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
124
8
51
17
0
0
100
-7
7
8
17
1
47
0
2
2
72
73
2
2
2
80
1yes
86
327
8
109
18
0
0
100
-7
7
8
18
1
28
0
0
0
18
-8
2
1
0
43
0no
90
427
1
133
6
0
0
100
-7
7
8
7
1
0
0
1
1
5
-8
5
-8
0
71
1yes
58
164
2
88
17
3
3
86
4
4
4
24
2
41
0
4
4
24
59
4
3
-8
78
1yes
61
178
1
45
48
0
0
100
-7
7
8
49
8
20
0
2
2
32
-8
11
3
4
52
0no
86
186
2
77
24
0
0
100
-7
7
8
25
1
20
0
0
0
9
-8
2
1
0
21
0no
71
155
2
51
18
0
0
81
16
6
6
21
2
24
0
4
3
24
98
3
3
0
46
1yes
54
257
48
113
9
1
1
50
1
4
6
11
0
10
0
1
1
79
-8
6
-8
1
88
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
82
244
34
120
12
0
0
92
20
6
6
12
0
33
0
0
0
13
-8
1
1
-8
50
0no
75
282
2
59
22
0
0
87
21
6
6
23
2
30
0
1
1
17
69
6
3
0
60
1yes
71
310
1
123
21
0
0
96
71
6
6
23
3
26
0
3
3
73
70
5
2
1
58
0no
71
322
5
81
42
0
0
98
65
6
6
42
5
19
0
4
4
14
77
11
4
3
50
1yes
88
191
12
114
22
0
0
100
-7
7
8
22
0
0
0
0
0
10
-8
2
-8
0
14
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
66
15
6
11
2
0
0
100
-7
7
8
2
1
100
0
0
0
-8
-8
-8
1
-8
100
1yes
77
187
4
59
19
0
0
95
72
6
6
19
1
58
0
3
3
14
70
2
3
0
56
0no
69
142
3
74
47
0
0
100
-7
7
8
47
1
32
0
7
7
32
80
15
4
1
71
0no
58
113
6
57
21
0
0
71
6
4
6
21
4
52
0
0
0
84
67
7
2
1
90
1yes
63
98
5
37
14
1
0
93
77
6
5
15
4
33
0
0
0
74
-8
4
1
2
83
1yes
61
67
25
56
10
1
0
42
0
4
5
12
0
17
0
0
0
67
-8
5
1
1
75
1yes
67
267
15
70
36
0
0
100
-7
7
8
36
0
36
0
5
5
50
-8
6
1
3
44
0no
81
109
7
61
12
0
0
100
-7
7
8
12
2
67
0
1
1
8
82
1
8
0
82
1yes
82
297
38
130
11
0
0
100
-7
7
8
11
0
18
0
0
0
32
-8
4
1
1
56
0no
72
325
4
97
15
1
0
82
11
3
5
17
1
47
0
0
0
21
64
5
3
2
67
1yes
71
358
9
97
39
0
0
100
-7
7
8
39
1
10
0
0
0
29
2
7
2
2
37
1yes
62
181
6
52
21
0
0
100
-7
7
8
21
2
38
0
2
2
81
74
4
4
2
62
1yes
78
146
14
78
10
1
0
82
37
6
5
11
0
27
0
0
0
30
-8
5
1
0
67
0no
66
175
2
39
15
0
0
84
2
4
6
19
5
21
0
3
3
9
45
5
3
0
57
1yes
71
128
3
68
12
1
1
85
27
6
3
13
3
23
0
0
0
80
99
6
2
1
80
1yes
80
163
9
76
16
0
0
100
-7
7
8
16
1
38
0
0
0
14
72
3
3
1
75
0no
68
21
13
16
3
0
0
67
3
4
6
3
0
67
0
0
0
0
76
0
2
0
67
1yes
91
356
42
143
9
0
0
100
-7
7
8
9
0
22
0
0
0
7
-8
1
1
0
40
0no
85
314
32
110
12
0
0
100
-7
7
8
12
0
42
0
0
0
24
48
4
2
-8
100
0no
72
317
3
62
34
0
0
94
16
6
6
35
4
6
0
1
1
18
-8
4
1
1
42
0no
79
156
156
156
1
0
0
100
-7
7
8
1
0
100
0
0
0
-8
-8
-8
1
-8
100
1yes
72
139
5
50
37
2
2
95
39
6
3
42
5
27
0
6
6
12
95
4
3
0
36
1yes
74
213
18
97
20
1
1
90
5
2
4
21
0
29
0
2
1
14
65
3
2
0
50
0no
83
186
9
79
25
0
0
100
-7
7
8
25
1
20
0
1
1
15
-8
3
1
0
57
1yes
80
314
3
89
18
0
0
100
-7
7
8
18
1
17
0
0
0
10
-8
10
1
1
73
1yes
69
280
11
125
16
1
1
88
6
0
2
17
1
24
0
0
0
45
64
4
2
0
43
1yes
71
139
5
63
29
0
0
93
50
6
6
29
3
66
0
0
0
52
50
3
5
1
67
1yes
62
396
10
195
4
1
1
75
58
6
6
4
1
0
0
1
1
96
-8
2
-8
1
100
1yes
69
161
8
96
41
0
0
100
-7
7
8
46
1
18
0
2
2
26
85
8
3
3
48
1yes
64
107
6
38
10
2
2
83
41
6
2
12
4
25
0
1
1
42
90
4
2
1
75
1yes
62
144
2
43
22
0
0
100
-7
7
8
23
3
35
0
1
1
74
41
6
4
3
71
1yes
59
129
15
75
2
1
1
50
6
4
4
4
0
50
0
0
0
58
65
1
2
-8
100
1yes
68
119
5
66
13
3
2
80
15
6
3
15
1
27
0
0
0
10
94
3
3
1
50
1yes
79
421
3
66
15
0
0
100
-7
7
8
15
1
40
0
0
0
46
63
2
2
2
50
0no
70
269
2
70
10
3
3
85
70
6
4
13
3
15
0
1
0
24
91
7
1
0
90
0no
57
193
5
75
20
0
0
81
6
4
6
21
1
52
0
1
1
72
57
8
2
3
100
1yes
76
219
2
66
22
0
0
100
-7
7
8
24
2
25
0
0
0
24
92
3
3
1
35
0no
88
267
4
79
19
0
0
100
-7
7
8
19
1
0
0
1
1
5
-8
4
-8
0
29
0no
74
445
7
147
15
0
0
100
-7
7
8
16
1
13
0
1
1
36
-8
10
1
2
92
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
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
86
257
14
126
25
0
0
100
-7
7
8
25
0
8
0
0
0
18
-8
5
1
0
40
0no
72
137
3
78
14
1
1
63
14
6
3
16
2
25
0
3
3
1
-8
1
1
0
38
1yes
90
184
71
106
4
0
0
100
-7
7
8
4
0
50
0
0
0
0
-8
0
1
0
50
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
36
377
1
113
10
7
2
63
0
0
5
17
2
19
0
0
0
59
78
8
3
2
85
1yes
65
155
1
89
6
1
0
78
8
4
5
9
1
33
0
4
4
50
74
1
3
0
67
0no
58
162
15
68
7
2
2
75
19
0
2
8
0
63
0
1
1
0
-8
0
1
0
33
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
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
74
273
5
73
39
0
0
98
5
4
6
40
3
43
0
1
0
3
138
2
7
0
45
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
58
101
8
52
33
0
0
100
-7
7
8
34
3
15
0
0
0
96
65
13
3
8
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
1yes
63
282
2
112
20
0
0
71
12
6
6
21
1
29
0
1
0
51
-8
7
2
3
77
1yes
68
269
12
115
18
0
0
89
54
6
6
18
0
28
0
0
0
68
84
9
1
4
83
0no
73
376
7
166
17
2
2
89
30
6
4
19
1
32
0
0
0
82
-8
8
1
2
100
1yes
73
482
7
74
32
1
1
97
21
6
2
34
3
21
0
1
1
24
-8
8
1
1
56
1yes
82
274
21
123
11
0
0
100
-7
7
8
11
0
9
0
0
0
20
-8
4
1
1
56
1yes
82
123
3
38
10
0
0
100
-7
7
8
10
2
40
0
3
3
6
-8
2
1
0
60
0no
72
134
5
31
7
0
0
86
9
4
6
7
3
0
0
3
3
19
-8
1
-8
0
20
1yes
81
190
8
82
22
0
0
95
-8
6
6
22
3
27
0
0
0
17
49
2
2
0
44
1yes
61
194
6
69
22
1
1
74
9
6
4
23
5
22
0
0
0
44
84
5
3
3
57
1yes
63
88
7
56
5
2
2
83
53
6
2
6
1
50
0
2
2
97
-8
2
1
1
75
1yes
71
145
2
64
15
1
1
88
36
6
2
17
3
53
0
0
0
24
72
3
5
0
67
1yes
80
388
15
88
41
0
0
100
-7
7
8
42
0
14
0
2
1
16
72
12
2
0
74
0no
57
173
5
68
7
3
1
60
7
0
5
11
2
40
0
0
0
29
-8
3
-8
1
60
0no
72
15
3
9
2
0
0
100
-7
7
8
2
1
50
0
10
10
26
87
1
1
0
100
1yes
88
209
19
71
5
0
0
100
-7
7
8
5
0
40
0
0
0
0
72
0
1
-8
50
1yes
86
74
46
60
2
0
0
100
-7
7
8
2
0
50
0
0
0
-8
-8
0
-8
-8
0
1yes
74
52
5
26
16
0
0
100
-7
7
8
16
2
19
0
1
1
45
56
3
2
0
56
0no
85
276
6
95
27
0
0
96
27
6
6
28
3
21
0
0
0
6
90
4
2
0
32
1yes
55
306
4
100
28
4
4
93
38
0
6
29
2
25
0
1
1
60
77
11
3
8
70
1yes
62
33
2
14
9
0
0
100
-7
7
8
10
6
20
0
3
3
73
85
2
2
1
63
1yes
74
284
4
84
43
0
0
98
23
6
6
44
8
25
0
2
1
9
9
12
2
1
50
0no
57
331
3
115
8
7
4
50
1
1
2
16
1
19
0
1
1
24
100
2
2
0
44
1yes
73
126
12
61
11
0
0
100
-7
7
8
11
0
45
0
1
1
71
57
4
3
2
88
1yes
70
285
1
96
13
1
0
67
8
4
5
15
1
27
0
1
1
25
-8
3
1
0
50
1yes
74
168
2
85
23
0
0
96
13
6
6
24
3
17
0
0
0
40
95
7
2
0
64
1yes
85
261
12
110
19
0
0
95
63
6
6
19
0
21
0
0
0
0
82
1
2
0
25
0no
79
168
9
58
21
0
0
90
76
6
6
21
3
38
0
0
0
27
88
5
3
0
62
0no
79
409
8
113
18
0
0
100
-7
7
8
18
1
22
0
0
0
32
87
7
2
1
69
1yes
77
120
2
58
15
0
0
94
52
6
6
16
2
25
0
2
2
18
52
3
3
0
46
1yes
69
372
18
147
11
1
0
77
1
4
5
13
0
38
0
0
0
23
70
5
3
0
73
1yes
76
14
2
10
2
0
0
100
-7
7
8
3
1
67
0
0
0
31
88
1
2
0
100
1yes