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
60
187
5
74
23
0
0
75
4
4
6
24
4
38
0
1
1
44
91
3
2
0
50
1yes
63
153
3
48
17
0
0
88
4
4
6
17
1
47
0
3
3
44
94
3
3
0
50
1yes
63
176
16
80
23
1
1
76
6
0
2
25
0
64
0
0
0
57
48
3
4
1
88
1yes
90
238
12
103
16
0
0
100
-7
7
8
16
0
25
0
0
0
1
-8
1
1
0
33
0no
76
169
32
95
12
0
0
92
11
4
6
12
0
50
0
0
0
3
-8
1
2
1
38
1yes
70
136
20
68
17
0
0
82
18
6
6
17
0
18
0
0
0
54
31
6
2
2
80
1yes
66
184
6
44
5
1
1
100
-7
7
8
6
3
60
0
1
1
32
88
1
3
0
80
0no
67
262
26
128
6
0
0
50
1
4
6
6
0
33
0
0
0
47
-8
1
1
0
67
1yes
67
196
10
55
12
0
0
100
-7
7
8
12
1
17
0
0
0
88
62
9
1
5
100
1yes
59
89
26
62
2
1
1
67
2
0
2
3
0
33
0
4
4
100
63
1
1
1
67
1yes
88
342
50
256
7
0
0
100
-7
7
8
7
0
0
0
0
0
12
-8
3
-8
0
60
0no
80
163
3
71
33
0
0
100
-7
7
8
33
2
9
0
1
1
3
62
5
2
1
32
0no
76
65
13
31
3
0
0
100
-7
7
8
3
0
0
0
0
0
48
-8
2
-8
1
67
1yes
78
168
21
92
23
0
0
83
51
6
6
23
0
52
0
0
0
27
77
2
4
0
70
0no
60
67
15
53
5
1
1
50
14
6
2
6
0
50
0
2
2
-8
-8
1
1
-8
100
1yes
86
220
7
79
19
0
0
100
-7
7
8
19
1
0
0
0
0
2
-8
3
-8
0
21
0no
54
23
15
18
3
1
1
100
-7
7
8
4
0
33
0
0
0
94
-8
2
1
0
100
1yes
57
187
20
101
7
1
0
60
1
4
5
10
0
40
0
0
0
75
62
3
2
1
100
1yes
68
141
7
51
15
0
0
100
-7
7
8
15
4
33
0
0
0
47
92
5
2
1
78
1yes
65
115
9
49
18
1
1
100
-7
7
8
21
1
30
0
1
1
56
81
7
2
3
82
1yes
69
117
7
34
8
0
0
89
44
6
6
9
1
78
0
3
2
0
94
0
3
-8
75
0no
81
141
2
75
26
0
0
100
-7
7
8
27
1
15
0
1
1
17
82
3
2
1
50
0no
54
370
3
125
36
0
0
97
0
4
6
37
3
24
0
0
0
60
-8
9
2
5
73
1yes
54
151
5
63
9
1
0
55
2
4
5
11
2
45
0
0
0
104
27
3
3
1
100
1yes
61
388
8
80
11
0
0
82
21
6
6
11
2
36
0
1
1
71
-8
4
1
3
63
1yes
89
283
13
116
30
0
0
100
-7
7
8
32
0
19
0
1
0
4
33
3
2
0
50
0no
66
192
2
84
10
5
4
56
26
6
2
16
1
38
0
1
1
11
3
1
1
1
50
0no
59
408
1
100
17
1
1
78
53
6
4
23
4
39
0
5
5
54
74
4
4
3
62
1yes
64
131
20
73
6
1
0
56
1
4
5
9
0
22
0
1
1
67
79
2
2
0
100
1yes
59
194
10
54
14
1
1
79
10
4
6
15
1
29
0
1
1
74
-8
6
1
1
70
1yes
70
203
3
68
20
1
1
80
14
6
4
25
3
40
0
0
0
43
10
7
3
1
79
0no
72
114
3
61
17
1
0
72
7
4
5
18
1
28
0
0
0
0
100
2
2
0
33
1yes
66
286
1
114
45
0
0
93
68
6
6
46
1
20
0
0
0
67
-8
12
4
2
71
1yes
68
189
12
49
6
4
4
100
-7
6
8
6
0
50
0
1
1
62
90
1
2
-8
75
1yes
59
361
6
103
22
0
0
87
41
6
6
24
3
17
0
5
5
70
85
9
2
4
79
1yes
87
300
33
140
12
0
0
100
-7
7
8
13
0
31
0
0
0
15
-8
1
1
-8
50
0no
86
184
15
77
39
0
0
100
-7
7
8
40
0
18
0
0
0
4
-8
11
1
0
57
1yes
73
247
2
89
8
1
0
88
43
6
5
16
4
44
0
1
1
98
-8
1
2
1
100
1yes
75
164
7
65
32
2
0
88
66
6
5
34
3
21
0
1
1
7
-8
4
1
0
63
0no
67
58
4
29
21
0
0
95
39
6
6
22
6
50
0
3
3
15
94
3
5
0
73
1yes
57
47
3
31
9
1
1
80
13
6
6
11
1
40
0
0
0
72
100
3
2
1
83
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
72
38
6
17
17
0
0
100
-7
7
8
17
4
12
0
0
0
59
76
3
1
0
57
1yes
59
221
4
78
12
4
1
61
27
6
3
19
3
26
0
2
2
88
87
10
2
5
100
1yes
77
287
3
109
10
2
2
83
32
6
3
12
3
17
0
2
2
33
-8
2
1
1
43
0no
76
38
8
21
4
0
0
100
-7
7
8
4
1
50
0
1
1
0
45
0
2
0
67
0no
66
115
15
64
13
2
1
93
41
6
5
15
0
14
0
5
4
66
-8
5
1
2
75
1yes
78
131
12
74
8
0
0
100
-7
7
8
8
0
25
0
1
1
46
-8
2
1
1
75
1yes
85
322
3
90
39
0
0
100
-7
7
8
39
1
10
0
0
0
7
-8
4
1
0
42
0no
55
103
7
47
2
1
1
50
14
6
3
4
2
25
0
1
1
97
-8
2
1
2
100
0no
63
164
12
51
10
1
0
82
24
6
5
11
0
55
0
0
0
68
84
4
3
2
100
0no
69
88
23
62
5
0
0
80
5
4
6
5
0
40
0
0
0
0
67
0
1
0
50
0no
58
120
8
67
22
1
0
74
6
3
5
23
1
26
0
2
2
87
79
7
3
4
92
1yes
66
135
1
68
24
0
0
67
10
4
6
27
2
19
0
1
1
16
-8
5
2
0
44
1yes
56
23
7
15
6
0
0
100
-7
7
8
6
2
33
0
11
11
95
-8
3
1
1
100
1yes
73
147
24
90
14
1
1
87
15
6
2
15
0
27
0
0
0
50
35
4
3
1
88
1yes
64
131
3
48
13
0
0
92
6
4
6
13
3
23
0
1
1
85
-8
5
1
2
86
1yes
55
148
7
63
6
2
1
22
7
0
2
9
1
44
0
0
0
100
0
2
2
-8
100
1yes
70
56
8
26
8
0
0
88
11
4
6
8
1
38
0
1
1
3
82
1
3
0
100
1yes
37
263
4
80
26
1
1
78
0
2
4
27
3
22
0
2
2
71
44
7
2
2
69
1yes
58
94
7
45
7
2
2
88
-8
6
4
9
1
63
0
1
1
81
-8
2
1
0
75
1yes
89
265
30
129
17
0
0
100
-7
7
8
17
0
12
0
1
0
9
-8
5
1
0
50
0no
86
204
10
79
15
0
0
100
-7
7
8
15
1
40
0
0
0
0
-8
0
1
0
25
0no
56
49
2
24
19
0
0
95
2
4
6
22
4
18
0
0
0
48
100
6
2
1
67
0no
84
241
33
103
18
0
0
100
-7
7
8
18
0
28
0
1
1
14
52
2
2
0
50
0no
70
68
2
41
6
0
0
100
-7
7
8
7
1
57
0
0
0
91
17
2
2
1
100
1yes
73
284
11
111
15
0
0
100
-7
7
8
15
1
40
0
0
0
74
58
3
4
2
78
0no
72
11
7
9
2
0
0
100
-7
7
8
2
2
0
0
0
0
17
-8
2
-8
-8
100
1yes
59
184
1
86
21
2
2
91
0
0
6
24
2
55
0
5
5
0
20
0
5
-8
60
0no
65
32
2
11
13
1
1
100
-7
0
8
17
9
19
0
5
5
7
86
7
3
0
71
1yes
80
216
6
84
33
0
0
100
-7
7
8
33
2
27
0
4
4
2
140
3
1
0
57
0no
64
127
7
66
20
5
5
70
6
4
2
23
1
52
0
0
0
0
79
1
4
-8
86
1yes
68
266
13
93
29
1
1
90
39
6
6
29
0
59
0
2
2
98
53
3
4
3
88
1yes
69
303
1
104
35
0
0
94
61
6
6
36
1
31
-7
0
0
45
61
7
4
3
61
0no
63
126
5
64
16
1
1
100
-7
6
8
16
1
44
-7
1
0
96
75
4
3
3
100
1yes
78
317
13
77
33
0
0
97
33
6
6
35
0
21
-7
0
0
5
-8
3
-8
0
31
0no
70
283
6
92
10
1
1
100
-7
6
8
10
2
0
-7
0
0
44
-8
3
-8
0
75
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
136
7
82
11
0
0
100
-7
7
8
11
1
9
-7
1
1
6
-8
2
-8
0
50
0no
59
374
6
117
65
0
0
99
6
4
6
67
5
46
-7
0
0
42
50
12
7
4
69
0no
64
31
3
16
9
0
0
100
-7
7
8
9
3
33
-7
1
1
69
65
5
2
1
88
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
61
135
1
34
4
1
1
83
19
5
2
6
1
50
-7
0
0
24
-8
1
1
0
75
1yes
84
320
2
121
24
0
0
100
-7
7
8
25
2
28
-7
2
2
6
-8
4
2
1
50
0no
85
197
4
81
26
0
0
100
-7
7
8
26
3
19
-7
3
3
4
6
2
2
0
29
0no
80
177
5
49
7
0
0
100
-7
7
8
7
1
14
-7
2
2
28
92
1
1
-8
50
0no
57
57
2
37
7
3
2
45
16
6
2
11
3
9
-7
0
0
46
-8
4
1
1
83
1yes
80
338
36
186
7
0
0
100
-7
7
8
7
0
0
-7
0
0
65
-8
2
-8
1
50
1yes
78
169
2
53
21
0
0
95
24
6
6
22
1
45
-7
0
0
0
78
2
1
0
43
1yes
76
164
11
77
16
1
0
88
26
6
5
17
1
12
-7
0
0
5
-8
1
1
0
25
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
59
9
9
9
1
1
1
100
-7
7
8
1
1
100
-7
3
3
-8
-8
-8
1
-8
100
1yes
57
104
3
29
18
0
0
78
8
4
6
19
4
39
-7
4
4
53
80
6
3
0
75
1yes
82
80
61
73
3
0
0
100
-7
7
8
3
0
33
-7
0
0
50
-8
1
-8
0
100
0no
60
146
6
116
6
3
1
55
6
0
2
11
1
55
-7
1
1
83
-8
1
1
1
75
1yes
83
226
35
88
12
0
0
100
-7
7
8
13
0
42
-7
1
1
26
-8
2
1
0
75
0no
79
361
5
170
7
1
0
63
16
6
5
8
1
25
-7
1
1
8
92
2
1
1
60
0no
60
294
2
75
11
3
2
56
2
0
2
16
1
25
-7
0
0
28
74
5
2
0
78
1yes
72
-8
2
70
27
0
0
100
-7
7
8
31
1
13
-7
1
1
36
-8
6
1
4
67
1yes
67
188
3
75
14
0
0
93
80
6
6
14
1
29
-7
3
3
103
44
3
2
2
100
1yes