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
68
196
9
79
26
0
0
93
2
4
6
29
1
41
8
0
0
30
50
4
4
1
80
0no
68
180
1
91
9
1
1
82
22
6
3
11
2
9
0
2
2
27
-8
4
-8
1
67
1yes
79
414
8
120
32
0
0
97
17
6
6
33
1
36
12
0
0
27
70
2
2
0
29
0no
66
129
4
53
18
0
0
100
-7
6
7
18
1
61
1
5
5
93
40
3
4
1
100
0no
77
170
1
82
35
1
0
95
27
6
5
37
1
30
0
1
1
29
91
2
3
0
63
0no
89
209
1
96
22
0
0
100
-7
7
8
26
3
38
5
1
1
18
59
2
3
0
71
0no
67
245
5
87
11
0
0
77
2
4
6
14
1
23
2
2
2
28
-8
2
-8
0
40
1yes
66
221
9
85
32
1
1
94
43
6
2
33
2
30
1
2
2
58
25
14
3
6
94
0no
68
42
1
20
13
0
0
100
-7
7
8
16
6
31
0
8
8
39
89
2
4
0
54
1yes
65
137
6
76
22
6
2
73
12
6
4
30
1
60
1
2
2
45
55
3
4
0
100
0no
60
264
8
87
21
3
1
77
7
3
5
26
1
50
4
1
1
12
-8
1
2
0
75
0no
72
141
6
73
22
0
0
100
-7
7
8
22
2
18
4
1
1
59
-8
7
1
1
67
0no
84
260
12
125
15
0
0
100
-7
7
8
15
0
40
5
1
1
29
-8
2
1
0
60
0no
78
281
1
75
33
0
0
100
-7
7
8
36
5
33
2
5
5
24
95
4
3
1
64
0no
76
119
10
51
21
0
0
100
-7
7
8
21
1
33
9
0
0
31
65
1
3
0
80
1yes
82
178
7
70
24
1
0
89
40
6
5
27
2
41
1
2
2
12
84
2
1
0
60
0no
87
128
3
61
5
0
0
100
-7
7
8
5
1
40
0
2
2
0
-8
0
1
0
33
0no
86
174
3
77
22
0
0
95
46
6
6
22
1
23
2
2
2
2
99
1
2
0
50
0no
87
138
6
89
13
0
0
100
-7
7
8
17
1
41
6
0
0
8
-8
2
1
0
75
0no
77
107
3
53
16
0
0
100
-7
7
8
24
4
67
0
4
4
28
61
1
5
0
86
0no
64
193
9
70
17
0
0
94
22
6
6
17
1
24
0
1
1
67
-8
6
1
3
100
1yes
82
368
0
89
23
0
0
96
43
6
6
26
1
54
11
0
0
16
83
2
1
1
38
0no
86
149
3
69
14
0
0
100
-7
7
8
14
2
57
-8
0
0
15
91
1
2
0
43
0no
75
104
2
34
17
0
0
100
-7
7
8
18
3
28
0
2
2
15
95
3
3
1
46
0no
69
138
22
71
8
2
1
80
38
6
5
10
0
70
0
3
3
-8
39
-8
2
-8
100
0no
83
228
2
95
46
0
0
100
-7
7
8
51
3
33
1
1
1
26
100
2
1
1
27
0no
71
160
4
68
31
0
0
100
-7
7
8
31
3
35
1
1
1
61
35
5
3
1
80
0no
90
162
12
99
19
0
0
100
-7
7
8
21
0
52
-8
0
0
3
-8
3
1
0
67
0no
71
196
3
53
27
0
0
96
7
4
6
27
1
22
2
1
1
17
99
4
5
0
60
0no
74
283
17
75
10
2
1
92
38
6
5
13
0
77
2
2
2
49
-8
3
-8
0
100
0no
75
125
10
64
7
0
0
86
6
4
6
7
1
43
10
0
0
5
79
1
2
0
60
1yes
75
224
12
109
29
0
0
94
1
4
6
31
0
35
0
1
1
27
-8
2
1
0
33
0no
76
54
2
28
9
0
0
100
-7
7
8
10
4
20
1
4
4
2
-8
2
1
0
60
0no
70
142
6
70
37
2
1
88
44
6
3
43
1
47
2
1
1
40
79
2
3
1
71
1yes
73
212
7
104
42
0
0
100
-7
7
8
45
3
32
1
2
2
52
83
4
2
4
55
0no
72
181
11
77
22
0
0
96
9
4
6
23
1
48
0
4
4
31
45
3
4
0
78
0no
88
145
5
86
23
0
0
100
-7
7
8
24
1
54
0
1
1
6
96
2
2
0
50
0no
65
199
17
83
9
5
5
100
-7
6
8
9
0
56
22
0
0
88
77
3
2
1
100
1yes
63
103
5
37
29
1
0
90
3
4
5
31
3
37
6
0
0
32
95
8
5
0
57
1yes
70
185
11
75
36
0
0
97
72
6
6
37
1
41
1
3
3
67
60
12
5
5
85
1yes
85
251
10
85
24
0
0
100
-7
7
8
29
1
41
1
1
1
5
-8
3
1
1
42
0no
80
173
54
100
12
0
0
100
-7
7
8
13
0
31
0
3
3
69
43
4
2
1
86
0no
73
277
2
81
32
0
0
92
25
6
6
36
4
36
2
7
6
14
-8
4
3
1
64
0no
75
141
2
83
16
0
0
94
32
6
6
18
1
39
1
2
2
36
53
3
3
1
54
0no
64
252
29
127
3
1
1
100
-7
6
8
3
0
100
-8
0
0
-8
4
-8
1
-8
100
1yes
61
436
4
94
20
2
1
75
0
4
3
24
1
67
4
1
1
0
74
0
4
-8
80
1yes
88
218
5
69
16
0
0
100
-7
7
8
16
1
63
5
1
1
1
-8
2
1
0
50
0no
74
110
10
62
37
0
0
100
-7
7
8
39
1
46
6
0
0
80
99
2
4
2
75
0no
70
243
3
125
31
2
0
88
79
6
5
35
3
18
14
0
0
35
-8
8
1
1
56
1yes
70
460
1
136
38
3
0
91
23
5
5
44
3
50
1
5
5
16
45
8
10
1
75
0no
90
291
12
99
17
0
0
100
-7
7
8
19
0
41
-8
0
0
0
-8
1
1
0
50
0no
67
161
12
81
19
0
0
100
-7
7
8
19
0
58
-8
0
0
90
65
4
3
3
100
0no
90
374
6
99
19
0
0
100
-7
7
8
19
2
74
6
0
0
5
95
1
2
0
60
0no
75
131
1
72
61
1
0
98
59
6
5
63
3
13
6
0
0
4
98
4
2
0
38
0no
80
401
13
155
20
0
0
96
1
4
6
23
0
17
12
0
0
10
-8
2
-8
0
22
0no
54
235
7
79
25
1
0
79
2
3
5
29
2
14
6
0
0
48
62
5
3
3
67
1yes
66
122
0
51
31
0
0
100
-7
7
8
37
6
62
0
17
14
40
68
5
4
2
82
1yes
68
176
10
98
21
0
0
81
44
6
6
21
1
33
10
0
0
76
-8
4
-8
1
80
0no
69
151
32
84
14
1
1
93
3
1
3
15
0
40
-8
1
0
1
21
1
2
0
75
0no
88
133
15
71
35
0
0
100
-7
7
8
37
0
51
0
2
2
8
49
1
2
0
33
1yes
74
139
2
52
11
0
0
92
64
6
6
12
3
42
0
3
3
34
85
1
3
1
44
0no
69
119
2
48
37
0
0
100
-7
7
8
39
7
33
0
7
7
9
99
6
2
0
53
0no
83
216
5
111
28
0
0
100
-7
7
8
30
1
18
4
1
1
0
62
3
1
0
24
0no
72
282
2
75
39
0
0
100
-7
7
8
42
1
10
1
2
2
35
-8
9
-8
3
60
0no
75
385
5
80
52
1
0
98
23
6
5
56
2
41
5
1
1
15
67
9
3
0
54
0no
84
149
6
58
20
0
0
90
24
6
6
21
3
48
6
0
0
3
-8
2
1
0
50
0no
91
325
4
103
23
0
0
100
-7
7
8
26
2
77
3
1
1
4
58
2
5
0
64
1yes
66
498
1
114
43
3
1
90
9
3
3
48
3
31
3
1
1
10
-8
3
1
0
45
0no
69
216
35
100
12
0
0
92
26
6
6
14
0
42
0
2
2
57
-8
3
2
2
100
0no
69
404
28
168
12
1
1
79
7
1
3
15
0
29
8
0
0
55
-8
2
1
1
67
1yes
66
185
8
42
10
0
0
100
-7
7
8
10
2
50
1
5
5
57
86
4
2
2
86
1yes
84
146
12
80
22
0
0
95
46
6
6
22
0
0
1
2
2
0
-8
0
-8
0
0
1yes
66
188
3
80
17
0
0
88
4
4
6
17
3
82
1
3
3
6
95
1
7
-8
89
1yes
60
151
32
79
8
2
0
80
5
3
5
10
0
10
0
0
0
112
-8
3
-8
1
60
1yes
76
315
13
117
35
0
0
97
40
6
6
35
0
17
0
1
1
15
57
10
5
2
53
1yes
70
386
5
92
25
0
0
100
-7
7
8
25
3
56
0
4
4
67
89
4
4
2
89
1yes
88
384
33
224
11
0
0
100
-7
7
8
11
0
9
0
0
0
15
-8
5
-8
0
56
0no
61
76
8
27
8
1
1
100
-7
0
8
9
3
25
0
2
2
74
32
2
2
1
67
1yes
58
136
4
70
22
2
1
70
7
4
3
27
2
30
0
0
0
72
41
3
2
2
54
1yes
81
170
7
72
6
0
0
100
-7
7
8
6
1
0
0
0
0
19
-8
4
-8
1
67
1yes
87
174
1
73
4
0
0
100
-7
7
8
5
2
40
0
1
1
9
-8
1
1
-8
67
0no
58
66
3
36
14
2
2
100
-7
0
8
16
2
64
0
1
1
37
66
4
6
1
100
1yes
84
125
15
81
13
0
0
100
-7
7
8
14
0
36
0
1
1
0
70
0
3
0
38
0no
64
209
3
59
20
0
0
90
15
6
6
20
5
25
0
1
1
90
78
6
4
3
83
1yes
76
182
7
86
22
0
0
100
-7
7
8
23
4
39
0
0
0
31
64
4
4
1
80
0no
61
177
3
101
27
0
0
76
1
4
6
29
2
21
0
0
0
19
-8
7
1
1
62
1yes
85
177
4
63
11
0
0
100
-7
7
8
11
2
27
0
0
0
0
89
2
3
0
56
0no
68
72
5
38
21
0
0
95
20
6
6
22
3
36
0
1
1
47
90
3
5
1
73
1yes
68
165
6
71
21
1
0
65
22
6
5
23
3
65
0
0
0
11
85
1
3
0
57
0no
72
349
8
142
32
0
0
82
28
6
6
34
2
26
0
1
1
1
57
1
4
0
30
0no
65
259
3
97
19
2
1
81
2
3
2
21
2
43
0
4
4
48
100
6
2
1
73
1yes
56
182
26
66
20
2
2
80
3
4
6
21
0
25
0
0
0
42
-8
11
1
3
92
1yes
58
157
10
50
5
0
0
80
5
4
6
5
3
60
0
1
0
-8
83
0
3
-8
75
1yes
60
28
3
17
13
0
0
100
-7
7
8
13
2
38
0
3
3
67
96
5
4
3
75
1yes
64
139
18
68
20
5
2
56
14
6
3
25
0
28
0
0
0
0
68
0
2
0
18
1yes
68
110
5
48
14
0
0
71
23
6
6
14
1
43
0
1
1
30
78
3
2
1
83
0no
70
227
16
96
14
0
0
93
-8
6
6
15
0
40
0
1
1
103
-8
2
1
1
100
0no
56
167
19
86
14
1
0
80
4
4
5
15
0
20
0
0
0
93
25
5
2
1
100
1yes
89
197
33
113
18
0
0
100
-7
7
8
18
0
22
0
1
1
3
-8
2
2
0
57
0no
88
113
25
72
14
0
0
100
-7
7
8
14
0
21
0
0
0
4
-8
1
1
0
25
0no