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
79
169
9
116
21
1
0
91
8
4
5
7
3
41
11
1
1
4
90
2
3
0
63
1yes
79
166
6
91
24
0
0
96
13
6
6
15
1
17
-8
0
0
24
-8
4
2
0
46
1yes
87
99
37
99
24
0
0
100
-7
7
8
3
0
29
15
0
0
11
8
1
2
0
38
0no
72
184
26
99
26
1
0
96
11
4
5
30
0
56
22
0
0
0
85
0
2
0
50
0no
85
123
10
74
6
0
0
100
-7
7
8
5
1
43
0
1
1
13
-8
1
-8
0
100
1yes
83
196
29
82
21
0
0
100
-7
7
8
35
0
57
17
0
0
2
51
1
4
0
63
0no
76
374
9
124
25
0
0
88
21
6
6
23
2
24
8
0
0
4
-8
5
3
0
57
0no
85
-8
5
79
5
0
0
100
-7
7
8
0
1
40
1
2
2
19
-8
3
-8
1
100
1yes
83
152
2
74
10
0
0
85
37
6
6
16
4
15
5
0
0
8
-8
5
-8
0
63
0no
86
336
88
241
24
2
1
88
73
6
5
21
0
15
-8
0
0
0
-8
0
-8
0
0
0no
82
192
5
91
47
1
1
92
36
6
3
6
2
39
4
1
1
6
82
4
2
0
33
0no
91
196
17
109
14
0
0
100
-7
7
8
36
0
20
16
0
0
3
-8
1
-8
0
17
0no
57
263
3
81
45
1
1
100
-7
0
8
70
3
29
6
0
0
71
89
9
3
5
100
1yes
68
-8
4
29
17
1
0
94
9
3
5
0
5
0
0
5
5
9
-8
4
-8
1
42
0no
81
289
1
106
25
0
0
96
29
6
6
39
2
31
3
1
1
16
75
5
2
0
47
0no
87
167
3
134
25
0
0
100
-7
7
8
14
1
20
-8
0
0
5
-8
4
1
0
36
0no
77
64
2
79
43
0
0
98
76
6
6
14
2
18
9
0
0
9
74
9
2
0
48
0no
91
-8
20
113
15
0
0
100
-7
7
8
0
0
20
1
1
1
3
14
1
1
0
29
0no
83
185
5
70
19
0
0
95
42
6
6
18
2
37
5
0
0
14
73
1
2
0
60
0no
80
342
3
122
38
0
0
100
-7
7
8
39
4
28
3
3
3
0
-8
2
2
0
43
0no
69
180
23
92
25
0
0
92
8
6
6
29
0
16
6
0
0
12
59
4
2
1
70
1yes
91
230
12
135
18
0
0
100
-7
7
8
32
0
16
12
0
0
10
-8
1
-8
0
25
0no
63
77
2
71
24
1
1
96
37
6
6
14
1
43
2
1
1
43
78
6
8
2
79
0no
90
191
19
103
16
0
0
100
-7
7
8
6
0
56
18
0
0
3
-8
3
1
0
100
0no
73
137
0
64
17
0
0
89
19
6
6
18
2
33
0
2
2
42
78
4
3
0
58
0no
71
356
8
110
38
0
0
100
-7
7
8
23
1
13
10
0
0
43
90
12
2
3
64
0no
74
304
10
78
18
0
0
89
15
6
6
23
1
53
3
2
2
7
54
3
3
0
67
0no
92
264
18
168
14
0
0
100
-7
7
8
1
0
0
-8
0
0
1
-8
3
-8
0
43
0no
90
242
35
158
7
0
0
100
-7
7
8
15
0
14
-8
0
0
0
-8
2
-8
0
33
0no
82
76
4
78
18
0
0
100
-7
7
8
3
3
44
0
1
1
19
91
4
2
1
88
0no
84
394
3
204
22
0
0
100
-7
7
8
24
3
4
3
2
2
0
-8
2
-8
0
33
0no
74
111
3
65
14
0
0
100
-7
7
8
15
2
29
3
1
1
55
100
3
2
3
56
1yes
79
366
3
73
11
0
0
92
0
4
6
23
2
75
-8
0
0
13
98
2
2
0
80
0no
77
413
8
140
29
0
0
100
-7
7
8
27
2
28
3
1
1
30
42
2
3
1
38
0no
63
179
2
41
16
1
1
89
10
4
6
22
5
53
0
2
2
37
67
2
5
1
100
1yes
85
173
2
67
18
0
0
100
-7
7
8
10
2
21
1
2
2
0
-8
1
-8
0
10
0no
92
206
8
122
11
0
0
100
-7
7
8
20
1
15
1
1
1
1
-8
2
1
0
60
0no
76
-8
7
14
7
0
0
100
-7
7
8
0
2
0
10
0
0
5
-8
3
-8
0
75
0no
89
-8
3
114
19
0
0
100
-7
7
8
0
1
26
-8
0
0
2
94
2
2
0
57
0no
72
334
2
69
19
0
0
100
-7
7
8
59
4
15
0
2
2
51
-8
3
-8
1
50
0no
81
409
17
217
25
0
0
88
47
6
6
9
0
28
-8
0
0
11
59
9
3
0
71
0no
72
419
1
22
6
0
0
100
-7
7
8
12
3
29
9
1
0
37
58
3
2
0
71
1yes
85
-8
1
97
32
0
0
100
-7
7
8
0
2
9
1
1
1
22
-8
4
-8
0
100
0no
67
147
6
70
52
0
0
95
3
4
6
50
6
24
6
0
0
21
17
3
3
1
46
0no
77
118
5
58
36
0
0
97
56
6
6
38
2
11
5
0
0
6
42
1
2
0
27
0no
65
168
2
49
13
2
2
100
-7
0
8
34
3
31
0
4
4
1
80
1
2
0
38
0no
88
162
10
98
10
0
0
100
-7
7
8
15
1
20
9
0
0
0
-8
4
1
1
100
0no
91
132
36
143
13
0
0
100
-7
7
8
2
0
8
21
0
0
9
-8
2
-8
0
22
0no
76
190
1
72
11
0
0
92
24
6
6
25
2
17
1
3
3
36
-8
5
1
2
67
0no
82
355
10
123
36
0
0
97
42
6
6
29
1
27
11
0
0
14
46
3
3
0
50
0no
90
327
5
136
15
0
0
100
-7
7
8
9
1
33
5
0
0
1
-8
1
1
0
40
0no
73
288
11
61
8
0
0
88
8
4
6
24
2
50
1
1
1
46
-8
2
1
0
100
1yes
83
157
25
206
5
0
0
100
-7
7
8
22
0
0
7
0
0
15
-8
2
-8
0
50
0no
79
334
4
119
38
0
0
100
-7
7
8
45
1
32
3
3
3
16
63
5
2
0
37
0no
85
326
4
120
21
0
0
100
-7
7
8
44
1
26
4
3
3
5
39
2
2
0
31
0no
78
214
6
112
20
0
0
95
15
6
6
16
3
30
9
0
0
24
23
5
3
0
80
0no
70
298
5
71
24
0
0
96
81
6
6
47
6
13
0
2
2
29
-8
3
1
1
36
0no
72
173
4
75
26
0
0
96
19
6
6
26
1
30
19
0
0
42
-8
3
-8
1
38
1yes
91
108
58
226
4
0
0
100
-7
7
8
3
0
0
17
0
0
1
-8
1
-8
-8
25
1yes
73
-8
1
84
21
0
0
100
-7
7
8
0
2
9
0
3
3
30
101
6
1
1
58
0no
86
335
5
104
18
0
0
100
-7
7
8
5
2
32
4
1
1
4
81
4
1
1
71
1yes
71
446
14
109
25
0
0
100
-7
7
8
32
0
8
19
0
0
66
-8
5
1
4
44
0no
65
258
5
73
62
0
0
97
7
4
6
60
7
25
3
2
2
20
54
11
9
1
49
1yes
69
155
10
85
26
0
0
100
-7
7
8
26
1
12
1
2
2
54
81
12
1
5
68
0no
83
215
8
123
20
0
0
100
-7
7
8
7
1
15
1
2
2
7
-8
3
1
0
40
0no
86
227
9
103
32
0
0
100
-7
7
8
35
2
28
14
0
0
14
16
3
2
0
42
0no
78
239
3
83
20
0
0
90
10
6
6
13
2
15
1
2
2
2
55
3
3
0
55
1yes
75
212
3
31
12
0
0
92
16
6
6
23
3
42
2
1
1
15
97
3
2
0
83
1yes
70
140
7
33
5
1
1
100
-7
6
8
3
3
0
1
1
1
4
-8
3
-8
0
60
0no
87
57
18
215
12
0
0
100
-7
7
8
2
0
25
-8
0
0
0
73
1
1
0
29
0no
61
132
3
48
21
2
1
78
12
6
5
26
2
39
0
2
1
39
99
3
2
1
63
1yes
87
178
9
91
11
0
0
91
13
6
6
4
1
18
0
2
2
0
-8
1
-8
0
50
1yes
58
263
16
88
21
2
0
69
1
4
5
55
0
19
2
1
1
20
51
6
1
1
57
1yes
64
231
1
67
32
1
1
100
-7
6
8
27
5
12
1
6
6
53
-8
4
1
4
75
1yes
83
242
1
92
35
0
0
100
-7
7
8
36
3
11
1
2
2
8
52
6
3
0
36
1yes
68
259
9
88
21
4
1
77
15
6
3
26
1
38
0
18
18
27
80
2
3
1
56
1yes
57
164
5
74
30
1
1
90
7
0
6
35
1
57
0
5
4
64
75
6
4
2
92
1yes
72
159
6
79
36
1
1
97
13
0
2
37
2
19
3
2
2
13
74
9
3
1
62
0no
59
191
3
49
54
0
0
100
-7
7
8
65
10
43
1
4
4
83
95
6
5
3
100
1yes
72
236
5
88
29
1
1
84
10
4
2
43
1
13
0
3
3
2
3
2
1
0
23
1yes
74
343
6
93
34
0
0
97
15
6
6
44
3
35
0
3
3
2
73
5
3
1
42
1yes
81
220
12
36
5
0
0
100
-7
7
8
35
0
60
7
0
0
0
-8
0
1
0
33
1yes
64
436
10
94
27
0
0
93
2
4
6
38
1
4
6
0
0
59
-8
9
-8
5
56
1yes
61
194
8
58
14
0
0
86
0
4
6
23
3
36
11
0
0
23
69
3
3
1
75
1yes
77
81
2
49
17
0
0
100
-7
7
8
13
2
39
0
3
3
43
81
2
4
1
86
1yes
71
171
27
92
9
0
0
67
7
4
6
9
0
22
5
0
0
40
43
3
1
0
67
1yes
82
130
10
64
22
0
0
95
8
4
6
22
1
9
9
0
0
2
52
5
2
0
50
1yes
67
168
2
39
17
2
2
82
17
6
2
22
3
18
0
4
4
1
-8
6
1
0
50
1yes
85
209
5
85
21
0
0
100
-7
7
8
21
1
57
-8
0
0
12
45
7
2
0
90
1yes
80
132
3
51
13
0
0
92
-8
6
6
13
1
46
1
4
4
2
77
1
3
0
100
1yes
60
212
2
84
43
0
0
93
11
4
6
44
3
23
2
4
4
20
75
10
3
3
52
1yes
80
224
2
67
39
0
0
95
14
6
6
40
2
15
0
2
2
2
37
4
3
0
39
1yes
86
269
16
97
22
0
0
100
-7
7
8
22
0
32
0
4
4
0
-8
2
-8
1
33
1yes
75
305
2
95
38
2
1
95
39
6
5
40
3
20
0
4
3
26
-8
5
1
1
50
1yes
69
163
7
69
28
0
0
100
-7
7
8
29
3
41
1
3
3
52
79
8
3
2
75
1yes
84
220
3
94
37
0
0
97
12
6
6
37
3
30
9
0
0
5
95
1
3
0
40
1yes
66
193
6
43
40
0
0
98
71
6
6
40
3
25
1
1
1
19
-8
12
2
1
64
1yes
55
85
19
59
6
4
3
33
7
0
2
9
0
44
19
0
0
29
-8
2
1
0
75
1yes
82
181
10
92
10
0
0
90
71
6
6
10
2
30
3
1
1
5
-8
2
1
0
60
1yes
75
146
2
69
24
0
0
100
-7
7
8
25
2
52
4
1
1
58
99
3
3
1
86
1yes