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
57
168
73
107
8
2
2
89
8
0
6
9
0
44
-7
0
0
-8
-8
-8
-8
-8
-8
1yes
78
144
31
74
11
0
0
100
-7
7
8
11
0
27
-7
0
0
30
-8
2
1
0
60
0no
56
158
1
63
10
1
0
71
1
4
5
14
3
14
-7
1
1
46
-8
6
1
2
100
1yes
66
331
6
94
24
0
0
92
45
6
6
26
7
25
-7
0
0
56
91
6
3
3
64
0no
56
201
7
78
23
0
0
55
1
4
6
31
4
29
-7
4
4
68
-8
10
1
1
73
1yes
88
194
36
95
12
0
0
100
-7
7
8
15
0
53
-7
0
0
3
-8
1
1
0
50
0no
57
137
52
80
3
2
2
33
-7
5
7
3
0
100
-7
0
0
-8
82
-8
2
-8
100
1yes
69
63
1
32
16
0
0
100
-7
6
7
17
3
41
-7
7
7
45
57
5
3
0
80
1yes
54
126
3
26
9
1
1
90
1
4
6
11
2
36
3
2
2
44
76
4
2
1
86
1yes
58
168
6
119
30
0
0
81
4
4
6
31
1
42
-7
0
0
84
68
5
5
4
73
1yes
78
300
8
130
17
1
0
89
13
6
5
18
1
11
-8
0
0
18
-8
5
1
0
55
0no
63
186
3
69
24
2
2
73
13
5
2
30
2
50
0
3
3
8
76
2
3
1
63
1yes
74
215
7
99
28
1
1
97
24
6
2
31
1
42
4
1
1
1
-8
1
1
0
20
0no
54
207
3
69
34
1
0
75
1
3
5
38
6
25
2
2
2
17
80
8
5
1
68
1yes
67
209
2
96
16
3
2
86
23
6
3
22
4
50
1
4
4
42
89
2
2
1
67
1yes
70
137
32
87
18
0
0
95
4
4
6
21
0
15
-8
0
0
10
-8
2
1
0
50
0no
82
161
7
77
58
0
0
98
-8
6
6
58
2
12
1
1
1
6
64
4
3
0
33
0no
66
174
2
59
7
1
1
90
-8
6
6
10
2
30
0
1
1
86
-8
2
-8
1
40
1yes
86
160
7
129
14
0
0
100
-7
7
8
14
1
64
6
0
0
2
91
2
1
0
100
0no
61
61
4
25
23
0
0
96
10
4
6
23
5
52
3
3
3
30
87
6
6
0
100
1yes
70
243
7
80
57
0
0
98
-8
6
6
58
2
43
3
2
2
48
87
10
4
4
74
1yes
77
167
24
110
23
0
0
100
-7
7
8
26
0
31
15
0
0
51
-8
4
-8
1
67
0no
72
260
15
142
22
0
0
100
-7
7
8
23
0
30
0
3
3
90
67
4
1
3
83
1yes
64
242
18
124
16
2
0
47
2
4
5
19
0
74
0
4
4
27
-8
2
3
0
100
1yes
64
242
18
124
16
2
0
47
2
4
5
19
0
74
0
4
4
27
-8
2
3
0
100
1yes
80
224
15
201
20
0
0
100
-7
7
8
20
0
5
0
1
1
38
95
6
1
0
78
0no
68
95
4
42
21
0
0
100
-7
7
8
22
2
14
0
2
2
65
13
3
2
1
83
1yes
56
105
5
43
16
0
0
94
5
4
6
16
1
69
2
2
2
101
84
2
4
1
86
1yes
78
126
7
58
41
0
0
100
-7
7
8
45
2
51
0
2
2
14
75
3
5
0
50
0no
67
167
16
87
12
1
1
75
34
6
6
12
0
33
9
0
0
50
151
3
2
1
71
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
61
232
3
116
37
1
1
88
2
4
4
41
1
20
3
6
4
57
41
13
2
5
79
1yes
62
89
22
61
24
0
0
92
31
6
6
25
0
36
11
0
0
70
-8
4
1
2
63
0no
65
395
1
77
42
0
0
100
-7
7
8
43
4
26
0
3
3
51
94
8
4
4
55
1yes
59
146
5
60
21
0
0
91
2
4
6
22
2
68
0
4
4
34
46
2
4
2
75
1yes
68
260
7
72
21
1
1
96
3
1
3
23
1
39
1
1
1
9
80
5
2
0
70
1yes
84
110
30
67
12
0
0
100
-7
7
8
13
0
23
0
1
1
4
74
2
2
0
80
0no
57
385
9
81
26
0
0
85
2
4
6
28
1
23
8
0
0
73
84
5
2
2
58
1yes
56
370
5
124
28
0
0
84
4
4
6
31
3
16
4
1
1
39
88
11
2
3
54
0no
83
193
4
99
18
0
0
100
-7
7
8
18
1
33
0
1
1
37
-8
3
1
0
80
0no
86
247
6
81
29
0
0
100
-7
7
8
30
6
47
-8
0
0
2
74
3
5
0
53
0no
65
257
1
96
18
0
0
90
64
6
6
21
2
29
5
1
1
81
89
8
3
5
100
1yes
71
-8
5
79
14
0
0
87
7
4
6
15
1
67
15
0
0
58
71
3
3
1
86
0no
49
198
6
95
12
5
2
55
1
4
4
20
2
35
0
2
2
60
-8
6
1
1
78
1yes
85
216
6
66
20
0
0
100
-7
7
8
20
2
45
2
1
1
4
75
3
2
1
45
0no
83
122
6
52
13
0
0
100
-7
7
8
13
1
38
4
1
1
18
-8
2
1
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
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
75
174
9
78
17
1
1
100
-7
6
8
17
1
53
8
0
0
15
64
2
2
0
44
0no
82
172
3
80
38
0
0
100
-7
7
8
41
2
20
4
1
1
5
74
6
2
1
64
0no
55
210
8
60
25
1
0
89
61
6
5
28
2
44
0
4
3
88
97
4
5
3
90
1yes
67
140
12
80
11
0
0
73
17
5
6
11
0
55
12
0
0
87
-8
4
1
3
100
1yes
65
181
51
94
8
5
5
73
36
6
2
11
0
9
4
1
1
47
-8
1
-8
1
33
0no
83
174
9
142
13
0
0
100
-7
7
8
14
1
36
0
3
3
0
82
0
2
0
33
0no
73
248
4
76
24
0
0
88
18
6
6
26
2
28
0
1
1
12
90
4
2
0
64
0no
68
147
5
76
30
2
0
72
40
6
5
32
3
22
1
3
3
48
61
4
2
1
67
1yes
73
223
23
99
22
0
0
91
9
4
6
23
0
35
4
1
1
6
65
6
2
0
80
0no
87
190
16
139
28
0
0
100
-7
7
8
29
0
34
7
0
0
19
-8
3
1
0
50
0no
67
212
4
79
18
0
0
100
-7
7
8
18
5
22
0
3
3
81
30
7
1
5
82
1yes
63
99
4
41
20
0
0
100
-7
7
8
20
2
50
2
2
2
70
88
7
2
4
82
1yes
55
110
20
63
9
2
0
62
11
4
5
13
0
46
0
1
1
92
89
3
2
1
100
1yes
62
166
1
54
38
2
2
95
-8
6
3
44
4
32
1
3
3
80
93
5
2
3
78
1yes
67
14
14
14
2
0
0
100
-7
7
8
2
0
0
3
1
1
82
-8
2
-8
1
100
1yes
69
127
4
59
35
2
1
95
26
6
3
38
4
37
4
2
2
42
87
6
3
2
75
0no
80
51
30
41
9
0
0
100
-7
7
8
9
0
33
8
0
0
18
-8
2
1
1
60
0no
87
229
4
100
22
0
0
100
-7
7
8
25
2
44
1
2
2
16
83
5
2
0
64
0no
65
280
2
69
31
0
0
100
-7
7
8
33
4
6
0
5
5
34
-8
10
1
5
55
1yes
74
306
33
121
35
1
1
97
61
6
3
37
0
19
8
0
0
32
49
11
3
3
75
0no
65
132
3
35
21
0
0
93
-7
5
7
28
4
61
0
6
6
91
-8
7
1
1
89
1yes
79
158
3
54
23
0
0
100
-7
7
8
25
2
38
3
2
2
14
130
1
2
0
50
0no
55
303
4
76
20
1
0
86
0
3
5
21
2
57
4
1
1
44
90
5
3
2
100
0no
77
156
1
73
20
1
0
91
15
6
5
23
4
48
5
1
1
11
64
3
5
0
67
0no
73
41
10
23
7
0
0
100
-7
7
8
7
3
29
0
5
5
17
-8
1
1
1
33
1yes
58
54
3
25
26
0
0
100
-7
7
8
26
5
35
1
8
8
73
97
8
6
5
74
1yes
66
288
13
80
32
0
0
85
2
4
6
33
0
33
12
0
0
43
-8
5
1
1
60
0no
80
146
7
72
40
0
0
100
-7
7
8
43
1
26
2
2
2
29
-8
2
1
0
60
0no
65
201
3
97
26
1
1
85
18
6
6
26
4
38
1
3
3
60
-8
3
2
2
83
1yes
83
213
1
98
14
0
0
93
17
6
6
15
1
27
1
2
2
0
68
0
2
0
50
0no
82
350
10
100
30
0
0
100
-7
7
8
31
1
52
3
1
1
4
58
4
3
0
100
0no
90
313
5
118
25
0
0
100
-7
7
8
27
1
42
22
0
0
2
69
3
3
0
50
0no
83
158
5
74
19
0
0
100
-7
7
8
19
2
47
7
0
0
29
71
4
2
0
86
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
63
329
2
148
27
4
3
85
44
6
4
33
4
33
2
5
5
37
71
7
2
1
82
0no
75
295
5
99
43
0
0
100
-7
7
8
48
3
40
0
1
1
3
-8
5
2
-8
78
0no
81
302
23
145
9
1
0
90
53
6
5
10
0
30
21
0
0
1
75
2
2
0
80
0no
73
263
5
102
37
0
0
100
-7
7
8
57
1
42
0
4
4
11
19
4
4
0
67
0no
51
173
2
81
25
1
0
89
1
3
5
28
2
39
0
2
2
91
54
15
3
11
100
0no
83
130
7
62
15
0
0
100
-7
7
8
15
1
33
6
0
0
13
-8
3
1
0
57
0no
66
287
12
82
25
1
1
85
8
0
2
26
0
23
8
0
0
36
-8
7
1
2
47
1yes
86
142
2
75
18
0
0
100
-7
7
8
19
1
37
10
0
0
2
-8
3
1
0
57
0no
76
157
3
78
26
0
0
100
-7
7
8
27
2
56
2
4
4
26
83
5
3
2
89
0no
79
366
3
94
53
0
0
100
-7
7
8
53
2
23
16
0
0
16
64
5
4
0
39
0no
62
212
32
103
11
1
1
77
9
0
2
13
0
23
-8
0
0
49
-8
5
1
2
89
1yes
55
154
7
68
19
0
0
84
3
4
6
22
2
21
3
1
1
62
-8
4
1
3
56
1yes
61
270
6
81
44
0
0
98
1
4
6
46
3
50
5
0
0
50
85
6
5
3
73
1yes
72
501
1
140
45
0
0
98
4
4
6
49
5
11
0
1
1
4
-8
10
-8
0
37
0no
67
147
2
62
32
1
1
94
7
1
3
34
4
47
7
0
0
34
94
5
4
0
64
0no
73
270
9
86
16
0
0
75
17
5
6
16
1
25
3
2
2
10
6
5
1
0
67
1yes
82
308
8
109
38
0
0
100
-7
7
8
44
2
50
3
1
1
1
84
4
1
1
38
0no
74
288
2
119
13
1
1
82
8
4
4
18
3
41
1
4
4
0
59
2
3
0
83
0no