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
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
71
291
21
108
23
0
0
96
14
6
6
23
0
13
-7
2
2
51
-8
3
1
1
44
0no
67
269
10
65
22
0
0
79
3
4
6
24
1
33
-7
0
0
21
70
4
3
0
58
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
66
14
12
13
2
0
0
100
-7
7
8
2
0
100
-7
4
4
-8
83
-8
2
-8
100
1yes
88
140
10
85
9
0
0
100
-7
7
8
9
1
0
-7
0
0
1
-8
3
-8
0
50
0no
85
139
2
59
11
0
0
100
-7
7
8
12
1
0
-7
0
0
6
-8
5
-8
0
71
0no
75
223
2
94
25
0
0
96
9
4
6
26
2
50
-7
0
0
27
74
6
8
0
78
1yes
90
286
15
105
18
0
0
100
-7
7
8
18
0
0
-7
0
0
1
-8
2
-8
0
20
0no
84
330
5
68
21
0
0
100
-7
7
8
21
2
24
-7
0
0
4
29
2
3
1
33
0no
76
261
8
86
18
0
0
89
6
4
6
19
2
37
-7
0
0
24
-8
3
1
0
40
0no
79
305
9
121
12
1
0
69
9
4
5
16
1
19
-7
0
0
6
-8
6
1
0
64
1yes
73
221
13
72
12
0
0
92
37
6
6
12
0
25
-7
0
0
94
18
2
2
2
67
1yes
59
31
2
14
13
0
0
100
-7
7
8
14
4
14
-7
2
2
25
98
7
2
2
79
1yes
54
107
2
23
18
0
0
100
-7
7
8
20
12
30
-7
11
11
71
92
10
3
1
87
1yes
59
95
8
66
2
1
1
50
13
6
4
4
1
50
-7
1
1
104
-8
2
-8
0
100
1yes
68
205
10
158
13
0
0
100
-7
7
8
14
1
14
-7
2
2
65
-8
8
-8
2
89
0no
83
267
17
106
13
0
0
92
53
6
6
13
0
15
-7
0
0
48
-8
4
1
0
83
0no
66
178
1
44
13
0
0
94
21
6
6
16
6
38
-7
1
1
40
66
4
3
1
80
0no
66
143
4
75
10
1
1
100
-7
6
8
10
1
30
-7
2
2
95
-8
2
-8
1
100
1yes
76
177
3
53
28
0
0
100
-7
7
8
29
4
64
-7
2
2
1
81
3
11
0
82
1yes
66
168
1
93
21
1
0
79
6
3
5
24
1
8
-7
2
2
26
-8
5
1
0
38
1yes
59
330
62
161
5
1
0
63
6
4
5
8
0
50
-7
1
1
87
-8
2
1
2
100
1yes
58
148
20
71
24
1
1
92
5
4
4
26
0
56
-7
0
0
68
74
7
3
3
71
0no
80
305
16
154
17
0
0
100
-7
7
8
18
0
12
-7
2
2
25
-8
2
1
0
44
0no
58
116
15
74
11
2
0
53
6
4
5
15
0
27
-7
0
0
85
43
4
3
2
78
1yes
81
199
5
70
32
0
0
94
21
6
6
33
2
27
-7
1
1
2
-8
2
1
0
25
0no
63
74
12
44
21
1
0
95
22
6
5
22
0
14
-7
1
1
54
83
11
1
4
80
0no
68
106
11
48
4
0
0
75
67
6
6
4
1
75
-7
1
1
-8
28
-8
2
-8
100
1yes
74
232
18
101
10
1
1
91
53
6
2
11
0
36
-7
0
0
70
-8
2
1
1
75
1yes
88
208
10
98
25
0
0
100
-7
7
8
25
2
52
-7
0
0
0
63
3
3
0
64
0no
66
48
3
19
11
0
0
100
-7
7
8
11
5
18
-7
1
1
39
80
7
2
1
90
1yes
65
185
3
66
11
3
3
92
60
6
3
12
4
17
-7
1
1
65
98
3
2
1
63
0no
84
312
3
86
40
0
0
100
-7
7
8
40
3
25
-7
1
1
1
-8
3
6
0
41
0no
73
131
4
63
19
1
0
85
20
6
5
26
2
62
-7
1
1
25
17
1
4
-8
100
1yes
66
164
19
108
9
1
0
70
9
4
5
10
0
80
-7
0
0
0
121
0
4
-8
80
0no
79
76
2
36
18
1
1
95
48
6
3
21
4
50
-7
3
3
1
96
2
3
0
50
0no
89
302
28
137
22
0
0
100
-7
7
8
22
0
0
-7
0
0
3
-8
4
-8
0
50
0no
72
204
4
67
21
2
0
91
28
6
5
25
7
52
-7
0
0
66
95
5
4
0
100
1yes
76
196
3
69
14
0
0
86
37
6
6
14
3
36
-7
2
2
31
67
3
2
0
83
0no
55
125
5
58
10
1
0
50
3
4
5
14
2
36
-7
1
1
56
71
4
4
2
89
0no
64
207
25
77
11
2
2
82
13
6
6
11
0
36
-7
2
2
57
22
2
2
0
71
1yes
64
128
1
59
32
0
0
94
4
4
6
35
2
12
-7
2
2
19
42
3
1
1
31
1yes
61
178
12
91
18
2
1
89
2
3
5
22
0
20
-7
0
0
35
20
6
3
0
82
0no
78
267
22
173
13
0
0
92
72
6
6
14
0
8
-7
0
0
71
-8
2
1
1
50
0no
74
77
1
35
15
0
0
100
-7
7
8
16
4
50
-7
0
0
47
72
4
3
1
88
0no
66
42
3
15
6
1
1
86
22
6
2
7
3
43
-7
1
1
0
95
1
2
-8
75
0no
81
181
1
74
13
0
0
93
19
6
6
14
1
29
-7
3
3
11
48
2
1
0
60
0no
58
372
45
178
5
8
7
29
4
4
2
14
0
43
-7
1
1
55
-8
1
3
0
100
1yes
61
107
5
70
7
4
2
42
27
6
2
13
1
50
-7
0
0
0
98
0
2
-8
75
1yes
90
243
4
103
19
0
0
100
-7
7
8
20
3
30
-7
1
0
4
85
2
2
0
29
0no
87
241
2
93
17
0
0
100
-7
7
8
18
4
17
-7
1
1
7
-8
5
1
1
50
0no
69
142
6
57
10
1
1
67
30
6
4
14
2
42
-7
1
1
73
99
3
3
1
100
1yes
59
207
4
64
27
0
0
90
19
6
6
32
2
47
-7
0
0
101
82
3
3
2
100
1yes
71
214
18
127
10
1
0
64
14
6
5
11
0
18
-7
0
0
51
81
3
1
2
57
0no
71
172
17
81
8
1
1
89
52
6
2
9
0
44
-7
0
0
-8
-8
-8
1
-8
100
0no
65
84
17
46
26
0
0
85
11
4
6
27
0
37
-7
0
0
63
77
4
5
0
75
1yes
65
33
2
13
6
0
0
100
-7
7
8
7
3
43
-7
3
3
7
-8
2
2
0
83
1yes
61
183
5
68
2
1
0
67
10
3
5
3
1
33
-7
2
2
108
-8
1
1
1
67
1yes
63
262
12
63
19
0
0
89
4
4
6
19
0
11
-7
1
1
19
-8
3
1
2
40
1yes
63
376
6
99
18
0
0
94
5
4
6
18
1
22
-7
3
2
53
-8
8
1
1
100
1yes
60
43
1
16
9
0
0
100
-7
7
8
10
6
40
-7
2
2
96
42
3
2
1
83
1yes
56
215
1
103
21
1
1
88
1
0
6
24
4
38
-7
1
1
44
-8
6
1
3
78
1yes
56
369
4
93
20
1
0
83
0
4
5
25
1
39
-7
0
0
88
49
9
4
3
93
0no
81
134
2
60
25
0
0
100
-7
7
8
27
2
15
-7
1
1
32
48
6
3
0
100
0no
74
183
1
48
11
0
0
100
-7
7
8
12
2
25
-7
2
1
58
31
3
2
1
83
1yes
91
359
62
188
11
0
0
100
-7
7
8
11
0
18
-7
0
0
5
-8
3
1
0
67
0no
88
182
17
83
9
0
0
100
-7
7
8
9
0
44
-7
0
0
10
15
2
2
0
67
0no
86
212
37
125
12
0
0
100
-7
7
8
12
0
25
-7
0
0
13
-8
1
1
0
43
1yes
73
160
11
79
10
1
1
91
16
6
4
11
1
55
-7
1
1
16
-8
1
1
1
67
1yes
84
213
7
62
19
0
0
100
-7
7
8
21
1
32
-7
2
2
13
79
4
2
0
50
0no
68
184
10
89
25
0
0
96
62
6
6
27
1
27
-7
12
12
24
84
4
3
2
54
0no
59
182
7
71
15
0
0
73
2
4
6
15
1
27
-7
0
0
60
-8
5
1
1
100
1yes
90
249
20
94
38
0
0
100
-7
7
8
38
0
11
-7
0
0
5
-8
1
1
0
12
0no
75
355
9
103
36
1
0
89
10
4
5
38
1
8
-7
0
0
18
-8
8
1
0
45
0no
65
115
11
43
19
0
0
90
1
4
6
20
1
50
-7
0
0
52
77
5
6
0
85
1yes
85
328
39
132
7
0
0
100
-7
7
8
7
0
43
1
1
1
0
-8
1
1
-8
50
1yes
62
159
6
67
14
0
0
86
3
4
6
18
3
36
0
2
2
71
93
2
3
1
83
1yes
59
166
36
102
4
4
1
33
7
3
2
9
0
33
13
0
0
110
-8
1
1
-8
100
0no
86
153
14
75
11
0
0
100
-7
7
8
11
0
0
1
2
2
1
-8
1
-8
0
11
0no
63
349
4
111
34
0
0
97
16
6
6
35
1
6
19
0
0
83
-8
18
1
12
91
1yes
85
275
2
83
15
0
0
100
-7
7
8
17
1
18
1
1
1
5
-8
2
-8
1
25
0no
79
231
16
112
21
0
0
100
-7
7
8
22
0
19
16
0
0
25
-8
7
1
1
64
0no
61
128
4
61
5
1
1
75
13
6
2
8
1
38
3
2
2
90
-8
1
1
1
100
1yes
56
217
14
101
29
1
1
60
8
4
4
31
0
23
0
2
2
93
26
9
5
5
100
0no
63
426
3
90
18
4
3
95
36
6
5
19
2
32
0
2
2
60
69
6
3
1
82
0no
75
195
10
84
19
0
0
100
-7
7
8
19
1
16
7
0
0
33
-8
3
-8
1
75
0no
82
367
1
90
26
0
0
96
40
6
6
28
3
14
3
2
2
1
-8
5
-8
0
45
1yes
54
375
3
99
44
0
0
84
1
4
6
44
4
45
0
2
2
72
70
10
4
4
64
1yes
73
207
11
66
23
0
0
92
2
4
6
24
1
33
10
0
0
0
14
1
3
0
80
0no
69
261
2
88
23
0
0
84
0
4
6
26
6
24
2
2
1
16
100
2
3
0
38
1yes
82
151
4
68
25
0
0
100
-7
7
8
25
1
8
23
0
0
6
-8
4
1
1
38
0no
83
368
23
161
9
0
0
100
-7
7
8
9
0
11
23
0
0
35
-8
5
1
1
86
0no
71
60
4
25
16
0
0
100
-7
7
8
16
2
56
9
0
0
46
85
5
5
0
100
1yes
62
295
21
124
10
2
2
64
16
6
2
14
0
36
20
0
0
38
30
3
3
0
86
1yes
65
421
2
133
30
1
0
88
4
4
5
34
1
47
0
0
0
30
83
7
3
2
100
1yes
73
165
3
62
22
2
2
96
3
0
2
23
5
39
2
1
1
10
55
4
5
0
69
0no
80
139
8
67
35
0
0
97
29
6
6
35
2
29
0
3
3
5
87
4
3
0
54
0no
68
346
2
94
26
0
0
96
15
6
6
28
2
57
2
3
3
85
68
3
5
2
90
0no
64
231
3
107
31
0
0
94
5
4
6
32
2
25
5
1
1
23
75
10
2
2
67
1yes