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
84
133
1
77
28
0
0
100
-7
6
7
32
3
38
-7
2
2
32
76
1
2
0
60
0no
63
150
3
50
29
3
3
91
75
6
3
32
4
75
-7
6
6
33
90
1
7
1
73
1yes
75
172
8
83
28
0
0
93
2
4
6
28
3
43
-7
2
2
4
92
2
2
0
57
0no
73
250
6
143
22
0
0
95
19
6
6
22
1
32
-7
1
0
36
95
6
2
0
67
1yes
61
141
33
80
17
2
0
86
2
4
5
21
0
71
-7
1
1
51
45
2
3
0
100
1yes
58
129
2
23
21
0
0
100
-7
7
8
23
7
36
-7
4
2
74
74
8
4
2
93
1yes
79
54
4
21
7
0
0
100
-7
7
8
7
2
43
-7
2
2
9
74
2
3
0
100
1yes
58
214
20
122
6
3
2
54
2
3
3
13
0
62
-7
0
0
11
60
3
2
0
83
0no
90
235
16
141
13
0
0
100
-7
7
8
14
0
21
-7
0
0
10
-8
2
1
0
43
0no
62
184
2
65
24
3
2
82
73
6
2
28
6
50
-7
2
2
64
94
6
2
1
89
1yes
86
153
7
88
15
0
0
100
-7
7
8
15
1
27
-7
0
0
5
-8
2
1
0
43
0no
91
290
6
111
12
0
0
100
-7
7
8
12
1
17
-7
1
1
0
-8
1
-8
0
13
0no
53
325
21
114
24
0
0
80
0
4
6
26
0
24
-7
1
1
82
79
9
4
6
82
0no
79
192
10
69
18
0
0
100
-7
7
8
18
1
28
-7
1
1
24
78
5
2
0
78
0no
72
214
6
88
34
0
0
97
78
6
6
35
1
46
-7
3
3
59
31
5
4
2
90
0no
71
253
12
161
11
1
1
92
19
6
6
13
0
31
-7
0
0
97
30
4
1
1
100
0no
79
98
10
57
20
0
0
95
13
6
6
20
1
55
-7
1
1
4
63
2
10
0
80
1yes
90
172
30
84
9
0
0
100
-7
7
8
9
0
33
-7
0
0
4
-8
1
1
0
29
0no
77
232
9
74
18
0
0
100
-7
7
8
18
2
28
-7
5
5
13
77
2
3
1
63
0no
83
71
3
36
8
0
0
100
-7
7
8
8
3
38
-7
0
0
7
-8
1
1
0
40
1yes
87
236
2
74
20
0
0
100
-7
7
8
21
4
52
-7
1
1
9
101
1
2
0
43
0no
85
141
12
71
14
0
0
100
-7
7
8
16
0
21
-7
0
0
1
47
2
2
0
44
0no
74
143
4
58
20
0
0
100
-7
7
8
22
4
41
-7
4
4
26
40
5
3
2
57
1yes
66
92
2
59
4
2
2
83
25
6
6
6
1
83
-7
1
1
-8
-8
1
1
-8
100
1yes
73
193
14
90
11
1
1
100
-7
0
8
11
0
27
-7
0
0
1
-8
2
1
0
75
1yes
86
257
20
117
29
0
0
100
-7
6
7
29
0
45
-7
0
0
10
48
3
2
0
71
0no
82
351
11
101
30
0
0
100
-7
7
8
31
1
6
-7
0
0
8
50
8
1
1
39
0no
60
223
7
68
8
2
1
60
30
5
3
10
1
50
-7
0
0
89
87
3
3
2
86
1yes
72
248
23
115
19
2
1
88
21
6
2
24
0
29
-7
0
0
25
-8
3
2
0
56
1yes
65
254
7
103
48
0
0
96
19
6
6
49
4
39
-7
0
0
72
77
15
7
6
85
0no
68
88
15
49
15
1
1
100
-7
7
8
15
0
47
-7
0
0
87
83
3
3
0
100
1yes
70
181
5
65
61
0
0
97
58
6
6
61
6
39
-7
5
5
4
95
3
7
1
50
0no
68
156
4
75
31
0
0
94
12
6
6
35
1
37
-7
0
0
41
85
5
2
0
70
1yes
61
175
15
74
11
1
1
82
10
4
6
13
0
27
-7
1
0
71
77
3
1
2
80
1yes
64
200
5
68
41
0
0
88
4
4
6
42
4
24
-7
0
0
11
66
3
4
1
47
1yes
68
167
0
68
30
1
0
88
16
6
5
32
4
34
-7
2
2
25
31
4
2
0
43
1yes
54
87
2
22
33
0
0
100
-7
7
8
34
11
24
-7
5
5
38
90
17
2
2
79
1yes
84
264
29
117
9
0
0
100
-7
7
8
9
0
11
-7
0
0
11
-8
4
-8
1
80
0no
68
237
1
120
26
0
0
96
21
6
6
28
1
43
-7
4
4
64
26
9
3
2
75
1yes
86
323
5
71
33
0
0
100
-7
7
8
34
2
41
-7
1
1
6
87
2
3
0
31
0no
70
147
6
51
17
0
0
100
-7
7
8
17
3
59
-7
0
0
50
91
3
3
1
67
1yes
76
125
8
67
11
0
0
100
-7
7
8
12
2
42
-7
2
2
59
-8
2
1
0
100
0no
91
395
30
133
13
0
0
100
-7
7
8
13
0
15
-7
0
0
4
-8
2
1
0
33
0no
71
245
6
62
33
1
0
97
10
3
5
34
1
24
-7
0
0
19
56
7
3
0
50
0no
84
176
26
148
17
0
0
100
-7
7
8
18
0
39
3
2
2
22
88
2
2
0
50
0no
64
192
6
89
18
0
0
100
-7
7
8
18
3
17
2
2
1
68
48
10
2
4
93
0no
71
174
8
79
22
1
1
87
25
6
3
23
2
35
2
3
1
31
-8
4
3
2
64
1yes
73
242
4
86
17
0
0
76
40
6
6
17
2
53
9
0
0
39
86
1
4
-8
86
0no
69
147
3
65
38
0
0
100
-7
7
8
41
4
44
1
4
4
51
73
3
3
1
46
1yes
67
196
2
56
27
0
0
90
13
6
6
32
7
19
2
3
3
45
11
8
3
2
67
1yes
68
178
16
99
24
0
0
100
-7
7
8
25
0
56
1
2
2
86
69
5
3
3
80
0no
68
263
13
99
28
0
0
93
29
6
6
34
0
23
2
1
1
68
82
12
3
5
88
1yes
61
162
5
63
24
7
2
75
11
4
2
32
1
44
0
4
4
46
85
1
2
0
43
1yes
70
192
3
59
13
1
0
86
2
4
5
14
1
36
3
1
1
36
51
1
3
0
50
1yes
67
151
3
67
22
1
0
96
33
6
5
28
3
61
1
6
6
52
69
4
5
2
82
0no
54
109
9
59
31
1
1
94
2
4
2
33
2
38
0
3
3
62
-8
8
1
3
82
1yes
73
259
6
120
26
0
0
93
42
6
6
27
3
22
5
0
0
49
79
4
2
2
67
0no
85
94
4
32
6
0
0
100
-7
7
8
7
2
50
4
2
2
0
-8
0
-8
0
33
1yes
62
391
7
131
28
3
1
87
2
3
2
31
1
16
9
0
0
4
-8
4
1
0
54
0no
69
-8
3
65
29
1
1
94
18
6
6
35
3
11
5
0
0
2
-8
1
2
0
14
1yes
88
199
4
112
5
0
0
100
-7
7
8
5
1
40
3
1
1
5
98
3
1
0
100
1yes
71
78
4
38
18
1
1
95
55
6
2
21
3
32
6
0
0
27
-8
6
1
1
64
1yes
88
162
14
116
6
0
0
100
-7
7
8
6
0
17
13
0
0
2
-8
4
1
0
100
0no
63
241
9
73
32
0
0
100
-7
7
8
36
1
25
1
1
1
75
-8
6
-8
5
67
1yes
57
132
2
46
59
0
0
98
3
4
6
62
10
67
1
4
4
40
94
9
11
4
84
1yes
84
206
22
92
12
0
0
100
-7
7
8
12
0
67
21
0
0
0
12
0
2
0
50
0no
77
196
2
77
31
0
0
100
-7
7
8
32
5
41
2
2
2
18
92
5
2
2
70
0no
65
155
7
68
29
1
1
87
22
5
2
31
1
58
3
1
1
59
67
4
2
0
60
1yes
60
352
0
120
19
0
0
81
1
4
6
21
5
24
0
7
7
18
35
9
2
3
85
1yes
80
153
2
57
24
0
0
100
-7
7
8
27
4
50
3
3
2
21
65
3
2
0
75
0no
62
264
2
74
56
0
0
93
4
4
6
58
4
50
2
2
2
52
51
5
4
2
47
0no
80
233
1
57
30
0
0
100
-7
7
8
31
6
16
0
1
1
9
70
3
2
1
42
0no
92
330
1
119
10
0
0
100
-7
7
8
11
2
9
-8
0
0
1
53
1
1
0
33
1yes
75
181
4
63
30
0
0
100
-7
7
8
32
1
33
23
0
0
14
31
4
4
1
62
0no
89
191
7
84
22
0
0
100
-7
7
8
25
1
36
3
1
1
10
-8
2
1
0
60
1yes
83
263
1
84
36
0
0
97
-8
6
6
38
3
21
0
5
5
8
33
3
3
0
38
0no
58
222
8
93
17
6
2
69
18
5
5
26
4
65
0
3
3
71
39
2
4
1
75
1yes
66
124
1
54
20
0
0
95
36
6
6
21
2
5
3
4
4
54
-8
7
-8
2
64
1yes
80
177
1
64
33
0
0
100
-7
5
7
35
5
34
1
4
3
19
44
3
3
1
75
1yes
70
100
2
50
13
0
0
93
24
6
6
14
3
50
0
4
3
54
70
2
5
1
88
1yes
78
282
7
93
8
0
0
78
22
6
6
9
1
22
-8
0
0
31
-8
3
1
0
83
0no
78
208
5
98
35
0
0
97
-8
6
6
38
4
34
5
3
2
16
89
11
6
0
77
0no
75
184
4
88
5
0
0
83
11
4
6
6
1
0
1
3
3
57
-8
1
-8
0
33
1yes
55
116
2
51
21
2
0
83
64
6
5
24
3
54
1
1
1
81
79
7
2
2
82
1yes
75
231
7
83
28
2
2
97
78
6
6
30
2
77
1
1
1
10
73
2
3
0
63
0no
66
133
43
95
16
0
0
94
-8
6
6
17
0
71
0
5
4
30
-8
2
1
1
100
1yes
71
153
6
51
11
0
0
100
-7
7
8
11
3
0
5
0
0
45
-8
7
-8
1
64
0no
85
363
72
147
21
0
0
100
-7
7
8
23
0
10
-8
0
0
31
-8
2
1
0
60
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
64
82
6
43
20
1
0
90
7
4
5
21
1
43
3
7
4
62
91
7
4
1
73
1yes
61
283
6
71
46
0
0
96
1
4
6
47
2
23
0
2
2
30
-8
4
1
2
36
1yes
57
469
7
117
31
0
0
84
2
4
6
34
1
38
-8
0
0
33
65
7
3
3
73
1yes
72
199
15
83
20
0
0
80
37
6
6
20
0
45
14
0
0
54
90
1
2
1
75
0no
75
198
4
114
26
2
0
93
42
6
5
28
5
46
0
1
1
18
15
7
3
0
77
1yes
66
256
2
73
20
1
1
86
15
6
3
24
1
18
2
3
3
47
-8
5
1
3
67
1yes
56
239
3
112
25
5
1
78
4
3
5
32
3
63
1
4
3
35
65
6
4
-8
83
1yes
87
328
5
121
6
0
0
86
43
6
6
7
2
14
18
0
0
0
-8
0
-8
0
0
1yes
56
144
2
41
20
1
1
100
-7
6
8
23
4
61
0
8
8
74
100
7
3
3
83
1yes
80
255
3
55
23
0
0
100
-7
7
8
23
3
17
2
5
5
2
-8
2
1
0
20
0no
67
427
17
105
35
0
0
94
4
4
6
37
0
51
17
0
0
45
47
5
6
2
85
1yes