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
71
228
4
81
45
1
0
98
-8
6
5
46
2
39
10
0
0
24
95
4
2
1
44
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
71
164
13
81
28
0
0
81
6
4
6
32
0
63
1
1
1
4
87
5
2
0
78
0no
87
182
8
73
45
0
0
98
-8
6
6
45
4
20
15
0
0
4
46
2
2
0
20
0no
78
197
8
93
17
1
1
94
28
6
2
18
1
33
22
0
0
8
-8
1
1
0
33
0no
84
220
7
97
33
0
0
97
20
6
6
39
1
59
1
1
1
1
71
2
4
0
55
1yes
70
77
2
40
12
2
2
93
25
6
2
14
3
29
1
1
1
9
100
2
1
0
43
1yes
72
259
7
82
41
0
0
100
-7
7
8
41
3
22
0
8
8
37
80
10
2
2
60
1yes
67
106
3
44
15
1
1
88
7
4
2
17
1
38
0
5
5
0
85
1
4
0
56
0no
64
80
1
32
14
0
0
100
-7
7
8
15
3
27
18
0
0
54
-8
8
1
3
100
1yes
59
-8
41
90
4
2
0
50
9
3
5
6
0
83
13
0
0
16
-8
1
1
0
100
1yes
74
262
35
115
17
0
0
94
3
4
6
17
0
35
-8
0
0
0
-8
2
2
0
71
0no
70
201
2
114
9
7
7
75
38
6
2
13
2
31
6
0
0
2
-8
1
1
0
50
1yes
76
73
4
32
15
0
0
100
-7
7
8
15
2
20
4
1
1
21
86
5
2
0
54
0no
68
195
3
70
41
1
1
98
69
6
4
45
6
71
2
3
3
74
83
6
7
3
100
1yes
84
223
5
84
28
0
0
100
-7
7
8
28
1
43
15
0
0
5
75
4
4
0
73
0no
58
154
9
84
17
1
0
83
22
6
5
18
2
22
0
2
2
28
-8
7
1
1
89
1yes
75
117
7
54
13
1
1
86
13
6
4
15
2
21
4
4
2
0
46
2
3
-8
83
1yes
68
39
4
20
10
0
0
100
-7
7
8
10
3
60
5
1
1
51
95
3
3
2
86
1yes
62
60
5
20
9
2
1
90
46
6
5
10
3
40
4
2
2
53
73
5
4
2
90
1yes
84
199
5
79
27
0
0
100
-7
7
8
28
2
21
8
0
0
21
97
5
2
0
44
0no
85
165
1
73
10
0
0
100
-7
7
8
13
4
8
-8
0
0
11
-8
4
1
0
63
0no
61
198
14
96
25
0
0
89
1
4
6
27
0
30
11
0
0
67
75
7
2
2
75
1yes
63
95
3
44
17
0
0
94
1
4
6
17
2
47
9
0
0
68
89
3
5
0
100
1yes
72
159
1
61
26
0
0
96
5
4
6
27
2
33
1
1
1
7
75
5
3
0
67
1yes
80
138
4
61
18
0
0
94
39
6
6
18
2
11
17
1
0
0
-8
2
-8
1
29
0no
74
167
13
81
9
1
1
90
55
6
2
10
0
50
1
3
3
59
84
1
2
1
75
1yes
77
154
1
47
22
0
0
100
-7
7
8
24
2
30
18
0
0
12
36
2
2
1
71
1yes
68
32
10
17
4
0
0
100
-7
7
8
4
1
50
3
4
4
13
92
1
2
-8
75
0no
55
125
1
67
27
1
1
62
1
4
6
29
2
79
1
3
3
15
62
2
3
0
63
1yes
92
288
7
102
16
0
0
100
-7
7
8
16
1
6
-8
1
0
1
-8
2
-8
0
29
0no
58
78
9
33
8
2
2
100
-7
6
8
9
2
44
0
1
1
87
49
2
4
1
100
1yes
78
112
3
57
39
0
0
100
-7
7
8
41
2
33
2
3
2
5
87
3
3
0
67
0no
82
144
9
86
14
0
0
100
-7
7
8
14
1
43
8
0
0
-8
-8
0
2
-8
67
0no
68
223
4
81
25
3
1
76
12
5
4
29
5
28
15
0
0
33
96
4
3
1
50
1yes
66
290
6
118
40
1
0
86
21
5
5
42
2
31
5
0
0
79
76
11
2
5
82
0no
89
274
11
125
15
0
0
100
-7
7
8
15
1
20
16
0
0
6
96
3
2
0
50
0no
74
206
5
88
47
0
0
98
-8
6
6
49
2
22
23
0
0
39
69
6
3
2
45
0no
66
398
4
77
48
0
0
94
1
4
6
49
5
16
0
2
2
14
56
11
2
1
52
1yes
86
269
5
80
25
0
0
100
-7
7
8
25
1
16
4
1
1
2
-8
3
1
0
27
0no
70
81
16
53
17
1
1
100
-7
6
8
17
0
24
2
1
1
32
78
9
2
0
73
0no
73
84
1
43
19
0
0
95
12
6
6
21
3
33
12
0
0
0
100
3
3
0
50
1yes
66
269
5
72
9
0
0
80
16
6
6
10
3
30
10
0
0
98
-8
4
1
1
83
1yes
83
395
26
181
25
0
0
92
72
6
6
25
0
36
-8
0
0
16
68
5
2
0
47
0no
73
206
1
77
53
2
1
95
28
6
5
63
4
51
0
4
4
39
78
4
5
1
56
1yes
84
188
15
79
25
1
0
96
81
6
5
29
0
31
8
0
0
3
-8
1
1
0
50
0no
85
404
4
80
43
0
0
100
-7
7
8
44
3
28
20
0
0
3
54
7
3
0
63
0no
75
234
2
88
40
0
0
100
-7
7
8
41
2
32
2
1
1
10
53
5
4
0
45
0no
74
24
5
18
4
0
0
100
-7
7
8
4
1
50
21
0
0
35
-8
1
1
-8
100
0no
83
363
27
127
20
0
0
85
16
6
6
20
0
40
-8
0
0
0
-8
1
2
0
57
0no
79
411
1
138
42
0
0
98
14
6
6
46
1
12
0
2
2
0
93
4
2
0
25
0no
61
138
19
62
9
0
0
92
1
4
6
13
0
31
0
2
2
91
61
4
2
4
75
0no
81
271
3
85
19
0
0
95
16
6
6
21
3
33
4
1
1
6
-8
3
1
1
36
0no
86
219
33
99
19
0
0
100
-7
7
8
21
0
52
-8
0
0
0
-8
1
1
0
33
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
64
32
5
14
6
0
0
83
18
6
6
6
4
67
4
1
1
49
56
2
2
1
100
1yes
81
279
5
84
25
0
0
100
-7
7
8
25
2
28
4
1
1
17
60
5
2
0
54
0no
81
335
10
81
31
0
0
94
11
4
6
33
1
50
-8
1
0
19
34
2
5
0
64
0no
67
163
1
78
26
0
0
100
-7
7
8
27
3
48
1
4
4
81
100
6
2
2
75
1yes
82
237
15
88
28
0
0
100
-7
7
8
31
0
13
14
0
0
7
48
4
2
0
43
0no
83
306
27
113
17
0
0
100
-7
7
8
17
0
65
-8
0
0
43
33
3
2
0
83
1yes
67
35
1
17
6
0
0
100
-7
7
8
7
2
29
0
4
4
36
-8
3
2
0
71
0no
76
245
12
112
21
0
0
100
-7
7
8
22
0
24
12
0
0
68
60
3
2
2
67
0no
64
185
8
96
31
2
0
88
17
6
5
33
1
21
16
0
0
73
92
8
3
6
73
1yes
68
160
2
70
63
0
0
97
13
6
6
71
5
48
20
0
0
35
105
11
7
0
75
0no
71
346
1
105
34
0
0
100
-7
7
8
62
6
16
2
1
1
51
59
11
3
5
58
0no
75
183
1
81
31
0
0
100
-7
7
8
33
4
9
0
2
2
37
-8
6
1
1
41
1yes
64
111
2
70
5
2
2
75
31
6
2
8
1
25
0
8
8
0
95
0
1
-8
50
1yes
58
8
2
4
1
0
0
100
-7
7
8
3
3
0
0
46
46
70
-8
3
-8
2
100
1yes
84
204
4
59
16
0
0
100
-7
7
8
16
2
38
18
0
0
17
80
3
2
0
67
1yes
76
264
3
113
15
1
1
94
41
6
2
16
2
38
5
2
1
0
69
0
2
0
38
0no
74
186
7
71
38
0
0
100
-7
7
8
39
2
46
3
2
2
20
62
6
4
1
67
0no
91
270
23
132
16
0
0
100
-7
7
8
16
0
13
-8
0
0
6
-8
3
1
0
50
0no
88
175
13
89
12
0
0
100
-7
7
8
12
0
33
-8
0
0
0
42
1
2
0
38
0no
68
103
17
49
19
1
1
90
5
6
2
20
0
35
9
0
0
13
-8
1
2
0
50
0no
79
142
20
74
23
0
0
100
-7
7
8
25
0
28
0
1
1
23
-8
3
1
0
83
0no
73
475
6
139
47
0
0
96
65
6
6
49
1
27
7
1
0
74
54
4
3
2
73
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
77
179
4
59
44
0
0
93
59
6
6
45
3
56
0
2
2
10
65
3
1
0
45
1yes
75
45
1
18
9
0
0
100
-7
7
8
10
4
40
0
2
2
12
39
2
2
0
57
0no
76
197
8
73
19
2
0
86
19
6
5
22
2
24
8
0
0
7
-8
1
1
0
29
0no
75
221
12
64
35
0
0
94
9
4
6
36
0
36
11
0
0
18
59
3
4
0
44
1yes
82
274
15
112
15
0
0
100
-7
7
8
15
0
27
-8
0
0
38
-8
3
1
1
50
0no
82
186
3
85
19
0
0
100
-7
7
8
22
4
27
3
3
3
34
-8
3
1
0
50
0no
64
181
2
68
17
2
0
82
8
3
5
22
3
55
5
0
0
37
78
2
2
1
57
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
81
191
10
86
16
0
0
100
-7
6
7
17
1
41
13
0
0
24
-8
1
1
-8
40
0no
73
85
6
40
17
1
0
94
11
3
5
18
2
28
10
0
0
10
-8
3
2
0
36
0no
77
169
29
94
13
1
1
93
32
6
2
15
0
33
-8
0
0
0
-8
1
1
0
50
1yes
90
501
10
161
11
0
0
100
-7
7
8
11
1
27
-8
0
0
9
-8
1
1
0
25
0no
62
93
3
33
21
0
0
86
6
4
6
21
3
76
3
1
1
53
88
2
6
1
73
1yes
73
255
4
77
34
2
1
92
8
4
2
36
5
86
0
2
2
11
96
2
11
0
87
0no
63
170
7
91
27
8
8
74
44
6
2
38
1
42
5
1
1
64
83
6
2
2
90
0no
72
26
2
13
12
0
0
100
-7
7
8
14
6
43
2
3
2
20
89
3
5
0
62
1yes
58
231
13
73
20
2
2
90
4
4
6
23
0
24
0
2
2
54
39
2
4
1
60
1yes
66
192
8
69
16
1
1
100
-7
0
8
17
1
29
7
0
0
15
81
3
3
1
60
0no
91
340
18
152
15
0
0
100
-7
7
8
15
0
7
-8
0
0
3
-8
2
-8
0
22
0no
71
373
8
102
12
1
1
100
-7
6
8
12
1
33
1
3
3
0
-8
0
1
-8
25
0no
81
198
4
63
20
0
0
100
-7
7
8
21
4
30
18
0
0
18
80
7
2
1
69
1yes
86
229
4
94
25
0
0
100
-7
7
8
25
2
20
2
1
1
3
-8
2
-8
0
40
0no