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
74
376
34
175
10
1
1
91
28
6
4
11
0
36
-8
0
0
71
53
3
2
1
100
0no
74
103
2
26
6
0
0
100
-7
7
8
8
4
38
0
3
3
36
-8
2
1
1
60
1yes
66
432
4
132
23
1
1
92
1
2
4
26
1
19
17
0
0
1
94
7
1
0
73
0no
91
425
61
127
14
0
0
100
-7
7
8
15
0
14
-8
0
0
3
-8
4
1
0
71
0no
62
170
8
78
53
1
1
100
-7
6
8
58
5
24
0
2
2
39
90
3
4
3
50
1yes
77
168
17
105
17
2
2
80
17
6
4
20
0
50
1
1
1
6
61
2
3
0
83
0no
68
82
6
25
5
0
0
100
-7
7
8
5
3
0
1
1
1
88
-8
3
-8
1
100
1yes
83
200
2
98
21
0
0
100
-7
7
8
22
2
36
4
2
2
20
-8
1
1
1
29
0no
70
126
5
49
49
0
0
100
-7
7
8
49
10
29
1
2
2
46
78
6
3
2
56
0no
81
137
1
56
22
1
0
92
36
6
5
24
3
21
7
0
0
3
-8
3
1
0
50
0no
61
205
3
77
34
1
1
86
3
0
6
37
3
31
5
3
3
26
64
5
5
0
71
0no
72
294
5
75
20
0
0
95
46
6
6
21
3
62
7
0
0
57
50
6
4
2
91
1yes
68
212
3
89
33
0
0
97
13
6
6
33
3
42
3
1
1
43
68
5
3
0
67
0no
78
191
7
81
29
0
0
100
-7
7
8
30
3
45
3
1
1
52
66
2
4
0
86
1yes
67
162
34
95
16
0
0
94
3
4
6
17
0
19
15
0
0
67
-8
2
1
1
60
1yes
88
166
3
92
10
0
0
100
-7
7
8
10
1
40
0
2
2
0
96
0
1
0
25
0no
80
223
5
96
25
0
0
100
-7
7
8
25
4
36
0
1
1
18
83
5
3
1
53
0no
69
71
9
38
11
1
1
100
-7
7
8
12
1
55
0
0
0
39
69
2
3
1
63
1yes
84
138
5
52
18
0
0
100
-7
7
8
18
1
44
0
1
1
9
67
5
4
0
69
1yes
69
122
6
52
13
3
3
92
74
6
6
16
2
92
0
1
1
52
97
1
4
0
100
1yes
68
169
3
74
9
2
1
73
33
6
2
11
1
45
0
1
1
10
101
1
2
-8
75
1yes
86
152
2
71
19
0
0
100
-7
7
8
20
1
50
0
4
4
2
-8
1
1
0
29
0no
65
388
4
51
11
1
1
100
-7
7
8
13
8
42
0
0
0
80
95
6
1
2
100
1yes
65
64
40
49
6
0
0
67
6
4
6
6
0
100
0
0
0
-8
72
-8
3
-8
100
1yes
56
165
15
93
34
0
0
94
2
4
6
36
0
39
0
2
2
85
48
16
6
11
96
1yes
77
318
2
172
16
0
0
100
-7
7
8
17
2
29
0
0
0
48
100
9
2
2
92
0no
55
89
18
45
13
2
2
87
2
0
2
15
0
13
0
0
0
37
-8
3
1
1
57
1yes
65
142
3
69
15
0
0
93
5
4
6
15
1
27
0
0
0
25
-8
4
1
3
50
1yes
77
85
20
56
14
0
0
100
-7
7
8
15
0
27
0
0
0
21
-8
5
1
1
75
0no
64
98
3
50
31
0
0
97
14
6
6
32
3
56
0
2
2
46
21
4
6
1
83
0no
67
258
1
101
60
0
0
95
27
6
6
61
4
33
0
9
8
36
62
7
3
0
59
1yes
74
270
11
105
10
0
0
80
-8
6
6
10
1
90
0
0
0
-8
-8
0
4
-8
80
0no
75
196
4
59
32
0
0
100
-7
7
8
32
5
50
0
0
0
11
84
4
3
0
44
1yes
68
207
6
69
20
1
1
90
8
4
2
21
2
33
0
0
0
75
85
5
3
2
80
1yes
61
132
8
69
3
1
1
80
12
6
2
5
2
100
0
0
0
-8
94
-8
2
-8
100
1yes
86
70
9
39
10
0
0
100
-7
7
8
10
1
10
0
0
0
0
-8
1
1
0
22
1yes
86
323
30
148
25
0
0
96
65
6
6
25
0
28
0
0
0
2
12
6
2
0
67
0no
79
161
8
83
17
0
0
100
-7
7
8
19
2
42
0
1
1
13
-8
5
1
1
86
0no
82
115
5
57
19
1
0
95
72
6
5
21
2
24
0
6
6
9
-8
2
-8
0
20
0no
58
118
5
48
23
3
2
73
15
6
5
28
7
77
0
1
1
2
100
1
3
-8
80
1yes
57
123
13
56
11
2
0
64
4
3
5
14
0
71
0
8
8
61
72
1
5
0
86
1yes
73
153
0
75
17
0
0
100
-7
7
8
18
4
33
0
2
2
87
95
2
2
1
57
1yes
76
201
13
87
18
0
0
100
-7
7
8
18
0
22
0
0
0
75
83
2
2
1
67
0no
60
188
31
136
12
1
0
65
4
4
5
17
0
47
0
3
3
51
54
4
2
1
100
1yes
69
243
6
79
14
0
0
100
-7
7
8
16
1
44
0
1
1
85
93
5
1
1
100
1yes
80
304
18
117
30
0
0
100
-7
6
8
32
0
25
0
0
0
49
55
8
2
0
67
1yes
70
137
50
89
8
0
0
100
-7
7
8
9
0
22
0
0
0
100
-8
3
-8
2
100
0no
60
107
7
51
24
0
0
100
-7
7
8
24
1
42
0
3
3
64
50
8
3
5
79
1yes
75
273
0
74
21
1
1
92
11
0
2
26
3
62
0
4
4
3
75
3
1
1
67
1yes
88
210
2
103
25
0
0
100
-7
7
8
26
1
31
0
0
0
27
-8
1
1
0
25
0no
60
142
18
82
12
3
2
59
5
4
4
18
0
47
0
2
2
2
19
1
2
-8
75
1yes
60
132
15
69
21
5
5
81
10
2
4
27
0
44
0
0
0
54
89
1
7
0
100
0no
64
57
11
39
10
1
0
75
20
6
5
13
1
42
0
1
1
68
88
2
4
1
86
1yes
71
76
5
34
9
0
0
89
37
6
6
9
4
11
0
0
0
53
-8
4
-8
1
67
1yes
73
209
11
84
22
1
0
87
29
6
5
23
1
43
0
1
1
6
84
2
2
1
31
0no
79
200
5
86
26
0
0
100
-7
5
8
30
1
67
0
1
1
57
97
4
2
1
100
0no
61
274
7
103
27
0
0
79
2
4
6
29
1
17
0
0
0
33
47
11
2
3
76
0no
76
136
1
57
20
0
0
100
-7
7
8
21
2
33
0
0
0
44
-8
5
1
1
60
1yes
64
144
2
63
18
2
2
85
72
5
3
21
3
50
0
6
6
60
80
2
5
1
78
1yes
59
32
10
23
3
1
1
100
-7
7
8
4
1
67
0
1
1
90
-8
1
1
1
100
1yes
80
318
4
74
22
0
0
100
-7
6
8
22
5
77
0
8
8
7
91
2
3
0
83
1yes
68
87
4
44
20
0
0
85
18
6
6
20
3
20
0
4
4
24
-8
8
2
0
77
1yes
72
139
6
51
11
0
0
91
-8
6
6
11
2
91
0
0
0
-8
80
-8
3
-8
100
1yes
82
589
3
213
6
0
0
100
-7
7
8
6
2
17
0
1
1
30
-8
3
-8
1
60
0no
76
138
5
48
20
0
0
100
-7
7
8
20
2
35
0
0
0
40
72
2
2
1
50
1yes
75
175
2
70
13
1
0
93
51
6
2
15
1
53
0
1
1
57
79
1
3
-8
57
1yes
65
53
4
27
16
0
0
100
-7
7
8
16
5
44
0
2
2
73
79
5
4
2
100
1yes
69
300
13
95
27
2
1
90
5
4
3
31
0
39
0
1
1
41
67
3
3
1
75
1yes
69
402
26
139
15
0
0
93
4
4
6
15
0
53
0
2
2
46
68
5
2
0
100
0no
81
93
13
50
9
0
0
100
-7
7
8
9
0
11
0
0
0
23
-8
2
1
0
60
0no
68
335
8
148
18
0
0
100
-7
7
8
18
1
22
0
1
1
89
73
9
1
7
91
1yes
77
277
6
71
10
0
0
90
-8
6
6
10
2
40
0
2
2
0
78
0
2
-8
33
1yes
55
108
6
42
18
1
1
83
1
4
6
18
1
50
0
9
9
83
62
7
2
4
90
1yes
72
152
2
62
9
1
1
100
-7
7
8
11
2
40
0
0
0
28
-8
1
1
0
40
1yes
57
285
2
106
17
1
1
68
3
4
6
20
1
37
0
2
2
63
62
6
3
1
82
1yes
73
445
15
125
12
0
0
83
21
6
6
12
0
42
0
1
1
55
-8
4
1
1
100
0no
87
483
7
222
12
0
0
100
-7
7
8
12
1
17
0
0
0
1
94
1
1
0
25
0no
70
156
3
76
16
0
0
100
-7
7
8
16
3
69
0
0
0
96
46
1
3
-8
67
1yes
64
184
6
130
5
1
1
83
2
0
2
6
1
0
0
0
0
10
-8
1
-8
0
40
1yes
64
187
16
85
16
0
0
78
4
4
6
18
0
17
0
0
0
52
-8
6
1
2
64
1yes
64
155
6
61
12
1
1
93
42
5
2
14
1
50
0
5
4
92
97
5
2
2
100
0no
78
313
4
80
24
0
0
100
-7
7
8
24
2
42
0
0
0
25
62
5
2
2
58
0no
79
132
4
57
18
2
1
90
40
6
3
20
2
35
0
1
1
14
86
2
2
0
80
1yes
67
121
11
40
14
0
0
100
-7
7
8
15
1
87
0
1
1
104
34
1
1
1
100
1yes
86
369
11
80
20
0
0
100
-7
7
8
20
1
35
0
0
0
12
-8
1
1
0
33
0no
69
51
13
27
4
0
0
100
-7
7
8
4
0
75
0
0
0
97
-8
1
1
-8
100
1yes
63
189
11
68
22
1
0
91
34
6
5
23
1
43
0
0
0
74
-8
7
2
3
69
0no
84
138
5
74
24
0
0
96
30
6
6
28
1
57
0
1
1
5
-8
3
1
0
57
1yes
59
208
18
88
28
0
0
96
22
6
6
28
0
25
0
1
1
82
76
7
2
6
83
1yes
82
168
16
94
10
0
0
100
-7
7
8
11
0
45
0
0
0
-8
-8
1
1
-8
100
0no
66
161
7
77
9
4
4
90
79
6
2
11
2
40
0
1
1
73
-8
4
1
1
83
1yes
54
90
6
37
13
2
2
86
7
2
4
15
1
57
0
0
0
66
58
4
5
1
90
1yes
81
165
12
95
17
0
0
100
-7
7
8
18
0
50
0
0
0
21
29
2
2
1
80
0no
64
153
8
55
8
2
2
78
7
4
4
9
2
22
0
0
0
28
-8
4
1
0
71
1yes
81
189
3
68
41
0
0
100
-7
5
8
43
3
37
0
6
6
27
95
3
3
0
86
0no
76
56
7
39
6
0
0
100
-7
7
8
6
1
17
0
0
0
21
22
3
1
1
67
1yes
74
183
3
75
13
0
0
100
-7
7
8
13
2
31
0
4
4
75
65
4
3
2
88
1yes
81
339
3
108
23
0
0
100
-7
7
8
24
2
46
0
0
0
33
63
4
4
1
80
0no
80
168
1
83
21
0
0
91
25
6
6
23
2
35
0
2
2
8
62
3
3
0
55
1yes
58
178
13
78
39
2
2
79
7
4
2
43
0
42
0
6
5
40
79
6
3
1
64
1yes