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
62
85
13
42
14
1
1
80
5
4
4
15
0
27
-7
0
0
49
-8
3
1
1
67
1yes
78
211
16
86
27
0
0
100
-7
7
8
27
0
22
-7
5
5
11
30
3
2
0
71
1yes
65
203
8
93
16
2
2
94
21
6
6
22
2
69
-7
1
1
98
93
3
9
2
100
1yes
64
52
4
17
12
0
0
100
-7
7
8
14
6
58
-7
0
0
100
67
5
4
1
100
1yes
68
132
2
52
23
3
3
88
64
6
6
24
6
54
-7
1
1
24
39
4
3
0
70
0no
86
498
4
95
16
0
0
100
-7
7
8
16
1
44
-7
0
0
14
28
3
2
0
63
1yes
69
124
5
51
29
0
0
100
-7
7
8
29
4
21
-7
1
1
51
76
7
3
1
77
1yes
73
287
4
102
10
1
0
55
13
6
5
11
3
55
-7
2
2
30
65
2
2
0
67
0no
70
260
5
45
13
0
0
100
-7
7
8
13
3
31
-7
0
0
90
50
4
2
1
86
1yes
73
124
5
41
8
0
0
100
-7
7
8
8
2
50
-7
0
0
84
76
2
3
2
83
1yes
68
209
5
110
43
1
0
88
13
5
5
48
2
54
-7
1
1
51
90
10
3
2
76
1yes
73
213
1
149
15
0
0
89
18
6
6
18
2
28
-7
0
0
58
-8
5
-8
1
63
1yes
77
182
4
70
39
0
0
100
-7
7
8
39
2
28
-7
0
0
13
46
6
3
0
50
0no
63
271
3
107
27
1
1
79
36
6
2
31
2
48
-7
3
3
53
83
2
3
1
50
1yes
64
73
8
32
38
0
0
97
8
4
6
38
3
58
-7
0
0
61
77
11
5
1
89
1yes
70
166
1
70
45
0
0
98
-7
5
7
50
3
46
-7
0
0
69
93
7
4
5
85
0no
47
247
13
88
25
2
2
70
0
0
2
30
0
30
-7
2
2
94
85
6
2
2
80
1yes
59
189
3
107
16
1
0
60
8
4
5
20
1
25
-7
0
0
78
96
5
2
2
88
0no
70
238
5
66
23
0
0
88
11
4
6
24
5
33
-7
0
0
25
-8
3
2
1
50
1yes
68
121
0
72
19
1
1
100
-7
7
8
20
1
30
-7
0
0
43
47
2
2
1
44
1yes
61
183
26
111
3
1
1
60
7
4
2
5
0
20
-7
1
1
94
-8
1
1
-8
100
0no
79
42
7
23
9
0
0
100
-7
7
8
9
1
33
-7
0
0
5
26
1
2
0
50
1yes
76
132
5
54
24
0
0
96
80
6
6
24
3
17
-7
1
1
15
91
4
2
1
75
1yes
61
358
6
140
26
1
0
67
25
6
5
27
1
26
-7
2
2
76
-8
10
1
3
69
1yes
89
490
6
99
18
0
0
100
-7
7
8
18
2
39
-7
0
0
2
52
2
2
0
57
0no
60
21
9
13
3
1
1
100
-7
6
8
3
2
33
-7
0
0
94
-8
2
1
2
100
1yes
70
70
10
39
9
1
0
82
16
6
5
12
1
36
-7
1
0
8
78
4
1
0
71
1yes
55
201
40
114
19
6
2
63
4
3
5
24
0
42
-7
0
0
50
-8
6
2
1
100
1yes
73
71
7
41
18
0
0
100
-7
7
8
18
2
56
-7
1
0
38
86
3
3
1
75
1yes
77
123
2
46
16
0
0
100
-7
7
8
17
5
47
-7
2
2
18
87
3
4
-8
64
1yes
71
197
9
87
12
0
0
77
56
6
6
13
1
54
-7
0
0
92
83
2
3
1
83
0no
83
75
17
41
16
0
0
100
-7
7
8
16
0
38
-7
0
0
4
65
1
3
0
50
1yes
58
149
17
66
16
8
4
61
5
4
2
25
0
29
-7
0
0
19
81
2
2
0
67
1yes
57
32
3
14
11
0
0
100
-7
7
8
11
6
36
-7
0
0
73
89
6
3
2
100
1yes
78
139
12
62
24
0
0
100
-7
7
8
24
0
21
-7
0
0
18
91
4
3
1
39
1yes
76
163
7
84
20
0
0
100
-7
7
8
24
1
50
-7
2
2
52
28
4
4
0
89
1yes
67
196
8
56
21
0
0
81
4
4
6
21
2
24
-7
0
0
13
-8
6
2
0
53
1yes
79
86
9
36
13
0
0
100
-7
7
8
13
1
8
-7
0
0
19
-8
6
1
0
70
1yes
68
299
10
75
36
0
0
100
-7
7
8
37
2
25
-7
0
0
73
32
7
3
4
91
0no
62
194
4
62
18
1
1
68
6
4
2
22
1
37
-7
5
4
55
68
4
3
1
78
1yes
68
134
4
54
24
0
0
100
-7
7
8
24
5
50
-7
2
2
50
91
3
7
1
83
1yes
59
83
2
25
13
0
0
100
-7
7
8
14
3
21
-7
7
7
95
-8
5
2
2
90
1yes
77
88
5
40
12
0
0
92
15
6
6
12
4
42
-7
0
0
0
76
2
3
0
56
1yes
67
214
2
76
31
1
1
100
-7
7
8
32
2
13
-7
0
0
11
-8
6
1
0
37
0no
71
228
5
85
35
0
0
100
-7
7
8
40
3
40
-7
4
4
62
23
4
2
1
54
1yes
70
132
2
49
20
0
0
100
-7
7
8
21
4
33
-7
5
4
70
60
2
2
1
67
1yes
75
213
2
96
38
0
0
98
-8
6
6
41
5
22
-7
0
0
11
61
2
3
0
44
0no
76
144
3
65
23
0
0
100
-7
7
8
24
2
22
-7
0
0
25
19
2
3
0
45
1yes
71
200
3
83
20
0
0
95
16
6
6
20
1
25
-7
0
0
53
62
7
3
1
71
1yes
83
208
5
74
27
0
0
97
45
6
6
29
1
17
-7
1
1
3
89
3
1
0
29
0no
65
68
2
36
18
0
0
95
50
6
6
19
6
53
-7
2
2
71
75
5
4
0
90
1yes
60
86
1
35
14
0
0
94
35
6
6
16
3
38
-7
4
4
101
79
3
4
1
100
1yes
84
263
41
148
5
0
0
100
-7
7
8
5
0
20
-7
2
2
15
-8
3
-8
0
75
1yes
91
336
20
122
17
0
0
100
-7
7
8
17
0
18
-7
0
0
2
-8
2
1
0
27
0no
71
266
2
62
21
0
0
91
5
4
6
22
3
23
-7
0
0
17
97
2
2
0
33
0no
62
274
11
105
37
0
0
87
13
6
6
39
1
15
-7
1
1
52
16
14
3
2
83
1yes
77
464
31
138
16
1
1
94
50
6
6
16
0
31
-7
0
0
11
-8
3
2
0
71
0no
67
228
3
95
24
3
3
83
57
6
2
29
3
52
-7
0
0
75
92
2
4
1
86
1yes
70
261
2
63
19
0
0
100
-7
7
8
21
1
25
-7
1
1
60
62
5
3
3
73
1yes
71
266
7
118
12
1
1
100
-7
6
8
12
1
8
-7
1
1
1
-8
4
1
0
42
1yes
83
139
2
67
26
0
0
100
-7
7
8
30
2
23
-7
1
1
9
13
2
2
0
45
0no
73
173
4
45
10
0
0
100
-7
7
8
10
2
40
-7
1
1
64
75
3
2
2
100
1yes
87
85
42
63
7
0
0
100
-7
7
8
7
0
29
-7
1
1
2
-8
2
1
0
100
0no
74
73
6
36
16
0
0
94
36
6
6
16
3
75
-7
1
1
10
63
2
5
0
88
1yes
61
33
7
18
5
0
0
100
-7
7
8
7
1
80
-7
0
0
92
-8
1
1
-8
100
1yes
63
95
3
46
15
1
1
93
12
6
6
15
1
27
-7
1
1
68
82
6
2
3
80
1yes
65
65
9
43
16
0
0
100
-7
7
8
16
1
25
-7
0
0
79
91
7
2
5
75
1yes
70
159
3
62
29
0
0
86
1
4
6
29
6
48
-7
1
1
9
69
2
6
2
57
1yes
55
186
6
96
42
4
2
84
4
0
5
45
1
11
-7
4
4
30
-8
7
-8
0
44
1yes
82
219
16
79
18
0
0
100
-7
7
8
18
0
17
-7
0
0
38
-8
4
1
0
56
1yes
58
150
4
84
14
6
2
55
45
6
4
20
3
10
-7
0
0
24
-8
4
1
1
50
1yes
68
378
8
140
10
3
1
77
15
6
4
13
1
54
-7
0
0
0
70
0
3
-8
60
1yes
87
211
8
105
17
0
0
100
-7
7
8
17
1
35
-7
0
0
24
62
2
3
0
63
0no
61
93
14
50
7
1
0
63
18
6
5
8
0
50
-7
1
1
93
-8
2
1
2
75
1yes
82
257
3
108
45
0
0
100
-7
7
8
46
3
28
-7
1
1
3
100
2
3
0
46
0no
84
224
14
110
12
0
0
92
46
6
6
12
0
25
-7
2
2
17
-8
1
-8
0
33
1yes
78
108
2
43
17
0
0
100
-7
7
8
18
4
39
-7
2
2
15
50
4
3
1
78
0no
68
126
4
60
13
2
2
87
32
6
2
15
2
73
-7
8
8
56
85
1
5
0
100
1yes
73
102
1
49
21
0
0
95
-8
6
6
22
3
27
-7
0
0
15
46
2
3
0
60
1yes
67
64
1
26
18
0
0
100
-7
7
8
19
6
53
-7
0
0
55
75
5
7
1
92
1yes
60
191
5
67
10
2
2
83
49
6
4
12
2
33
-7
1
1
86
86
3
2
2
71
1yes
85
128
2
62
17
0
0
100
-7
7
8
19
3
61
-7
5
5
2
93
1
2
0
75
0no
81
63
6
37
13
0
0
100
-7
7
8
13
2
31
-7
0
0
10
57
4
2
0
60
1yes
83
96
4
198
15
1
0
94
52
6
5
16
4
13
-7
1
1
5
-8
4
-8
0
50
1yes
83
83
3
32
9
0
0
100
-7
7
8
9
1
56
-7
3
3
9
53
1
4
0
71
1yes
79
192
8
84
31
0
0
94
7
4
6
32
1
50
-7
0
0
3
-8
3
1
0
50
0no
72
320
1
89
35
3
3
100
-7
7
8
37
3
27
-7
0
0
31
-8
7
1
2
57
1yes
54
358
9
104
49
0
0
90
3
4
6
49
1
78
-7
2
2
83
79
7
8
3
88
1yes
57
323
5
92
13
2
1
67
4
4
3
15
1
27
-7
2
2
61
61
2
3
1
63
1yes
66
163
1
55
31
0
0
91
13
6
6
33
3
42
-7
1
0
64
82
5
3
2
89
1yes
62
152
12
41
12
0
0
92
14
6
6
12
0
33
-7
0
0
82
-8
4
1
3
100
1yes
64
238
6
99
28
1
0
90
4
3
5
29
1
14
-7
1
1
2
96
2
1
0
18
0no
60
144
9
48
28
1
1
97
22
6
2
30
2
33
-7
0
0
79
59
5
4
4
64
1yes
89
112
23
73
15
0
0
100
-7
7
8
15
0
40
-7
0
0
1
48
2
2
0
50
0no
60
197
7
86
25
0
0
88
3
4
6
26
2
27
-7
1
1
82
-8
7
1
3
82
1yes
85
181
6
169
24
0
0
100
-7
7
8
25
2
4
-7
1
0
7
-8
3
-8
0
36
1yes
89
521
8
212
8
0
0
100
-7
7
8
8
1
0
-7
0
0
3
-8
2
-8
0
33
0no
68
307
1
105
22
1
1
92
5
4
4
25
2
48
-7
3
3
13
42
4
4
1
82
1yes
70
332
11
123
19
1
1
100
-7
6
8
20
1
25
-7
2
2
22
-8
2
2
1
55
1yes
63
99
2
44
45
0
0
98
-7
5
7
48
6
48
-7
2
2
91
92
7
10
3
94
0no