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
89
257
10
153
27
0
0
100
-7
7
8
28
1
29
-7
2
2
1
57
4
1
0
38
0no
86
172
14
126
20
0
0
100
-7
7
8
21
0
43
-7
0
0
30
66
1
2
0
75
0no
65
177
17
96
6
0
0
43
5
4
6
7
0
57
-7
1
1
31
76
1
2
-8
100
1yes
65
115
8
55
7
2
2
78
67
5
2
9
1
56
-7
0
0
78
77
2
1
1
75
1yes
59
80
3
40
12
1
1
85
2
4
3
13
2
69
-7
2
2
46
74
2
4
-8
100
1yes
63
149
13
49
17
1
1
100
-7
7
8
17
0
6
-7
2
2
58
-8
7
1
3
57
1yes
59
255
14
147
16
1
1
89
1
4
2
19
0
42
-7
1
1
59
-8
2
2
0
100
1yes
63
79
10
30
10
0
0
100
-7
7
8
10
1
30
-7
0
0
88
70
4
2
2
100
1yes
78
191
51
120
8
1
0
50
10
4
5
12
0
25
-7
1
1
0
-8
1
1
0
50
1yes
72
212
2
57
16
0
0
100
-7
7
8
17
2
35
-7
0
0
69
52
5
3
4
67
0no
61
128
11
60
11
4
3
73
42
6
2
15
1
60
-7
3
3
47
91
1
5
0
86
1yes
71
124
6
64
25
0
0
96
-7
5
7
27
2
19
-7
1
1
49
-8
5
1
1
50
0no
82
225
9
86
41
0
0
98
32
6
6
45
1
38
-7
0
0
19
76
2
3
0
78
0no
63
75
11
50
31
1
0
97
17
6
5
32
1
22
-7
2
2
18
-8
9
1
1
69
1yes
62
194
13
96
19
2
2
80
6
4
2
20
0
30
-7
3
0
92
-8
8
1
4
91
1yes
77
191
8
97
11
0
0
86
45
6
6
14
1
50
-7
0
0
43
-8
2
1
0
100
0no
62
171
5
92
52
1
0
90
4
3
5
58
2
47
-7
0
0
28
32
7
7
0
78
1yes
72
73
11
36
7
0
0
100
-7
7
8
7
1
57
-7
1
1
45
63
1
3
1
80
1yes
60
-8
8
88
55
0
0
95
10
4
6
59
3
34
-7
1
1
54
59
6
4
3
61
0no
85
168
9
72
41
0
0
100
-7
6
7
44
1
41
-7
2
2
3
56
3
2
0
42
0no
82
212
22
115
14
0
0
100
-7
7
8
15
0
33
-7
0
0
45
-8
4
2
0
75
0no
84
200
4
103
27
0
0
100
-7
7
8
29
1
21
-7
3
3
7
92
2
2
1
55
0no
75
312
5
78
26
1
1
100
-7
7
8
26
4
31
-7
4
4
10
36
3
2
0
56
1yes
67
74
2
35
12
0
0
92
10
4
6
13
3
31
-7
7
7
23
-8
5
1
0
75
0no
56
120
5
54
31
1
1
97
7
4
6
36
2
54
-7
1
1
65
67
7
4
2
69
1yes
62
42
2
23
12
0
0
86
12
5
6
14
3
21
-7
3
3
43
81
7
2
0
90
1yes
57
246
3
78
16
2
2
94
9
4
6
24
2
31
-7
0
0
85
39
6
2
3
89
1yes
70
148
2
79
18
0
0
90
26
6
6
21
1
38
-7
3
2
38
100
2
2
2
63
1yes
59
15
4
9
8
0
0
100
-7
7
8
8
6
25
-7
1
1
66
83
2
2
2
63
1yes
71
183
7
62
6
1
1
86
73
6
3
7
2
29
-7
2
2
73
-8
4
-8
2
100
1yes
65
249
13
134
8
10
9
57
6
4
2
14
0
57
-7
2
2
0
88
0
1
-8
67
1yes
62
134
1
68
43
1
1
98
2
1
3
48
5
19
-7
0
0
17
66
3
2
1
29
1yes
70
62
1
31
24
0
0
100
-7
7
8
28
6
29
-7
12
12
34
88
3
8
1
85
1yes
83
108
11
58
19
0
0
90
12
6
6
20
1
5
-7
0
0
0
-8
2
1
0
50
1yes
84
169
14
81
20
0
0
100
-7
7
8
20
0
35
-7
1
1
17
-8
1
4
0
56
0no
78
134
15
44
7
0
0
100
-7
7
8
7
0
57
-7
0
0
-8
-8
-8
1
-8
100
0no
75
31
8
15
5
0
0
100
-7
7
8
5
3
20
-7
1
1
12
-8
3
1
0
100
1yes
69
140
4
60
21
0
0
100
-7
7
8
22
5
55
-7
3
3
70
-8
6
1
1
88
1yes
75
197
7
55
14
0
0
100
-7
7
8
14
1
36
-7
0
0
70
45
3
2
1
100
0no
85
336
11
124
17
0
0
100
-7
7
8
17
1
35
-7
0
0
1
87
2
2
0
44
0no
70
214
21
148
16
7
7
88
15
0
6
17
0
35
-7
0
0
28
-8
4
1
0
63
1yes
73
164
17
87
20
1
0
91
23
6
5
22
0
50
-7
2
2
35
-8
2
1
0
43
0no
86
236
2
71
25
0
0
100
-7
7
8
30
3
33
-7
1
1
12
88
4
2
0
60
0no
57
291
4
103
9
4
2
43
1
0
2
14
1
14
-7
6
6
43
-8
3
1
1
67
1yes
86
193
8
73
25
0
0
100
-7
7
8
25
3
32
-7
1
1
3
-8
3
1
0
50
0no
77
170
10
84
25
0
0
100
-7
7
8
26
1
12
-7
2
2
58
46
3
1
2
50
0no
77
267
1
89
33
0
0
94
45
6
6
35
4
29
-7
0
0
4
47
7
2
1
50
0no
86
140
2
67
53
0
0
100
-7
7
8
55
3
16
-7
4
3
5
57
2
2
0
29
1yes
69
66
8
32
14
1
1
93
9
0
2
15
4
53
-7
0
0
9
86
2
3
1
78
1yes
88
238
5
71
16
0
0
100
-7
7
8
20
2
45
-7
3
3
7
-8
3
-8
0
50
0no
65
250
3
70
25
2
1
96
22
6
5
26
2
35
-7
4
4
45
53
7
3
0
83
1yes
67
194
2
75
24
0
0
100
-7
7
8
27
1
41
-7
1
1
87
100
9
2
6
85
1yes
63
137
5
70
10
4
4
92
6
0
2
13
1
75
-7
1
1
68
90
1
3
0
100
1yes
58
22
2
8
4
0
0
100
-7
7
8
6
5
50
-7
2
2
101
76
1
3
1
100
1yes
74
181
1
65
61
0
0
100
-7
6
7
65
5
35
-7
0
0
12
80
9
6
2
58
1yes
89
184
9
126
20
0
0
100
-7
7
8
22
1
18
-7
2
2
7
-8
2
-8
0
33
0no
73
103
20
70
6
0
0
71
48
6
6
7
0
29
-7
0
0
34
-8
1
-8
0
100
0no
65
35
10
19
6
0
0
100
-7
7
8
6
2
17
-7
3
3
76
-8
5
1
2
100
1yes
58
136
16
63
23
0
0
83
9
4
6
24
0
54
-7
0
0
75
84
3
2
2
83
1yes
82
235
24
123
30
0
0
100
-7
6
7
32
0
38
-7
0
0
36
-8
3
1
0
100
0no
57
129
29
74
12
17
16
30
6
1
3
30
0
73
-7
0
0
26
47
2
9
0
92
1yes
82
165
3
61
50
0
0
100
-7
7
8
51
4
47
-7
3
2
18
62
3
9
0
75
0no
75
234
6
104
31
0
0
97
18
6
6
34
3
18
-7
2
2
44
-8
4
1
3
50
1yes
72
111
6
79
9
2
2
92
23
5
2
24
1
67
-7
0
0
39
-8
4
-8
2
83
1yes
61
254
14
112
13
0
0
94
7
4
6
16
0
44
-7
4
3
63
77
5
5
3
91
1yes
73
136
18
63
36
0
0
100
-7
7
8
36
0
19
-7
0
0
38
-8
14
1
3
79
1yes
87
195
70
207
20
0
0
100
-7
7
8
21
0
29
-7
0
0
11
-8
2
-8
0
50
0no
71
167
31
84
21
0
0
96
37
6
6
23
0
13
-7
0
0
55
-8
5
1
3
60
0no
74
225
5
95
32
0
0
94
19
6
6
32
2
56
-7
1
1
41
90
6
5
0
92
0no
69
198
3
111
21
1
1
100
-7
0
8
23
3
26
-7
1
1
5
-8
2
2
0
57
1yes
56
34
15
27
2
2
2
67
38
6
2
3
0
100
-7
0
0
-8
47
-8
2
-8
100
1yes
56
53
18
114
3
1
1
75
0
0
2
4
0
0
-7
0
0
101
-8
4
-8
2
100
1yes
73
251
3
105
33
0
0
85
26
6
6
33
3
24
-7
0
0
22
-8
7
1
0
53
1yes
70
88
7
42
14
1
1
93
25
6
2
16
2
67
-7
2
2
38
63
2
5
-8
88
1yes
55
47
7
23
13
0
0
77
7
4
6
13
2
62
-7
0
0
93
91
2
3
2
75
1yes
85
140
6
84
14
0
0
100
-7
7
8
14
1
29
-7
0
0
6
62
2
2
0
57
0no
80
93
5
45
6
0
0
100
-7
7
8
6
2
50
-7
9
7
7
83
1
1
0
67
1yes
87
205
20
102
14
0
0
100
-7
7
8
18
0
56
-7
0
0
5
74
2
2
0
67
0no
89
235
9
94
22
0
0
100
-7
7
8
25
1
16
-7
0
0
8
-8
3
-8
0
43
0no
80
248
9
141
27
0
0
100
-7
7
8
30
1
30
-7
1
1
23
91
2
3
1
56
0no
83
92
2
41
18
0
0
100
-7
7
8
19
7
32
-7
0
0
13
92
7
2
0
69
1yes
71
96
32
60
9
1
1
100
-7
6
7
9
0
11
-7
0
0
48
-8
2
-8
0
100
0no
58
74
9
28
14
0
0
93
6
4
6
15
1
67
-7
3
3
88
44
2
5
2
78
1yes
72
117
1
49
9
0
0
100
-7
7
8
11
4
27
-7
0
0
55
-8
5
1
2
86
0no
89
261
11
105
60
0
0
100
-7
7
8
64
1
27
-7
0
0
0
-8
3
3
0
21
0no
63
193
3
66
24
0
0
83
7
4
6
24
2
8
-7
0
0
70
100
5
1
2
78
0no
88
161
38
66
11
0
0
100
-7
7
8
12
0
25
-7
0
0
7
-8
1
-8
0
33
0no
69
77
3
44
18
3
1
85
25
6
5
21
3
10
-7
1
1
1
97
3
1
0
33
0no
65
190
12
73
19
2
1
91
34
6
3
22
0
59
-7
1
1
92
85
4
4
3
89
1yes
79
255
14
99
29
0
0
97
-8
6
6
33
0
67
-7
0
0
70
60
2
3
0
71
1yes
76
333
8
145
15
1
1
94
70
6
4
16
2
19
-7
4
4
32
-8
2
-8
0
50
0no
72
194
2
100
43
0
0
100
-7
7
8
48
1
29
-7
0
0
34
61
8
3
3
72
0no
72
156
12
48
10
0
0
90
79
6
6
10
0
30
-7
2
2
41
65
4
1
0
86
0no
62
437
10
154
15
1
0
67
4
4
5
18
1
11
-7
1
1
27
-8
7
1
1
69
0no
72
174
4
96
8
1
1
70
53
6
4
10
1
50
-7
2
2
33
-8
2
1
0
75
0no
76
152
2
65
26
0
0
97
-7
5
7
29
4
34
-7
4
4
25
56
6
5
0
81
1yes
61
143
4
103
2
2
2
25
35
6
2
4
1
50
-7
2
2
-8
-8
-8
1
-8
100
1yes
72
164
2
67
38
0
0
100
-7
7
8
42
8
19
-7
1
1
55
-8
7
-8
3
67
1yes
85
192
2
86
25
0
0
100
-7
7
8
29
2
41
-7
1
1
28
68
2
3
0
63
0no
74
193
1
91
19
0
0
100
-7
7
8
22
2
18
-7
1
1
90
79
6
2
4
73
1yes