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
75
109
3
50
21
0
0
95
28
6
6
21
6
71
-7
2
2
43
73
3
5
0
89
1yes
60
37
3
20
4
1
1
100
-7
7
8
4
2
100
-7
2
2
-8
80
-8
3
-8
100
1yes
88
466
17
160
8
0
0
100
-7
7
8
8
0
13
-7
0
0
8
-8
1
1
0
50
0no
88
215
12
102
11
0
0
100
-7
7
8
11
0
36
-7
1
1
4
-8
3
1
0
80
0no
69
361
8
96
26
1
0
89
1
4
5
28
1
29
-7
0
0
29
57
5
3
0
64
1yes
73
94
1
41
13
0
0
100
-7
7
8
21
5
67
-7
3
3
0
97
1
3
-8
67
1yes
70
133
5
63
21
2
1
91
9
4
5
23
3
18
-7
0
0
16
-8
2
1
0
30
0no
71
127
4
67
18
0
0
94
28
6
6
18
1
33
-7
0
0
87
87
3
3
1
100
1yes
64
75
7
46
12
0
0
75
11
4
6
12
1
42
-7
1
1
45
92
4
3
1
88
0no
67
152
3
37
23
1
1
96
64
6
2
24
3
25
-7
1
1
40
49
11
3
1
78
0no
76
305
2
75
47
0
0
100
-7
7
8
51
6
32
-7
0
0
15
93
6
4
1
59
0no
82
511
20
168
20
0
0
100
-7
7
8
20
0
25
-7
0
0
16
-8
3
1
1
40
1yes
61
178
7
70
26
0
0
89
4
4
6
27
2
52
-7
0
0
31
68
3
3
1
86
1yes
73
152
12
46
20
0
0
100
-7
7
8
21
0
40
-7
0
0
36
91
5
3
0
82
1yes
73
37
2
21
3
0
0
100
-7
7
8
5
2
50
-7
4
4
-8
99
-8
1
-8
100
1yes
54
161
25
70
14
1
0
80
9
4
5
15
0
60
-7
0
0
97
45
4
3
3
100
1yes
58
78
4
46
18
0
0
95
23
6
6
19
3
16
-7
2
2
87
-8
11
1
5
80
0no
73
275
15
116
8
0
0
75
0
4
6
8
0
50
-7
0
0
10
97
1
2
0
75
1yes
62
164
1
43
39
0
0
100
-7
7
8
44
17
36
-7
24
24
54
104
5
11
3
73
1yes
74
99
2
47
15
0
0
81
17
6
6
16
2
50
-7
0
0
0
75
0
2
0
33
0no
61
124
2
56
7
2
1
70
12
6
4
10
1
40
-7
1
0
72
-8
2
2
1
67
0no
58
522
16
200
27
0
0
89
36
6
6
27
0
19
-7
0
0
81
68
15
2
7
81
0no
69
400
10
112
11
2
2
85
42
6
2
13
2
54
-7
0
0
46
82
2
3
2
83
0no
60
70
4
36
5
1
1
71
11
4
3
7
1
43
17
0
0
103
77
2
2
1
100
1yes
79
75
2
37
15
0
0
100
-7
7
8
16
3
44
1
1
1
20
83
2
3
0
56
0no
63
175
3
64
15
1
0
65
3
4
5
17
3
24
0
4
4
11
-8
5
1
0
75
1yes
71
178
12
103
28
1
0
90
18
6
5
31
0
28
1
1
1
56
-8
7
1
1
89
0no
56
91
3
46
27
0
0
96
9
4
6
27
5
19
2
1
1
86
69
17
2
8
87
1yes
76
188
7
56
24
0
0
100
-7
7
8
24
1
42
13
0
0
47
-8
5
1
1
55
0no
74
175
5
64
34
0
0
100
-7
7
8
34
2
29
4
1
1
53
99
5
2
0
50
0no
89
284
21
92
16
0
0
100
-7
7
8
16
0
25
11
0
0
9
71
2
2
0
57
0no
69
194
3
43
18
0
0
100
-7
7
8
18
7
44
3
2
2
68
-8
6
2
2
67
1yes
73
256
1
55
12
0
0
92
5
4
6
13
1
38
0
2
2
14
50
2
2
0
40
1yes
63
217
6
72
13
1
1
100
-7
0
8
13
2
31
5
0
0
103
75
4
3
2
100
1yes
73
122
6
111
16
4
4
94
62
6
3
17
2
24
0
1
1
28
77
6
1
1
58
0no
84
146
57
83
10
0
0
100
-7
7
8
10
0
20
3
1
1
13
-8
1
-8
0
20
0no
68
81
3
34
25
0
0
100
-7
7
8
25
6
32
2
2
2
25
72
9
4
1
65
0no
64
115
0
45
32
2
1
98
16
6
5
40
6
38
5
0
0
12
89
7
8
0
71
0no
88
367
9
117
32
0
0
100
-7
7
8
32
1
22
13
0
0
0
-8
4
2
0
35
0no
79
188
6
68
16
0
0
94
17
6
6
17
3
47
5
0
0
0
55
0
2
0
25
0no
64
79
4
41
16
0
0
100
-7
7
8
17
4
24
6
0
0
79
95
6
3
5
91
1yes
69
191
2
70
28
0
0
86
42
6
6
29
2
21
13
0
0
41
87
10
2
1
67
0no
66
71
8
32
6
2
2
86
64
6
2
7
1
71
3
1
1
54
57
1
3
-8
100
1yes
78
73
19
46
7
0
0
100
-7
7
8
7
0
43
19
0
0
-8
-8
-8
1
-8
100
1yes
80
230
6
84
34
0
0
94
24
6
6
34
1
32
1
2
2
11
47
5
2
0
64
0no
75
228
13
79
17
2
1
86
22
5
2
21
0
29
4
1
1
7
-8
2
1
0
57
1yes
81
76
10
49
12
0
0
100
-7
7
8
12
1
17
-8
0
0
27
-8
2
1
0
44
1yes
61
46
2
23
9
1
1
100
-7
6
8
10
2
40
1
5
4
56
72
5
2
0
88
1yes
68
15
13
14
3
0
0
100
-7
7
8
3
0
100
0
2
2
-8
72
-8
2
-8
100
0no
60
261
2
121
10
1
0
46
41
6
5
13
1
38
2
1
1
4
101
3
2
0
100
0no
69
284
4
73
24
2
0
74
16
6
5
29
1
30
4
1
1
12
48
1
3
0
57
1yes
72
377
5
185
32
0
0
91
15
6
6
32
1
28
4
1
1
24
-8
8
1
2
53
1yes
63
172
10
68
11
1
0
83
9
3
5
12
1
42
0
4
2
69
92
2
3
2
83
1yes
78
174
3
73
28
0
0
100
-7
7
8
28
2
29
13
0
0
20
94
4
3
1
44
0no
61
124
2
53
15
1
0
76
19
6
5
17
1
53
1
1
1
64
72
4
4
1
89
1yes
56
127
2
53
40
0
0
95
9
4
6
41
6
41
0
11
11
40
98
7
4
3
85
1yes
85
189
16
89
17
0
0
100
-7
7
8
18
0
29
4
1
1
14
-8
3
2
0
56
1yes
64
276
2
74
24
1
1
96
3
1
3
26
4
23
0
2
2
59
73
6
2
1
69
0no
62
377
5
86
24
3
2
92
15
6
2
26
2
27
11
0
0
70
76
9
4
4
68
1yes
56
202
8
67
20
2
1
81
6
3
5
22
1
27
0
1
1
81
81
6
3
4
83
1yes
79
70
3
36
16
0
0
100
-7
7
8
16
1
31
8
0
0
13
103
2
3
0
56
0no
78
175
17
88
39
0
0
100
-7
7
8
40
0
70
5
1
1
33
74
3
2
1
83
0no
72
75
8
52
3
0
0
100
-7
7
8
3
1
0
0
1
1
74
-8
3
-8
2
100
1yes
70
122
2
43
13
0
0
100
-7
7
8
15
2
36
2
1
1
52
46
4
3
2
88
1yes
59
129
4
43
15
1
0
94
68
6
5
16
4
38
1
6
6
71
92
9
3
3
92
1yes
58
29
2
18
10
0
0
91
13
6
6
11
2
45
0
10
10
55
78
5
4
1
90
1yes
89
400
30
141
15
0
0
100
-7
7
8
15
0
27
-8
0
0
7
-8
2
1
0
43
0no
80
80
13
49
21
0
0
100
-7
7
8
21
0
52
13
0
0
33
-8
4
2
0
75
1yes
72
33
5
20
4
0
0
100
-7
7
8
4
1
75
5
1
1
0
92
0
2
-8
67
0no
72
111
4
32
21
0
0
100
-7
7
8
21
3
24
21
0
0
50
100
5
2
2
57
0no
62
136
1
46
23
0
0
96
41
6
6
24
2
58
0
3
3
93
73
5
4
4
77
1yes
81
207
14
105
27
0
0
96
46
6
6
56
0
32
0
1
1
1
40
1
3
0
44
0no
66
183
17
62
28
0
0
100
-7
7
8
29
0
28
12
0
0
86
54
8
2
8
91
1yes
73
186
6
53
19
1
1
95
32
6
2
20
1
40
19
0
0
3
63
3
3
0
55
0no
75
106
2
41
8
0
0
100
-7
7
8
9
2
44
2
5
5
42
79
3
2
1
83
1yes
69
410
1
124
49
0
0
100
-7
7
8
52
10
23
1
1
1
41
15
11
2
1
58
1yes
71
84
0
38
21
0
0
96
28
6
6
25
3
16
9
0
0
35
84
4
3
2
67
1yes
79
543
1
65
15
0
0
100
-7
7
8
18
6
29
10
0
0
46
97
6
2
0
73
1yes
66
171
11
75
28
1
1
100
-7
6
8
28
2
14
1
3
2
69
37
6
1
3
60
1yes
60
270
3
59
20
4
0
79
8
4
5
24
1
50
0
2
2
63
42
6
4
1
77
1yes
72
243
11
184
30
0
0
97
46
6
6
30
1
30
-8
1
0
62
56
8
3
3
71
1yes
74
63
4
41
12
0
0
100
-7
7
8
12
3
42
0
3
3
26
80
3
3
0
75
0no
66
248
9
93
47
0
0
96
30
6
6
47
1
32
5
2
2
54
79
6
3
2
63
0no
63
73
33
53
1
1
0
50
5
4
5
2
0
100
13
0
0
-8
-8
-8
-8
-8
-8
1yes
79
197
17
100
15
0
0
93
29
6
6
15
0
40
5
1
1
48
26
1
2
1
75
0no
64
150
2
50
32
1
1
94
26
0
2
34
3
32
2
2
2
55
84
7
3
3
79
0no
80
207
8
92
18
0
0
100
-7
7
8
18
1
50
9
0
0
28
75
3
3
1
60
1yes
62
150
6
36
25
0
0
100
-7
7
8
26
4
58
5
0
0
70
60
7
4
2
92
0no
65
53
2
27
17
0
0
100
-7
7
8
19
4
61
0
3
3
51
57
5
3
1
89
0no
81
297
40
117
4
0
0
100
-7
7
8
5
0
40
-8
0
0
-8
-8
-8
1
-8
100
0no
89
388
11
187
16
0
0
100
-7
7
8
16
1
13
-8
0
0
16
-8
4
-8
0
45
0no
61
140
2
68
49
0
0
96
-8
6
6
52
7
40
1
3
3
59
87
7
8
4
83
1yes
68
196
2
68
11
1
1
92
3
1
3
13
4
54
2
2
2
9
95
1
2
0
75
0no
83
127
4
60
18
0
0
100
-7
7
8
18
5
44
3
1
1
8
81
1
3
-8
83
0no
69
105
3
30
17
0
0
100
-7
7
8
17
7
12
4
1
1
32
100
6
1
2
64
1yes
60
168
1
54
33
2
1
81
11
4
2
37
3
25
1
1
1
76
84
14
3
4
71
1yes
74
207
4
78
32
0
0
100
-7
7
8
33
2
38
-8
0
0
22
44
8
3
1
79
0no
58
272
6
52
21
1
0
95
55
6
5
22
6
32
1
8
8
76
73
8
3
3
86
1yes
68
86
7
27
11
1
1
92
7
0
2
12
3
50
0
1
1
0
95
0
3
-8
50
1yes
76
181
24
67
19
0
0
95
31
6
6
19
0
58
16
0
0
54
57
1
4
0
63
0no