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
441
7
114
20
0
0
100
-7
7
8
21
2
30
-7
3
3
3
50
2
1
1
33
0no
86
255
12
120
19
0
0
95
-8
6
6
26
0
40
-7
4
4
4
-8
3
-8
0
43
0no
66
133
11
128
14
1
1
80
8
4
2
15
1
60
-7
0
0
44
84
4
2
1
100
1yes
64
116
11
53
18
2
2
90
54
6
3
20
1
45
-7
1
1
72
65
6
5
2
100
0no
79
138
4
56
26
0
0
100
-7
7
8
27
3
19
-7
0
0
12
-8
4
2
0
70
0no
67
95
25
64
13
1
1
100
-7
6
8
13
0
85
-7
0
0
79
-8
2
1
1
100
1yes
62
173
14
86
14
0
0
86
5
4
6
15
0
50
-7
0
0
74
1
3
2
3
71
0no
66
74
15
43
13
0
0
100
-7
7
8
14
0
23
-7
0
0
68
64
5
1
3
75
0no
50
211
15
98
15
3
1
48
2
4
5
21
0
19
-7
1
1
23
23
2
2
0
31
1yes
64
209
10
110
21
2
1
92
14
6
5
24
1
42
-7
3
3
57
80
4
2
2
100
1yes
70
159
7
113
14
1
1
89
11
4
6
19
1
26
-7
0
0
13
76
3
2
0
83
1yes
45
56
10
35
4
3
3
75
2
0
6
4
1
25
-7
4
4
68
69
1
1
0
50
1yes
67
257
17
111
16
1
0
68
5
3
5
19
0
37
-7
1
0
17
56
4
2
0
60
1yes
85
253
11
106
17
0
0
100
-7
5
7
19
1
32
-7
3
3
34
-8
3
1
0
80
0no
87
177
1
58
10
0
0
100
-7
7
8
11
2
36
-7
0
0
2
100
2
2
0
67
0no
70
121
5
37
11
0
0
100
-7
7
8
11
3
18
-7
0
0
84
70
5
2
3
88
1yes
77
243
2
113
26
0
0
100
-7
5
7
29
2
31
-7
1
1
36
82
8
3
2
69
0no
72
74
8
39
14
0
0
86
18
6
6
14
1
64
-7
2
1
7
92
2
1
-8
75
1yes
89
379
156
257
3
0
0
100
-7
7
8
3
0
33
-7
0
0
0
-8
0
-8
-8
0
0no
89
167
8
79
25
0
0
100
-7
7
8
28
2
39
-7
0
0
3
92
1
3
0
44
0no
60
184
4
69
35
2
2
100
-7
6
8
35
6
26
-7
5
5
66
42
12
4
10
70
1yes
56
106
2
31
40
0
0
100
-7
7
8
41
10
46
-7
11
11
57
86
14
6
3
87
1yes
69
182
19
136
10
1
1
54
9
4
4
13
0
38
-7
0
0
46
55
1
2
1
43
1yes
83
50
15
27
8
0
0
100
-7
7
8
9
0
63
-7
1
1
10
90
2
2
0
80
1yes
63
66
9
52
3
1
1
75
6
4
6
4
1
75
-7
1
1
71
132
1
1
0
100
1yes
82
178
4
73
18
0
0
95
-8
6
6
20
3
40
-7
4
4
4
44
3
2
0
63
0no
63
80
7
55
31
0
0
100
-7
7
8
46
1
13
-7
4
4
58
-8
11
1
4
80
1yes
74
129
1
70
20
0
0
100
-7
7
8
22
3
32
-7
0
0
61
84
6
3
4
75
1yes
81
158
4
87
34
0
0
100
-7
6
7
36
6
31
-7
5
5
19
93
7
3
0
63
0no
73
246
7
105
22
0
0
91
13
6
6
23
1
32
-7
0
0
19
-8
4
1
0
38
1yes
69
165
9
49
24
0
0
100
-7
7
8
24
2
33
-7
0
0
45
63
6
2
1
80
1yes
64
117
5
61
18
1
0
74
15
6
5
19
3
47
-7
2
2
70
98
3
2
0
83
1yes
76
282
3
64
39
0
0
100
-7
7
8
40
3
28
-7
0
0
14
86
6
1
2
44
0no
68
160
6
71
26
2
1
84
37
6
5
31
3
45
-7
0
0
0
-8
0
1
0
25
1yes
76
346
21
120
27
0
0
100
-7
7
8
27
0
37
-7
0
0
68
57
5
2
2
88
1yes
67
93
2
36
19
2
2
100
-7
7
8
21
4
80
-7
4
3
24
75
2
5
0
88
1yes
64
151
9
65
30
1
1
100
-7
6
8
31
1
19
-7
1
1
56
21
10
3
5
76
1yes
61
243
10
104
20
0
0
86
2
4
6
22
1
36
-7
0
0
90
89
4
3
2
100
1yes
82
252
51
191
13
0
0
77
21
6
6
13
0
8
-7
0
0
4
-8
1
1
0
38
0no
59
185
23
79
35
0
0
97
9
4
6
37
0
9
-7
2
2
73
-8
11
1
9
86
1yes
82
145
11
77
45
0
0
100
-7
6
7
45
1
69
-7
0
0
13
52
5
10
0
71
1yes
69
192
2
106
27
3
1
88
15
5
4
32
5
53
-7
2
2
15
23
4
4
0
67
1yes
85
176
3
71
29
0
0
100
-7
6
7
32
3
34
-7
4
4
1
-8
2
1
0
50
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
302
10
99
28
0
0
100
-7
7
8
28
1
18
-7
0
0
12
79
3
2
1
50
0no
84
247
5
84
22
0
0
100
-7
6
7
22
2
50
-7
2
2
25
90
4
2
0
86
0no
54
188
1
73
35
0
0
87
0
4
6
38
4
66
-7
13
12
103
97
5
5
4
71
1yes
63
153
1
106
9
4
4
67
22
6
2
15
1
47
-7
2
1
0
100
0
1
-8
50
1yes
68
156
6
46
10
1
0
91
-8
6
5
11
2
27
-7
2
1
74
89
4
2
3
75
1yes
63
203
4
78
40
0
0
98
63
6
6
42
4
55
-7
5
5
80
88
3
4
2
70
1yes
67
48
18
38
2
1
0
67
6
3
5
3
0
0
-7
3
3
5
-8
1
-8
0
50
1yes
71
226
5
76
44
0
0
100
-7
7
8
46
2
24
-7
3
3
70
65
4
3
2
78
0no
88
206
2
108
36
0
0
100
-7
7
8
38
1
19
-7
1
1
1
46
4
3
0
44
0no
69
150
3
78
34
1
1
91
70
6
2
35
3
20
-7
4
4
27
100
4
1
1
45
0no
82
199
9
97
18
0
0
94
28
6
6
18
2
17
-7
0
0
17
80
5
1
0
60
1yes
69
155
3
52
31
0
0
100
-7
7
8
31
1
29
-7
2
2
51
98
3
3
2
46
1yes
67
160
4
49
27
0
0
97
48
6
6
29
6
45
-7
5
5
30
76
5
2
0
70
0no
69
79
16
50
12
2
2
100
-7
6
8
13
0
75
-7
2
2
22
81
2
4
0
100
1yes
85
109
35
73
4
0
0
100
-7
7
8
5
0
0
-7
1
0
2
-8
1
-8
0
33
0no
87
228
2
77
30
0
0
100
-7
7
8
31
3
10
-7
4
4
6
100
7
1
0
38
1yes
76
191
3
76
18
0
0
100
-7
7
8
18
3
50
-7
1
1
67
66
5
4
1
90
1yes
61
142
7
74
24
2
2
81
14
6
2
27
1
70
-7
1
1
51
84
4
3
1
88
1yes
83
185
12
103
13
0
0
92
77
6
6
13
0
15
-7
0
0
7
-8
4
1
0
83
0no
75
133
10
59
12
1
0
77
46
6
5
14
2
54
-7
0
0
60
15
3
3
0
86
1yes
60
162
32
81
7
2
2
78
2
4
4
10
0
56
-7
0
0
102
-8
2
-8
1
67
1yes
69
193
4
68
29
1
1
87
54
6
4
30
4
50
-7
10
10
60
67
2
6
1
89
0no
71
243
2
65
29
0
0
97
5
4
6
30
6
10
-7
0
0
4
95
5
2
0
47
1yes
65
79
22
54
6
1
0
75
8
4
5
8
0
38
-7
1
1
77
-8
4
1
0
100
1yes
78
124
6
67
25
0
0
100
-7
7
8
25
1
28
-7
0
0
13
-8
4
1
1
45
0no
68
190
3
64
13
1
0
71
34
6
5
14
2
29
-7
2
2
37
44
8
2
0
91
1yes
62
149
17
64
11
2
1
83
18
6
5
12
0
33
-7
0
0
35
28
3
2
0
63
1yes
70
252
2
79
50
0
0
98
24
6
6
56
4
32
-7
7
7
28
65
3
5
1
40
0no
84
307
0
86
18
0
0
95
75
6
6
19
4
21
-7
1
0
7
5
4
2
0
43
1yes
66
102
7
52
35
1
1
100
-7
6
8
35
2
49
-7
1
1
87
76
5
3
3
80
1yes
68
41
4
23
7
1
1
100
-7
6
8
7
2
14
-7
2
2
18
6
4
1
0
71
1yes
59
117
3
98
14
1
1
87
3
4
6
15
2
53
-7
1
1
4
97
2
2
0
100
1yes
80
136
3
49
24
0
0
100
-7
7
8
25
2
20
-7
2
2
11
-8
2
1
0
38
0no
74
198
6
80
22
0
0
100
-7
7
8
22
3
27
-7
1
1
59
53
4
2
3
67
0no
60
201
2
75
25
1
0
93
3
3
5
28
3
32
-7
5
5
59
64
6
4
3
71
1yes
89
122
5
60
44
0
0
100
-7
6
7
56
3
79
-7
3
3
2
97
1
4
0
63
0no
62
197
7
60
43
0
0
100
-7
7
8
54
1
44
-7
1
1
103
70
14
11
4
100
0no
80
261
8
104
22
0
0
100
-7
7
8
22
1
59
-7
1
1
39
76
3
2
1
71
0no
80
136
15
63
11
0
0
91
21
6
6
11
0
36
-7
1
1
19
54
2
3
0
71
0no
70
23
1
12
2
0
0
100
-7
7
8
3
1
67
-7
1
1
0
97
0
2
-8
67
1yes
62
165
7
71
28
1
1
86
20
6
6
29
3
41
-7
6
6
39
50
4
2
0
60
1yes
82
78
3
36
26
0
0
100
-7
7
8
26
3
8
-7
0
0
1
-8
1
1
0
11
0no
79
190
3
53
27
0
0
100
-7
7
8
28
2
4
-7
0
0
55
-8
2
-8
1
50
1yes
79
164
2
102
23
1
0
96
34
6
5
29
3
15
-7
2
2
9
-8
4
-8
1
44
1yes
74
183
5
77
11
1
1
92
70
6
3
12
2
17
-7
1
1
58
26
6
1
0
78
1yes
90
234
6
128
32
0
0
100
-7
7
8
32
2
38
-7
0
0
1
78
2
2
0
57
0no
85
132
3
76
16
0
0
100
-7
7
8
18
1
50
-7
1
1
10
-8
3
1
0
57
1yes
66
-8
7
63
23
0
0
96
31
6
6
25
3
24
-7
0
0
73
47
8
3
4
85
1yes
64
254
2
95
75
2
1
95
4
4
3
82
2
67
-7
2
2
21
55
5
15
3
77
1yes
80
382
4
90
21
0
0
95
69
6
6
21
3
0
-7
0
0
0
-8
3
-8
2
23
0no
79
199
10
179
27
0
0
100
-7
7
8
27
1
26
-7
3
3
25
52
3
2
1
38
0no
74
97
1
39
11
1
0
92
26
6
5
14
6
31
-7
0
0
36
-8
4
1
0
63
1yes
84
97
1
47
36
0
0
100
-7
5
7
39
1
5
-7
1
1
3
-8
4
1
0
26
1yes
70
153
11
85
9
1
0
80
26
6
5
10
1
50
-7
0
0
68
74
2
2
2
67
1yes
64
331
6
93
30
0
0
83
1
4
6
32
2
23
-7
5
5
3
89
3
3
1
40
1yes
88
199
9
83
17
0
0
100
-7
7
8
17
1
24
-7
0
0
0
70
0
2
0
50
1yes