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
65
261
2
93
14
2
2
87
27
6
6
17
2
47
0
0
0
29
96
4
2
0
67
0no
75
173
1
103
24
0
0
96
42
6
6
25
1
44
0
0
0
28
20
4
6
1
71
0no
66
75
4
25
14
0
0
100
-7
7
8
14
5
64
0
2
2
80
95
4
3
1
88
1yes
82
153
5
46
4
0
0
100
-7
7
8
4
2
50
0
0
0
16
-8
1
1
0
100
0no
73
226
50
98
13
0
0
92
0
4
6
13
0
38
0
0
0
9
-8
3
-8
0
60
1yes
64
247
9
97
33
0
0
100
-7
7
8
33
1
27
0
2
2
86
35
13
4
13
86
1yes
64
201
3
78
58
0
0
95
59
6
6
58
6
21
0
4
3
35
99
9
4
3
39
1yes
59
55
10
31
18
0
0
94
32
6
6
19
1
17
0
1
1
62
87
6
1
3
78
1yes
66
109
7
52
3
2
2
80
-8
6
6
5
1
40
0
4
4
-8
-8
-8
1
-8
100
1yes
65
70
7
30
8
2
2
89
59
6
3
10
2
33
0
0
0
41
8
5
2
0
88
1yes
78
166
3
81
18
0
0
100
-7
7
8
18
2
28
0
1
1
24
-8
4
1
2
50
0no
72
176
11
76
35
0
0
97
10
4
6
35
1
37
0
0
0
17
52
3
4
1
41
0no
75
217
1
74
41
1
1
91
13
6
4
43
5
33
0
4
3
7
88
3
4
0
30
1yes
59
204
9
70
5
2
1
43
10
0
2
7
1
29
0
0
0
85
48
3
2
1
100
1yes
71
395
18
150
22
0
0
91
17
6
6
22
0
18
0
0
0
60
50
5
2
2
64
0no
63
380
5
125
16
0
0
71
7
4
6
17
1
18
0
1
1
66
-8
4
1
3
50
1yes
57
128
4
61
29
3
2
78
1
0
2
32
4
22
0
0
0
17
76
8
5
0
65
0no
61
344
8
116
41
0
0
98
13
6
6
41
1
20
0
12
12
54
43
13
2
8
67
0no
79
194
5
86
47
0
0
100
-7
7
8
49
2
55
0
0
0
23
82
3
5
0
57
0no
81
303
17
103
6
0
0
86
25
6
6
7
0
14
0
0
0
26
-8
1
1
0
40
0no
68
164
1
68
13
1
0
94
6
4
5
17
2
29
0
4
4
21
93
4
3
1
54
1yes
59
365
9
105
21
0
0
87
3
4
6
23
1
48
0
0
0
63
72
6
4
2
91
0no
90
155
11
72
6
0
0
100
-7
7
8
6
1
0
0
0
0
1
-8
2
-8
0
50
1yes
90
359
14
110
9
0
0
100
-7
7
8
9
0
33
0
0
0
3
-8
1
1
0
100
0no
54
134
8
64
14
1
1
76
0
4
4
17
1
24
0
0
0
31
-8
4
1
1
63
1yes
74
188
4
79
18
0
0
100
-7
7
8
19
4
26
0
0
0
46
99
6
2
2
100
1yes
78
295
9
91
28
0
0
100
-7
7
8
28
1
4
0
1
1
23
-8
12
-8
1
71
0no
61
264
11
110
12
4
3
69
4
2
4
16
2
38
0
2
2
2
-8
1
1
0
33
1yes
64
227
1
74
33
2
1
98
23
0
5
43
5
26
0
1
1
31
82
14
5
3
79
1yes
62
137
5
81
9
4
4
62
34
6
4
13
1
38
0
1
1
46
-8
2
1
1
100
1yes
63
309
36
112
17
2
1
68
7
2
4
19
0
16
0
1
1
54
-8
5
1
2
67
0no
71
183
3
96
11
1
1
100
-7
7
8
13
2
0
0
0
0
0
-8
0
-8
0
0
1yes
59
319
3
52
15
1
1
100
-7
7
8
18
4
29
0
2
2
84
85
6
3
2
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
65
187
6
86
31
0
0
94
17
6
6
32
1
34
0
1
1
58
77
10
4
4
93
1yes
58
375
72
137
7
4
3
30
2
0
2
11
0
10
0
0
0
44
-8
2
-8
1
50
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
76
9
31
4
1
1
80
49
6
4
5
1
20
0
1
1
84
-8
4
-8
3
100
1yes
60
70
8
39
10
2
1
83
19
6
5
13
1
58
0
1
1
89
93
4
3
2
88
1yes
87
318
31
99
12
0
0
100
-7
7
8
12
0
25
0
0
0
0
52
0
2
0
25
1yes
66
185
11
92
23
0
0
91
18
6
6
23
1
22
0
1
1
53
19
7
3
4
71
1yes
54
79
7
27
9
0
0
82
5
4
6
12
2
17
0
1
1
21
-8
5
1
2
75
1yes
76
148
9
42
14
0
0
100
-7
7
8
14
2
14
0
0
0
38
95
4
2
1
67
1yes
56
6
4
5
2
0
0
100
-7
7
8
2
2
50
0
11
11
135
-8
1
1
1
100
1yes
74
352
23
129
15
0
0
100
-7
7
8
15
0
33
0
0
0
71
74
6
2
4
73
1yes
59
139
3
67
27
1
1
100
-7
0
8
28
2
7
0
0
0
39
-8
5
-8
1
50
1yes
55
180
65
115
5
12
3
31
15
6
3
17
0
19
0
0
0
34
61
4
2
1
86
1yes
59
91
14
36
10
4
4
82
22
6
6
11
0
55
0
2
2
53
65
3
5
0
89
1yes
81
212
6
84
22
0
0
95
16
6
6
22
1
36
0
0
0
5
-8
2
2
0
40
0no
80
211
3
55
19
0
0
95
81
6
6
19
3
16
0
3
3
5
82
1
2
0
27
0no
55
25
5
14
9
0
0
100
-7
7
8
9
5
56
0
1
1
97
93
3
2
2
100
1yes
73
170
8
61
27
2
1
90
17
6
3
29
1
17
0
0
0
21
-8
4
1
0
33
0no
59
367
207
263
3
2
1
50
1
4
5
4
0
25
0
1
1
4
-8
1
-8
-8
100
1yes
75
152
1
66
21
0
0
100
-7
7
8
22
3
36
0
1
1
32
96
5
3
2
62
1yes
69
158
8
64
22
1
1
100
-7
6
8
22
1
18
0
0
0
17
51
6
2
0
56
0no
68
89
9
40
10
2
2
91
81
6
2
11
1
45
0
0
0
48
86
3
4
1
88
1yes
83
401
18
109
14
0
0
100
-7
7
8
14
0
29
0
0
0
16
78
4
2
1
67
0no
74
39
3
16
6
0
0
100
-7
7
8
6
3
33
0
2
2
23
99
2
2
0
80
1yes
65
160
7
60
26
0
0
96
41
6
6
26
2
31
0
1
1
56
-8
6
2
3
57
1yes
74
197
5
90
30
0
0
97
-8
6
6
31
2
16
0
0
0
25
-8
6
1
2
54
1yes
67
94
14
43
5
1
0
86
29
6
5
7
0
14
0
0
0
54
-8
4
-8
2
80
0no
67
70
1
43
3
0
0
100
-7
7
8
4
1
50
0
8
8
100
-8
1
1
-8
100
1yes
61
83
6
45
18
1
1
83
43
6
6
19
3
33
0
0
0
84
92
4
3
4
73
1yes
59
69
14
39
4
3
3
80
57
6
2
6
0
20
0
0
0
99
-8
1
1
1
67
1yes
69
603
1
182
10
0
0
82
38
6
6
11
1
18
0
0
0
96
-8
4
-8
4
80
0no
57
149
6
66
23
0
0
91
1
4
6
23
1
22
0
3
3
50
95
7
2
3
69
1yes
61
186
2
64
24
1
0
79
19
6
5
29
5
45
0
1
1
49
90
4
1
1
83
1yes
64
162
14
47
9
1
1
80
6
4
2
10
0
60
0
0
0
88
66
3
3
2
100
1yes
65
69
53
63
2
2
2
67
28
6
2
3
0
67
0
6
6
4
-8
1
-8
0
100
1yes
76
172
2
74
18
0
0
100
-7
7
8
19
1
11
0
0
0
51
-8
2
2
2
50
0no
71
162
11
51
13
0
0
92
13
6
6
13
1
15
0
0
0
51
-8
3
1
1
50
1yes
80
297
8
82
17
0
0
100
-7
7
8
17
1
24
0
0
0
18
11
5
2
0
70
0no
43
71
11
48
7
1
0
88
1
3
5
8
1
75
0
0
0
-8
53
1
1
-8
100
1yes
64
153
5
44
20
2
2
100
-7
7
8
22
3
25
0
1
1
37
98
8
1
3
82
1yes
65
140
14
49
12
1
1
100
-7
6
8
12
0
58
0
0
0
66
-8
2
3
0
100
1yes
90
211
6
102
17
0
0
100
-7
7
8
17
1
0
0
1
1
0
-8
0
-8
0
0
1yes
55
80
20
43
3
2
2
50
38
6
2
5
0
100
0
0
0
-8
68
-8
2
-8
100
1yes
81
154
21
73
13
0
0
100
-7
7
8
13
0
23
0
0
0
46
-8
4
-8
0
67
1yes
57
180
9
98
19
3
3
74
4
0
6
21
1
21
0
1
1
21
95
9
1
0
71
1yes
73
325
1
77
17
0
0
100
-7
7
8
19
3
32
0
0
0
70
90
2
2
2
63
0no
64
126
3
50
18
1
1
65
6
4
4
20
3
40
0
0
0
18
65
3
4
0
64
1yes
80
169
23
76
12
0
0
92
19
6
6
12
0
0
0
1
1
5
-8
3
-8
0
30
0no
58
246
17
128
8
2
2
78
10
4
4
9
0
22
0
0
0
74
-8
4
1
2
83
1yes
57
184
25
80
11
4
0
63
2
3
5
16
0
25
0
1
1
39
-8
2
1
0
60
1yes
63
202
8
61
11
1
1
67
11
4
6
13
1
50
0
0
0
11
46
2
3
-8
71
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
54
25
13
19
3
2
2
100
-7
0
8
4
0
33
0
2
2
33
-8
1
1
-8
67
1yes
91
195
29
135
5
0
0
100
-7
7
8
5
0
0
0
0
0
3
-8
2
-8
0
50
0no
57
181
4
69
28
1
0
84
5
4
5
32
4
31
0
2
2
78
83
3
3
2
78
1yes
72
177
21
75
15
1
0
94
13
6
5
16
0
38
0
0
0
30
-8
5
1
1
86
1yes
72
169
3
76
39
0
0
98
20
6
6
41
5
39
0
3
2
26
92
4
4
1
53
1yes
65
186
6
84
6
1
0
71
9
3
5
7
1
14
0
2
2
56
-8
2
1
-8
75
1yes
72
224
2
66
31
0
0
100
-7
7
8
33
3
24
0
0
0
28
69
9
2
0
61
0no
79
138
16
71
19
0
0
95
-8
6
6
19
0
42
0
0
0
17
92
2
3
1
71
1yes
70
44
3
27
22
1
1
91
6
0
2
23
4
17
0
1
1
17
89
7
3
0
61
1yes
91
362
35
139
12
0
0
100
-7
7
8
12
0
8
0
0
0
1
-8
4
1
0
50
0no
61
59
4
17
9
0
0
100
-7
7
8
9
4
22
0
8
8
89
90
3
2
2
100
1yes
73
271
56
148
8
1
1
88
47
6
6
8
0
38
0
0
0
0
-8
1
2
0
75
1yes
71
331
3
79
14
1
0
67
9
4
5
15
4
33
0
2
2
7
70
3
3
0
60
1yes
74
377
6
110
33
1
0
94
36
6
5
34
3
18
0
0
0
13
67
4
2
2
38
0no