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
0no
65
72
11
32
20
0
0
100
-7
7
8
21
1
5
6
0
0
48
-8
6
-8
3
40
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
66
344
4
102
16
1
1
79
45
6
3
19
3
26
4
1
1
54
45
4
2
1
70
1yes
79
168
7
81
16
0
0
100
-7
7
8
18
1
44
4
1
1
0
46
1
2
1
57
0no
88
330
9
127
22
0
0
100
-7
7
8
23
1
14
-8
0
0
4
-8
2
1
0
27
0no
82
186
5
91
31
0
0
97
21
6
6
31
2
19
11
0
0
4
87
1
1
0
14
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
83
204
6
98
14
0
0
100
-7
7
8
14
3
21
6
0
0
27
-8
2
1
0
25
0no
72
296
56
128
18
1
1
95
9
0
2
19
0
37
1
2
2
18
-8
3
3
0
75
0no
86
292
5
114
20
0
0
100
-7
7
8
22
1
24
6
0
0
6
12
3
1
1
57
0no
70
434
79
207
5
1
1
100
-7
6
8
5
0
40
7
0
0
60
-8
2
-8
0
100
0no
68
114
3
52
20
0
0
85
32
6
6
22
6
5
2
2
2
22
-8
9
1
1
71
0no
91
294
41
117
18
0
0
100
-7
7
8
18
0
22
-8
0
0
6
-8
3
1
0
67
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
77
272
9
99
22
0
0
100
-7
7
8
23
1
14
-8
0
0
30
8
10
1
1
73
0no
64
224
2
89
36
1
1
87
7
4
6
41
3
38
0
8
7
76
24
4
6
2
71
0no
77
218
8
72
25
0
0
96
74
6
6
25
3
52
2
1
1
32
69
3
4
0
64
0no
86
158
3
74
13
0
0
100
-7
7
8
13
2
8
0
5
5
8
-8
3
1
0
44
0no
82
213
20
115
27
0
0
100
-7
7
8
27
0
22
19
0
0
38
80
3
3
1
75
0no
84
209
3
84
19
0
0
100
-7
7
8
20
2
30
2
5
5
0
51
2
3
0
63
0no
66
22
3
13
2
0
0
100
-7
7
8
2
1
100
3
1
1
-8
92
-8
1
-8
100
1yes
86
422
15
140
25
0
0
96
40
6
6
26
0
15
-8
0
0
6
21
1
3
0
24
0no
68
213
1
96
31
0
0
100
-7
7
8
33
2
18
1
3
3
81
76
15
2
7
95
1yes
88
217
7
94
12
0
0
100
-7
7
8
12
1
17
-8
0
0
6
-8
3
-8
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
0no
57
311
7
121
30
0
0
87
11
6
6
31
2
26
10
0
0
70
78
12
3
0
94
0no
66
220
28
119
6
0
0
57
1
4
6
7
0
0
7
0
0
17
-8
3
-8
1
75
1yes
88
386
6
123
27
0
0
100
-7
7
8
27
1
7
15
0
0
14
-8
4
1
0
36
0no
90
230
27
92
13
0
0
100
-7
7
8
14
0
54
-8
0
0
1
57
1
3
0
67
0no
80
193
8
88
25
0
0
100
-7
7
8
26
1
12
12
0
0
30
-8
3
-8
1
33
0no
75
74
6
46
17
0
0
100
-7
7
8
17
1
29
9
0
0
17
61
2
3
1
45
0no
59
207
4
80
31
2
2
91
4
0
2
35
1
37
3
2
1
74
-8
5
2
2
89
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
76
158
2
65
18
0
0
100
-7
7
8
19
2
26
1
1
1
28
67
3
3
1
67
0no
78
155
5
70
20
0
0
100
-7
7
8
20
1
20
0
1
1
41
22
2
3
1
63
0no
80
443
7
129
25
2
0
93
46
6
5
27
1
41
1
3
3
11
22
4
3
0
75
0no
66
272
3
91
27
1
1
89
5
4
6
29
3
11
1
5
5
20
-8
3
1
0
27
0no
86
199
6
67
10
0
0
100
-7
7
8
10
1
30
4
1
1
12
32
3
1
0
50
0no
84
454
4
141
29
0
0
100
-7
7
8
30
2
17
1
3
2
8
37
2
1
0
33
0no
64
280
2
129
9
3
2
69
8
1
3
13
1
15
4
1
1
37
44
6
1
1
70
0no
83
255
7
105
11
0
0
91
52
6
6
11
1
45
6
0
0
7
33
2
3
0
83
0no
73
175
51
115
6
1
0
50
27
6
5
8
0
50
1
4
4
13
-8
1
1
-8
100
1yes
63
33
4
15
11
0
0
82
0
4
6
11
6
9
5
0
0
13
-8
4
1
0
50
1yes
87
408
6
124
24
0
0
100
-7
7
8
24
1
17
-8
0
0
0
94
1
2
0
33
0no
72
25
16
22
5
0
0
100
-7
7
8
6
0
67
10
0
0
-8
83
-8
2
-8
100
1yes
91
355
18
200
8
0
0
100
-7
7
8
11
0
13
-8
0
0
8
-8
2
-8
0
40
0no
68
205
12
114
28
0
0
100
-7
7
8
29
0
11
2
1
1
63
-8
5
2
3
78
1yes
65
299
6
77
11
1
1
92
1
0
2
12
4
17
0
8
8
18
107
6
1
1
78
1yes
83
202
28
97
10
0
0
100
-7
7
8
10
0
20
1
1
1
0
46
0
2
-8
67
0no
43
165
15
80
20
6
4
61
1
3
3
28
0
11
2
2
2
93
-8
15
-8
7
100
1yes
76
162
7
81
15
0
0
100
-7
7
8
15
1
40
-8
0
0
54
-8
3
2
2
83
0no
85
181
6
99
15
0
0
100
-7
7
8
16
2
33
6
0
0
8
69
2
3
0
60
0no
71
107
2
42
23
0
0
92
40
6
6
24
3
67
2
4
4
34
91
6
4
1
83
0no
83
221
3
76
33
0
0
100
-7
7
8
35
3
21
4
1
1
7
61
3
3
0
29
0no
82
191
12
98
9
1
0
90
35
6
5
10
0
60
3
1
1
0
78
0
2
0
60
0no
60
186
3
71
19
1
0
70
11
4
5
24
1
48
18
0
0
53
22
4
4
1
89
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
70
327
4
82
37
0
0
100
-7
7
8
37
4
16
0
3
2
31
88
7
3
3
56
0no
87
292
42
155
13
0
0
100
-7
7
8
13
0
31
-8
0
0
8
-8
4
1
1
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
72
400
5
146
38
1
0
97
45
6
5
39
2
21
3
1
1
26
97
3
2
1
38
0no
60
319
22
157
15
3
1
48
3
4
4
21
0
19
2
2
2
55
63
7
2
0
100
0no
76
157
15
93
10
2
1
91
40
6
5
11
0
18
-8
0
0
0
-8
0
-8
0
0
0no
77
414
9
109
15
1
1
94
30
6
2
16
1
19
4
1
1
9
-8
2
-8
0
29
0no
88
335
74
123
12
0
0
100
-7
7
8
12
0
58
-8
0
0
0
49
0
2
0
40
0no
77
141
14
79
13
0
0
77
11
4
6
13
0
23
-8
0
0
4
-8
2
1
0
60
0no
88
232
15
110
28
0
0
100
-7
7
8
28
0
32
-8
0
0
5
72
3
2
0
63
0no
84
239
6
63
25
0
0
100
-7
7
8
27
4
37
0
5
5
7
-8
2
-8
0
20
1yes
69
187
2
98
29
0
0
97
25
6
6
30
3
37
2
2
2
33
74
7
4
2
73
0no
85
223
13
87
23
0
0
91
26
6
6
26
0
9
1
1
1
4
-8
4
1
0
50
1yes
71
225
3
102
43
2
2
96
34
6
4
63
2
32
0
5
5
30
62
5
4
0
77
0no
89
180
6
82
27
0
0
100
-7
7
8
27
1
26
-8
0
0
0
-8
1
1
0
25
0no
73
300
32
143
12
0
0
77
0
4
6
13
0
23
0
2
2
7
66
3
1
0
67
1yes
91
390
22
194
25
0
0
100
-7
7
8
25
0
24
-8
0
0
5
-8
4
2
0
86
0no
73
59
6
23
13
0
0
100
-7
7
8
13
4
8
9
0
0
46
-8
3
1
1
63
0no
73
356
8
165
7
1
1
86
59
6
6
7
1
29
-8
0
0
27
77
2
1
0
75
0no
90
203
2
99
14
0
0
100
-7
7
8
15
2
47
11
0
0
8
86
2
3
0
71
0no
92
399
43
150
30
0
0
100
-7
7
8
30
0
3
-8
0
0
1
-8
4
1
0
33
0no
68
219
18
127
20
1
0
91
4
3
5
23
0
14
4
1
1
21
91
4
3
1
88
0no
72
148
5
67
44
0
0
96
70
6
6
47
5
33
0
2
2
14
-8
5
5
0
73
0no
59
279
4
70
7
0
0
63
7
4
6
8
2
25
1
1
1
72
40
4
2
1
86
1yes
60
131
6
50
31
0
0
100
-7
7
8
31
2
35
10
0
0
75
54
14
5
8
95
0no
89
188
38
83
21
0
0
100
-7
7
8
21
0
29
-8
0
0
0
-8
0
1
0
13
0no
76
408
4
94
32
0
0
100
-7
7
8
32
2
16
8
0
0
35
48
5
4
2
47
0no
81
244
8
68
26
0
0
96
40
6
6
28
2
12
0
2
2
2
-8
1
-8
0
6
0no
89
225
3
81
11
0
0
100
-7
7
8
12
2
73
1
3
3
6
91
1
3
0
80
0no
77
191
3
91
16
1
1
94
9
1
3
17
2
35
12
0
0
9
94
2
2
0
44
0no
68
235
9
117
16
1
1
89
0
0
2
19
1
53
0
3
3
27
48
1
3
0
83
1yes
73
203
4
90
34
1
1
100
-7
6
8
34
3
12
5
0
0
1
-8
5
1
0
50
1yes
75
138
5
68
28
0
0
100
-7
7
8
29
2
54
2
1
1
0
82
1
14
0
79
0no
86
431
27
135
21
0
0
100
-7
7
8
21
0
38
-8
0
0
0
58
1
1
0
25
0no
86
144
21
93
7
0
0
100
-7
7
8
7
0
29
-8
0
0
12
-8
2
-8
0
67
0no
86
268
6
87
25
0
0
96
36
6
6
27
1
20
0
2
2
0
-8
1
-8
0
13
0no
90
152
28
107
3
0
0
100
-7
7
8
3
0
67
13
0
0
0
5
0
1
0
50
0no
77
289
3
86
51
0
0
100
-7
7
8
52
2
10
4
2
2
36
-8
2
1
2
16
0no
82
189
10
82
16
0
0
100
-7
7
8
16
1
44
3
1
1
12
-8
2
2
0
44
0no
67
220
7
61
30
0
0
97
32
6
6
30
5
53
1
4
4
50
70
6
9
2
88
0no
68
299
3
73
19
0
0
95
34
6
6
19
1
37
2
2
2
60
-8
5
1
3
60
1yes
79
261
4
121
14
0
0
93
61
6
6
14
2
7
0
2
2
11
-8
2
-8
0
50
0no