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
71
383
8
76
19
2
2
86
11
4
4
24
1
29
2
1
1
26
79
4
2
1
67
1yes
78
132
12
91
30
0
0
100
-7
7
8
11
0
37
0
1
1
50
-8
4
2
1
67
0no
77
138
3
105
13
1
1
93
39
6
2
21
2
21
2
2
2
1
-8
1
1
0
33
0no
69
-8
5
138
30
0
0
97
23
6
6
0
1
20
0
4
3
40
38
12
2
3
74
0no
75
-8
3
60
29
1
1
97
29
6
2
0
2
3
3
1
1
1
-8
4
1
0
28
0no
67
44
21
96
6
2
1
50
36
6
2
14
0
0
0
2
2
65
-8
4
-8
2
80
0no
59
312
1
22
20
1
1
100
-7
0
8
10
7
36
2
2
2
16
78
6
3
0
77
1yes
89
241
12
81
15
0
0
100
-7
7
8
18
0
40
12
0
0
9
-8
1
1
0
50
0no
70
127
11
52
20
0
0
100
-7
7
8
19
1
50
1
11
11
77
97
1
3
1
57
0no
59
66
1
42
22
1
0
71
2
3
5
3
2
21
0
6
6
16
69
3
4
0
44
1yes
75
300
2
73
52
0
0
98
76
6
6
63
8
29
4
1
1
19
68
7
8
2
71
0no
80
330
7
45
19
0
0
100
-7
7
8
28
2
32
10
1
1
1
-8
1
2
0
50
0no
85
-8
3
70
23
0
0
100
-7
7
8
0
1
35
0
3
3
6
-8
2
1
0
50
0no
62
251
19
92
41
1
1
98
10
0
6
53
0
15
0
3
3
83
-8
17
1
11
72
1yes
86
383
11
164
35
0
0
100
-7
7
8
21
1
9
10
0
0
0
30
8
2
0
48
0no
88
413
9
78
48
0
0
100
-7
7
8
76
2
29
2
1
1
1
100
1
1
0
13
0no
85
449
5
71
33
0
0
100
-7
7
8
23
2
12
5
2
2
1
93
2
2
0
21
0no
78
239
0
92
28
0
0
97
6
4
6
20
4
13
0
2
1
2
-8
4
1
0
36
0no
85
372
13
90
27
0
0
100
-7
7
8
19
0
26
2
2
2
1
26
2
2
0
33
0no
74
254
15
66
39
0
0
95
8
4
6
74
0
38
7
1
1
6
41
6
4
1
53
0no
92
-8
37
103
19
0
0
100
-7
7
8
0
0
26
0
1
1
0
-8
0
-8
0
0
0no
86
400
9
107
43
0
0
100
-7
7
8
43
1
33
13
0
0
5
84
3
2
0
38
0no
88
242
21
97
31
0
0
100
-7
7
8
38
0
23
3
1
1
1
39
4
3
0
33
0no
64
285
4
134
20
1
1
100
-7
0
8
4
1
30
0
6
6
5
-8
4
1
1
75
0no
86
131
2
73
25
0
0
100
-7
7
8
11
4
38
1
1
1
9
49
8
3
0
73
0no
66
367
30
84
31
0
0
97
2
4
6
20
0
32
6
1
0
15
-8
3
2
0
31
1yes
69
312
15
94
27
1
0
82
11
4
5
30
0
18
15
0
0
54
62
2
2
1
56
0no
74
305
3
146
17
1
1
94
4
2
4
8
2
17
10
0
0
1
46
2
2
0
31
0no
81
17
12
39
12
0
0
100
-7
7
8
2
0
15
14
0
0
4
83
4
2
0
67
0no
89
378
7
141
21
0
0
100
-7
7
8
10
1
24
15
0
0
2
6
1
2
0
23
0no
88
469
5
106
18
0
0
100
-7
7
8
18
3
26
-8
0
0
14
-8
4
1
0
63
0no
84
413
2
106
35
0
0
100
-7
7
8
44
2
19
1
4
4
2
-8
9
-8
0
53
0no
69
180
9
101
30
1
1
100
-7
6
7
9
2
29
16
0
0
25
-8
3
2
1
45
1yes
66
265
4
78
50
1
0
88
11
3
5
51
5
12
2
4
4
24
56
7
2
3
39
0no
77
473
4
86
40
0
0
100
-7
7
8
46
7
10
3
1
1
14
30
9
2
0
55
0no
68
273
8
105
44
3
1
86
11
0
2
25
2
20
1
1
1
5
77
9
4
0
68
0no
69
180
2
99
27
0
0
100
-7
7
8
19
1
20
2
3
3
81
-8
5
1
3
78
0no
89
172
19
87
22
0
0
100
-7
7
8
49
0
23
18
0
0
14
-8
2
2
0
40
0no
59
107
3
42
25
0
0
96
3
4
6
8
5
12
1
2
2
48
80
7
2
2
50
1yes
72
212
33
106
12
1
1
100
-7
6
8
18
0
17
19
0
0
5
8
4
1
0
56
0no
81
271
10
59
20
0
0
100
-7
7
8
18
1
25
0
1
1
0
67
1
2
0
23
0no
75
398
7
147
12
1
1
100
-7
6
8
14
2
17
6
0
0
0
97
1
1
0
18
0no
72
238
8
110
14
1
0
93
3
3
5
31
1
20
4
2
2
8
-8
5
-8
0
56
0no
82
34
5
26
4
0
0
100
-7
7
8
4
1
50
5
0
0
0
95
0
2
0
50
0no
84
156
26
100
36
0
0
94
32
6
6
29
0
19
-8
0
0
9
-8
1
2
0
27
1yes
62
135
6
55
11
1
0
77
4
4
5
12
1
46
15
0
0
70
85
3
2
1
71
0no
70
395
3
72
45
0
0
100
-7
7
8
66
1
30
1
3
3
33
100
9
2
1
85
0no
85
-8
16
99
18
0
0
100
-7
7
8
0
0
0
1
1
1
18
-8
4
-8
0
67
0no
66
107
30
84
31
0
0
97
2
4
6
4
0
32
0
2
2
15
-8
4
2
0
38
1yes
69
199
2
83
61
1
1
100
-7
6
8
23
2
18
1
3
3
14
68
4
4
1
33
0no
68
199
2
90
28
0
0
97
54
6
6
29
3
34
1
1
1
60
42
4
2
2
67
1yes
63
118
6
61
29
0
0
100
-7
7
8
10
2
24
0
3
3
78
-8
7
1
4
62
1yes
68
180
7
72
24
0
0
92
35
6
6
35
1
56
3
1
1
48
43
3
3
1
86
1yes
78
249
7
86
37
0
0
100
-7
7
8
54
5
42
2
4
4
41
84
4
6
0
79
0no
59
141
1
65
23
0
0
96
1
4
6
25
4
16
0
4
4
0
95
3
2
0
43
0no
61
279
4
86
45
0
0
98
69
6
6
23
1
30
4
1
1
43
76
10
2
4
60
0no
70
187
2
92
32
0
0
97
19
6
6
11
4
29
1
4
4
47
101
8
2
3
63
1yes
84
387
227
322
4
0
0
100
-7
7
8
24
0
25
3
1
1
22
-8
1
-8
0
100
0no
60
65
8
28
22
1
1
95
14
6
6
27
4
14
14
0
0
27
59
7
3
1
50
1yes
66
46
4
78
51
0
0
98
5
4
6
3
4
68
1
3
3
32
35
6
4
0
91
1yes
87
-8
24
108
29
0
0
100
-7
7
8
0
0
41
4
5
5
5
63
3
3
0
67
0no
60
-8
6
77
18
3
3
100
-7
0
8
0
2
32
0
4
4
19
-8
2
-8
1
40
0no
79
133
2
60
38
0
0
100
-7
7
8
37
2
8
1
4
4
12
-8
3
-8
1
27
0no
78
188
5
106
40
0
0
100
-7
7
8
34
3
28
2
1
1
5
51
6
5
0
52
0no
89
277
4
87
25
0
0
100
-7
7
8
27
3
30
4
1
1
2
9
1
2
0
30
0no
69
201
9
66
37
0
0
97
0
4
6
17
2
30
9
0
0
2
46
5
2
1
32
0no
79
243
5
84
29
1
1
81
6
4
4
39
1
35
0
1
1
0
-8
3
2
1
50
0no
79
124
11
134
21
0
0
100
-7
7
8
5
1
35
5
1
1
42
25
3
3
1
60
0no
81
216
0
84
25
0
0
100
-7
7
8
35
1
35
1
1
1
0
-8
1
4
0
38
1yes
83
187
3
59
19
0
0
100
-7
7
8
32
2
37
0
3
3
6
93
5
1
0
75
0no
60
343
5
58
5
2
1
67
1
4
5
10
2
17
6
0
0
5
93
4
1
0
83
1yes
86
188
2
108
26
0
0
100
-7
7
8
29
1
14
14
0
0
8
70
7
2
0
63
0no
79
439
15
142
17
2
2
89
68
6
3
38
0
11
15
0
0
3
-8
5
-8
0
50
1yes
72
280
2
97
54
0
0
100
-7
7
8
11
8
20
5
2
1
22
37
9
4
1
44
0no
71
409
12
137
44
0
0
100
-7
7
8
44
0
18
1
2
2
47
93
14
3
4
60
0no
84
-8
7
91
17
0
0
100
-7
7
8
0
3
35
3
1
1
11
48
4
2
0
55
0no
74
198
4
53
11
1
1
92
62
6
2
12
1
33
4
2
2
3
-8
2
1
0
43
0no
92
137
26
89
19
0
0
100
-7
7
8
15
0
58
7
0
0
1
0
1
5
0
78
1yes
68
269
0
38
12
1
1
88
29
6
2
10
4
25
4
3
3
35
96
5
2
0
78
0no
65
502
1
71
78
1
1
99
15
6
6
100
19
15
0
6
6
10
90
10
3
1
38
1yes
81
320
0
92
56
0
0
100
-7
7
8
61
5
16
1
4
4
4
56
9
3
1
41
0no
74
-8
4
100
8
1
1
88
30
6
6
0
1
13
4
1
1
2
-8
1
1
0
43
0no
76
267
5
88
33
3
3
94
36
6
2
51
2
24
14
0
0
3
-8
2
1
0
21
1yes
85
173
16
51
9
0
0
100
-7
7
8
28
0
0
0
1
1
13
-8
4
-8
0
80
0no
64
173
1
69
43
0
0
93
3
4
6
55
4
20
0
2
2
11
100
4
2
0
35
0no
89
521
15
244
27
0
0
100
-7
7
8
30
0
19
-8
0
0
3
-8
3
1
0
33
0no
84
226
2
109
27
0
0
96
46
6
6
37
1
61
1
1
1
18
63
2
4
0
67
0no
82
289
7
71
20
0
0
100
-7
7
8
14
3
45
6
0
0
19
-8
3
1
0
57
0no
91
153
16
107
7
0
0
100
-7
7
8
26
0
14
5
0
0
2
-8
1
-8
0
100
0no
77
345
5
108
23
0
0
91
54
6
6
28
2
22
0
1
1
35
-8
3
1
1
36
0no
66
198
1
103
18
2
2
83
10
4
2
11
2
39
0
1
1
0
59
0
3
0
50
1yes
86
94
9
90
23
0
0
100
-7
7
8
7
2
16
14
0
0
14
92
2
1
1
38
0no
39
80
11
11
0
2
2
0
1
0
2
11
1
0
0
4
4
-8
-8
-8
-8
-8
-8
1yes
83
197
3
62
18
0
0
100
-7
6
7
32
3
39
3
2
2
22
50
5
3
0
90
0no
77
-8
9
59
29
0
0
100
-7
7
8
0
2
14
18
0
0
43
-8
4
1
1
31
0no
81
299
3
68
38
0
0
95
13
6
6
36
2
50
0
1
1
6
37
2
7
0
47
1yes
62
335
2
26
19
0
0
100
-7
7
8
7
7
29
0
2
2
49
-8
6
4
4
67
0no
85
340
2
140
18
0
0
100
-7
7
8
18
3
16
2
1
1
12
-8
4
1
0
63
0no
84
385
5
79
22
0
0
96
26
6
6
30
3
57
8
0
0
6
93
3
5
0
89
0no
83
308
20
114
30
0
0
100
-7
7
8
29
0
50
2
1
1
16
20
4
4
0
75
0no