
100
-7
7
8
18
0
22
-8
0
0
56
-8
2
1
1
57
1yes
62
219
8
49
26
1
1
93
19
6
2
21
3
22
2
1
1
55
65
7
3
3
56
1yes
68
126
6
50
18
0
0
94
51
6
6
9
3
44
0
3
3
41
68
4
7
1
79
0no
60
236
3
83
41
1
0
86
17
6
5
31
1
30
1
3
3
82
-8
6
2
3
75
0no
70
122
1
64
26
1
1
97
3
0
2
12
3
30
9
0
0
20
100
3
2
0
38
0no
62
438
5
74
27
1
1
93
2
1
3
57
3
31
0
2
2
10
119
3
2
0
50
0no
89
204
1
110
23
0
0
100
-7
7
8
14
1
40
-8
0
0
6
-8
5
3
0
67
0no
60
191
34
93
5
5
2
46
6
3
2
40
0
46
0
4
4
30
-8
1
1
0
67
1yes
88
367
4
148
15
0
0
100
-7
7
8
63
1
27
-8
0
0
0
-8
1
-8
-8
17
1yes
71
-8
17
45
13
1
0
93
54
6
5
0
0
14
0
2
2
35
-8
4
2
0
55
0no
81
401
2
126
20
0
0
100
-7
7
8
31
2
18
2
1
1
26
-8
2
1
1
40
0no
55
194
26
100
18
0
0
84
1
4
6
11
0
42
23
0
0
84
48
5
3
3
100
1yes
79
803
3
101
38
0
0
100
-7
7
8
37
2
21
3
2
2
14
-8
4
2
0
46
0no
65
340
2
81
49
0
0
89
5
4
6
56
3
25
0
9
8
6
86
9
5
1
56
1yes
73
273
2
135
10
2
1
85
19
6
2
13
1
31
4
1
1
5
100
3
1
0
50
1yes
61
159
10
30
12
1
1
100
-7
6
8
37
2
33
10
0
0
55
66
4
2
0
100
0no
77
268
51
51
1
0
0
100
-7
7
8
18
0
0
-8
1
0
8
-8
1
-8
-8
100
0no
87
428
6
59
14
0
0
100
-7
7
8
45
4
29
3
1
1
3
-8
3
-8
0
43
0no
81
191
2
117
40
0
0
100
-7
7
8
6
5
7
0
3
3
15
-8
6
-8
2
26
0no
71
151
1
69
33
0
0
100
-7
7
8
8
1
26
1
2
2
53
101
4
7
1
79
0no
86
-8
16
45
8
0
0
100
-7
7
8
0
0
25
-8
0
0
4
-8
2
1
-8
60
0no
84
337
1
84
36
0
0
100
-7
7
8
44
3
16
0
2
2
3
100
6
2
0
53
0no
90
325
53
187
14
0
0
100
-7
7
8
19
0
14
-8
0
0
0
-8
1
-8
0
11
0no
63
284
1
92
40
0
0
93
2
4
6
29
1
12
-8
0
0
45
69
7
3
3
59
0no
76
330
15
169
25
0
0
100
-7
7
8
19
0
16
15
0
0
35
56
5
1
3
41
0no
78
176
13
100
36
2
2
100
-7
6
8
36
0
30
3
1
1
1
-8
1
2
0
33
0no
75
327
0
104
28
0
0
93
10
4
6
46
5
13
0
4
4
3
-8
9
1
0
50
0no
73
185
1
67
10
1
1
92
62
6
6
18
2
67
10
0
0
15
70
1
3
0
80
0no
73
318
3
28
7
0
0
100
-7
7
8
13
2
44
23
0
0
17
-8
3
1
-8
80
1yes
84
153
0
62
11
0
0
100
-7
7
8
19
2
33
0
1
1
11
-8
2
-8
1
40
0no
81
162
8
82
32
0
0
100
-7
7
8
13
1
47
7
0
0
5
71
1
5
0
46
0no
70
180
15
43
18
0
0
89
12
6
6
1
0
28
0
2
2
21
79
2
3
0
56
1yes
92
233
11
72
6
0
0
100
-7
7
8
13
1
33
-8
0
0
0
-8
0
1
0
25
0no
68
201
7
99
35
0
0
97
42
6
6
35
4
26
8
0
0
48
67
10
3
3
57
1yes
63
31
8
110
12
0
0
92
8
4
6
1
2
42
7
0
0
84
74
2
2
2
67
1yes
57
206
4
78
27
0
0
89
4
4
6
37
3
14
1
3
3
27
56
8
2
2
59
1yes
83
83
22
80
7
0
0
100
-7
7
8
11
0
29
2
1
1
30
43
2
1
0
75
0no
77
311
7
144
27
1
1
96
47
6
2
44
2
29
6
0
0
3
77
1
2
0
17
1yes
89
245
184
215
2
0
0
100
-7
7
8
37
0
0
22
0
0
3
-8
1
-8
0
50
0no
70
-8
4
54
32
0
0
100
-7
7
8
0
4
31
2
3
3
49
82
3
3
2
75
1yes
68
188
19
60
19
0
0
100
-7
7
8
17
0
32
10
1
0
92
73
5
2
4
100
0no
54
127
17
101
8
0
0
88
3
4
6
3
0
25
3
1
1
68
-8
5
-8
3
100
1yes
54
225
0
79
44
3
2
75
3
3
2
63
6
25
1
5
5
18
77
10
4
0
80
1yes
70
54
0
98
26
0
0
82
3
4
6
2
3
21
0
2
2
7
96
4
2
0
35
1yes
73
-8
0
69
24
0
0
88
10
6
6
0
4
20
0
2
2
8
78
1
2
1
27
0no
60
255
1
92
29
0
0
77
2
4
6
34
5
19
5
3
3
14
-8
5
1
1
60
0no