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
66
218
2
83
19
4
1
78
14
6
4
27
2
59
2
1
1
61
63
2
6
1
67
1yes
59
48
10
23
21
0
0
100
-7
7
8
22
2
43
1
3
2
52
87
5
4
3
75
0no
87
332
2
127
15
0
0
100
-7
7
8
17
1
59
23
0
0
13
89
2
2
0
80
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
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
78
183
4
80
12
1
1
100
-7
6
8
12
2
8
4
1
1
3
28
3
1
0
57
0no
63
134
5
81
17
1
0
70
29
6
5
20
1
45
7
0
0
80
34
4
2
3
100
1yes
73
77
5
44
15
0
0
100
-7
7
8
15
1
67
14
0
0
68
77
3
4
2
100
1yes
89
320
26
139
9
0
0
100
-7
7
8
9
0
11
1
1
1
1
-8
2
-8
0
40
0no
65
170
7
67
12
1
0
60
38
6
5
15
2
40
7
0
0
71
-8
3
2
2
71
0no
70
366
9
163
17
2
2
74
1
0
2
19
2
11
2
1
1
6
-8
2
1
1
36
1yes
65
176
5
72
12
2
2
79
10
4
3
14
2
36
20
0
0
58
-8
5
1
3
60
0no
67
97
2
53
19
2
2
91
14
6
2
22
1
73
1
2
2
77
89
3
5
2
89
1yes
84
349
21
109
28
0
0
100
-7
7
8
28
0
25
-8
0
0
10
53
4
2
0
37
0no
61
113
3
29
32
0
0
100
-7
7
8
33
12
28
3
2
2
36
72
8
6
2
54
1yes
85
211
2
92
24
0
0
100
-7
7
8
25
1
44
3
1
1
3
-8
3
3
0
64
0no
70
98
3
43
17
0
0
100
-7
7
8
17
2
35
2
3
3
36
-8
2
1
1
75
0no
79
249
12
82
41
0
0
100
-7
7
8
43
0
12
5
0
0
8
46
18
4
1
69
0no
77
216
8
137
10
0
0
100
-7
7
8
10
1
0
0
3
3
49
-8
4
-8
2
50
1yes
70
141
8
145
17
3
2
80
29
5
2
20
1
20
16
0
0
46
91
5
2
1
100
0no
64
156
2
60
22
0
0
91
16
6
6
23
3
13
2
3
3
74
91
7
3
1
91
0no
91
323
34
164
15
0
0
100
-7
7
8
15
0
20
2
1
1
1
35
2
1
0
30
0no
73
227
9
94
31
1
1
100
-7
6
8
31
1
19
1
5
5
3
-8
6
2
1
57
0no
77
135
1
55
13
0
0
93
38
6
6
15
4
47
1
4
4
0
-8
2
3
0
71
0no
80
373
9
105
13
0
0
85
67
6
6
13
1
8
9
0
0
3
-8
2
-8
0
27
1yes
66
410
14
151
22
1
1
100
-7
6
8
22
0
18
3
1
1
69
-8
10
2
5
71
1yes
57
159
3
63
23
2
0
80
9
4
5
25
3
64
3
3
3
44
90
5
1
1
86
1yes
55
97
15
56
6
2
0
40
7
4
5
10
0
20
0
2
2
38
-8
4
-8
1
67
1yes
85
179
25
120
28
0
0
100
-7
7
8
28
0
89
0
1
1
0
20
0
7
-8
88
0no
76
221
3
75
30
0
0
100
-7
7
8
30
3
10
9
0
0
22
-8
9
-8
3
47
0no
58
167
3
62
24
1
1
80
1
4
2
25
1
24
1
1
1
0
48
0
3
0
33
1yes
79
219
5
92
18
0
0
100
-7
7
8
18
1
28
23
0
0
15
31
3
2
1
75
0no
87
163
84
109
9
0
0
100
-7
7
8
9
0
33
-8
0
0
28
-8
3
1
0
67
0no
74
319
2
75
30
0
0
100
-7
7
8
31
4
29
2
5
5
37
77
6
5
0
69
0no
69
209
9
117
25
0
0
100
-7
7
8
25
1
40
3
1
1
87
61
8
2
4
85
1yes
74
86
3
44
24
0
0
92
27
6
6
25
5
21
2
1
1
0
69
3
5
1
53
0no
84
155
5
65
28
0
0
100
-7
7
8
29
1
25
16
0
0
4
67
3
2
0
56
0no
71
417
17
123
28
1
0
72
9
4
5
25
0
23
-8
0
0
13
-8
12
1
0
81
0no
62
-8
9
42
10
2
1
83
5
3
5
12
2
33
1
1
1
14
90
4
1
1
63
1yes
62
87
9
42
10
2
1
83
5
3
5
12
2
33
1
1
1
14
90
4
1
1
63
1yes
71
166
7
55
17
0
0
89
50
6
6
38
4
68
7
0
0
23
85
3
3
1
100
1yes
85
401
4
139
11
0
0
100
-7
7
8
11
2
18
1
1
1
21
61
3
1
0
50
0no
87
207
1
65
14
0
0
100
-7
7
8
15
2
33
24
1
1
5
10
3
2
0
50
0no
81
253
13
114
15
0
0
87
9
4
6
15
0
0
0
1
1
8
-8
1
-8
0
17
0no
78
202
2
70
15
0
0
94
-8
6
6
17
4
18
1
1
1
10
-8
4
1
0
38
0no
81
234
9
93
27
0
0
89
32
6
6
29
1
19
1
2
2
16
17
4
3
0
47
0no
75
162
12
88
16
1
1
83
7
4
3
18
0
33
11
0
0
13
45
3
3
0
60
0no
60
178
5
53
23
0
0
75
10
4
6
24
6
29
4
2
2
35
75
3
3
1
55
1yes
70
102
7
37
12
0
0
100
-7
7
8
12
1
33
16
0
0
74
87
6
3
1
100
1yes
80
99
9
52
12
0
0
100
-7
7
8
12
2
8
1
1
1
10
-8
1
-8
0
14
1yes
83
339
12
87
11
0
0
100
-7
7
8
12
0
45
21
0
0
58
43
3
2
1
83
0no
72
245
2
89
32
1
0
91
44
6
5
35
2
23
2
1
1
26
65
5
4
1
56
1yes
83
155
6
65
9
0
0
100
-7
7
8
10
2
44
1
1
1
7
58
2
2
0
71
0no
74
268
22
121
17
1
0
67
26
6
5
21
0
38
0
1
1
27
63
5
3
1
80
0no
93
305
24
99
19
0
0
100
-7
7
8
19
0
11
23
0
0
1
-8
1
-8
0
17
0no
62
33
33
33
0
0
0
0
21
6
6
1
0
100
0
2
2
-8
-8
-8
1
-8
100
1yes
56
178
1
82
27
0
0
83
6
6
6
29
2
24
1
1
1
77
86
8
3
2
86
0no
58
265
17
81
40
1
0
88
4
6
5
42
0
54
4
3
1
54
60
3
3
1
67
1yes
78
292
15
113
26
0
0
100
-7
7
8
26
0
35
1
1
1
24
83
3
4
1
62
0no
74
254
11
85
10
0
0
100
-7
7
8
10
1
50
4
1
1
93
38
2
3
2
100
0no
56
161
4
59
57
0
0
93
10
6
6
59
5
22
0
2
2
33
-8
17
2
3
51
1yes
85
136
10
57
7
0
0
100
-7
7
8
8
1
14
3
1
1
1
72
2
1
0
50
1yes
86
238
17
112
22
0
0
95
52
6
6
23
0
35
24
0
0
0
41
0
3
0
33
1yes
91
278
29
123
17
0
0
100
-7
7
8
19
0
32
-8
0
0
1
-8
4
1
0
63
0no
91
283
9
140
7
0
0
100
-7
7
8
7
1
29
-8
0
0
11
-8
2
1
0
60
0no
62
269
4
100
23
3
2
75
9
6
4
28
3
29
0
1
1
63
-8
8
-8
3
73
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
301
3
90
40
0
0
100
-7
7
8
41
4
25
-8
0
0
22
84
6
7
2
64
0no
81
204
7
64
13
0
0
93
59
6
6
14
3
14
5
0
0
11
-8
2
1
0
67
0no
87
172
14
72
13
0
0
100
-7
7
8
13
0
46
16
0
0
0
82
0
2
0
40
0no
77
146
11
64
11
1
1
92
-8
6
3
14
1
17
3
1
1
7
-8
2
1
0
75
1yes
77
324
7
76
31
0
0
100
-7
7
8
31
5
35
1
3
3
0
65
0
2
0
33
1yes
80
122
3
65
19
0
0
100
-7
7
8
19
2
42
2
1
1
18
73
2
3
0
83
0no
68
184
6
76
42
0
0
98
48
6
6
42
1
26
5
2
1
84
31
5
2
2
70
0no
84
238
4
121
15
0
0
100
-7
7
8
15
1
13
0
2
2
26
-8
4
1
0
56
0no
85
329
24
151
16
0
0
94
61
6
6
16
0
13
-8
0
0
2
77
1
1
0
29
0no
65
140
8
65
8
0
0
88
52
6
6
8
1
13
0
2
2
91
-8
2
1
2
75
0no
69
101
2
54
23
1
1
88
20
6
2
26
6
50
0
3
2
27
57
1
7
0
57
1yes
71
108
1
55
14
1
1
88
62
6
3
17
4
63
2
3
3
37
95
2
3
0
63
0no
74
182
7
84
27
0
0
96
5
6
6
28
2
33
15
0
0
8
87
6
3
0
64
0no
84
140
5
74
22
0
0
100
-7
7
8
24
2
14
0
1
1
36
22
1
2
0
30
0no
80
226
10
77
31
0
0
100
-7
7
8
31
2
16
9
1
1
19
12
2
2
0
40
0no
79
170
31
86
4
0
0
100
-7
7
8
4
0
25
-8
0
0
71
-8
3
1
1
100
0no
59
174
2
92
10
0
0
69
0
4
6
13
1
62
12
0
0
94
100
3
1
1
80
1yes
63
246
5
113
10
0
0
90
5
4
6
10
1
20
6
0
0
97
-8
5
1
4
86
1yes
69
323
5
95
25
2
2
93
1
0
2
27
1
26
16
0
0
0
-8
2
1
0
36
0no
63
496
5
81
28
2
2
91
4
4
6
37
3
27
5
0
0
54
88
14
4
0
82
1yes
68
108
5
60
13
1
1
100
-7
6
8
14
1
50
5
0
0
78
-8
2
2
1
100
0no
70
209
3
81
54
0
0
98
60
6
6
56
3
16
8
0
0
22
78
9
3
0
55
0no
63
123
2
43
28
0
0
90
4
4
6
29
8
62
1
6
6
0
-8
0
6
0
60
0no
62
187
2
68
27
7
5
79
32
6
3
33
4
24
2
3
3
4
80
1
5
0
32
0no
86
197
1
85
14
1
0
94
25
6
5
16
1
25
0
1
1
1
-8
1
1
0
38
0no
57
341
5
109
29
0
0
97
3
4
6
29
1
28
-8
0
0
67
50
9
4
5
76
1yes
83
150
9
64
27
0
0
100
-7
7
8
28
1
32
0
2
2
13
2
2
2
0
40
0no
73
188
4
83
31
0
0
100
-7
7
8
32
2
42
7
1
0
37
85
2
4
2
75
0no
74
338
17
111
17
0
0
53
4
4
6
20
0
30
0
1
1
6
-8
3
-8
0
43
1yes
65
101
2
25
7
1
1
100
-7
6
8
8
3
50
0
12
12
35
99
2
2
1
80
1yes
59
187
2
62
17
2
0
80
50
6
5
20
4
20
20
0
0
69
-8
9
1
3
85
1yes
75
285
6
111
10
0
0
100
-7
7
8
10
1
40
13
0
0
96
11
4
2
3
100
0no
70
281
8
77
26
0
0
92
34
6
6
27
1
35
-8
0
0
55
28
5
2
3
58
0no