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
72
171
3
40
11
0
0
100
-7
7
8
11
4
27
0
2
2
62
97
5
2
2
88
1yes
86
256
14
84
18
0
0
100
-7
7
8
18
0
44
0
1
1
21
76
2
3
0
45
1yes
84
206
4
80
19
0
0
100
-7
7
8
19
3
16
0
1
1
1
-8
2
1
0
43
0no
75
124
11
60
11
1
1
85
24
6
3
13
1
15
0
6
6
0
-8
1
1
0
38
0no
56
81
2
33
22
0
0
79
0
4
6
24
7
46
0
0
0
76
-8
3
3
1
100
1yes
87
283
8
108
21
0
0
100
-7
7
8
22
2
9
0
0
0
18
-8
4
-8
0
33
0no
55
117
12
49
16
0
0
95
1
4
6
20
0
15
0
2
2
42
-8
6
1
3
58
1yes
83
158
27
93
15
0
0
100
-7
7
8
15
0
33
0
0
0
1
-8
1
1
0
50
0no
65
54
13
34
9
0
0
100
-7
7
8
9
0
33
0
0
0
90
58
4
2
3
86
1yes
86
298
13
138
18
0
0
100
-7
7
8
18
0
22
0
0
0
8
54
7
2
0
64
0no
81
178
2
52
13
0
0
100
-7
7
8
15
1
33
0
3
3
7
75
3
1
0
57
1yes
61
457
7
97
27
1
0
89
6
4
5
28
1
21
0
2
2
55
77
12
2
5
78
1yes
65
71
14
47
23
0
0
96
-8
6
6
23
0
30
0
1
1
61
62
6
3
2
75
1yes
80
124
10
54
17
1
0
94
69
6
5
18
1
44
0
2
1
28
62
2
3
0
63
0no
76
110
12
62
32
0
0
100
-7
7
8
32
0
53
0
0
0
59
87
5
5
2
83
0no
77
226
4
77
18
0
0
89
28
6
6
18
2
33
0
0
0
30
90
2
2
0
80
0no
62
164
1
51
31
0
0
91
3
4
6
32
2
28
0
1
1
17
62
8
3
2
52
1yes
77
120
5
53
25
0
0
100
-7
7
8
26
4
23
0
1
1
19
79
6
2
0
67
1yes
63
178
3
37
15
0
0
100
-7
7
8
15
3
7
0
2
2
84
-8
7
1
3
90
1yes
81
160
6
67
33
0
0
100
-7
7
8
33
2
21
0
0
0
15
91
2
3
0
43
1yes
64
128
16
75
18
1
1
95
39
6
6
20
0
16
0
0
0
46
-8
7
-8
1
88
1yes
75
111
22
79
6
0
0
83
25
6
6
7
0
14
0
5
5
59
-8
2
-8
0
100
1yes
75
156
4
64
23
0
0
100
-7
7
8
23
4
74
0
1
1
51
87
3
4
2
78
0no
81
398
6
87
31
1
1
88
9
4
4
32
1
31
0
0
0
10
58
3
2
0
45
1yes
66
292
1
61
28
0
0
100
-7
7
8
29
6
21
0
0
0
82
67
16
3
4
95
1yes
80
151
13
80
10
0
0
100
-7
7
8
10
0
40
0
0
0
54
87
3
2
0
100
1yes
76
150
17
75
27
0
0
96
30
6
6
27
0
22
0
2
2
14
-8
4
1
1
42
0no
63
183
13
74
13
2
2
75
7
0
2
17
0
81
0
0
0
0
-8
0
1
-8
50
1yes
72
304
17
112
31
1
1
94
8
4
3
32
0
31
0
1
1
35
56
5
2
1
62
1yes
61
135
2
52
15
0
0
94
51
6
6
17
2
29
0
1
1
11
-8
2
1
1
43
1yes
67
136
3
72
17
1
1
100
-7
6
8
17
4
29
0
4
4
78
97
2
2
1
50
1yes
66
95
0
54
14
0
0
94
19
6
6
16
3
19
0
3
3
53
-8
8
1
2
69
1yes
61
60
13
41
19
0
0
100
-7
7
8
21
0
38
0
0
0
89
-8
5
1
4
100
1yes
71
212
6
63
67
0
0
100
-7
7
8
67
1
15
0
14
14
32
50
5
3
2
56
1yes
62
140
10
75
6
4
2
50
6
1
2
10
1
50
0
2
2
52
89
2
2
1
100
1yes
70
300
2
68
33
0
0
94
13
6
6
34
1
26
0
2
1
4
69
5
5
4
69
0no
56
172
11
57
21
0
0
90
5
4
6
21
1
29
0
0
0
70
73
6
2
1
80
1yes
61
94
4
38
16
0
0
94
20
6
6
16
3
50
0
0
0
94
88
5
1
3
86
1yes
74
213
4
62
28
0
0
100
-7
7
8
28
1
18
0
0
0
37
-8
5
1
0
60
0no
66
194
21
73
23
1
1
81
6
0
2
26
0
35
0
0
0
74
42
5
2
2
64
1yes
70
130
8
67
11
1
0
92
3
3
2
12
1
58
0
1
1
45
78
1
2
-8
75
1yes
61
170
7
83
26
7
0
80
58
6
5
35
1
37
0
0
0
90
70
5
9
5
94
1yes
69
189
7
84
34
2
1
94
0
0
2
36
1
8
0
1
1
11
-8
3
2
2
29
0no
59
78
4
30
23
0
0
100
-7
7
8
25
6
25
0
3
3
44
86
8
5
5
76
1yes
79
187
4
81
21
0
0
100
-7
7
8
22
1
18
0
1
1
46
97
4
2
1
67
0no
84
394
3
134
26
0
0
96
16
6
6
27
3
56
0
1
1
7
80
5
3
0
73
1yes
56
419
4
61
31
1
0
76
1
4
5
33
6
30
0
0
0
44
79
9
3
1
80
1yes
56
147
1
64
30
0
0
100
-7
7
8
31
1
23
0
3
3
95
135
21
6
12
100
1yes
76
395
1
151
16
0
0
82
12
6
6
17
1
18
0
1
1
8
-8
4
1
0
55
0no
74
61
2
22
7
0
0
100
-7
7
8
8
4
50
0
1
1
38
96
2
1
0
100
1yes
91
538
47
212
12
0
0
100
-7
7
8
12
0
17
0
0
0
4
-8
1
-8
0
14
0no
63
20
3
10
15
0
0
100
-7
7
8
15
11
13
0
7
6
18
91
4
2
1
40
1yes
60
69
2
35
25
0
0
96
1
4
6
27
4
26
0
4
4
58
78
2
2
2
67
1yes
68
13
13
13
1
0
0
100
-7
7
8
1
0
100
0
1
1
-8
-8
-8
1
-8
100
1yes
55
201
4
62
33
0
0
88
6
4
6
33
5
30
-7
2
2
71
70
6
5
4
61
1yes
83
416
16
175
25
2
0
93
44
6
5
27
0
11
-7
0
0
22
-8
6
1
0
64
1yes
79
121
44
72
11
0
0
91
30
6
6
11
0
55
-7
0
0
11
-8
1
1
0
67
0no
65
97
2
50
26
2
1
86
4
3
5
28
2
61
-7
1
1
2
47
1
6
0
78
1yes
63
127
4
57
16
2
2
88
5
4
6
17
1
35
-7
1
1
91
-8
2
1
1
100
1yes
70
125
2
60
45
0
0
100
-7
7
8
48
2
17
-7
1
1
36
78
7
2
2
47
1yes
74
369
6
80
19
1
1
95
17
6
2
19
2
5
-7
0
0
21
-8
6
-8
0
67
1yes
56
420
10
151
17
2
0
65
1
4
5
20
1
40
-7
0
0
61
73
4
4
3
57
1yes
66
54
6
28
10
1
1
100
-7
7
8
10
1
50
-7
2
2
74
57
3
2
1
83
1yes
72
140
13
44
7
0
0
100
-7
7
8
7
0
71
-7
0
0
82
69
2
2
1
100
1yes
56
92
3
43
18
1
0
79
1
4
5
20
2
79
-7
1
1
51
85
2
5
-8
100
1yes
86
147
7
63
15
0
0
100
-7
7
8
15
1
47
-7
1
0
6
91
1
2
0
60
0no
74
173
3
44
14
1
1
100
-7
7
8
14
2
14
-7
0
0
45
89
4
2
1
75
0no
60
252
17
78
17
1
1
100
-7
7
8
20
0
50
-7
1
1
85
67
3
3
3
86
0no
70
270
9
76
14
0
0
100
-7
7
8
14
2
7
-7
0
0
59
90
6
1
4
54
1yes
72
120
3
51
16
1
0
94
80
6
5
19
2
53
-7
3
3
44
81
5
9
0
100
1yes
66
176
7
83
17
0
0
94
8
4
6
17
1
35
-7
0
0
64
-8
2
1
2
57
1yes
76
132
6
49
15
0
0
100
-7
7
8
15
2
40
-7
1
1
13
-8
2
1
0
50
0no
57
92
11
31
12
0
0
92
5
4
6
12
2
17
-7
1
1
87
-8
7
1
2
80
1yes
77
210
6
85
36
0
0
100
-7
7
8
39
1
19
-7
1
1
30
53
3
2
1
31
0no
82
151
3
65
14
0
0
100
-7
7
8
14
1
7
-7
0
0
27
-8
2
1
1
43
0no
56
179
12
74
32
3
1
74
2
3
4
38
0
40
-7
0
0
20
23
1
2
1
23
0no
65
209
10
103
12
11
11
81
48
5
2
23
2
31
-7
2
2
40
-8
3
-8
0
50
1yes
61
120
8
69
26
0
0
96
39
6
6
28
2
15
-7
4
4
90
71
5
2
3
100
1yes
61
97
18
57
5
3
2
44
16
6
2
9
0
33
-7
0
0
73
-8
2
1
1
75
1yes
88
141
10
79
14
0
0
100
-7
7
8
15
1
14
-7
0
0
3
-8
3
1
0
57
0no
57
156
4
71
13
3
2
75
6
0
2
16
1
56
-7
1
1
95
49
2
2
1
100
1yes
80
102
3
61
7
0
0
100
-7
7
8
7
1
71
-7
3
3
-8
48
-8
3
-8
100
1yes
65
186
3
66
23
0
0
96
32
6
6
23
2
48
-7
7
7
55
27
7
4
1
92
1yes
72
117
1
48
13
1
0
87
72
6
5
15
1
47
-7
3
3
42
100
3
2
0
100
1yes
83
227
11
75
23
0
0
96
50
6
6
24
1
48
-7
0
0
0
-8
0
1
0
33
0no
61
147
1
61
60
1
1
98
13
6
2
62
5
52
-7
5
5
24
84
9
5
0
61
1yes
67
85
2
40
23
1
1
100
-7
6
8
24
3
83
-7
2
1
82
79
1
9
1
92
1yes
71
325
14
125
14
1
0
81
2
3
5
16
0
69
-7
0
0
3
54
2
4
0
86
1yes
77
130
5
66
22
2
0
92
31
6
5
32
3
29
-7
3
3
8
100
1
3
0
71
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
65
80
2
45
31
2
1
81
18
6
4
38
8
27
-7
3
3
8
98
1
3
-8
29
1yes
58
107
16
45
13
1
1
79
3
4
2
13
0
21
-7
1
1
42
55
4
2
0
55
1yes
81
247
2
71
22
0
0
100
-7
7
8
25
1
35
-7
2
2
9
91
1
2
0
43
0no
61
203
10
57
3
0
0
80
12
6
6
5
1
0
-7
0
0
104
-8
3
-8
1
100
1yes
60
78
8
29
14
1
1
67
3
0
2
15
3
53
-7
1
1
1
76
2
3
-8
63
1yes
88
354
17
117
21
0
0
100
-7
7
8
21
0
62
-7
0
0
15
-8
2
3
0
71
0no
63
169
6
72
46
1
1
93
73
0
6
46
6
30
-7
0
0
24
72
5
5
1
50
1yes
75
177
4
99
38
0
0
97
2
4
6
38
2
32
-7
0
0
13
100
6
2
1
50
1yes
76
247
7
97
37
0
0
100
-7
7
8
41
2
37
-7
3
3
59
81
6
2
1
75
0no
65
114
11
63
14
4
2
72
16
6
2
19
2
28
-7
3
3
23
80
3
1
1
57
0no