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
61
93
1
41
29
0
0
100
-7
7
8
31
4
20
1
9
8
39
56
10
2
3
71
1yes
56
91
4
53
35
0
0
94
9
4
6
36
7
20
0
2
1
59
28
11
4
3
75
1yes
91
451
20
207
9
0
0
100
-7
7
8
9
0
11
0
1
1
1
-8
4
-8
0
80
0no
66
8
1
4
1
0
0
100
-7
7
8
3
3
33
2
4
4
45
-8
1
1
0
67
1yes
77
177
1
59
41
0
0
100
-7
7
8
43
6
9
0
3
3
3
-8
8
1
1
33
0no
85
297
10
104
23
0
0
100
-7
7
8
23
1
26
0
1
0
3
56
3
4
0
50
0no
88
397
13
122
26
0
0
100
-7
7
8
26
0
0
0
0
0
9
-8
4
-8
0
20
0no
72
218
9
72
25
1
0
88
33
6
5
27
1
52
0
0
0
82
86
2
3
1
71
0no
70
189
6
112
25
0
0
100
-7
7
8
25
1
28
0
1
1
86
-8
9
1
5
92
1yes
77
233
7
56
24
0
0
96
12
6
6
24
2
8
0
0
0
33
-8
2
1
0
33
1yes
85
251
5
80
45
0
0
98
43
6
6
48
3
17
0
1
1
3
-8
2
1
0
20
0no
88
203
21
115
13
0
0
100
-7
7
8
13
0
23
0
0
0
0
37
1
2
0
60
0no
68
141
1
62
26
1
1
93
15
6
2
28
1
11
0
2
0
39
1
5
2
1
50
1yes
82
333
3
107
44
0
0
100
-7
7
8
44
4
34
0
1
1
6
87
6
6
0
60
0no
71
308
10
113
32
1
1
100
-7
6
8
32
1
34
0
1
1
23
-8
5
5
2
59
0no
76
98
9
58
15
0
0
69
6
4
6
16
1
44
0
1
1
2
-8
2
3
1
75
1yes
68
353
1
131
10
7
2
50
20
6
4
20
1
40
0
2
2
27
-8
2
2
1
50
1yes
78
361
1
115
24
0
0
100
-7
7
8
25
3
44
0
1
1
17
96
4
5
1
64
0no
85
216
26
89
14
0
0
100
-7
7
8
15
0
33
0
0
0
25
-8
2
1
0
50
0no
74
263
4
87
29
0
0
100
-7
7
8
29
3
41
0
0
0
31
82
6
5
1
73
0no
64
128
2
55
15
0
0
75
7
4
6
16
1
31
0
0
0
53
73
2
2
1
50
1yes
70
153
16
93
16
0
0
94
16
6
6
16
0
44
0
1
1
70
58
4
4
2
80
1yes
79
282
5
78
45
0
0
100
-7
7
8
47
3
23
0
0
0
9
57
1
5
1
46
0no
83
294
4
110
22
0
0
86
16
6
6
22
2
45
0
0
0
1
96
2
2
0
36
0no
80
400
13
123
34
0
0
100
-7
7
8
34
0
47
0
3
3
5
77
3
4
1
67
0no
88
176
5
72
13
0
0
100
-7
7
8
13
1
31
0
0
0
4
80
1
1
0
40
0no
77
68
11
31
7
0
0
100
-7
7
8
7
2
14
0
4
3
0
-8
0
-8
0
0
0no
83
205
3
105
7
0
0
100
-7
7
8
7
3
86
-8
0
0
-8
69
-8
3
-8
100
0no
79
275
0
91
13
0
0
86
6
4
6
14
3
29
6
0
0
0
-8
1
1
0
33
0no
78
77
7
37
11
0
0
100
-7
7
8
12
2
36
-8
0
0
37
20
4
2
0
75
0no
55
106
4
51
18
1
1
76
2
0
2
22
3
57
3
1
1
22
38
4
2
0
67
0no
59
307
86
223
6
2
2
63
16
6
6
8
0
25
-8
0
0
52
-8
3
1
1
80
0no
68
218
15
88
25
0
0
82
6
4
6
28
0
50
1
1
1
49
85
3
2
1
86
0no
72
391
14
95
15
0
0
87
19
6
6
15
0
27
-8
0
0
30
72
8
2
1
91
0no
76
115
2
60
25
0
0
100
-7
7
8
27
2
27
0
3
3
14
-8
5
2
1
58
0no
62
275
1
87
27
0
0
90
30
6
6
30
4
33
1
3
3
57
54
7
5
3
76
0no
88
385
10
159
17
0
0
100
-7
7
8
17
1
18
-8
0
0
9
-8
3
1
0
57
0no
76
393
1
112
40
0
0
100
-7
7
8
43
5
12
2
1
1
20
86
10
2
2
57
0no
69
345
2
89
30
0
0
100
-7
7
8
31
3
19
9
0
0
45
33
8
3
3
65
1yes
72
172
2
76
23
1
1
96
12
6
6
25
4
36
0
3
3
22
-8
3
3
1
46
0no
61
289
5
64
18
0
0
89
8
4
6
18
6
39
4
2
2
73
-8
4
-8
1
57
1yes
81
442
152
245
10
0
0
100
-7
7
8
10
0
0
-8
0
0
41
-8
7
-8
1
88
0no
62
137
31
68
9
1
1
78
16
6
6
9
0
33
19
0
0
12
43
1
2
0
75
1yes
79
272
19
102
24
0
0
100
-7
7
8
24
0
13
7
0
0
34
-8
4
1
1
42
0no
74
351
7
79
7
0
0
63
11
4
6
8
1
63
8
0
0
0
74
0
3
0
75
1yes
68
171
6
76
16
0
0
63
2
4
6
16
2
25
1
1
1
2
-8
2
2
0
40
0no
85
211
19
119
12
1
0
86
41
6
5
15
0
29
-8
0
0
5
-8
4
1
0
71
0no
68
299
6
135
24
0
0
96
25
6
6
25
1
29
5
0
0
55
77
8
2
2
71
1yes
62
341
16
87
12
1
0
93
2
4
5
14
0
14
7
0
0
56
89
6
1
2
78
1yes
83
190
26
102
32
0
0
97
52
6
6
33
0
19
2
1
1
2
20
2
3
0
42
0no
90
176
30
103
10
0
0
100
-7
7
8
10
0
10
-8
0
0
6
-8
2
1
0
60
0no
80
291
13
155
31
0
0
100
-7
7
8
31
0
6
0
1
1
21
80
7
1
1
42
0no
81
58
34
49
5
0
0
100
-7
7
8
5
0
80
-8
0
0
14
60
1
2
-8
100
0no
59
170
5
66
25
0
0
69
2
4
6
26
1
15
4
2
2
39
-8
8
1
1
56
1yes
62
343
3
154
16
9
4
60
28
6
2
25
2
20
0
3
3
59
-8
4
2
1
67
1yes
77
159
1
61
27
0
0
100
-7
7
8
31
6
6
0
8
8
10
-8
7
1
0
42
1yes
66
387
57
174
13
1
1
80
26
6
4
15
0
40
1
1
1
38
45
4
2
3
86
1yes
80
268
3
96
41
0
0
98
46
6
6
41
1
41
2
5
5
7
83
2
5
0
58
0no
74
197
8
93
49
0
0
100
-7
7
8
49
1
29
8
0
0
37
-8
6
2
1
53
0no
76
102
24
46
7
0
0
100
-7
7
8
7
0
100
23
0
0
-8
24
-8
3
-8
100
0no
78
341
3
94
34
0
0
100
-7
7
8
34
2
41
2
3
3
1
-8
3
2
1
38
0no
65
435
3
97
32
0
0
100
-7
7
8
34
2
18
0
8
8
70
-8
9
1
8
67
1yes
66
203
2
64
21
1
0
83
4
4
5
23
2
26
2
1
1
14
-8
3
2
0
38
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
89
404
55
170
7
0
0
100
-7
7
8
8
0
38
-8
0
0
0
-8
1
-8
-8
33
0no
71
271
7
99
25
1
0
92
56
6
5
26
3
31
7
0
0
81
90
3
3
2
64
0no
86
274
39
106
8
0
0
100
-7
7
8
8
0
50
-8
0
0
0
12
1
1
0
67
1yes
85
293
36
120
22
0
0
100
-7
7
8
22
0
41
-8
0
0
21
45
3
3
0
75
0no
85
239
5
82
18
0
0
100
-7
7
8
18
3
11
0
4
4
0
-8
0
1
0
13
0no
65
61
2
26
13
1
1
100
-7
6
8
14
3
36
1
1
1
57
32
8
3
1
92
0no
77
389
30
102
22
2
2
92
25
6
2
24
0
4
0
1
1
13
-8
5
-8
0
36
0no
67
166
3
61
24
0
0
96
44
6
6
24
3
54
1
3
3
74
63
5
4
3
100
0no
65
23
4
15
9
0
0
100
-7
7
8
9
3
67
1
3
2
84
76
2
6
2
89
1yes
84
283
12
95
13
0
0
100
-7
7
8
15
0
43
1
3
3
8
53
1
2
0
43
0no
67
25
0
9
3
0
0
100
-7
7
8
5
3
60
0
2
2
44
81
1
2
0
75
1yes
80
141
9
57
33
0
0
100
-7
7
8
33
2
24
8
0
0
6
-8
1
1
1
43
0no
61
82
2
44
24
0
0
100
-7
7
8
27
1
12
0
10
10
82
60
6
2
5
73
1yes
56
168
26
65
7
0
0
57
2
4
6
7
0
57
0
2
2
126
42
2
3
1
100
1yes
76
168
12
63
21
1
1
88
66
6
4
24
0
54
19
0
0
48
67
3
6
0
69
1yes
84
199
23
100
17
0
0
100
-7
7
8
17
0
18
-8
0
0
37
19
2
2
0
50
0no
73
397
2
113
40
0
0
98
39
6
6
41
5
37
10
0
0
26
79
8
4
0
71
0no
83
305
9
108
18
0
0
100
-7
7
8
19
3
17
9
0
0
24
-8
4
-8
0
80
0no
80
257
10
70
20
0
0
100
-7
7
8
20
1
20
2
1
1
1
61
4
2
0
55
0no
83
146
9
82
26
0
0
100
-7
7
8
26
1
19
20
0
0
21
70
4
2
0
58
0no
69
153
9
84
22
0
0
100
-7
7
8
22
1
14
1
4
4
71
72
6
2
1
80
0no
74
89
5
49
23
0
0
96
42
6
6
23
2
43
5
0
0
13
83
3
4
1
64
0no
86
272
7
150
17
1
0
94
81
6
5
18
1
11
6
0
0
7
-8
4
1
0
42
1yes
77
183
4
76
31
0
0
100
-7
7
8
32
3
9
3
1
1
34
-8
4
1
2
45
0no
89
151
20
87
14
0
0
100
-7
7
8
14
0
50
-8
0
0
9
-8
1
2
0
60
0no
88
322
7
109
14
0
0
100
-7
7
8
15
1
43
1
1
1
9
67
1
2
0
50
0no
89
441
75
194
12
0
0
100
-7
7
8
13
0
25
9
0
0
5
-8
2
1
0
43
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
73
187
11
77
24
0
0
100
-7
7
8
24
1
50
10
0
0
48
87
4
3
2
100
0no
57
148
3
55
43
0
0
86
4
4
6
43
5
47
7
0
0
48
84
9
4
0
81
1yes
84
151
7
85
14
0
0
100
-7
7
8
14
1
57
7
2
0
18
75
2
3
-8
100
0no
70
261
2
29
30
1
1
100
-7
6
8
31
8
42
2
1
1
6
98
3
3
0
40
1yes
83
265
6
83
16
0
0
100
-7
7
8
16
2
19
5
0
0
13
-8
1
1
0
22
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