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
82
299
1
112
12
0
0
100
-7
7
8
13
3
8
0
1
1
34
-8
4
1
1
45
1yes
58
142
2
60
11
1
1
92
3
0
2
13
1
46
0
0
0
91
87
7
4
3
100
1yes
71
140
6
74
17
0
0
94
70
6
6
17
3
29
0
0
0
73
94
5
3
2
100
0no
64
257
7
62
16
0
0
94
44
6
6
16
4
38
0
3
3
90
95
4
2
3
100
1yes
75
193
3
52
23
1
0
96
43
6
2
24
2
29
0
0
0
27
-8
9
1
1
67
1yes
76
246
24
108
14
0
0
87
1
4
6
15
0
13
0
0
0
2
-8
1
1
0
33
1yes
60
214
8
86
29
1
1
94
1
4
4
31
2
26
0
1
1
71
23
3
4
1
62
1yes
73
18
2
10
1
0
0
100
-7
7
8
2
1
50
0
6
6
12
-8
1
1
0
100
1yes
82
159
14
72
28
0
0
100
-7
7
8
28
0
14
0
0
0
13
-8
5
1
0
40
0no
66
57
4
31
7
2
2
100
-7
6
8
7
1
57
0
0
0
-8
86
-8
3
-8
100
1yes
63
308
24
105
16
1
0
70
3
3
5
20
0
60
0
0
0
42
42
4
4
1
73
0no
59
244
4
76
27
1
0
80
6
4
5
30
2
40
0
2
2
88
54
7
4
3
93
1yes
80
365
5
107
19
0
0
84
37
6
6
19
1
16
0
0
0
12
100
3
2
0
50
1yes
72
194
17
98
18
1
1
94
54
6
6
19
0
28
0
0
0
43
-8
3
1
-8
57
1yes
70
153
3
59
26
0
0
93
2
4
6
28
5
7
0
0
0
8
-8
3
1
0
29
1yes
73
99
8
60
22
0
0
95
-8
6
6
22
2
45
0
0
0
58
79
3
3
3
67
1yes
81
118
33
84
9
0
0
89
54
6
6
9
0
56
0
1
0
13
-8
1
-8
0
100
1yes
84
246
1
69
20
0
0
100
-7
7
8
21
1
33
0
2
2
8
13
4
2
0
60
1yes
56
365
4
129
55
1
0
80
3
4
5
59
4
58
0
1
1
66
35
11
5
6
77
1yes
82
395
21
153
35
0
0
100
-7
7
8
36
0
25
0
0
0
18
-8
4
1
0
60
0no
56
133
2
64
15
0
0
88
3
4
6
17
2
12
0
2
2
84
-8
10
1
4
92
1yes
56
202
17
104
17
2
1
68
2
1
3
19
0
11
0
3
3
59
-8
6
1
3
58
1yes
71
268
6
77
14
1
1
100
-7
0
8
15
2
50
0
0
0
3
-8
1
1
0
50
0no
85
246
56
166
6
0
0
100
-7
7
8
6
0
17
0
2
2
0
-8
1
-8
-8
33
0no
63
161
5
45
37
0
0
100
-7
7
8
39
6
18
0
1
1
41
84
20
2
2
96
1yes
54
174
2
59
23
1
0
88
68
6
5
26
2
8
0
4
4
85
-8
17
-8
6
81
0no
62
240
5
104
24
0
0
92
3
4
6
24
2
33
0
0
0
61
68
6
2
3
69
0no
69
142
2
42
15
2
2
83
35
6
2
18
3
39
0
0
0
19
43
4
3
0
64
0no
67
133
6
64
13
1
0
75
12
6
5
16
1
25
0
0
0
46
94
3
3
1
75
1yes
70
134
6
67
19
0
0
95
57
6
6
20
3
45
0
0
0
52
78
2
3
2
63
1yes
59
164
91
117
2
1
0
20
2
4
5
5
0
60
0
1
1
98
-8
1
1
1
100
1yes
58
126
8
58
3
2
2
75
70
6
2
5
2
50
0
1
1
-8
50
-8
2
-8
100
1yes
68
129
8
48
21
0
0
90
-8
6
6
21
2
24
0
0
0
57
82
4
2
2
86
1yes
73
264
3
71
29
0
0
93
25
6
6
29
5
21
0
0
0
14
72
9
3
0
62
0no
59
76
5
38
23
0
0
88
10
4
6
24
3
38
0
0
0
69
95
4
6
2
83
1yes
66
202
6
91
36
2
1
90
8
4
5
42
2
69
0
1
1
81
75
4
6
1
100
1yes
71
387
9
133
52
1
0
93
22
6
5
55
1
49
0
0
0
22
51
8
6
1
67
0no
81
262
2
98
22
0
0
100
-7
7
8
23
1
17
0
1
1
8
60
5
2
1
50
0no
68
144
4
58
24
0
0
100
-7
7
8
24
3
38
0
0
0
81
82
8
4
2
100
1yes
91
378
14
127
13
0
0
100
-7
7
8
13
0
15
0
0
0
10
-8
2
-8
0
25
0no
60
375
77
219
6
1
1
86
1
0
2
7
0
57
0
1
0
31
-8
1
-8
-8
33
0no
75
203
7
84
25
0
0
100
-7
7
8
26
1
31
0
2
2
22
36
4
3
1
54
1yes
75
97
0
43
28
0
0
100
-7
6
8
30
4
67
0
5
5
48
79
3
5
1
89
0no
80
92
7
52
16
0
0
94
27
6
6
16
2
44
0
0
0
4
72
4
3
0
64
1yes
62
106
8
46
21
0
0
95
9
4
6
21
3
33
0
6
6
62
81
3
4
1
78
1yes
86
234
4
63
13
0
0
100
-7
7
8
13
2
38
0
2
0
0
67
1
2
0
38
1yes
85
193
8
90
19
0
0
100
-7
7
8
19
3
16
0
2
2
18
-8
2
1
0
60
0no
71
314
9
116
63
1
1
84
4
4
3
64
2
9
0
2
2
5
91
7
2
0
37
0no
80
202
44
147
5
0
0
100
-7
7
8
5
0
0
0
1
0
77
-8
3
-8
1
100
1yes
54
94
1
44
16
0
0
88
1
4
6
17
4
29
0
1
1
58
94
4
2
3
75
1yes
65
287
2
82
22
0
0
100
-7
7
8
23
3
35
0
1
1
98
96
10
3
4
100
1yes
62
42
4
17
12
0
0
100
-7
7
8
16
4
6
0
2
2
57
-8
8
1
3
75
1yes
73
372
3
86
23
0
0
83
16
6
6
23
2
35
0
5
5
9
75
2
6
0
53
1yes
65
269
10
100
14
0
0
93
6
4
6
14
1
36
0
1
1
86
72
4
3
1
100
1yes
71
261
20
96
17
0
0
100
-7
7
8
17
0
18
0
2
2
78
88
6
2
5
73
1yes
73
342
4
133
44
0
0
95
57
6
6
44
3
20
0
3
3
24
-8
6
2
2
43
1yes
60
314
12
90
27
3
1
76
2
2
4
34
0
44
0
0
0
2
87
3
2
0
50
0no
81
150
4
58
29
0
0
100
-7
7
8
29
4
34
0
1
1
3
96
2
2
0
36
0no
67
68
3
21
8
0
0
100
-7
7
8
8
3
13
0
1
1
57
-8
3
1
0
67
1yes
82
125
16
63
9
0
0
100
-7
7
8
9
0
33
0
1
0
28
-8
1
1
0
40
0no
71
122
4
75
17
4
4
84
73
6
3
25
3
52
0
1
1
7
76
2
7
0
71
0no
77
140
25
68
15
0
0
94
42
6
6
16
0
31
0
0
0
4
75
2
2
0
55
0no
84
184
4
58
18
0
0
100
-7
7
8
18
4
33
0
0
0
6
-8
2
1
1
50
0no
61
179
5
63
33
0
0
97
10
4
6
35
2
31
0
2
2
59
-8
5
1
2
55
1yes
65
161
2
58
14
1
0
88
30
6
2
17
5
41
0
3
3
57
26
4
3
1
70
1yes
64
161
6
90
15
1
1
76
57
6
2
17
3
24
0
1
1
66
-8
3
-8
1
57
0no
73
282
2
92
14
1
0
94
32
6
5
17
3
47
0
5
5
46
46
2
4
0
86
1yes
65
259
4
121
4
2
0
29
39
6
5
7
2
29
0
1
1
100
98
1
1
1
100
0no
72
331
5
80
24
0
0
88
55
6
6
25
4
20
0
0
0
76
92
3
2
-8
89
1yes
66
18
3
11
2
0
0
100
-7
7
8
2
1
100
0
1
1
-8
99
-8
2
-8
100
1yes
68
45
4
20
12
0
0
100
-7
7
8
14
3
50
0
0
0
40
90
5
3
1
100
1yes
78
78
5
36
21
0
0
95
33
6
6
21
6
62
0
1
1
8
100
5
1
0
86
0no
70
21
7
14
4
0
0
100
-7
7
8
4
2
75
0
6
6
-8
89
-8
2
-8
100
1yes
63
374
23
230
10
1
1
73
4
4
4
11
0
9
0
0
0
72
-8
5
-8
1
50
0no
65
121
1
41
20
2
2
88
9
0
2
26
3
27
0
5
5
15
52
3
4
0
47
1yes
76
52
12
31
6
0
0
100
-7
7
8
7
0
57
0
0
0
5
90
2
2
-8
80
0no
82
220
3
59
27
0
0
100
-7
7
8
27
4
26
0
1
0
7
89
2
3
0
36
0no
88
196
5
85
32
0
0
100
-7
7
8
32
1
16
0
1
1
8
-8
1
-8
0
10
0no
72
165
3
69
19
0
0
84
9
4
6
25
3
52
0
3
3
0
95
0
3
0
50
1yes
66
74
15
49
7
2
0
60
9
3
5
10
0
40
0
0
0
0
20
1
2
-8
60
1yes
60
342
2
77
29
4
0
72
25
5
5
36
4
58
0
1
1
47
88
3
4
1
88
1yes
63
221
9
67
26
0
0
96
15
6
6
26
1
27
0
0
0
30
-8
5
1
3
50
1yes
60
439
12
185
17
0
0
74
11
4
6
19
0
21
0
2
2
80
77
6
1
4
80
1yes
54
103
4
46
17
2
2
89
10
0
4
18
4
56
0
1
1
41
87
3
4
0
58
1yes
79
233
25
109
14
0
0
100
-7
7
8
14
0
21
0
0
0
48
36
3
2
2
45
0no
69
280
2
66
19
0
0
96
4
4
6
23
4
52
0
3
3
32
76
6
4
0
77
1yes
64
88
5
44
16
1
1
83
11
0
2
18
2
44
0
0
0
43
63
3
2
0
56
1yes
65
298
16
102
28
0
0
79
8
4
6
29
0
45
0
1
1
41
72
4
3
2
73
1yes
63
63
2
27
3
0
0
75
21
6
6
4
1
50
0
1
1
21
-8
2
1
1
100
1yes
63
59
16
34
3
1
1
100
-7
7
8
4
0
0
0
0
0
68
-8
3
-8
-8
100
1yes
62
165
11
80
24
1
1
92
1
4
6
26
1
52
0
0
0
1
-8
1
1
0
50
1yes
71
426
9
139
12
3
0
75
4
4
5
16
1
19
0
0
0
11
15
2
1
1
38
1yes
68
196
2
48
54
1
1
96
2
0
2
57
5
60
0
2
2
5
75
2
3
0
25
1yes
65
56
3
21
7
0
0
86
38
6
6
7
3
43
0
3
3
23
98
3
1
1
80
0no
71
522
14
159
14
1
0
88
10
4
5
16
0
38
0
0
0
44
77
5
2
1
88
0no
61
112
3
32
29
0
0
100
-7
5
8
31
7
77
0
5
5
88
82
7
4
3
100
1yes
76
160
4
62
20
0
0
100
-7
7
8
20
4
40
0
0
0
17
94
5
6
1
85
0no
75
248
1
103
14
0
0
88
3
4
6
16
1
13
0
1
1
2
-8
3
1
1
57
1yes
69
114
16
54
21
0
0
100
-7
7
8
21
0
48
0
4
4
57
80
8
3
2
92
1yes
73
70
2
31
20
0
0
100
-7
7
8
21
4
10
0
5
5
45
97
4
2
0
55
1yes