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
70
131
1
75
19
0
0
95
0
4
6
20
2
25
0
5
5
15
46
4
3
1
54
1yes
58
315
10
78
10
0
0
64
3
4
6
15
1
64
2
3
3
78
77
2
2
1
100
1yes
57
132
3
67
47
1
1
96
6
4
6
14
2
55
0
5
5
50
86
8
13
2
81
1yes
73
246
1
79
26
0
0
100
-7
7
8
29
6
26
0
1
1
50
-8
4
2
4
50
1yes
57
226
15
144
24
0
0
83
0
4
6
7
0
38
7
0
0
89
58
12
3
4
94
1yes
55
202
29
71
7
1
1
57
5
4
6
29
0
43
1
3
3
42
-8
2
1
0
75
1yes
89
474
49
184
8
0
0
100
-7
7
8
15
0
0
-8
0
0
-8
-8
-8
-8
-8
-8
1yes
67
227
1
90
11
1
1
100
-7
6
8
11
1
50
1
3
3
0
48
1
2
0
57
1yes
58
336
1
52
27
1
1
100
-7
0
8
54
5
29
1
2
2
34
63
6
4
3
63
1yes
82
163
18
86
14
0
0
100
-7
7
8
14
0
7
5
1
0
35
70
3
1
0
83
1yes
60
91
4
87
23
1
0
76
7
4
5
3
2
20
2
2
2
57
100
3
2
2
50
1yes
67
330
5
53
39
1
1
97
35
6
6
51
5
49
5
1
1
47
67
7
4
1
85
1yes
82
212
2
111
16
0
0
100
-7
7
8
28
2
56
2
1
1
33
92
4
3
0
88
1yes
92
132
15
103
24
0
0
100
-7
7
8
24
0
52
4
1
1
0
-8
1
-8
0
50
1yes
83
284
34
93
9
0
0
100
-7
7
8
22
0
33
7
0
0
0
50
0
1
0
25
1yes
78
125
4
79
30
1
1
97
51
6
4
23
3
26
6
0
0
7
-8
2
1
0
23
1yes
58
196
5
61
23
0
0
96
16
6
6
16
3
22
0
3
3
78
83
8
2
4
83
1yes
57
257
7
81
11
5
3
40
7
1
3
15
1
40
0
1
1
11
-8
3
1
0
57
1yes
69
432
7
181
13
2
0
73
3
3
5
10
1
27
0
9
9
7
-8
1
1
0
60
1yes
77
433
2
22
7
0
0
100
-7
7
8
24
3
25
1
2
2
17
100
1
2
0
60
1yes
75
173
15
86
25
0
0
100
-7
7
8
25
0
16
0
0
0
46
-8
6
1
2
57
0no
59
116
10
70
3
1
1
75
11
0
2
4
1
100
0
1
1
-8
77
-8
2
-8
100
1yes
63
59
1
29
16
0
0
100
-7
7
8
17
3
53
0
2
2
100
92
5
4
4
100
1yes
61
192
1
54
13
1
1
87
14
6
3
15
4
53
0
0
0
54
-8
3
1
1
80
1yes
63
313
16
113
17
3
0
70
19
5
5
23
0
22
0
1
1
61
-8
7
1
1
82
1yes
87
304
7
91
23
0
0
100
-7
7
8
24
1
63
0
0
0
8
73
5
2
0
78
0no
65
15
2
8
8
0
0
100
-7
7
8
10
7
20
0
3
3
31
100
5
2
0
70
1yes
69
211
3
76
41
0
0
100
-7
7
8
41
4
17
0
1
1
48
64
5
3
4
29
1yes
62
166
6
42
5
1
0
67
17
6
5
6
2
17
0
1
1
50
-8
3
1
1
80
0no
86
228
5
85
31
0
0
100
-7
7
8
32
3
41
0
0
0
16
42
2
2
0
44
1yes
67
182
2
63
31
0
0
88
14
6
6
32
3
44
0
2
2
50
59
5
4
2
83
0no
68
134
3
45
28
1
0
94
50
6
5
31
7
45
0
3
3
23
94
4
3
1
58
1yes
67
374
2
77
49
1
0
89
32
6
5
56
13
48
0
0
0
53
96
9
6
0
83
1yes
-9
87
10
35
18
1
1
89
3
2
4
19
2
16
0
2
2
29
73
6
1
1
47
1yes
65
26
2
13
8
0
0
100
-7
7
8
11
4
45
0
2
2
39
83
5
2
0
88
1yes
74
158
2
58
36
1
1
97
-8
6
6
40
5
45
0
0
0
0
92
1
3
-8
57
0no
62
116
2
46
18
0
0
95
13
6
6
22
2
23
0
1
1
62
73
4
2
2
70
1yes
70
211
25
107
14
0
0
86
3
4
6
14
0
29
0
0
0
13
58
3
2
0
56
1yes
61
54
3
20
5
0
0
100
-7
7
8
5
2
20
0
3
3
93
94
4
1
3
100
1yes
66
107
7
49
10
0
0
90
50
6
6
10
2
50
0
0
0
97
44
3
3
3
100
1yes
54
209
55
97
19
8
6
56
23
6
2
27
0
7
0
0
0
14
-8
4
1
0
33
1yes
68
74
3
32
14
1
1
93
30
6
3
15
4
40
0
0
0
58
32
2
5
1
64
1yes
67
159
6
96
8
1
1
89
-8
6
6
9
2
22
0
10
10
77
-8
5
-8
0
71
0no
78
188
25
69
17
0
0
83
22
6
6
18
0
44
0
0
0
6
43
1
4
0
71
0no
76
119
7
62
15
0
0
100
-7
7
8
15
1
20
0
0
0
57
88
3
2
2
56
0no
69
362
5
125
16
0
0
82
25
6
6
17
1
47
0
2
2
63
-8
4
1
3
71
1yes
72
406
2
88
8
0
0
89
78
6
6
9
1
11
0
0
0
40
38
6
1
2
78
1yes
56
256
5
88
38
0
0
79
4
4
6
39
2
23
0
2
2
25
67
11
5
3
59
1yes
81
246
4
62
7
0
0
100
-7
7
8
9
2
78
0
2
2
9
72
1
3
-8
100
1yes
81
223
6
83
63
0
0
100
-7
7
8
63
3
16
0
1
0
15
89
2
3
1
40
0no
80
307
3
154
16
0
0
94
4
4
6
16
2
25
0
2
2
2
-8
3
-8
0
38
0no
62
150
3
66
40
3
0
91
2
3
2
45
3
20
0
3
3
49
62
11
3
2
50
1yes
67
117
7
48
16
1
1
90
56
6
2
21
2
48
0
1
1
53
78
4
4
3
89
1yes
72
84
7
45
21
0
0
95
25
6
6
22
3
50
0
0
0
6
72
6
3
0
69
1yes
74
186
5
76
16
0
0
100
-7
7
8
16
1
44
0
2
2
83
39
2
3
1
71
0no
80
210
1
105
14
0
0
100
-7
7
8
15
1
7
0
0
0
35
-8
4
1
1
50
1yes
62
59
12
33
10
0
0
100
-7
7
8
10
0
50
0
0
0
100
99
5
3
3
100
1yes
71
206
4
71
26
3
3
92
35
6
6
26
3
42
0
3
3
43
35
5
4
2
64
1yes
60
139
4
71
23
1
1
72
19
6
4
29
2
38
0
0
0
89
69
11
2
2
81
1yes
64
280
2
69
15
2
2
78
12
6
2
19
3
78
0
1
1
8
69
1
2
0
60
0no
62
91
2
41
8
2
2
100
-7
0
8
9
3
44
0
0
0
91
73
3
2
2
100
1yes
71
72
1
25
19
0
0
100
-7
7
8
20
4
65
0
2
2
21
88
1
6
1
64
1yes
79
181
1
91
12
0
0
100
-7
7
8
14
1
21
0
4
3
66
39
3
2
1
71
1yes
70
116
2
65
26
0
0
96
37
6
6
27
4
52
0
2
2
44
70
7
4
0
92
1yes
69
105
3
40
11
0
0
100
-7
7
8
11
3
55
0
0
0
66
74
3
4
1
100
1yes
71
183
15
73
11
1
0
85
50
6
2
13
0
46
0
1
1
49
50
2
2
0
67
1yes
66
134
4
44
13
2
2
93
54
6
3
15
1
53
0
1
1
92
60
4
6
1
91
1yes
80
181
19
100
17
0
0
100
-7
7
8
17
0
6
0
2
1
16
-8
2
1
1
80
0no
63
408
11
95
26
1
0
86
56
6
5
29
1
66
0
0
0
99
46
3
4
2
78
0no
64
165
1
52
9
2
2
82
28
6
4
12
1
18
0
2
2
9
100
2
1
0
50
0no
66
88
6
38
18
0
0
95
39
6
6
19
6
47
0
2
2
87
87
3
5
1
80
1yes
70
281
14
101
36
0
0
100
-7
7
8
36
0
14
0
0
0
68
28
10
2
5
57
1yes
62
398
3
133
33
0
0
88
37
6
6
34
2
44
0
3
3
56
89
8
3
4
65
1yes
87
156
6
104
13
0
0
100
-7
7
8
13
1
15
0
0
0
26
-8
2
1
0
30
0no
71
158
1
75
31
2
1
88
14
6
3
34
1
32
0
1
1
71
5
3
2
2
29
1yes
73
152
11
75
6
2
0
63
32
6
5
8
1
13
0
0
0
0
-8
0
1
-8
33
0no
62
72
3
22
4
1
1
80
10
0
2
5
1
60
0
1
1
-8
-8
-8
2
-8
100
1yes
86
201
9
83
16
0
0
100
-7
7
8
16
1
19
0
0
0
5
60
2
1
0
60
0no
73
164
6
76
43
0
0
100
-7
7
8
47
1
32
0
1
1
3
-8
3
1
0
31
0no
65
228
7
89
12
2
2
93
80
6
3
15
2
57
0
1
1
92
-8
1
1
1
100
0no
78
141
6
63
22
0
0
100
-7
7
8
22
1
45
0
0
0
46
38
2
3
1
63
0no
74
208
4
76
14
0
0
94
74
6
6
16
1
63
0
3
3
63
91
5
1
0
86
0no
79
264
11
110
17
0
0
100
-7
7
8
17
1
12
0
1
1
27
-8
7
1
1
62
1yes
66
160
3
71
17
0
0
83
15
6
6
18
1
44
0
1
1
32
70
3
3
1
86
1yes
64
154
1
79
17
0
0
53
17
6
6
19
1
53
0
1
1
99
82
1
2
1
100
1yes
72
232
5
77
21
0
0
91
5
4
6
22
3
32
0
0
0
20
85
2
2
0
36
1yes
82
176
6
71
31
0
0
100
-7
7
8
31
2
23
0
0
0
4
-8
5
1
0
44
0no
74
139
1
61
27
0
0
93
29
6
6
28
4
25
0
1
1
19
21
2
3
1
42
1yes
78
244
7
69
16
1
1
88
15
6
4
17
1
41
0
0
0
1
79
1
3
0
40
1yes
75
267
19
102
6
1
1
86
36
7
2
7
0
57
0
1
0
77
-8
1
1
1
100
1yes
62
137
6
53
24
2
0
85
14
6
5
27
7
59
0
2
0
27
88
5
6
0
79
1yes
57
331
11
117
16
0
0
82
2
4
6
17
1
53
0
0
0
60
41
6
2
3
100
1yes
77
176
23
87
13
0
0
100
-7
7
8
13
0
31
0
1
1
51
-8
3
1
2
57
0no
59
227
4
67
26
3
2
89
18
6
4
29
4
18
0
2
2
44
47
11
2
2
65
0no
70
272
1
77
28
0
0
100
-7
7
8
29
5
28
0
3
3
63
90
1
2
1
31
0no
58
285
2
75
30
2
2
91
14
6
2
34
2
12
0
0
0
80
57
12
4
5
59
1yes
68
203
13
84
23
0
0
96
1
4
6
24
0
42
0
0
0
81
68
4
3
3
89
1yes
63
27
3
14
8
0
0
100
-7
7
8
8
3
50
0
1
1
79
95
3
2
1
83
1yes
67
25
22
24
3
4
4
100
-7
6
8
3
0
67
0
2
2
18
91
1
2
-8
100
1yes
81
154
3
65
21
0
0
100
-7
7
8
21
2
29
0
0
0
20
81
4
3
0
50
0no