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
81
185
13
70
8
0
0
100
-7
7
8
9
0
50
0
1
0
40
61
2
2
1
67
1yes
83
160
12
83
24
1
0
96
24
6
5
26
0
19
0
0
0
1
19
4
2
0
46
1yes
74
149
3
36
14
0
0
100
-7
7
8
14
4
50
0
1
1
32
25
3
5
0
80
1yes
55
116
3
53
12
3
1
75
64
6
2
16
2
38
0
2
2
97
73
6
4
4
100
1yes
71
77
2
38
12
0
0
92
24
6
6
13
3
15
0
1
1
63
80
3
1
1
80
1yes
72
112
2
42
17
1
1
94
53
6
6
18
2
61
0
0
0
39
99
1
4
0
83
1yes
67
43
1
21
9
0
0
100
-7
7
8
11
3
9
0
2
2
52
-8
6
-8
1
86
1yes
57
321
4
105
37
0
0
84
0
4
6
38
2
50
0
0
0
76
79
13
4
4
90
1yes
59
142
2
45
12
0
0
79
5
4
6
14
2
21
0
1
1
30
63
4
2
0
60
1yes
73
167
1
81
26
0
0
100
-7
7
8
29
5
38
0
4
4
47
62
5
3
0
73
1yes
56
266
2
94
29
0
0
100
-7
7
8
30
1
17
0
2
2
76
6
14
2
7
67
1yes
69
145
4
67
20
1
1
100
-7
6
8
20
1
25
0
4
4
44
54
4
2
1
86
0no
65
184
7
77
24
2
2
88
4
4
2
27
1
46
0
2
2
19
80
1
3
0
44
0no
66
267
1
53
20
0
0
92
76
6
6
24
3
21
0
0
0
50
52
5
3
4
57
0no
69
380
2
87
12
0
0
92
37
6
6
13
7
23
0
0
0
88
86
6
2
2
80
1yes
73
60
6
37
13
0
0
100
-7
7
8
13
1
31
0
0
0
23
67
3
2
1
63
1yes
55
113
9
52
23
1
0
79
11
4
5
24
2
25
0
7
6
48
-8
3
2
2
45
1yes
67
141
6
52
11
0
0
100
-7
7
8
12
3
67
0
1
1
91
96
3
2
1
100
1yes
65
208
3
84
20
0
0
85
18
6
6
20
3
20
0
0
0
55
92
8
2
2
67
1yes
79
177
5
64
21
0
0
96
10
4
6
23
1
78
0
0
0
0
-8
0
1
-8
50
0no
82
108
7
60
17
0
0
100
-7
7
8
18
1
28
0
0
0
36
40
2
3
0
56
1yes
68
89
8
52
20
0
0
86
55
6
6
21
2
14
0
1
1
29
79
7
2
0
67
1yes
54
68
7
23
5
0
0
83
3
4
6
6
3
33
0
0
0
66
81
3
2
1
83
1yes
57
164
11
78
15
1
0
71
1
4
5
17
1
41
0
0
0
27
70
2
3
0
45
1yes
80
410
19
136
23
0
0
100
-7
7
8
23
0
13
0
1
1
23
75
5
2
0
44
0no
58
210
14
87
23
0
0
70
1
4
6
23
0
35
0
1
1
53
5
6
3
2
77
1yes
61
94
3
50
35
1
0
92
2
4
5
37
2
35
0
0
0
72
100
3
2
1
100
0no
58
58
3
22
16
0
0
100
-7
7
8
16
5
19
0
4
4
66
95
10
2
2
86
1yes
74
254
3
101
14
0
0
87
40
6
6
15
1
47
0
1
1
29
67
3
4
1
70
1yes
82
270
30
89
12
0
0
100
-7
7
8
12
0
42
0
0
0
44
6
3
2
0
71
0no
61
157
2
53
24
0
0
84
1
4
6
25
4
36
0
0
0
41
98
1
4
1
55
1yes
79
148
3
59
35
0
0
100
-7
7
8
35
1
54
0
0
0
0
-8
1
1
0
22
1yes
72
116
9
49
10
0
0
100
-7
7
8
10
1
80
0
1
0
94
82
2
4
-8
100
1yes
72
149
14
52
22
1
1
95
19
6
6
23
0
68
0
0
0
28
91
5
4
0
100
1yes
65
163
1
71
22
0
0
100
-7
7
8
24
1
13
0
0
0
86
14
12
2
8
88
1yes
73
216
1
72
41
0
0
100
-7
7
8
42
4
24
0
10
10
25
88
3
4
0
50
1yes
56
182
7
105
16
4
4
65
4
0
2
20
3
25
0
1
1
43
-8
3
-8
1
38
0no
70
127
5
53
26
0
0
100
-7
7
8
26
2
50
0
0
0
59
65
4
4
3
67
1yes
72
379
18
131
10
1
0
92
66
6
5
13
0
23
0
2
2
67
-8
2
1
1
43
1yes
75
116
2
61
41
0
0
100
-7
7
8
42
1
17
0
2
1
34
-8
2
-8
1
22
0no
63
165
3
53
27
1
1
84
2
0
2
32
3
19
0
1
1
20
80
2
2
1
33
0no
77
146
7
76
30
0
0
100
-7
7
8
30
2
33
0
0
0
41
-8
5
1
2
75
0no
44
219
3
51
40
1
1
87
1
4
4
45
4
58
0
2
2
75
85
5
5
2
63
1yes
75
365
13
130
19
0
0
89
13
6
6
19
0
21
0
1
1
45
-8
4
1
0
50
0no
77
150
5
55
25
0
0
100
-7
7
8
26
2
19
0
7
5
11
84
2
1
0
30
0no
68
140
1
84
6
3
2
64
15
6
4
11
1
45
0
3
3
13
47
1
3
-8
57
1yes
61
74
14
59
20
2
2
90
16
0
6
23
0
5
0
0
0
19
-8
4
1
1
31
1yes
75
171
25
80
17
0
0
94
-8
6
6
17
0
53
0
0
0
24
-8
2
2
1
56
0no
75
97
29
68
17
0
0
100
-7
7
8
17
0
47
0
1
1
-8
59
-8
3
-8
100
1yes
54
172
4
58
21
0
0
95
4
4
6
21
3
19
0
0
0
76
47
9
2
4
65
1yes
84
314
3
115
13
1
1
93
69
6
3
14
2
14
0
1
1
3
94
1
2
0
33
1yes
78
266
13
95
16
0
0
100
-7
7
8
16
0
56
0
2
2
51
90
4
2
1
100
1yes
60
63
7
31
5
1
1
83
25
6
2
6
1
33
0
2
2
91
83
2
2
1
100
1yes
66
337
7
112
38
0
0
98
8
4
6
40
1
28
0
1
1
46
81
8
4
3
71
1yes
76
75
7
44
23
0
0
92
12
6
6
24
2
13
0
0
0
0
77
2
2
0
25
1yes
77
218
17
116
28
0
0
97
25
6
6
29
0
31
0
0
0
6
86
6
2
1
69
0no
63
27
5
16
8
0
0
100
-7
7
8
8
3
100
0
0
0
-8
89
-8
4
-8
100
1yes
74
16
2
9
2
0
0
100
-7
7
8
3
2
33
0
3
3
8
83
2
1
0
100
1yes
68
84
11
47
20
1
1
100
-7
7
8
21
1
45
0
0
0
30
-8
2
1
1
43
1yes
60
77
9
42
10
3
2
50
17
6
2
14
1
86
0
2
2
0
56
0
2
-8
50
1yes
72
196
9
96
25
1
1
100
-7
7
8
26
1
20
0
5
5
3
-8
2
1
1
31
1yes
77
147
3
72
29
0
0
93
52
6
6
30
3
37
0
2
2
31
74
3
4
0
70
0no
66
175
4
88
8
3
0
50
14
6
5
12
2
33
0
3
3
32
-8
3
1
0
80
1yes
66
256
9
76
32
0
0
97
16
6
6
33
1
30
0
0
0
34
60
6
3
3
45
0no
76
385
6
81
34
0
0
94
72
6
6
36
3
17
0
0
0
17
72
4
1
1
25
1yes
74
284
1
69
27
0
0
100
-7
7
8
30
4
30
0
2
1
24
55
5
4
2
41
1yes
77
179
11
60
20
0
0
90
51
6
6
20
1
25
0
2
2
23
78
1
1
1
18
1yes
76
201
8
71
38
0
0
97
51
6
6
39
5
36
0
0
0
0
47
1
5
0
35
0no
83
165
3
74
26
0
0
100
-7
7
8
28
1
29
0
0
0
9
87
4
3
0
54
0no
78
184
8
74
15
0
0
94
32
6
6
16
2
19
0
1
1
7
-8
3
1
0
57
1yes
60
180
4
56
11
4
3
56
8
0
2
16
1
81
0
2
2
17
-8
1
-8
0
50
1yes
81
170
2
65
23
0
0
92
64
6
6
24
1
33
0
0
0
11
-8
2
2
0
33
0no
74
92
10
57
21
2
2
92
45
6
2
24
1
29
0
0
0
21
64
4
3
0
70
1yes
61
251
4
83
18
0
0
83
5
4
6
18
1
50
0
4
4
76
56
7
3
1
91
1yes
63
93
7
47
17
0
0
88
8
4
6
17
2
41
0
0
0
53
84
7
3
1
83
1yes
73
256
2
90
23
0
0
100
-7
7
8
24
4
17
0
1
0
49
78
11
3
4
70
0no
62
66
5
39
6
0
0
57
3
4
6
7
2
43
0
0
0
0
78
0
2
-8
60
1yes
87
277
6
81
18
0
0
100
-7
7
8
18
2
56
0
0
0
16
88
2
2
0
67
1yes
61
119
7
41
17
3
3
94
13
6
6
19
2
17
0
1
1
34
58
5
3
2
67
1yes
71
250
3
72
12
3
3
73
63
6
3
15
2
47
0
2
2
29
73
2
3
0
83
1yes
89
154
8
78
6
0
0
100
-7
7
8
6
1
17
0
0
0
9
-8
1
1
0
50
0no
67
170
1
83
14
0
0
87
20
6
6
15
2
27
0
0
0
86
89
4
3
2
58
1yes
63
88
8
41
25
0
0
92
20
6
6
26
1
35
0
2
2
25
72
3
3
2
38
1yes
82
190
12
56
11
0
0
100
-7
7
8
11
0
73
0
0
0
8
75
1
3
0
80
1yes
64
56
40
47
2
2
0
50
20
6
5
4
0
50
0
0
0
-8
23
-8
2
-8
100
1yes
90
423
6
109
15
0
0
100
-7
7
8
15
3
0
0
1
1
13
-8
5
-8
0
36
0no
73
253
3
53
25
0
0
100
-7
7
8
26
4
54
0
6
5
25
60
4
6
0
71
1yes
65
233
67
130
3
1
1
75
10
4
3
4
0
50
0
4
2
60
-8
1
1
-8
100
1yes
60
313
2
78
27
4
1
76
9
4
3
33
4
36
0
5
5
42
30
6
2
1
73
1yes
65
245
28
143
56
1
1
95
7
1
3
59
0
15
0
1
1
59
37
26
4
9
83
1yes
86
232
1
75
21
0
0
100
-7
7
8
23
2
17
0
2
2
1
51
2
2
0
29
0no
67
160
11
67
23
0
0
100
-7
7
8
23
1
43
0
0
0
76
88
5
4
3
75
1yes
58
106
4
43
25
0
0
86
24
6
6
28
2
50
0
3
3
67
93
6
2
0
89
1yes
64
173
2
77
7
0
0
100
-7
7
8
8
2
0
0
5
4
100
-8
3
-8
2
100
1yes
65
303
13
88
39
1
0
81
2
4
5
47
0
45
0
3
3
23
2
4
3
1
58
1yes
64
120
11
49
29
0
0
100
-7
7
8
29
2
17
0
0
0
68
85
6
3
4
50
0no
76
355
5
67
22
0
0
100
-7
7
8
22
2
14
0
1
1
42
-8
6
1
1
44
1yes
72
166
0
47
18
0
0
100
-7
7
8
19
3
68
0
7
7
36
60
2
3
1
83
1yes
69
202
3
51
32
0
0
97
11
4
6
32
6
72
0
0
0
36
75
4
5
0
100
1yes
67
150
3
80
22
1
1
88
21
5
4
25
2
24
0
0
0
67
99
4
2
2
78
1yes