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
87
278
48
143
6
0
0
100
-7
7
8
6
0
0
0
0
0
12
-8
3
-8
0
100
0no
69
98
1
37
8
0
0
100
-7
7
8
12
5
42
0
2
2
51
91
3
2
1
71
0no
85
175
42
109
21
0
0
100
-7
7
8
23
0
35
0
0
0
19
-8
2
1
0
75
0no
65
259
39
121
8
1
1
67
5
4
2
9
0
11
0
1
1
34
-8
3
-8
-8
60
1yes
81
184
7
83
15
0
0
100
-7
5
8
16
3
44
0
2
2
53
-8
2
1
0
75
1yes
80
101
3
55
23
0
0
100
-7
7
8
23
1
17
0
1
1
1
-8
6
2
1
67
0no
59
85
2
43
16
0
0
94
56
6
6
17
2
24
0
6
6
70
89
7
3
4
83
1yes
69
50
5
32
15
0
0
100
-7
7
8
16
1
50
0
2
2
55
68
5
1
1
67
0no
59
178
16
87
16
4
2
71
19
6
4
22
0
48
0
2
2
96
59
2
3
1
75
0no
91
494
6
173
15
0
0
100
-7
7
8
15
1
0
0
0
0
1
-8
2
-8
0
29
1yes
79
192
16
88
19
0
0
100
-7
7
8
20
0
45
0
2
2
47
-8
1
-8
1
20
0no
69
125
2
50
32
0
0
97
32
6
6
34
4
32
0
1
1
44
83
6
3
2
53
0no
65
135
6
64
15
2
2
65
2
1
2
17
2
18
0
0
0
3
-8
2
1
0
50
1yes
93
425
63
179
6
0
0
100
-7
9
8
6
0
33
0
0
0
0
-8
0
-8
-8
0
0no
62
124
1
52
23
0
0
88
1
4
6
24
4
13
0
0
0
8
77
4
2
0
33
1yes
71
109
16
48
26
0
0
100
-7
7
8
27
0
26
0
3
3
26
64
4
2
1
38
1yes
78
312
29
176
6
1
0
86
62
6
5
7
0
14
0
0
0
37
-8
1
-8
0
50
1yes
69
87
5
35
15
0
0
67
12
6
6
15
2
60
0
2
2
0
76
1
2
-8
50
1yes
86
285
6
98
21
0
0
100
-7
7
8
23
1
48
0
3
3
14
86
2
2
0
57
0no
66
159
16
81
24
0
0
100
-7
7
8
25
0
12
0
1
1
81
-8
15
-8
9
83
1yes
54
117
7
63
18
2
1
77
3
4
5
23
1
41
0
0
0
26
93
3
2
1
50
1yes
69
127
7
64
31
0
0
97
12
5
6
32
3
28
0
8
8
74
69
7
2
3
75
1yes
68
183
15
65
14
0
0
75
8
4
6
16
0
56
0
0
0
75
-8
4
1
1
71
1yes
91
378
69
275
4
0
0
100
-7
7
8
4
0
0
0
1
0
4
-8
1
-8
0
33
0no
70
155
7
79
11
2
1
73
36
6
3
15
1
67
0
0
0
34
-8
1
1
0
100
1yes
59
30
2
12
2
1
1
100
-7
7
8
4
2
33
0
4
4
40
-8
1
1
0
67
1yes
59
162
5
85
19
0
0
85
2
4
6
20
2
35
0
0
0
89
-8
8
1
2
90
0no
63
97
9
44
9
7
6
71
58
6
2
17
4
29
0
4
4
69
-8
1
1
1
50
1yes
67
152
21
97
25
1
1
96
-7
5
7
26
0
35
0
7
6
59
-8
7
1
2
67
1yes
78
246
17
109
15
0
0
100
-7
7
8
15
0
40
0
0
0
71
-8
2
1
2
43
1yes
65
178
11
61
19
0
0
100
-7
7
8
19
1
58
0
1
1
93
73
6
4
4
91
1yes
74
65
2
34
6
0
0
100
-7
7
8
9
2
11
0
3
3
56
100
2
1
1
75
0no
75
91
3
39
19
0
0
100
-7
7
8
19
2
37
0
4
4
27
62
3
5
0
80
0no
77
278
0
73
15
0
0
94
38
6
6
16
2
31
0
0
0
22
-8
6
1
2
64
1yes
64
363
8
150
12
0
0
93
6
4
6
14
1
36
0
0
0
69
64
4
1
2
83
1yes
73
141
8
75
19
0
0
100
-7
7
8
19
1
42
0
0
0
99
91
1
2
1
100
1yes
60
240
60
135
11
1
1
67
4
4
6
13
0
8
0
4
4
20
-8
4
-8
1
67
1yes
65
165
7
67
26
1
1
93
4
4
4
27
2
15
0
0
0
32
93
12
3
1
75
1yes
86
326
6
90
32
0
0
100
-7
6
8
37
2
51
0
0
0
4
80
4
3
1
64
0no
62
118
6
56
13
1
1
73
5
4
6
16
1
33
0
1
1
39
18
2
2
0
80
1yes
74
185
7
79
25
0
0
100
-7
7
8
25
3
44
0
1
1
47
93
7
3
2
67
1yes
70
116
12
62
14
2
1
83
14
6
4
18
0
17
0
2
2
70
-8
5
1
2
88
1yes
70
196
2
56
25
0
0
100
-7
7
8
27
4
30
0
3
3
34
79
4
4
1
47
1yes
66
173
8
58
17
2
1
85
2
0
2
20
4
45
0
0
0
7
68
3
2
0
75
0no
73
138
5
76
5
1
1
75
25
6
4
8
1
63
0
2
2
0
92
0
2
-8
67
0no
56
115
4
68
16
10
10
48
5
0
2
33
2
30
0
24
24
19
74
1
4
1
56
1yes
87
140
16
79
16
0
0
100
-7
7
8
17
0
18
0
0
0
3
-8
1
1
0
22
0no
68
132
2
60
19
1
1
100
-7
6
8
20
2
35
0
2
2
43
95
6
2
0
89
1yes
75
121
5
59
25
0
0
100
-7
6
8
25
2
40
0
5
5
89
95
2
2
2
67
1yes
66
198
3
46
10
0
0
90
19
6
6
11
2
60
0
3
3
60
86
2
2
1
67
1yes
76
150
7
70
33
0
0
97
-8
6
6
33
1
27
0
0
0
32
45
5
4
1
64
0no
68
350
14
88
10
4
3
92
79
0
5
13
0
42
0
3
3
29
-8
4
1
0
83
1yes
68
359
9
98
21
0
0
81
4
4
6
21
1
43
0
0
0
26
76
4
4
0
67
1yes
72
131
7
57
24
0
0
100
-7
7
8
24
2
25
0
0
0
28
42
6
2
2
50
0no
64
139
3
40
23
0
0
100
-7
7
8
23
4
43
0
0
0
73
73
5
5
1
91
1yes
56
4
4
4
1
1
1
100
-7
7
8
2
1
100
0
2
1
-8
100
-8
1
-8
100
1yes
88
161
7
92
24
0
0
100
-7
7
8
25
1
40
0
0
0
11
-8
2
1
0
43
0no
62
62
5
40
13
1
1
79
9
2
4
14
1
50
0
0
0
66
89
3
2
1
71
1yes
60
132
15
73
18
2
1
81
7
4
3
21
0
38
0
0
0
55
68
3
2
3
56
0no
72
224
23
91
23
1
0
96
49
6
5
24
0
29
0
0
0
48
60
3
2
0
56
0no
64
120
3
44
2
1
1
67
74
6
2
3
2
0
0
2
2
44
-8
2
-8
1
100
1yes
71
80
6
45
27
0
0
100
-7
7
8
27
1
33
0
0
0
43
96
3
3
1
46
1yes
81
183
21
88
27
0
0
100
-7
7
8
28
0
29
0
2
2
9
32
4
2
1
60
0no
60
59
3
31
14
0
0
93
-8
6
6
14
4
36
0
5
4
57
48
8
4
1
100
1yes
73
124
1
31
9
0
0
91
78
6
6
11
5
45
0
2
2
10
94
2
2
-8
67
1yes
52
169
4
87
32
0
0
84
5
4
6
37
4
32
0
3
3
92
-8
7
2
3
83
1yes
79
334
2
76
21
0
0
100
-7
7
8
22
4
27
0
3
3
35
88
6
2
1
73
1yes
74
158
13
72
27
0
0
100
-7
7
8
27
0
41
0
0
0
70
62
3
2
2
63
0no
79
144
13
55
22
0
0
100
-7
7
8
22
0
41
0
0
0
42
56
2
4
0
60
0no
75
224
4
63
18
1
0
84
10
4
5
19
5
26
0
0
0
15
-8
4
1
1
56
1yes
51
162
35
73
4
1
1
50
1
2
4
6
0
33
0
0
0
43
11
1
1
0
50
1yes
63
208
3
42
8
0
0
100
-7
7
8
8
3
88
0
3
2
165
92
1
4
-8
100
1yes
62
89
4
30
17
0
0
100
-7
7
8
17
3
47
0
0
0
82
75
7
3
4
100
1yes
59
137
8
62
16
1
1
100
-7
7
8
18
3
59
0
1
1
58
93
2
1
1
100
1yes
78
176
2
64
27
1
0
93
15
6
5
29
2
24
0
3
3
12
94
4
2
0
40
0no
59
134
17
83
8
2
0
42
1
4
5
12
0
67
0
3
3
77
-8
1
1
1
100
1yes
78
284
3
81
30
0
0
100
-7
6
8
32
3
50
0
1
1
43
24
6
2
0
89
0no
85
259
7
78
11
0
0
100
-7
7
8
11
1
36
0
0
0
6
86
2
2
0
50
0no
60
63
4
21
16
0
0
88
39
5
6
16
5
38
0
5
5
74
94
6
4
1
92
1yes
55
25
5
10
5
0
0
100
-7
7
8
6
4
17
0
1
1
97
36
4
1
3
100
1yes
73
131
6
54
11
0
0
100
-7
7
8
11
1
27
0
2
2
76
98
5
1
2
100
0no
68
94
2
44
13
1
1
89
16
6
4
19
5
42
0
3
3
7
100
2
3
0
50
0no
65
330
1
113
17
2
2
89
25
6
6
21
2
16
0
1
1
54
100
5
1
2
78
1yes
58
158
5
67
9
0
0
82
4
4
6
11
1
45
0
1
1
76
57
2
2
1
80
1yes
69
187
2
88
11
0
0
100
-7
7
8
15
2
53
0
2
2
86
-8
4
1
3
100
1yes
81
199
4
94
36
0
0
100
-7
7
8
36
2
53
0
4
4
9
11
2
7
0
50
0no
63
285
1
65
37
10
9
85
56
5
2
52
3
55
0
14
13
16
80
5
9
0
74
1yes
77
216
4
91
39
0
0
100
-7
7
8
41
3
29
0
3
3
46
83
8
5
0
68
0no
85
346
3
68
35
0
0
97
-8
6
6
39
7
36
0
3
3
1
64
1
3
0
25
0no
60
104
26
45
3
2
1
50
3
4
2
8
0
50
0
2
2
29
39
1
2
0
100
1yes
66
278
8
66
6
2
0
75
45
6
5
8
2
75
0
4
4
47
86
1
2
0
100
1yes
80
323
12
149
14
0
0
100
-7
7
8
14
0
14
0
0
0
70
-8
2
1
0
100
0no
89
423
18
110
13
0
0
100
-7
7
8
13
0
15
0
0
0
2
59
2
1
0
43
0no
58
264
13
78
24
0
0
92
1
4
6
25
0
28
0
5
4
70
23
13
2
5
94
1yes
65
77
13
52
11
3
3
83
44
6
4
14
0
58
0
0
0
71
-8
2
1
2
60
1yes
75
159
8
71
12
0
0
83
18
6
6
12
1
42
0
1
1
0
100
0
2
-8
67
1yes
93
366
19
193
7
0
0
100
-7
7
8
8
0
13
0
0
0
1
-8
2
-8
0
33
0no
68
144
7
45
10
0
0
100
-7
7
8
10
2
50
0
2
2
89
71
3
2
2
83
1yes
69
111
20
65
14
2
2
93
35
6
6
17
0
33
0
0
0
11
73
1
1
-8
67
0no
66
145
22
74
10
0
0
82
15
6
6
11
0
27
0
1
1
74
-8
3
1
2
80
1yes