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
55
590
2
185
29
1
0
90
7
4
5
31
4
19
0
1
1
55
-8
10
-8
3
69
1yes
77
229
2
72
28
0
0
100
-7
7
8
33
3
48
0
10
10
30
-8
6
2
2
50
1yes
66
106
2
45
21
0
0
100
-7
7
8
23
3
87
1
1
1
79
94
1
5
1
100
1yes
63
245
3
79
38
0
0
90
11
4
6
41
4
45
8
1
0
38
84
5
4
2
56
1yes
56
41
10
19
8
0
0
88
8
4
6
8
4
50
0
2
2
73
79
2
2
1
80
0no
64
177
8
88
23
0
0
83
10
4
6
24
3
42
0
1
1
28
44
4
3
2
70
0no
75
160
4
57
30
0
0
100
-7
7
8
31
5
55
0
2
2
7
85
3
9
0
86
1yes
83
240
6
94
19
0
0
100
-7
7
8
19
2
47
0
0
0
21
88
3
2
0
83
0no
82
197
11
70
24
0
0
100
-7
7
8
29
1
66
0
0
0
64
81
2
3
0
83
0no
76
138
15
70
16
0
0
100
-7
7
8
17
0
29
0
1
1
49
72
3
2
2
71
1yes
81
168
4
99
13
0
0
71
48
6
6
17
1
65
0
0
0
10
26
1
2
-8
75
0no
63
137
4
56
36
1
1
100
-7
6
8
40
9
55
0
3
3
32
92
7
5
2
75
1yes
67
226
9
62
14
0
0
93
28
6
6
15
3
47
0
0
0
79
-8
4
1
3
83
1yes
68
68
10
33
16
0
0
100
-7
7
8
16
2
13
0
2
2
53
58
5
2
3
64
1yes
57
92
29
65
5
2
2
67
27
6
4
7
0
50
0
1
1
28
-8
2
1
-8
75
1yes
65
142
14
85
9
4
3
82
12
6
3
13
0
64
0
1
1
30
35
2
2
0
100
1yes
81
153
21
63
28
0
0
100
-7
7
8
29
0
34
0
1
1
17
-8
3
1
1
40
0no
77
316
4
85
53
0
0
100
-7
7
8
57
4
21
0
1
1
20
97
10
4
3
50
1yes
70
373
4
101
23
0
0
96
7
4
6
25
4
52
0
5
5
49
100
2
1
0
75
1yes
63
81
2
35
34
0
0
97
-8
6
6
36
6
25
0
6
6
35
74
11
6
2
71
1yes
54
113
2
36
37
0
0
97
8
4
6
38
6
50
0
9
9
59
94
4
5
1
69
1yes
72
221
3
76
13
0
0
100
-7
7
8
13
4
54
0
3
3
75
96
5
4
2
100
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
57
129
4
63
32
0
0
84
23
6
6
32
5
31
0
3
3
82
73
4
4
3
73
1yes
73
373
2
109
27
0
0
97
30
6
6
32
1
34
0
1
1
57
-8
3
1
1
63
1yes
88
433
6
138
21
0
0
96
76
6
6
23
2
74
0
4
4
0
93
2
2
0
57
0no
70
63
2
36
14
0
0
100
-7
7
8
15
4
47
0
1
1
70
-8
4
1
2
71
0no
77
181
4
68
27
1
0
89
30
6
5
28
2
46
0
1
1
4
69
3
2
0
45
0no
71
139
13
68
4
1
0
80
8
3
5
5
0
60
0
1
1
0
93
0
2
-8
67
1yes
78
200
10
74
31
0
0
97
4
4
6
35
1
29
0
0
0
0
61
2
3
0
38
0no
59
195
5
51
17
2
2
84
5
1
2
19
3
53
0
1
1
32
83
2
2
2
75
1yes
57
172
56
116
10
12
12
58
20
0
2
21
0
17
0
0
0
12
-8
2
-8
-8
67
1yes
88
173
3
104
12
0
0
100
-7
7
8
12
1
33
0
1
1
0
-8
1
1
0
25
1yes
80
322
4
103
25
1
0
92
21
6
5
26
1
12
0
0
0
2
-8
2
1
1
33
0no
82
280
13
102
22
0
0
91
26
6
6
23
0
9
0
0
0
3
-8
4
1
1
42
0no
75
142
6
70
16
0
0
100
-7
7
8
18
4
56
0
1
1
67
101
2
2
1
100
0no
65
409
6
72
33
0
0
92
5
4
6
36
3
53
0
0
0
17
58
3
3
2
41
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
63
148
12
93
14
1
0
67
7
4
5
15
0
47
0
1
1
73
34
3
2
0
100
0no
64
133
8
77
16
3
2
76
5
3
4
21
2
29
0
2
2
32
2
6
2
1
80
1yes
62
164
7
64
21
0
0
86
5
4
6
21
1
19
0
0
0
70
52
5
1
1
75
0no
83
192
63
148
7
0
0
100
-7
7
8
7
0
71
0
1
1
-8
-8
-8
1
-8
100
1yes
71
162
6
58
12
1
1
100
-7
6
8
13
2
46
0
2
2
73
42
4
3
1
88
1yes
66
164
8
71
24
1
0
85
0
4
5
27
1
30
0
4
4
17
30
3
6
0
75
1yes
66
143
2
38
8
3
2
90
67
6
2
12
3
30
0
0
0
25
-8
3
1
0
67
1yes
78
353
6
108
50
0
0
98
15
6
6
54
2
31
0
0
0
44
71
8
3
4
55
1yes
56
127
10
46
13
0
0
92
4
4
6
13
1
54
0
1
1
88
75
5
3
2
89
1yes
72
169
8
86
12
3
2
80
12
6
5
17
1
33
0
0
0
1
-8
1
1
0
40
1yes
73
251
3
77
33
0
0
100
-7
7
8
37
3
35
0
2
2
20
62
7
2
2
69
0no
79
322
14
117
32
1
1
100
-7
6
8
34
0
50
0
0
0
0
-8
1
1
0
29
1yes
66
204
6
89
20
0
0
100
-7
7
8
20
1
40
0
1
1
90
100
2
2
1
100
1yes
55
367
2
74
24
0
0
96
8
4
6
26
10
46
0
7
6
77
63
6
4
4
100
1yes
57
164
7
62
16
1
1
72
2
4
3
19
2
47
0
1
1
67
62
5
2
3
100
1yes
84
204
3
91
22
0
0
100
-7
7
8
22
1
32
0
2
2
70
85
3
3
2
55
1yes
76
174
12
77
45
0
0
98
-7
6
7
48
0
40
0
6
6
19
83
2
3
1
38
0no
54
190
6
74
21
0
0
65
1
4
6
23
1
48
0
0
0
94
-8
6
1
2
100
1yes
57
208
4
69
20
0
0
65
3
4
6
20
2
40
0
6
6
70
100
4
3
2
64
1yes
55
174
7
84
35
2
0
73
8
4
5
37
2
38
0
1
1
17
65
3
5
0
62
1yes
74
250
18
81
19
0
0
100
-7
7
8
20
0
20
0
1
1
69
54
6
3
2
69
0no
80
160
7
49
15
0
0
100
-7
7
8
15
1
20
0
1
1
14
-8
2
1
0
30
1yes
86
403
3
131
18
0
0
100
-7
7
8
21
2
24
0
4
4
2
-8
4
-8
0
40
0no
63
149
7
64
22
2
0
85
6
3
5
26
3
54
0
2
2
25
97
1
4
1
63
1yes
81
79
9
45
12
0
0
100
-7
7
8
16
2
44
0
0
0
7
82
3
2
0
56
1yes
77
117
3
55
18
0
0
89
12
6
6
19
1
53
0
3
3
29
65
3
4
0
88
1yes
84
172
8
83
20
0
0
100
-7
7
8
22
1
14
0
1
1
6
-8
3
1
0
67
0no
63
149
3
80
11
2
1
83
8
4
5
12
2
33
0
17
16
27
86
2
3
0
83
1yes
61
187
8
46
26
4
0
88
38
6
5
33
1
36
0
5
5
60
77
7
2
3
75
1yes
68
176
8
96
22
0
0
95
11
4
6
22
1
27
0
0
0
62
17
2
6
1
89
1yes
78
325
3
91
37
0
0
100
-7
7
8
38
3
16
0
1
1
51
72
5
3
2
69
1yes
85
446
11
183
8
0
0
100
-7
7
8
9
1
67
0
0
0
12
69
1
2
-8
75
0no
84
278
10
93
34
0
0
94
18
5
6
34
1
18
0
0
0
9
-8
5
1
0
43
0no
78
274
4
98
5
0
0
100
-7
7
8
6
2
67
0
2
2
0
80
0
2
0
50
0no
74
271
10
76
22
0
0
100
-7
7
8
24
1
46
0
0
0
70
43
8
4
3
100
1yes
61
176
6
83
29
0
0
94
1
4
6
31
2
35
0
0
0
67
22
9
3
3
86
1yes
74
271
4
65
32
0
0
100
-7
7
8
33
8
18
0
1
1
18
-8
4
-8
1
20
1yes
61
172
9
59
22
1
1
96
0
2
4
23
1
30
0
0
0
54
84
7
4
2
92
1yes
65
196
1
54
40
0
0
100
-7
7
8
41
3
22
0
4
3
36
71
12
3
2
63
1yes
73
229
13
122
16
0
0
88
3
4
6
17
0
41
0
0
0
40
56
2
2
0
100
1yes
63
180
14
90
3
1
1
60
21
6
4
5
0
40
0
0
0
-8
85
1
2
-8
100
1yes
69
72
8
44
19
0
0
100
-7
7
8
19
2
47
0
0
0
35
33
4
5
0
69
1yes
58
164
4
62
21
2
1
70
8
4
5
24
4
52
0
5
5
27
94
5
4
0
82
1yes
63
112
5
42
3
1
1
100
-7
6
8
3
2
100
0
2
2
-8
81
-8
2
-8
100
1yes
56
189
1
66
43
0
0
92
6
4
6
49
7
63
0
8
8
46
39
7
3
3
67
1yes
64
330
10
112
8
1
0
67
6
4
5
9
1
33
0
0
0
84
89
4
2
2
75
1yes
72
265
16
154
13
2
1
81
26
5
4
16
0
56
0
1
1
41
83
4
2
0
100
1yes
82
207
21
94
15
0
0
100
-7
5
8
16
0
44
0
1
1
31
59
4
2
0
100
0no
57
209
4
64
34
0
0
91
6
4
6
35
3
37
0
2
2
54
86
9
2
2
69
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
56
189
10
90
27
0
0
69
2
4
6
29
1
31
0
2
2
62
-8
7
1
2
67
1yes
63
184
9
75
22
0
0
95
4
4
6
22
1
18
0
1
1
78
6
8
2
4
79
1yes
70
163
4
78
32
0
0
94
27
6
6
35
1
40
0
2
2
47
47
10
2
0
92
0no
78
111
1
58
19
0
0
100
-7
7
8
22
3
32
0
3
3
11
29
4
2
1
75
0no
63
257
6
90
28
0
0
93
2
4
6
29
4
14
0
5
5
60
87
3
3
1
60
1yes
84
362
11
114
33
0
0
97
25
6
6
35
1
40
0
3
3
1
89
2
2
0
36
1yes
67
247
15
104
8
1
1
78
3
4
4
9
0
33
0
0
0
32
42
3
2
0
83
1yes
62
155
3
70
21
2
0
74
9
4
2
23
2
57
0
5
5
75
93
1
3
1
100
1yes
54
120
7
42
12
0
0
67
2
4
6
12
4
50
0
0
0
77
89
2
4
1
100
1yes
56
165
1
71
1
6
5
75
34
6
5
9
2
50
0
3
3
0
-8
0
1
0
67
1yes
64
60
3
29
4
1
1
100
-7
7
8
5
1
50
0
3
3
76
100
2
2
-8
100
1yes
75
140
7
56
21
0
0
100
-7
7
8
22
1
27
0
1
1
20
63
3
2
1
56
0no