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
65
372
4
135
32
0
0
97
48
6
6
28
2
0
4
2
2
57
-8
11
-8
6
62
0no
66
314
7
96
34
0
0
78
26
5
6
41
1
56
1
4
4
49
82
3
9
1
71
1yes
85
211
5
73
19
0
0
100
-7
7
8
33
4
11
0
1
1
17
-8
3
1
0
33
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
7
84
14
0
0
100
-7
7
8
0
1
14
0
1
1
27
-8
3
1
0
57
0no
57
146
38
95
9
7
5
28
15
5
2
6
0
33
1
7
7
29
-8
2
1
1
43
1yes
86
188
19
92
25
0
0
100
-7
7
8
15
0
19
0
1
1
0
58
1
3
1
38
0no
55
337
8
53
25
1
0
81
19
6
5
28
1
11
5
0
0
25
100
7
2
2
75
0no
89
212
4
107
21
0
0
100
-7
7
8
2
1
14
-8
0
0
6
71
2
2
0
50
0no
72
247
5
93
19
1
1
90
6
4
3
23
3
19
0
4
4
46
89
2
2
1
67
1yes
56
219
7
99
36
1
1
97
0
4
6
40
2
38
1
4
4
26
42
4
3
0
39
0no
74
118
2
73
15
0
0
88
6
4
6
32
2
65
20
0
0
20
85
4
5
0
90
0no
79
330
9
93
29
0
0
100
-7
7
8
21
2
41
0
3
3
26
75
7
2
1
69
1yes
65
328
2
103
13
1
1
82
16
5
2
36
1
41
4
1
1
77
-8
3
2
1
86
1yes
80
202
12
85
25
0
0
100
-7
7
8
43
0
32
0
2
2
3
6
2
4
0
86
0no
78
188
3
72
20
1
1
96
45
6
3
24
7
43
0
2
2
1
91
1
5
0
43
0no
60
267
4
115
37
0
0
97
3
4
6
42
3
38
4
2
2
33
65
5
5
1
73
0no
66
123
5
51
38
0
0
97
9
4
6
26
1
26
0
4
3
38
61
5
3
1
53
1yes
80
372
13
71
9
0
0
100
-7
7
8
14
0
33
0
4
4
35
-8
1
1
1
29
0no
71
207
6
187
22
0
0
100
-7
7
8
3
1
23
0
2
2
79
95
10
1
7
100
0no
84
391
18
84
27
0
0
100
-7
7
8
22
0
22
3
1
1
11
-8
4
-8
0
33
0no
68
331
11
134
39
0
0
92
2
4
6
23
1
31
0
3
3
37
64
6
6
0
68
1yes
87
133
7
67
11
0
0
100
-7
7
8
2
1
55
8
0
0
0
82
0
2
0
40
0no
76
78
3
70
23
0
0
100
-7
7
8
2
5
8
0
2
2
76
-8
5
-8
2
56
0no
91
288
33
122
16
0
0
100
-7
7
8
34
0
31
-8
0
0
2
-8
1
1
0
29
0no
87
136
24
86
16
0
0
100
-7
7
8
6
0
38
0
2
2
0
-8
0
1
0
10
0no
84
188
12
78
30
0
0
100
-7
7
8
30
0
21
2
1
1
0
-8
1
2
1
75
0no
75
153
15
83
22
0
0
95
20
6
6
39
0
18
1
5
5
13
-8
1
-8
0
33
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
79
99
12
28
4
0
0
100
-7
7
8
16
0
50
-8
0
0
40
-8
1
-8
0
50
0no
83
199
9
98
53
0
0
100
-7
7
8
77
2
20
0
2
2
14
-8
4
1
0
29
1yes
83
187
13
99
12
0
0
92
6
4
6
22
0
17
22
0
0
23
-8
1
1
0
50
0no
69
315
8
81
41
0
0
100
-7
7
8
55
1
45
0
3
3
57
93
2
9
2
79
0no
77
285
7
74
14
0
0
100
-7
7
8
21
3
0
12
0
0
23
-8
9
-8
2
69
1yes
80
135
24
98
18
0
0
94
18
6
6
16
0
44
2
1
1
6
-8
4
1
0
71
0no
85
208
7
131
15
0
0
100
-7
7
8
33
1
33
1
1
1
12
-8
1
1
0
40
0no
77
210
16
118
22
0
0
100
-7
7
8
6
0
60
0
2
2
52
83
6
2
0
100
1yes
72
444
12
78
18
0
0
100
-7
7
8
16
0
22
-8
0
0
74
-8
5
-8
4
63
1yes
81
165
2
67
36
0
0
100
-7
7
8
33
4
22
9
0
0
7
33
6
3
0
75
0no
77
254
8
39
25
0
0
96
67
6
6
16
3
4
7
0
0
1
-8
4
-8
1
19
1yes
89
290
12
71
9
0
0
100
-7
7
8
29
0
0
9
0
0
15
-8
1
-8
0
33
0no
79
45
10
61
22
0
0
95
13
6
6
1
2
41
2
1
1
0
37
2
3
0
50
0no
87
276
9
92
25
0
0
100
-7
7
8
38
2
32
1
2
2
7
-8
3
3
0
67
0no
68
288
3
108
19
0
0
86
2
4
6
37
3
10
2
1
1
6
101
4
1
0
38
0no
90
180
3
87
18
0
0
100
-7
7
8
5
1
28
18
0
0
0
72
0
1
-8
13
0no
70
156
5
58
3
0
0
100
-7
7
8
3
1
33
1
2
2
95
88
1
1
-8
100
0no
75
143
1
53
27
0
0
97
29
6
6
18
6
45
1
1
1
10
89
3
6
0
64
0no
88
154
11
69
9
0
0
100
-7
7
8
22
1
67
10
1
1
2
70
1
3
0
80
0no
69
403
1
95
16
0
0
76
50
6
6
51
3
29
0
2
2
34
-8
5
1
2
64
0no
69
307
15
80
16
0
0
100
-7
7
8
9
0
25
14
0
0
60
0
8
2
5
83
1yes
79
-8
4
81
18
0
0
94
43
6
6
0
1
17
0
3
3
0
65
1
3
0
50
0no
85
147
7
75
36
0
0
97
39
6
6
42
1
22
0
1
1
0
-8
1
1
0
17
0no
70
206
5
67
27
0
0
96
1
4
6
45
2
33
2
3
3
11
61
3
2
0
42
0no
76
154
17
104
26
0
0
100
-7
7
8
17
0
31
2
2
2
25
77
2
2
1
83
0no
85
232
2
105
26
0
0
100
-7
7
8
41
2
39
0
2
2
5
-8
3
3
1
46
0no
45
341
6
75
25
2
1
85
1
3
5
48
3
35
1
1
1
89
-8
8
1
4
83
1yes
73
238
2
101
44
2
1
87
6
4
2
50
2
13
0
2
2
5
-8
4
1
0
29
0no
88
74
2
120
23
0
0
100
-7
7
8
13
2
25
3
1
1
2
61
3
1
0
56
0no
66
437
4
113
27
9
9
96
51
0
6
33
2
11
8
0
0
17
85
3
1
0
31
0no
86
372
14
119
23
0
0
96
49
6
6
7
0
26
-8
0
0
8
-8
2
1
0
50
0no
73
94
11
80
34
0
0
94
2
4
6
2
1
26
4
2
2
0
72
0
3
0
18
0no
84
222
7
101
25
0
0
100
-7
7
8
39
1
24
0
1
1
9
-8
5
1
0
46
0no
76
157
3
83
20
1
1
95
40
6
2
7
2
38
1
2
2
22
73
6
2
0
100
0no
64
320
2
96
40
0
0
93
24
6
6
42
2
37
0
7
7
35
77
14
2
1
80
0no
81
336
19
68
6
0
0
100
-7
7
8
10
0
50
18
0
0
73
-8
1
1
0
100
1yes
89
388
14
116
12
0
0
100
-7
7
8
47
0
25
-8
0
0
8
-8
4
-8
0
80
0no
76
182
1
93
30
0
0
97
33
6
6
21
5
16
2
1
1
43
98
3
2
1
46
0no
83
289
25
115
15
0
0
100
-7
7
8
35
0
40
24
0
0
15
31
2
2
1
57
0no
76
-8
1
45
17
0
0
100
-7
7
8
0
3
25
0
3
3
6
-8
3
4
2
64
0no
79
163
5
90
17
0
0
100
-7
7
8
23
1
12
1
2
2
14
38
2
2
1
67
0no
75
125
2
66
38
0
0
100
-7
7
8
24
5
15
8
0
0
17
15
11
1
0
67
0no
62
175
5
41
17
1
1
88
27
6
6
4
2
24
0
2
2
10
73
2
1
0
33
1yes
85
148
4
58
42
0
0
100
-7
7
8
62
4
9
0
3
3
2
100
3
2
0
24
0no
65
406
1
72
30
1
1
100
-7
6
8
40
5
48
2
2
2
47
65
6
5
0
79
0no
80
391
16
136
16
0
0
100
-7
7
8
30
0
44
1
1
1
12
13
3
3
1
67
0no
70
214
3
93
30
0
0
84
10
4
6
32
3
19
24
0
0
15
-8
9
1
0
61
0no
72
387
6
107
24
1
1
96
48
6
2
26
1
20
0
2
2
38
-8
6
1
2
50
1yes
88
-8
15
120
11
0
0
100
-7
7
8
0
0
9
1
1
1
2
-8
3
1
0
63
0no
69
166
1
97
19
0
0
100
-7
7
8
13
4
0
0
13
13
40
-8
8
-8
4
73
1yes
63
437
6
154
10
3
1
77
8
2
4
27
1
38
5
0
0
36
31
5
3
0
80
1yes
87
437
2
137
25
0
0
100
-7
7
8
25
1
12
4
1
1
4
-8
6
1
0
50
0no
75
328
15
162
19
0
0
84
3
4
6
19
0
0
-8
0
0
7
-8
5
-8
0
45
0no
86
12
9
62
6
0
0
100
-7
7
8
2
1
0
1
1
1
7
-8
1
-8
0
25
0no
83
232
9
83
28
0
0
100
-7
7
8
53
1
18
11
0
0
5
12
5
2
0
41
0no
74
160
6
85
11
1
1
92
20
6
3
13
1
42
0
2
1
12
-8
1
1
0
100
0no
58
61
5
82
34
1
0
91
0
3
5
3
1
33
5
0
0
4
-8
5
5
0
65
0no
76
-8
10
51
10
0
0
100
-7
7
8
0
1
20
17
0
0
39
22
5
2
0
100
0no
69
70
3
35
21
0
0
100
-7
7
8
24
6
25
2
4
4
43
-8
6
3
3
60
0no
87
153
38
83
5
0
0
100
-7
7
8
12
0
20
2
1
1
0
-8
1
1
0
67
0no
88
457
11
169
18
0
0
100
-7
7
8
28
1
0
12
0
0
14
-8
5
-8
0
50
0no
58
171
7
49
19
0
0
100
-7
7
8
41
3
25
1
7
7
83
70
8
1
7
69
1yes
78
341
10
94
34
0
0
100
-7
7
8
26
2
44
0
3
3
18
57
2
6
0
64
1yes
67
190
17
83
29
1
0
93
74
6
5
28
0
27
17
0
0
72
-8
7
1
3
67
1yes
54
191
5
89
11
6
4
73
22
0
2
14
3
40
4
1
1
15
73
2
1
0
75
1yes
85
224
10
101
16
0
0
100
-7
7
8
5
2
25
13
0
0
1
72
2
2
0
44
0no
72
-8
8
57
10
0
0
100
-7
7
8
0
2
50
8
0
0
56
-8
3
1
3
80
0no
88
454
15
119
28
0
0
100
-7
7
8
3
0
33
-8
0
0
3
47
4
2
0
43
0no
64
286
1
97
27
0
0
93
6
4
6
55
3
45
0
6
6
33
57
2
3
1
56
1yes
72
150
20
43
7
1
0
88
11
3
5
25
0
25
0
3
3
4
-8
4
2
0
75
1yes
86
192
1
88
43
0
0
100
-7
7
8
11
7
37
0
8
8
5
-8
1
4
0
42
0no