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
83
81
10
43
14
0
0
100
-7
7
8
14
1
43
19
0
0
17
87
6
2
0
100
0no
83
195
4
94
18
0
0
100
-7
7
8
18
2
28
4
1
1
25
56
2
2
0
44
1yes
79
348
5
89
27
0
0
100
-7
7
8
27
2
11
4
1
1
29
-8
5
1
0
50
1yes
85
207
3
63
21
0
0
100
-7
7
8
21
1
29
4
1
1
9
70
3
2
0
45
0no
86
293
3
90
18
0
0
100
-7
6
7
18
1
44
2
1
1
2
100
4
2
0
86
0no
83
375
18
143
13
0
0
92
35
6
6
13
0
15
-8
0
0
6
-8
1
-8
0
33
0no
73
211
3
116
23
0
0
92
48
6
6
24
1
13
0
6
6
41
-8
8
1
2
64
0no
72
198
10
50
10
1
1
91
64
6
2
11
1
18
2
3
3
47
-8
3
1
0
100
0no
73
174
3
63
13
1
0
86
18
6
5
14
2
36
3
2
2
24
-8
2
1
0
75
1yes
90
240
20
123
19
0
0
100
-7
7
8
21
0
19
-8
0
0
3
-8
2
1
0
50
0no
75
278
75
123
6
0
0
83
20
6
6
6
0
17
0
1
1
7
-8
2
-8
-8
75
0no
78
92
7
35
13
0
0
100
-7
7
8
13
1
8
7
0
0
19
-8
5
1
0
55
0no
84
145
3
54
15
0
0
100
-7
7
8
15
1
27
6
0
0
13
60
1
3
0
40
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
178
5
80
18
0
0
100
-7
7
8
18
3
39
4
2
2
24
-8
4
1
0
71
0no
85
150
7
68
19
0
0
100
-7
7
8
19
1
58
-8
0
0
19
55
2
6
0
80
0no
84
204
5
58
24
0
0
100
-7
7
8
26
5
38
1
2
1
2
96
4
2
0
46
0no
60
168
1
57
17
0
0
95
0
4
6
22
7
23
0
6
6
30
100
4
3
2
47
1yes
88
277
10
127
24
0
0
100
-7
7
8
25
1
40
12
0
0
2
86
3
2
0
45
0no
73
192
4
60
19
0
0
95
40
6
6
19
3
42
0
2
2
29
95
4
3
2
88
1yes
70
214
3
80
52
0
0
96
62
6
6
52
3
35
0
5
5
13
17
10
3
2
62
0no
75
337
10
151
12
1
1
92
26
6
2
13
1
38
19
0
0
0
-8
0
-8
0
0
0no
77
237
5
78
27
0
0
100
-7
7
8
27
2
11
15
0
0
35
-8
5
1
2
67
0no
84
269
13
146
29
0
0
97
56
6
6
31
0
39
0
2
2
0
64
3
1
0
36
0no
90
292
4
102
13
0
0
100
-7
7
8
13
1
15
7
0
0
0
-8
0
1
0
13
1yes
58
100
14
62
33
1
1
94
2
4
6
34
0
35
1
3
3
44
99
5
3
2
73
1yes
69
240
8
89
12
1
1
100
-7
6
8
14
1
36
7
1
1
23
54
3
1
0
67
0no
82
495
3
92
29
0
0
100
-7
7
8
29
4
24
5
0
0
9
-8
5
2
0
35
1yes
79
212
4
96
18
0
0
100
-7
7
8
18
1
28
5
0
0
62
34
2
2
1
56
0no
74
319
14
115
41
0
0
90
9
4
6
43
0
24
16
0
0
23
-8
10
1
0
52
0no
71
216
27
70
16
0
0
94
20
6
6
17
0
13
7
0
0
75
-8
2
1
1
60
0no
81
183
11
69
23
0
0
96
15
6
6
23
2
17
10
0
0
1
-8
3
2
0
33
0no
77
265
4
84
23
1
0
80
8
4
5
25
4
20
4
1
1
2
-8
3
1
0
36
1yes
64
209
15
62
43
0
0
100
-7
7
8
43
0
47
3
2
2
91
47
3
2
2
63
0no
80
98
1
40
28
0
0
100
-7
7
8
30
5
27
1
1
1
3
84
3
3
0
40
0no
61
232
6
77
9
1
0
64
15
6
5
11
4
36
4
1
1
76
-8
2
1
1
60
1yes
65
65
6
44
16
1
1
100
-7
6
8
16
1
19
7
0
0
35
-8
4
1
0
71
0no
77
76
7
31
8
0
0
100
-7
7
8
8
1
50
0
2
2
32
95
3
3
0
100
1yes
81
330
1
102
38
0
0
95
18
6
6
40
3
18
1
2
2
3
76
2
2
0
20
0no
74
455
4
194
20
0
0
95
43
6
6
20
2
25
6
0
0
43
96
7
3
1
71
1yes
71
191
6
74
33
2
1
91
1
0
2
35
3
17
0
2
2
29
89
4
2
1
50
1yes
68
223
11
86
20
0
0
91
41
6
6
22
1
50
1
3
3
83
37
3
8
2
79
1yes
77
217
19
97
13
0
0
92
46
6
6
13
0
23
0
3
3
29
-8
1
-8
0
20
1yes
70
341
26
107
17
3
3
75
6
0
2
20
0
10
0
2
1
9
-8
3
1
0
40
1yes
70
166
14
82
26
1
0
79
17
6
5
28
0
29
1
1
1
42
87
7
2
0
45
1yes
79
134
1
59
32
0
0
100
-7
7
8
39
6
41
0
4
4
14
95
2
4
1
40
1yes
66
255
13
54
11
1
1
100
-7
6
8
11
0
18
0
0
0
83
-8
6
1
3
78
1yes
62
154
6
84
11
1
0
92
1
3
5
12
1
25
0
2
2
5
93
1
2
0
75
1yes
54
366
5
74
27
0
0
93
3
4
6
27
2
4
0
1
1
87
-8
9
-8
5
100
1yes
66
266
6
113
3
4
4
100
-7
6
8
3
1
33
0
0
0
91
-8
2
-8
1
100
1yes
70
191
6
65
12
2
1
73
26
6
4
16
2
40
0
0
0
7
-8
2
-8
0
67
0no
72
85
8
43
11
0
0
100
-7
7
8
11
2
0
0
1
1
57
-8
3
-8
2
33
0no
81
261
4
67
22
0
0
100
-7
7
8
24
2
33
0
1
1
29
68
3
3
1
50
1yes
56
247
6
76
16
4
0
67
4
3
5
21
2
62
0
2
2
64
82
6
10
2
100
1yes
65
120
16
68
21
0
0
81
20
6
6
21
0
10
0
1
1
35
-8
8
-8
1
80
0no
58
194
5
83
23
1
1
85
2
2
4
26
2
35
0
0
0
72
95
9
2
3
92
1yes
63
76
5
40
20
1
1
86
-8
5
6
22
2
27
0
2
1
94
45
14
3
1
100
1yes
82
273
30
141
15
1
0
94
36
6
5
17
0
29
0
1
0
6
-8
2
1
0
57
1yes
59
164
5
56
30
0
0
87
2
4
6
31
2
39
0
2
2
72
96
4
3
2
88
1yes
72
131
9
69
28
2
0
92
23
6
5
38
2
47
0
2
2
18
66
2
5
-8
88
1yes
65
163
10
66
46
0
0
96
-7
5
7
47
1
34
0
3
3
65
29
16
3
7
95
1yes
78
72
7
44
22
0
0
100
-7
7
8
24
2
75
0
0
0
14
71
2
8
0
83
1yes
71
190
7
85
23
0
0
96
5
4
6
23
3
22
0
0
0
31
-8
5
1
0
60
0no
80
125
4
55
26
0
0
100
-7
7
8
26
3
23
0
0
0
4
31
4
2
0
58
0no
67
158
12
86
11
4
2
60
40
6
3
15
0
60
0
0
0
60
61
2
4
1
86
1yes
60
47
6
22
16
0
0
100
-7
7
8
16
4
19
0
1
1
84
48
7
2
1
64
1yes
71
60
9
29
12
1
1
92
44
6
6
12
2
75
0
2
1
0
59
0
2
-8
75
1yes
75
159
6
82
11
1
1
92
78
6
3
13
3
38
0
0
0
40
76
3
1
0
100
1yes
71
218
3
94
10
2
2
100
-7
6
8
10
1
10
0
0
0
57
-8
4
1
2
83
0no
76
208
3
61
19
0
0
95
22
6
6
21
3
38
0
2
2
21
68
5
4
1
67
1yes
69
44
18
37
4
0
0
100
-7
7
8
4
0
25
0
3
3
95
-8
3
-8
1
100
1yes
74
411
13
89
49
0
0
100
-7
7
8
50
0
64
0
1
1
43
55
7
7
1
83
1yes
60
232
8
92
31
0
0
76
1
4
6
34
1
35
0
1
1
53
49
10
2
2
75
1yes
75
169
2
51
10
0
0
100
-7
7
8
13
3
77
0
2
2
19
78
1
4
0
100
1yes
89
219
2
75
11
0
0
100
-7
7
8
12
1
17
0
0
0
4
-8
3
1
0
57
0no
70
132
1
41
21
0
0
100
-7
7
8
23
9
22
-7
3
3
50
99
3
1
1
50
1yes
68
130
5
72
16
1
0
89
5
3
5
21
1
47
-7
1
1
35
-8
3
-8
0
43
1yes
68
143
2
64
36
3
2
86
36
6
4
42
7
69
-7
4
4
42
77
4
3
1
88
1yes
69
141
4
49
27
0
0
100
-7
7
8
28
2
33
-7
0
0
24
56
6
3
1
64
0no
66
256
7
156
42
1
1
80
22
5
4
46
2
43
-7
1
1
36
61
4
4
2
48
1yes
61
129
7
54
24
0
0
100
-7
7
8
24
3
17
-7
2
2
31
86
10
2
4
92
1yes
59
155
7
47
40
0
0
90
2
4
6
42
3
67
-7
3
3
58
68
6
11
1
94
1yes
66
167
11
63
42
0
0
100
-7
7
8
42
1
55
-7
0
0
67
76
6
3
2
82
0no
75
194
2
78
12
0
0
100
-7
7
8
13
2
62
-7
1
1
97
86
4
3
3
100
1yes
89
162
8
82
19
0
0
100
-7
7
8
21
2
24
-7
1
1
3
-8
1
1
0
33
0no
72
241
4
64
14
0
0
100
-7
7
8
15
3
43
-7
1
1
69
96
3
2
2
100
1yes
64
145
2
54
28
0
0
100
-7
7
8
29
5
66
-7
4
3
74
59
5
4
2
82
1yes
71
172
1
64
17
0
0
89
22
6
6
18
1
33
3
1
1
46
64
7
2
2
75
1yes
89
210
5
96
23
0
0
100
-7
7
8
24
1
21
15
0
0
3
-8
4
1
0
56
0no
81
206
1
103
30
0
0
100
-7
6
7
34
4
52
5
0
0
16
93
4
7
1
61
0no
78
75
4
35
13
0
0
100
-7
7
8
14
2
50
4
1
1
37
73
4
3
0
78
1yes
68
191
7
67
25
1
1
89
20
6
3
32
2
22
15
1
0
51
44
9
2
5
73
0no
71
179
7
82
24
0
0
96
53
6
6
24
1
38
16
0
0
68
62
9
2
6
85
1yes
61
234
5
86
20
0
0
68
2
4
6
25
2
68
6
0
0
91
53
3
6
2
82
0no
57
85
5
40
18
1
1
89
-8
5
6
18
1
67
0
2
2
75
82
4
3
1
100
1yes
75
176
35
107
24
0
0
96
29
6
6
24
0
25
0
2
2
15
-8
4
2
0
60
0no
63
152
2
58
30
0
0
91
71
5
6
32
5
44
0
4
4
67
57
5
5
2
91
0no
84
115
16
58
8
0
0
100
-7
7
8
9
0
44
-8
0
0
27
-8
2
-8
0
50
0no
84
172
3
72
39
0
0
100
-7
7
8
42
2
43
18
0
0
1
98
3
3
0
55
0no
88
208
3
80
20
0
0
100
-7
7
8
20
3
25
-8
0
0
8
74
3
2
0
50
0no