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
81
365
8
60
27
0
0
96
43
6
6
54
2
19
3
1
1
10
87
4
3
0
64
0no
71
178
2
68
47
1
1
98
8
4
6
62
2
6
0
6
5
7
-8
5
1
0
40
0no
71
179
6
107
37
0
0
97
53
6
6
12
1
35
2
3
1
38
93
7
3
2
56
0no
81
369
28
95
27
0
0
100
-7
7
8
13
0
19
-8
0
0
21
18
2
2
1
40
0no
87
180
1
55
12
0
0
100
-7
7
8
13
2
46
16
0
0
8
100
1
2
0
38
0no
90
148
3
77
9
0
0
100
-7
7
8
16
1
0
0
1
1
0
-8
0
-8
0
0
1yes
80
263
6
89
34
0
0
100
-7
7
8
44
1
33
0
4
4
27
47
4
3
1
64
0no
81
327
2
116
40
0
0
100
-7
7
8
5
4
15
1
2
2
7
88
5
3
1
42
0no
70
258
3
43
27
1
1
100
-7
6
8
41
8
15
0
6
6
5
58
12
2
0
67
1yes
70
80
3
43
27
1
1
100
-7
6
8
10
8
15
0
6
6
5
58
12
2
0
67
1yes
80
324
18
110
27
0
0
100
-7
7
8
52
0
26
14
0
0
38
73
4
2
2
86
0no
72
262
6
99
30
1
1
94
15
6
2
17
2
65
5
0
0
31
43
3
11
1
78
0no
77
195
22
87
24
0
0
100
-7
7
8
46
0
13
4
1
1
49
-8
6
1
1
58
0no
84
196
10
82
12
0
0
100
-7
7
8
25
1
17
0
2
2
29
54
5
2
0
64
0no
68
327
2
94
32
0
0
97
59
6
6
12
1
19
5
1
1
62
59
9
2
2
63
1yes
68
50
1
81
29
0
0
94
44
6
6
1
2
22
0
2
2
43
75
2
3
2
42
1yes
75
201
2
65
31
0
0
97
44
6
6
46
6
30
12
0
0
30
76
4
3
1
36
0no
82
436
2
116
47
0
0
100
-7
7
8
37
1
13
2
1
1
11
29
6
3
0
33
1yes
65
65
6
31
18
0
0
100
-7
7
8
18
4
22
6
0
0
43
83
6
3
2
82
0no
73
347
8
120
37
1
1
95
22
6
4
53
2
46
0
1
1
66
84
5
2
2
70
0no
79
251
25
99
23
0
0
91
11
4
6
24
0
17
20
0
0
6
8
3
2
0
31
0no
61
137
5
58
31
0
0
88
0
4
6
21
3
41
6
0
0
49
79
6
4
2
91
1yes
86
204
13
65
38
0
0
100
-7
7
8
34
0
34
12
0
0
0
-8
0
1
0
13
0no
84
83
4
61
22
0
0
100
-7
7
8
19
5
41
4
1
1
4
91
3
2
0
56
0no
68
227
2
49
26
0
0
100
-7
7
8
50
6
41
0
19
18
30
75
5
6
2
61
1yes
89
280
23
107
16
0
0
100
-7
7
8
16
0
50
-8
0
0
7
38
1
2
0
60
0no
64
345
4
111
34
0
0
94
2
4
6
34
3
18
9
0
0
53
-8
10
1
1
69
0no
70
184
3
40
15
0
0
87
19
6
6
17
4
53
3
3
3
22
97
2
2
0
50
0no
85
141
15
77
25
0
0
96
30
6
6
32
0
12
11
0
0
1
-8
3
1
0
50
0no
74
155
9
89
43
0
0
100
-7
7
8
10
3
14
9
1
1
59
43
7
3
2
63
0no
67
51
2
111
14
1
1
87
32
6
6
9
1
20
1
2
2
42
50
6
2
1
67
1yes
78
92
10
54
13
0
0
100
-7
7
8
16
1
14
9
0
0
43
-8
4
1
1
63
0no
69
139
4
95
28
1
1
91
4
4
6
23
3
50
4
1
1
45
48
5
2
1
88
0no
91
225
4
121
12
0
0
100
-7
7
8
28
2
25
-8
0
0
3
-8
2
1
0
60
0no
72
86
3
51
27
0
0
100
-7
7
8
15
5
15
2
1
1
60
-8
5
1
2
50
0no
75
154
5
76
16
0
0
94
42
6
6
18
2
12
4
2
2
42
-8
4
-8
1
50
0no
88
191
51
127
17
0
0
100
-7
7
8
35
0
44
0
2
2
5
-8
2
1
0
60
0no
76
218
12
85
27
0
0
100
-7
7
8
41
0
21
-8
0
0
44
-8
3
1
1
42
0no
90
69
65
189
11
0
0
100
-7
7
8
7
0
18
-8
0
0
0
-8
2
1
0
60
1yes
76
-8
2
17
7
0
0
100
-7
7
8
0
1
33
2
2
2
9
73
3
2
0
63
0no
92
262
4
161
10
0
0
100
-7
7
8
33
1
10
-8
0
0
0
-8
1
-8
0
25
0no
71
300
7
68
47
0
0
100
-7
7
8
69
3
11
6
0
0
12
60
6
3
1
39
0no
82
418
9
58
21
0
0
100
-7
7
8
37
1
24
1
2
2
5
-8
1
1
0
29
0no
68
75
2
30
27
0
0
100
-7
7
8
37
6
17
5
0
0
30
65
13
4
0
67
1yes
83
102
5
40
14
0
0
100
-7
7
8
15
6
14
0
1
1
8
-8
1
1
0
18
0no
60
197
30
92
2
1
0
67
2
3
5
20
0
67
4
1
1
66
-8
1
-8
0
100
1yes
59
247
4
92
31
4
3
97
44
6
5
33
3
21
2
4
3
53
-8
5
1
3
47
0no
61
185
5
85
34
0
0
94
7
4
6
15
2
26
15
0
0
57
83
16
2
3
95
0no
79
340
4
80
52
0
0
96
10
4
6
77
2
13
6
0
0
2
-8
2
1
0
12
1yes
88
331
3
113
20
0
0
100
-7
7
8
28
1
24
7
0
0
10
-8
4
3
0
70
0no
78
372
9
110
52
0
0
100
-7
7
8
10
3
23
9
0
0
13
89
8
3
1
44
0no
67
194
3
97
38
8
7
77
37
6
2
45
3
47
2
1
1
7
22
3
2
0
45
0no
81
-8
1
45
11
0
0
100
-7
7
8
0
2
46
1
1
1
10
95
1
2
0
50
0no
65
340
3
110
27
2
2
100
-7
6
8
26
2
30
0
3
3
58
46
11
3
5
83
0no
81
6
1
86
32
0
0
100
-7
7
8
3
3
33
5
1
1
18
92
5
2
1
47
0no
65
75
10
32
16
0
0
88
2
4
6
16
2
25
4
2
2
37
83
7
2
0
69
1yes
88
168
11
72
23
0
0
100
-7
7
8
28
1
13
-8
0
0
2
-8
1
1
0
22
0no
55
167
3
63
25
0
0
84
5
4
6
11
4
32
2
1
1
66
43
7
3
2
71
1yes
55
418
5
112
25
0
0
84
11
4
6
34
2
28
4
2
2
66
96
4
2
3
64
0no
79
193
18
100
24
0
0
96
36
6
6
34
0
40
19
0
0
16
-8
3
1
0
44
0no
70
340
3
60
28
0
0
96
81
6
6
34
4
25
1
1
1
39
61
6
3
2
50
0no
86
265
3
137
21
0
0
100
-7
7
8
37
2
19
2
1
1
5
19
3
2
0
42
0no
91
290
7
108
21
0
0
100
-7
7
8
43
1
14
-8
0
0
3
-8
3
1
0
50
0no
81
501
17
142
19
0
0
100
-7
7
8
55
0
0
4
1
1
53
-8
3
-8
1
60
0no
65
196
2
52
60
0
0
98
55
6
6
74
7
35
0
5
5
63
61
8
4
2
71
1yes
73
214
16
97
27
0
0
96
46
6
6
17
0
18
0
4
4
35
77
6
2
1
60
1yes
67
323
7
90
28
0
0
100
-7
7
8
9
3
43
3
2
2
87
64
4
7
4
100
0no
57
23
7
14
12
0
0
92
2
4
6
12
3
25
0
5
5
38
-8
3
-8
2
50
1yes
72
352
4
114
26
0
0
88
2
4
6
22
2
15
20
0
0
2
73
6
2
0
44
0no
72
80
4
112
22
1
1
100
-7
6
8
3
3
18
3
2
2
16
-8
6
1
0
67
0no
88
205
8
138
37
0
0
100
-7
7
8
8
1
11
19
0
0
2
-8
4
1
0
24
0no
81
238
7
60
30
0
0
97
73
6
6
51
1
47
12
0
0
7
89
1
6
0
54
0no
79
157
1
51
20
0
0
100
-7
7
8
38
4
14
1
1
1
11
-8
3
-8
2
27
1yes
87
294
8
93
35
0
0
100
-7
7
8
60
2
23
0
1
1
2
71
1
4
0
24
0no
75
204
36
121
28
0
0
100
-7
7
8
3
0
25
0
2
1
58
-8
7
2
4
69
0no
68
328
19
116
21
5
5
95
34
6
6
23
0
70
1
4
4
1
-8
3
5
0
73
0no
73
407
2
72
29
0
0
90
6
4
6
59
2
10
1
4
4
0
56
3
1
0
31
1yes
68
375
8
65
25
0
0
100
-7
7
8
35
2
48
1
1
1
71
63
3
4
2
78
0no
57
229
11
87
33
2
1
83
2
4
2
56
1
23
0
2
2
20
-8
9
-8
1
47
0no
79
276
1
63
41
0
0
98
68
6
6
30
5
46
1
2
2
27
98
3
2
1
50
0no
76
336
3
98
22
0
0
100
-7
7
8
25
2
30
3
2
2
48
-8
6
1
3
58
1yes
85
55
3
105
28
0
0
100
-7
7
8
4
2
7
2
1
1
3
-8
3
-8
0
19
0no
69
284
8
109
22
1
1
100
-7
6
8
22
1
26
2
3
2
40
21
3
2
2
55
0no
82
-8
57
89
7
0
0
100
-7
7
8
0
0
14
0
1
1
27
-8
2
-8
1
40
0no
73
412
37
192
23
0
0
87
24
6
6
55
0
26
5
0
0
38
-8
11
1
1
100
0no
69
390
3
100
18
3
1
67
3
4
4
11
1
10
14
0
0
7
-8
3
-8
0
27
1yes
89
421
7
136
19
0
0
100
-7
7
8
28
1
16
-8
0
0
4
-8
3
-8
0
30
0no
63
204
1
71
48
0
0
98
28
6
6
30
5
47
1
1
1
51
90
5
11
2
70
1yes
68
298
4
86
19
4
4
89
53
6
6
22
2
47
5
1
1
6
85
2
3
0
63
0no
82
409
10
85
18
0
0
100
-7
7
8
6
2
17
0
5
5
19
-8
3
-8
0
33
0no
82
164
2
108
38
0
0
100
-7
7
8
30
2
15
2
2
2
2
41
2
1
0
17
0no
87
183
11
68
14
0
0
100
-7
7
8
21
1
7
18
0
0
3
-8
2
-8
0
25
0no
71
95
1
43
33
0
0
100
-7
7
8
41
4
17
0
4
4
17
89
7
3
1
53
0no
73
138
2
80
39
0
0
100
-7
7
8
12
5
28
0
3
3
28
91
6
5
2
69
0no
79
106
2
39
9
0
0
100
-7
7
8
7
1
50
3
1
1
26
65
2
3
0
63
0no
80
390
3
86
29
0
0
100
-7
7
8
29
4
24
9
0
0
6
74
4
3
0
44
0no
88
407
28
170
12
0
0
100
-7
7
8
2
0
17
-8
0
0
7
25
2
1
0
60
0no
70
204
6
77
28
0
0
97
2
4
6
50
4
23
6
0
0
33
97
3
1
1
42
0no
70
213
19
107
33
1
0
97
19
6
5
54
0
15
0
2
2
32
27
4
2
3
44
1yes
64
256
9
41
16
1
1
94
10
4
6
28
3
29
0
3
3
60
40
9
2
2
92
1yes