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
86
216
9
125
18
0
0
94
27
6
6
18
1
33
16
0
0
0
70
0
3
0
43
0no
91
450
29
196
12
0
0
100
-7
7
8
12
0
8
-8
0
0
6
-8
2
-8
0
67
0no
73
219
2
82
28
0
0
93
13
6
6
29
2
14
1
1
1
28
-8
7
1
0
50
0no
66
162
9
51
21
1
1
86
26
6
2
22
1
45
1
6
6
32
76
5
2
0
64
1yes
88
215
9
103
14
0
0
100
-7
7
8
14
1
36
8
0
0
14
56
2
1
0
67
0no
79
201
7
83
18
0
0
89
37
6
6
18
3
44
8
0
0
0
-8
0
2
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
70
433
17
139
35
0
0
97
79
6
6
35
0
26
-8
0
0
53
66
10
2
4
60
0no
90
332
14
145
8
0
0
100
-7
7
8
8
0
38
-8
0
0
4
24
2
1
0
60
0no
61
171
8
78
40
0
0
93
7
4
6
42
1
24
-8
0
0
49
68
7
3
2
67
0no
75
94
1
24
10
0
0
100
-7
7
8
11
5
27
2
4
4
18
66
3
2
0
63
1yes
82
180
7
86
22
0
0
100
-7
7
8
22
1
50
5
0
0
5
42
3
4
0
78
0no
63
181
7
81
26
0
0
96
4
4
6
27
4
8
-8
0
0
53
-8
7
-8
3
47
0no
63
45
5
28
16
0
0
100
-7
7
8
16
2
19
0
10
10
47
-8
6
-8
2
75
1yes
76
417
2
103
24
1
1
100
-7
6
8
28
2
7
1
1
1
2
-8
3
-8
0
21
0no
83
115
1
60
19
0
0
100
-7
7
8
21
3
29
1
4
4
8
5
3
2
0
45
1yes
64
230
11
108
35
0
0
92
4
4
6
39
1
47
2
1
1
56
40
7
8
2
83
0no
79
71
3
33
12
0
0
100
-7
7
8
12
3
25
11
0
0
11
94
3
2
0
56
0no
85
308
11
91
28
0
0
100
-7
7
8
29
1
34
18
0
0
13
51
2
4
0
60
0no
74
152
10
91
25
0
0
100
-7
7
8
25
1
36
21
0
0
29
49
5
3
1
80
0no
81
333
9
108
26
0
0
100
-7
7
8
26
2
12
1
3
3
1
40
7
2
0
59
0no
81
190
6
84
21
0
0
100
-7
7
8
21
2
29
7
0
0
8
91
5
2
0
88
0no
91
287
15
161
22
0
0
100
-7
7
8
23
0
30
15
0
0
1
19
1
2
0
23
0no
84
340
16
96
14
0
0
100
-7
7
8
16
0
13
-8
0
0
28
-8
3
1
0
67
0no
66
167
1
34
29
0
0
100
-7
7
8
34
11
50
1
3
3
41
91
4
7
2
79
1yes
78
240
10
83
51
0
0
100
-7
7
8
56
2
29
0
1
1
21
85
3
3
0
50
0no
90
174
31
98
13
0
0
100
-7
7
8
13
0
38
14
0
0
8
-8
1
1
0
40
0no
83
287
6
77
24
0
0
96
47
6
6
24
2
21
0
1
1
2
73
2
2
0
25
0no
73
311
4
108
19
0
0
95
11
4
6
19
2
42
0
3
3
23
-8
4
3
1
54
0no
75
152
4
58
14
0
0
93
13
6
6
14
2
29
7
0
0
37
60
2
3
1
71
1yes
79
275
7
102
38
0
0
95
22
6
6
38
2
16
0
2
2
2
-8
6
2
0
40
1yes
77
85
7
42
13
0
0
92
59
6
6
13
4
15
1
3
3
8
98
4
2
0
67
0no
55
316
8
119
22
1
0
78
1
4
5
23
1
26
-8
0
0
29
-8
4
2
1
50
0no
70
250
11
60
15
0
0
100
-7
7
8
15
2
40
2
2
2
63
-8
5
2
2
100
1yes
67
235
5
92
27
0
0
100
-7
7
8
27
2
26
13
0
0
53
84
8
3
2
65
0no
79
314
1
102
25
0
0
100
-7
7
8
26
3
31
0
4
4
13
84
3
4
1
50
0no
66
386
23
101
23
0
0
96
6
4
6
23
0
30
14
0
0
65
60
7
2
2
100
0no
85
263
2
96
29
0
0
100
-7
7
8
30
1
33
1
3
3
6
60
2
5
0
54
0no
82
364
26
126
26
0
0
96
53
6
6
27
0
15
-8
1
0
15
75
7
3
1
63
0no
83
128
5
78
44
0
0
100
-7
7
8
44
1
14
2
1
1
8
85
7
2
0
36
0no
75
426
5
109
23
0
0
96
55
6
6
23
1
17
11
0
0
32
-8
6
1
2
44
0no
78
185
10
77
35
0
0
97
59
6
6
37
1
29
13
0
0
49
41
3
2
0
83
0no
83
287
4
91
26
0
0
100
-7
7
8
27
3
42
1
1
1
11
71
3
2
0
58
0no
76
135
3
54
25
0
0
96
78
6
6
25
2
40
5
2
2
12
79
3
5
0
53
0no
67
247
14
79
18
1
0
80
4
4
5
21
0
20
6
0
0
25
50
4
2
1
46
0no
73
283
2
105
20
0
0
95
6
4
6
22
2
33
1
1
1
29
65
3
2
1
63
1yes
86
208
3
96
38
0
0
100
-7
7
8
38
2
8
-8
0
0
0
-8
1
1
0
13
0no
86
287
15
117
23
0
0
100
-7
7
8
23
0
30
11
0
0
3
54
3
3
0
60
0no
64
104
3
61
38
0
0
100
-7
7
8
38
1
29
-8
0
0
74
98
10
4
6
88
0no
65
275
2
81
42
0
0
93
15
6
6
44
5
50
0
3
3
63
77
4
6
1
71
0no
80
501
41
205
33
0
0
97
-7
5
7
33
0
21
20
0
0
47
22
11
2
2
67
0no
80
161
5
48
10
0
0
90
24
6
6
10
3
50
3
1
1
8
74
2
2
0
67
1yes
66
417
17
165
7
1
0
89
3
4
5
9
0
56
16
0
0
93
80
2
1
1
100
1yes
87
442
5
202
18
0
0
100
-7
7
8
18
1
28
-8
0
0
0
95
2
1
0
38
0no
72
151
7
60
30
1
0
97
36
6
5
34
4
27
6
0
0
16
78
3
6
1
45
0no
80
246
2
99
24
0
0
100
-7
7
8
25
2
36
2
1
1
41
87
3
3
2
75
0no
52
30
4
16
23
1
0
96
4
3
5
24
7
8
1
2
2
35
-8
17
1
1
78
0no
56
199
10
108
33
5
4
89
1
0
2
36
1
28
0
1
1
83
45
5
3
1
50
0no
78
342
6
95
25
0
0
100
-7
7
8
25
3
36
16
0
0
44
97
5
3
1
67
0no
72
244
0
109
25
0
0
100
-7
7
8
27
4
15
0
6
6
46
-8
5
2
1
50
1yes
84
128
6
70
28
0
0
96
25
6
6
28
3
14
-8
0
0
3
-8
2
1
0
33
0no
79
187
13
87
24
0
0
96
21
6
6
24
0
25
2
2
2
6
-8
1
1
0
25
0no
91
325
34
117
13
0
0
100
-7
7
8
13
0
8
24
0
0
3
-8
2
-8
0
25
0no
84
219
18
61
10
0
0
100
-7
7
8
10
0
10
-8
0
0
13
-8
6
1
0
78
0no
62
192
1
68
62
0
0
94
1
4
6
87
4
44
0
7
7
35
-8
7
5
1
71
1yes
79
306
2
89
19
0
0
95
15
6
6
21
2
24
1
1
1
12
-8
5
1
0
60
0no
54
227
24
106
43
0
0
89
0
4
6
45
0
30
0
11
11
55
10
6
2
3
63
1yes
67
221
9
67
29
1
1
97
53
6
2
31
2
27
9
0
0
48
32
10
2
3
81
1yes
77
132
8
70
23
0
0
100
-7
7
8
23
1
48
3
2
2
21
88
2
3
0
71
0no
58
206
3
81
32
2
0
91
35
6
5
34
1
50
1
2
2
54
85
4
2
1
64
1yes
84
205
16
89
22
0
0
100
-7
7
8
22
0
45
0
2
2
20
63
1
2
0
27
0no
81
177
4
52
25
0
0
96
27
6
6
26
1
23
3
3
3
14
77
4
3
0
62
0no
63
142
3
58
9
4
4
75
16
6
2
12
2
42
12
0
0
0
99
2
2
0
100
0no
68
98
0
48
28
1
1
94
27
6
4
32
6
19
1
6
6
53
95
5
2
1
50
0no
82
306
1
105
18
0
0
95
26
6
6
20
1
25
2
1
1
6
100
9
1
0
77
0no
73
162
3
110
14
1
0
73
32
6
5
15
3
7
3
2
2
16
-8
5
1
0
67
0no
61
162
4
73
25
0
0
100
-7
7
8
25
4
20
0
2
2
69
60
14
3
7
89
1yes
91
342
42
130
14
0
0
100
-7
7
8
14
0
36
-8
0
0
3
-8
2
2
0
50
0no
65
186
3
40
15
1
1
100
-7
6
8
15
4
20
2
4
4
39
72
7
1
0
67
0no
83
202
10
98
22
3
1
88
34
6
4
25
2
24
1
1
1
6
83
4
2
0
50
0no
71
194
12
69
29
0
0
93
6
4
6
31
0
27
2
2
2
36
69
4
2
1
67
0no
79
162
8
66
28
0
0
90
19
6
6
30
4
50
2
1
1
14
84
4
2
0
75
0no
83
174
11
89
22
0
0
100
-7
7
8
23
1
43
1
1
1
12
79
2
3
0
100
0no
86
242
18
97
14
0
0
100
-7
7
8
14
0
43
-8
0
0
0
38
0
3
0
50
0no
64
223
3
77
21
0
0
100
-7
7
8
21
1
10
0
6
6
93
-8
6
1
3
100
0no
91
396
22
127
18
0
0
100
-7
7
8
18
0
17
-8
0
0
5
-8
1
-8
0
50
0no
65
305
13
90
25
0
0
88
26
6
6
26
0
58
13
0
0
75
69
3
6
2
75
1yes
74
42
10
27
8
0
0
100
-7
7
8
8
2
25
23
1
0
41
76
2
2
1
57
1yes
54
469
22
224
20
2
1
73
1
3
3
23
0
9
0
1
1
8
47
6
2
1
69
1yes
79
209
29
100
22
0
0
100
-7
7
8
22
0
36
-8
0
0
56
38
4
2
2
60
0no
73
134
1
33
3
1
1
86
29
6
3
7
3
29
0
2
2
5
-8
2
1
1
75
1yes
83
140
11
94
17
0
0
94
56
6
6
18
1
76
-8
0
0
30
77
3
3
0
100
0no
57
336
2
86
26
3
2
83
4
0
2
30
2
20
14
1
1
63
55
12
3
2
84
1yes
91
429
59
161
9
0
0
100
-7
7
8
9
0
11
-8
0
0
9
-8
2
-8
0
50
0no
84
140
2
54
8
0
0
100
-7
7
8
9
2
33
3
2
1
10
89
1
3
0
67
0no
64
265
1
50
37
1
1
100
-7
6
8
39
6
26
0
1
1
67
98
7
3
0
100
1yes
82
178
1
78
24
0
0
92
36
6
6
26
4
27
5
1
1
7
100
5
3
0
57
0no
75
349
5
111
33
0
0
94
15
6
6
33
1
48
4
1
1
31
69
6
3
0
77
0no
65
117
7
48
7
1
1
78
36
6
4
9
2
56
7
0
0
54
69
2
3
1
83
0no
73
336
3
126
26
1
0
93
44
6
5
27
3
74
0
4
4
33
20
2
12
0
82
0no