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
78
154
7
90
15
0
0
93
50
6
6
15
1
20
12
0
0
39
70
7
2
1
90
1yes
89
327
23
94
18
0
0
100
-7
7
8
19
0
28
7
0
0
3
-8
3
1
0
50
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
75
241
5
68
37
0
0
100
-7
7
8
37
1
43
0
0
0
25
67
3
3
2
43
1yes
76
285
4
100
21
0
0
82
44
6
6
22
1
27
0
0
0
27
75
6
3
0
69
0no
68
178
3
38
13
1
1
100
-7
6
8
13
6
23
0
1
1
29
82
6
2
0
67
0no
66
22
11
15
7
0
0
100
-7
7
8
7
2
43
0
2
2
46
84
4
3
1
100
1yes
65
143
7
85
13
0
0
93
11
4
6
14
2
43
0
0
0
73
76
3
3
2
100
1yes
66
135
9
57
17
1
1
94
3
2
4
18
6
33
0
1
1
6
-8
2
2
0
63
0no
83
341
4
115
25
0
0
96
65
6
6
25
2
28
0
2
2
3
100
3
3
-8
64
0no
65
91
1
38
17
1
1
89
21
6
6
18
5
56
0
6
6
26
37
3
4
0
78
1yes
61
183
7
76
8
2
2
80
1
4
2
12
2
33
0
0
0
0
-8
1
1
0
50
1yes
84
52
3
25
7
0
0
100
-7
7
8
7
2
43
0
0
0
5
98
1
2
0
50
0no
84
311
10
85
26
0
0
100
-7
7
8
26
1
31
0
0
0
8
23
3
2
0
36
0no
57
12
2
5
5
0
0
100
-7
7
8
8
7
13
0
4
4
50
-8
6
1
2
88
1yes
60
305
3
115
16
2
2
63
5
3
3
19
2
21
0
4
4
11
-8
4
1
0
73
0no
55
304
1
89
36
1
0
80
19
6
5
40
8
30
0
4
4
43
-8
14
1
3
75
0no
61
210
4
64
28
0
0
93
9
4
6
28
3
46
0
0
0
52
95
10
2
4
86
1yes
68
225
4
94
20
1
0
86
6
6
5
21
1
57
0
9
9
35
65
4
4
1
73
1yes
77
90
10
41
3
0
0
100
-7
7
8
3
1
67
0
0
0
26
83
1
2
0
100
0no
65
83
11
39
16
2
2
100
-7
6
8
16
1
56
0
2
2
60
76
5
2
1
88
1yes
66
273
1
111
26
0
0
100
-7
7
8
28
1
7
0
3
3
74
-8
7
-8
5
58
0no
66
130
2
44
12
0
0
92
4
4
6
13
1
23
0
1
1
32
52
5
2
1
70
0no
72
220
7
91
36
0
0
100
-7
7
8
36
4
22
0
1
1
44
86
7
2
2
56
1yes
90
135
9
76
16
0
0
100
-7
7
8
16
1
56
0
0
0
3
-8
1
2
0
75
0no
73
93
5
43
20
0
0
95
24
6
6
20
2
30
0
0
0
47
100
6
2
1
60
0no
71
75
2
29
14
0
0
100
-7
7
8
16
3
25
0
1
1
48
91
3
2
1
100
0no
71
208
3
62
28
1
1
97
40
6
2
29
6
34
0
1
1
27
97
4
3
0
50
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
66
207
14
95
4
2
1
67
22
6
3
6
0
17
0
0
0
85
-8
3
1
1
100
1yes
59
115
4
56
25
0
0
96
2
4
6
25
4
44
3
1
1
64
53
2
3
1
50
0no
68
284
1
78
45
0
0
100
-7
7
8
47
5
19
1
7
7
27
57
9
3
1
48
1yes
65
169
32
78
17
4
3
70
23
6
3
20
0
30
1
7
7
5
27
2
4
1
60
0no
60
303
2
116
44
0
0
87
5
6
6
45
1
27
-8
0
0
35
70
6
5
1
50
0no
67
144
21
62
22
0
0
86
6
4
6
22
0
59
1
2
2
11
58
2
3
1
100
0no
63
260
8
91
28
1
1
80
3
4
3
31
1
27
12
0
0
28
89
7
2
0
53
0no
64
85
0
13
2
0
0
100
-7
7
8
9
8
33
0
66
66
65
-8
2
3
1
71
1yes
76
333
7
144
25
0
0
100
-7
7
8
25
2
36
10
0
0
40
70
6
4
1
69
1yes
88
490
4
181
12
0
0
92
36
6
6
12
1
42
-8
0
0
2
96
2
1
0
75
0no
76
190
23
98
24
0
0
100
-7
7
8
29
0
41
2
2
2
50
32
4
1
1
100
0no
70
193
2
57
22
0
0
100
-7
7
8
23
2
22
18
0
0
53
80
6
4
1
63
0no
71
189
14
94
21
1
1
95
50
6
6
22
0
41
3
2
2
71
79
1
2
-8
38
0no
67
165
20
90
24
0
0
96
2
4
6
24
0
17
22
0
0
19
-8
3
1
1
27
0no
80
237
0
77
25
0
0
100
-7
7
8
26
4
31
1
3
2
20
84
6
3
0
64
1yes
73
347
6
140
32
0
0
100
-7
7
8
32
1
9
-8
0
0
41
-8
15
1
6
74
0no
66
196
4
76
41
0
0
100
-7
7
8
43
3
17
3
1
1
37
98
9
3
4
55
0no
61
146
3
58
35
0
0
63
6
4
6
44
4
45
6
0
0
27
87
4
3
2
64
1yes
77
100
5
38
15
0
0
93
34
6
6
15
1
27
0
6
6
10
-8
3
1
0
57
0no
80
130
4
57
24
0
0
100
-7
7
8
24
3
38
4
1
1
41
43
3
3
0
46
0no
72
247
6
74
26
0
0
96
20
6
6
27
1
35
2
3
3
28
44
6
4
1
56
1yes
54
187
3
75
30
0
0
87
0
4
6
30
5
3
0
3
3
39
98
4
1
2
55
1yes
86
144
2
65
20
0
0
100
-7
7
8
21
1
24
2
5
5
4
84
1
2
0
30
0no
89
207
121
150
7
0
0
100
-7
7
8
7
0
14
-8
0
0
2
-8
2
-8
0
100
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
59
180
4
60
49
0
0
98
20
6
6
49
6
37
2
3
3
45
70
10
4
2
82
1yes
70
160
4
76
25
0
0
96
36
6
6
25
2
16
6
0
0
47
43
7
3
1
67
0no
69
112
5
53
38
0
0
100
-7
7
8
40
2
29
5
1
1
68
86
5
4
4
64
1yes
77
133
1
64
22
0
0
91
24
6
6
23
1
61
1
1
1
33
79
1
4
0
71
0no
75
205
2
36
4
0
0
100
-7
7
8
7
5
0
2
2
1
34
-8
4
-8
2
67
0no
84
169
21
57
15
0
0
100
-7
7
8
15
0
33
0
1
1
11
-8
3
1
0
57
0no
84
179
3
99
15
0
0
93
28
6
6
15
2
33
-8
0
0
18
97
3
2
1
63
0no
85
158
16
70
8
0
0
100
-7
7
8
8
0
25
6
0
0
20
80
3
2
0
83
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
92
407
7
142
21
0
0
100
-7
7
8
21
1
48
-8
0
0
0
-8
1
2
0
33
0no
71
174
5
42
25
0
0
96
12
6
6
25
8
20
4
2
2
12
68
3
2
0
29
1yes
70
55
0
20
6
0
0
100
-7
7
8
11
6
18
0
6
6
28
36
3
2
0
45
1yes
75
134
3
63
28
1
0
97
80
6
5
34
2
21
2
5
5
16
-8
3
1
0
67
0no
78
92
6
25
10
0
0
100
-7
7
8
10
4
30
0
2
2
16
71
2
2
0
57
1yes
64
323
7
106
21
5
4
77
11
0
5
23
2
9
14
0
0
27
71
5
2
1
50
1yes
76
204
6
79
15
0
0
87
9
4
6
15
2
40
18
0
0
0
53
3
3
0
60
0no
66
132
3
70
22
0
0
96
81
6
6
25
1
48
1
1
1
87
-8
3
1
3
100
1yes
73
134
3
55
26
0
0
100
-7
7
8
26
5
35
6
1
0
64
33
4
2
2
64
0no
84
401
13
128
32
0
0
100
-7
7
8
35
0
45
13
0
0
15
58
5
3
0
62
0no
74
123
1
52
23
0
0
100
-7
7
8
24
3
33
5
0
0
38
43
4
5
1
75
0no
84
159
3
75
21
0
0
96
28
6
6
26
1
46
3
2
2
0
84
1
3
0
57
0no
58
190
3
47
15
0
0
87
5
4
6
15
5
20
3
2
2
37
98
6
3
1
64
1yes
74
183
4
84
21
1
1
86
3
6
4
24
1
32
2
1
1
15
-8
2
-8
0
25
0no
78
265
21
143
37
0
0
100
-7
7
8
38
0
21
2
3
3
47
-8
10
1
1
63
0no
84
172
5
74
21
0
0
100
-7
7
8
21
1
29
3
1
1
1
32
1
2
0
36
0no
83
281
2
59
13
0
0
100
-7
7
8
14
6
43
1
2
2
2
80
1
4
0
56
0no
85
178
2
74
19
0
0
100
-7
7
8
20
2
25
-8
0
0
6
100
4
2
0
55
0no
55
248
15
62
19
2
1
86
3
0
5
22
0
64
0
2
2
8
31
1
2
0
75
0no
86
329
3
135
15
0
0
100
-7
7
8
15
1
20
10
0
0
0
77
2
2
0
67
0no
62
168
1
67
16
2
2
89
6
0
2
20
1
42
20
0
0
89
91
2
2
1
83
1yes
70
139
17
58
19
0
0
100
-7
7
8
19
0
37
1
4
4
63
76
3
3
1
86
1yes
68
123
7
56
11
1
1
83
8
4
3
12
1
25
3
1
1
27
58
2
3
1
60
0no
65
228
5
69
24
3
2
85
3
0
2
27
1
31
7
0
0
13
66
3
2
0
46
0no
85
143
1
71
12
0
0
100
-7
7
8
13
3
23
1
1
1
12
100
2
2
0
50
1yes
89
148
6
72
22
1
0
96
34
6
5
24
1
13
-8
0
0
0
-8
1
1
0
12
0no
75
342
26
170
13
2
0
69
62
6
5
16
0
31
-8
0
0
70
-8
4
1
-8
63
0no
81
275
3
80
50
0
0
98
33
6
6
50
2
16
7
0
0
3
10
3
3
0
25
0no
75
273
10
107
27
1
0
93
18
6
5
29
1
17
10
0
0
26
91
4
2
0
54
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
69
246
2
70
34
0
0
100
-7
7
8
35
1
31
2
1
1
24
-8
11
-8
2
65
0no
83
208
10
100
40
0
0
98
-8
6
6
40
2
48
-8
0
0
13
88
4
2
0
43
0no
79
94
5
52
25
0
0
100
-7
7
8
25
2
16
5
2
2
10
78
5
2
0
50
0no
54
142
2
61
23
4
3
76
4
4
3
30
4
52
4
1
1
51
73
5
6
1
80
1yes
82
175
5
74
29
0
0
100
-7
7
8
30
2
21
6
0
0
52
-8
1
1
0
67
1yes
80
206
1
68
19
0
0
100
-7
7
8
21
4
52
1
2
2
25
89
4
3
0
70
1yes
66
332
4
134
12
4
4
79
72
6
2
14
2
43
8
0
0
47
96
4
3
1
100
0no