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
66
195
13
67
19
0
0
95
0
4
6
20
0
42
3
1
1
23
83
3
3
0
88
1yes
64
241
2
92
39
0
0
100
-7
7
8
50
1
33
0
5
5
68
66
10
1
4
65
0no
70
297
2
140
16
0
0
100
-7
7
8
12
1
24
16
0
0
71
48
8
2
3
100
0no
83
414
4
135
26
0
0
100
-7
7
8
24
2
19
-8
0
0
13
8
6
1
0
47
0no
80
242
8
86
16
0
0
100
-7
7
8
12
1
25
0
1
1
37
48
2
2
1
67
0no
79
214
4
85
37
0
0
97
8
4
6
15
2
27
4
2
2
6
78
3
3
0
38
0no
72
254
11
68
18
0
0
95
1
4
6
24
1
16
4
1
1
3
19
4
3
0
58
1yes
87
270
17
96
19
0
0
100
-7
7
8
51
0
45
-8
0
0
8
36
3
3
0
67
0no
63
298
3
90
30
2
0
67
3
3
5
25
3
21
2
6
6
15
43
16
4
1
80
1yes
84
379
2
59
43
0
0
100
-7
7
8
72
4
22
2
2
2
8
24
3
2
0
26
1yes
85
203
8
59
15
0
0
100
-7
7
8
26
2
40
0
1
1
0
85
1
2
0
30
0no
83
364
3
106
22
1
1
91
27
6
3
28
2
13
0
4
4
17
-8
4
1
0
63
0no
86
321
20
96
15
0
0
100
-7
7
8
16
0
47
-8
0
0
16
59
3
2
0
63
0no
87
266
15
137
24
0
0
100
-7
7
8
3
0
40
21
0
0
4
-8
4
2
0
46
0no
77
129
15
66
19
0
0
95
48
6
6
19
0
47
14
0
0
40
29
2
2
0
80
0no
69
202
6
94
25
1
1
85
11
4
6
27
1
27
0
7
7
4
-8
2
2
0
44
1yes
89
218
4
87
24
0
0
100
-7
7
8
10
2
35
22
0
0
9
-8
1
1
0
20
0no
87
150
27
77
27
0
0
100
-7
7
8
27
0
30
2
1
1
4
3
4
2
0
55
0no
76
268
1
78
23
0
0
100
-7
7
8
35
6
28
0
2
2
13
53
4
2
0
43
0no
88
448
6
156
23
0
0
100
-7
7
8
29
1
22
-8
0
0
6
4
5
2
0
50
0no
71
371
17
150
29
0
0
100
-7
7
8
24
0
24
2
1
1
50
76
6
3
3
53
0no
82
306
17
71
7
0
0
100
-7
7
8
21
0
43
5
0
0
39
-8
2
1
0
75
0no
80
319
8
81
31
1
0
97
37
6
5
34
4
31
9
0
0
6
52
4
3
0
47
0no
82
205
2
93
42
0
0
98
73
6
6
40
1
16
1
1
1
1
-8
4
2
0
35
0no
81
276
7
77
34
0
0
100
-7
7
8
39
3
0
7
0
0
13
-8
5
-8
0
24
0no
72
290
12
119
45
0
0
100
-7
7
8
22
0
28
11
0
0
37
44
12
5
1
78
0no
79
364
35
111
22
0
0
100
-7
7
8
31
0
27
-8
0
0
93
51
1
2
1
75
0no
91
-8
10
99
11
0
0
100
-7
7
8
0
1
73
0
3
3
0
-8
1
1
0
50
0no
86
214
3
96
24
0
0
100
-7
7
8
4
1
54
0
1
1
25
-8
1
1
1
33
0no
85
425
8
109
36
0
0
100
-7
7
8
35
1
14
4
1
1
5
-8
3
1
0
36
0no
76
143
11
84
18
0
0
94
12
6
6
8
2
39
10
0
0
11
64
2
2
0
57
0no
85
267
4
125
25
0
0
100
-7
7
8
18
6
48
4
1
1
15
90
3
5
0
80
0no
78
368
26
132
28
0
0
96
47
6
6
38
0
29
2
2
2
15
-8
1
2
0
30
0no
87
201
2
71
13
0
0
100
-7
7
8
19
1
36
1
2
2
5
-8
1
1
0
40
1yes
88
392
7
85
23
0
0
100
-7
7
8
76
2
25
6
0
0
7
-8
3
1
0
50
0no
89
264
17
121
11
0
0
100
-7
7
8
3
0
45
-8
0
0
4
21
3
1
0
100
0no
90
217
32
90
27
0
0
100
-7
7
8
10
0
30
0
1
1
1
-8
4
1
0
63
0no
84
347
5
75
25
0
0
100
-7
7
8
19
3
44
4
1
1
2
81
2
3
0
56
0no
82
194
4
102
26
0
0
100
-7
7
8
15
2
35
-8
2
0
12
51
3
3
0
67
0no
63
71
2
43
29
0
0
100
-7
7
8
18
5
16
2
3
3
46
86
12
3
3
65
1yes
82
217
18
87
16
0
0
94
41
6
6
29
0
35
2
1
1
9
96
1
2
0
60
0no
60
-8
7
87
27
0
0
93
2
4
6
0
3
7
0
2
2
40
-8
14
1
4
94
1yes
86
115
3
121
33
0
0
100
-7
7
8
6
5
9
9
0
0
2
42
5
2
0
29
0no
86
311
15
115
27
0
0
100
-7
7
8
24
0
0
2
1
1
5
-8
2
-8
0
20
0no
59
287
6
101
36
1
1
83
1
4
6
36
2
22
0
1
1
19
62
8
4
0
63
0no
85
386
2
125
25
0
0
96
34
6
6
49
1
39
1
1
1
2
72
4
3
0
64
0no
71
-8
7
61
38
0
0
97
19
6
6
0
2
16
1
1
1
57
85
8
3
4
58
0no
70
150
26
165
31
0
0
95
1
4
6
10
0
37
1
3
3
7
-8
4
2
0
46
0no
73
94
5
37
34
0
0
97
55
6
6
21
4
29
4
1
1
9
85
6
3
0
47
1yes
75
151
7
71
39
0
0
100
-7
7
8
10
5
15
7
0
0
33
-8
6
1
0
70
0no
72
189
11
91
45
1
1
98
8
4
6
54
1
58
2
3
3
0
36
1
3
0
33
0no
85
320
17
104
18
0
0
94
46
6
6
46
0
17
-8
0
0
3
75
1
2
0
27
0no
80
162
4
61
39
0
0
98
74
6
6
45
4
12
8
0
0
11
-8
7
1
0
53
0no
68
169
4
107
25
0
0
100
-7
7
8
7
1
32
0
1
1
66
73
11
3
5
82
1yes
83
589
3
98
41
0
0
100
-7
7
8
34
2
46
-8
0
0
4
60
6
8
0
61
0no
93
180
7
111
12
0
0
100
-7
7
8
35
1
15
22
0
0
0
90
1
1
0
40
0no
71
185
4
61
38
0
0
100
-7
7
8
23
3
34
5
1
1
32
71
7
4
0
65
0no
84
80
13
74
24
0
0
100
-7
7
8
2
0
21
1
2
2
14
-8
2
1
0
43
0no
69
301
3
79
19
0
0
79
13
6
6
20
2
47
3
2
2
33
45
3
3
0
100
1yes
72
157
5
60
37
0
0
97
0
4
6
32
4
19
10
0
0
7
-8
4
1
0
45
0no
82
233
6
108
28
0
0
100
-7
7
8
40
1
28
5
0
0
5
-8
4
2
1
40
0no
83
177
1
60
18
0
0
100
-7
7
8
25
4
37
0
2
2
6
74
3
3
1
64
0no
87
185
6
85
23
0
0
100
-7
7
8
44
3
13
-8
0
0
7
-8
5
1
0
43
0no
79
189
1
60
24
0
0
100
-7
7
8
26
2
28
0
2
2
15
63
2
4
0
50
1yes
67
208
1
74
43
0
0
98
12
6
6
33
3
27
3
3
3
36
88
8
4
2
57
0no
71
196
8
76
10
2
1
91
54
6
5
11
1
36
3
2
2
57
-8
3
3
0
86
0no
80
215
2
121
40
0
0
98
47
6
6
26
6
11
2
3
3
1
81
5
4
0
35
0no
84
338
13
77
15
0
0
100
-7
7
8
57
0
20
19
0
0
15
31
5
2
0
58
0no
79
141
16
111
21
0
0
100
-7
7
8
14
0
33
0
2
2
14
79
4
2
1
78
0no
85
226
2
84
14
0
0
100
-7
7
8
27
1
13
2
1
1
6
-8
6
-8
0
75
0no
93
-8
24
111
20
0
0
100
-7
7
8
0
0
10
8
0
0
1
-8
2
-8
0
40
0no
71
161
3
42
27
0
0
100
-7
7
8
39
1
22
17
0
0
59
-8
4
3
3
62
1yes
72
242
13
87
43
0
0
98
18
6
6
59
0
26
0
2
1
13
81
4
2
2
33
1yes
75
234
0
73
34
1
0
97
30
6
5
45
6
11
0
2
2
11
88
6
2
1
33
0no
76
334
7
54
26
0
0
96
70
6
6
40
2
19
0
2
2
5
79
3
2
1
56
0no
81
69
6
19
6
0
0
100
-7
7
8
3
4
33
4
2
1
3
-8
2
2
0
100
0no
86
228
2
79
42
0
0
100
-7
7
8
17
4
20
0
6
6
9
-8
7
1
0
50
0no
87
122
2
121
12
0
0
100
-7
7
8
3
3
31
2
2
2
6
-8
3
1
0
50
0no
71
385
4
89
23
0
0
96
55
6
6
23
2
39
12
0
0
53
59
8
3
3
85
0no
72
386
3
95
33
0
0
100
-7
7
8
33
3
18
2
2
2
30
97
9
2
1
58
0no
84
233
37
123
19
1
1
90
20
6
4
52
0
20
6
0
0
1
-8
3
1
0
40
0no
89
-8
24
99
18
0
0
100
-7
7
8
0
0
22
3
1
1
3
-8
1
1
0
20
0no
67
50
4
27
9
1
1
89
34
6
6
9
2
44
0
2
2
3
36
1
2
0
43
0no
90
470
25
159
13
0
0
100
-7
7
8
37
0
62
23
0
0
0
-8
1
-8
0
50
0no
73
235
3
89
29
0
0
100
-7
7
8
3
1
24
3
1
1
51
-8
4
-8
2
50
0no
76
155
10
133
36
2
2
97
79
6
2
19
1
43
3
1
1
6
69
4
3
0
41
0no
87
347
14
139
25
0
0
100
-7
7
8
31
0
20
4
1
1
8
81
4
2
0
55
0no
85
407
31
81
7
0
0
100
-7
7
8
19
0
43
1
1
1
28
-8
1
1
0
67
0no
63
177
9
97
15
0
0
67
5
4
6
6
1
27
0
2
2
60
92
2
2
2
67
1yes
82
150
9
49
12
0
0
100
-7
7
8
18
1
42
14
0
0
5
92
1
2
0
43
0no
80
459
2
81
31
0
0
100
-7
7
8
37
3
50
10
0
0
29
66
2
4
0
64
0no
81
218
4
68
53
0
0
100
-7
7
8
9
3
25
5
0
0
26
40
4
3
1
54
0no
79
79
1
83
26
0
0
100
-7
7
8
1
1
37
0
2
2
36
34
2
2
0
50
0no
82
405
58
200
16
0
0
94
30
6
6
19
0
50
0
2
2
3
-8
2
2
0
57
0no
85
389
8
97
29
0
0
100
-7
7
8
30
2
33
0
1
1
18
76
5
1
0
40
0no
73
399
2
139
29
1
0
84
34
6
5
38
2
29
1
2
2
8
66
6
3
0
56
1yes
71
43
8
84
14
2
2
93
32
6
2
4
1
38
0
1
1
46
94
2
2
0
57
0no
70
204
20
114
27
0
0
85
4
4
6
27
0
19
-8
0
0
8
-8
2
1
0
50
0no
59
302
10
137
24
2
1
88
2
4
5
39
1
32
1
2
2
50
75
3
4
0
70
1yes
83
394
22
142
34
0
0
100
-7
7
8
25
0
15
-8
0
0
0
51
1
2
1
43
0no