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
82
142
19
91
27
0
0
100
-7
6
7
27
0
37
8
0
0
9
44
6
3
1
82
0no
83
267
19
90
16
0
0
94
37
6
6
16
0
19
16
0
0
4
60
1
1
0
40
0no
79
221
10
114
15
0
0
100
-7
7
8
18
1
33
1
1
1
36
50
2
2
1
57
0no
82
163
14
84
15
0
0
100
-7
7
8
17
0
53
9
0
0
29
89
2
2
0
67
0no
69
289
22
105
7
1
1
75
2
0
2
8
0
25
-8
0
0
2
-8
3
-8
0
100
0no
67
314
0
108
10
1
0
92
8
3
5
12
2
17
0
1
1
60
-8
5
1
2
75
1yes
70
217
0
80
29
1
1
97
40
0
2
33
2
29
1
1
1
55
10
9
3
1
86
1yes
83
202
14
89
12
0
0
92
39
6
6
12
0
58
1
1
1
17
76
2
2
-8
67
1yes
59
183
2
72
34
0
0
94
4
4
6
35
3
37
3
1
1
43
87
8
2
3
63
1yes
90
400
143
249
6
0
0
100
-7
7
8
6
0
0
24
0
0
0
-8
0
-8
0
0
0no
89
118
5
56
9
0
0
100
-7
7
8
9
1
22
6
0
0
0
-8
1
-8
0
17
0no
85
248
2
103
27
0
0
100
-7
7
8
29
3
31
1
2
2
16
-8
4
1
0
45
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
68
244
5
84
20
2
1
86
51
6
5
21
3
29
8
0
0
84
-8
4
1
3
56
1yes
81
174
31
101
8
0
0
100
-7
7
8
9
0
78
1
2
2
39
-8
1
1
0
100
0no
66
162
12
76
35
1
0
93
12
6
5
43
0
74
0
6
5
55
73
5
2
3
70
0no
61
123
39
63
10
0
0
73
3
4
6
11
0
36
-8
1
0
73
-8
1
1
1
33
1yes
87
210
20
97
16
0
0
100
-7
7
8
16
0
25
-8
0
0
19
-8
3
1
0
50
0no
63
192
1
80
21
0
0
86
15
6
6
24
3
14
1
1
1
44
71
12
1
3
81
0no
89
159
11
62
9
0
0
100
-7
7
8
9
3
22
11
1
0
2
-8
1
1
0
33
0no
64
78
2
44
20
2
1
91
38
6
5
22
3
27
1
7
7
64
55
3
2
1
71
1yes
74
107
4
59
22
1
1
96
71
6
2
23
1
17
3
1
1
23
26
2
2
1
44
0no
73
182
5
94
5
1
0
30
8
4
5
10
1
30
2
1
1
14
95
1
2
0
75
1yes
89
259
5
116
20
0
0
100
-7
7
8
21
3
38
4
2
2
1
82
3
3
0
55
0no
58
141
5
39
18
0
0
100
-7
7
8
18
1
33
0
3
3
96
82
7
4
5
100
1yes
68
125
29
91
13
1
1
88
23
6
2
17
0
47
-8
0
0
-8
-8
1
1
0
100
0no
86
170
37
106
12
0
0
100
-7
7
8
12
0
25
-8
0
0
18
-8
2
1
0
60
0no
67
164
1
56
39
0
0
98
72
6
6
40
4
50
0
3
3
61
18
3
3
2
78
1yes
68
114
32
60
19
0
0
100
-7
7
8
19
0
21
1
2
2
99
19
9
2
5
100
1yes
78
136
46
119
10
0
0
100
-7
7
8
10
0
20
2
1
1
49
32
5
2
1
88
0no
68
84
4
42
11
1
1
83
20
6
4
12
1
42
3
2
2
68
15
5
2
1
100
1yes
60
316
3
84
19
1
0
80
5
4
5
22
3
45
0
1
1
85
82
6
4
2
91
1yes
57
21
3
12
10
0
0
100
-7
7
8
10
5
90
6
1
0
76
83
1
1
-8
100
1yes
69
99
8
40
16
0
0
94
8
4
6
17
3
19
9
0
0
22
-8
5
-8
1
100
0no
71
200
4
75
36
0
0
97
67
6
6
36
2
44
2
3
3
55
-8
7
1
1
67
0no
79
210
10
94
44
0
0
98
19
6
6
45
1
27
0
1
1
8
48
3
3
0
38
0no
62
118
28
65
17
0
0
89
8
4
6
18
0
22
16
0
0
30
33
3
2
1
63
0no
66
142
9
46
5
1
1
83
38
6
2
6
1
17
4
3
3
49
-8
3
-8
1
100
1yes
62
171
15
64
3
1
1
60
29
6
4
5
0
60
4
1
1
113
-8
1
1
-8
100
1yes
72
206
6
65
43
0
0
100
-7
7
8
44
1
34
0
1
1
66
60
7
3
4
91
0no
69
119
4
39
38
0
0
100
-7
7
8
38
1
26
1
3
3
39
77
8
6
2
74
0no
73
74
27
48
3
0
0
100
-7
7
8
3
0
100
0
2
2
-8
98
-8
1
-8
100
1yes
80
211
9
73
28
0
0
96
30
6
6
28
1
39
0
2
2
5
82
4
2
0
60
1yes
81
245
6
82
40
0
0
100
-7
7
8
40
2
40
5
0
0
11
89
5
3
0
73
0no
67
206
1
83
12
3
2
93
46
6
5
14
3
29
2
1
1
60
-8
5
1
2
67
1yes
81
222
8
85
39
0
0
100
-7
7
8
41
3
34
7
0
0
44
18
4
2
0
55
0no
70
319
18
160
6
1
0
86
7
3
5
7
0
71
7
0
0
16
-8
1
1
0
100
1yes
82
69
21
41
10
0
0
100
-7
7
8
10
0
10
0
1
1
13
-8
1
1
0
67
1yes
73
339
2
89
33
2
1
92
36
6
3
38
5
32
2
2
2
23
72
6
4
1
77
0no
58
67
2
28
14
0
0
100
-7
7
8
15
3
7
1
2
2
69
-8
9
1
2
83
1yes
92
428
6
156
10
0
0
100
-7
7
8
11
1
9
-8
0
0
0
-8
1
1
0
40
0no
73
286
2
81
53
0
0
98
70
6
6
59
6
42
2
1
1
50
82
6
6
3
60
0no
57
212
2
87
29
1
1
94
61
5
6
32
4
47
0
5
5
57
69
6
2
2
73
1yes
60
168
5
86
11
0
0
73
5
4
6
11
2
18
-8
0
0
63
68
4
1
1
71
1yes
65
138
7
36
5
1
1
100
-7
6
8
5
3
40
1
2
2
79
-8
3
2
2
100
1yes
77
93
2
47
29
0
0
100
-7
7
8
33
7
48
2
5
5
22
90
3
4
0
78
0no
54
300
10
113
28
1
1
87
2
4
6
30
1
63
9
0
0
62
48
6
5
1
92
0no
66
79
7
42
15
0
0
100
-7
7
8
15
2
20
0
3
3
35
-8
6
-8
1
75
1yes
90
190
3
94
15
0
0
100
-7
7
8
15
1
27
3
1
1
3
-8
1
1
0
67
0no
72
203
1
44
33
0
0
100
-7
7
8
34
6
53
3
1
1
26
77
7
4
0
79
0no
62
214
22
94
41
1
0
67
2
4
5
52
0
65
2
3
3
7
66
4
4
0
53
1yes
77
165
3
71
30
0
0
100
-7
7
8
31
4
29
3
2
2
16
-8
3
2
1
38
0no
80
199
21
76
15
0
0
93
32
6
6
15
0
53
15
0
0
4
57
2
3
-8
83
0no
80
96
4
49
25
0
0
100
-7
7
8
25
3
32
0
1
1
3
77
6
3
0
64
1yes
86
205
1
82
21
0
0
100
-7
7
8
22
2
41
1
2
2
1
-8
1
1
0
33
0no
62
393
6
155
17
0
0
94
1
4
6
17
2
41
5
0
0
64
-8
8
-8
1
89
1yes
70
270
3
72
27
0
0
100
-7
7
8
47
2
29
3
1
1
89
33
7
2
6
75
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
76
109
10
50
14
0
0
100
-7
7
8
14
3
71
0
2
2
0
93
0
2
-8
40
0no
83
135
9
72
27
0
0
100
-7
6
7
27
1
48
3
1
1
16
75
1
3
0
44
0no
72
171
3
68
21
0
0
96
49
6
6
24
4
33
0
4
4
36
22
4
2
1
67
1yes
70
55
4
26
19
1
1
100
-7
6
8
19
4
32
3
1
1
15
68
3
1
1
33
0no
92
407
10
124
16
0
0
100
-7
7
8
18
1
17
9
0
0
1
-8
2
1
0
50
0no
67
143
2
51
27
0
0
97
56
6
6
31
4
69
1
5
5
57
95
5
4
2
90
1yes
86
225
4
79
14
0
0
100
-7
7
8
14
1
14
7
0
0
15
-8
2
-8
0
29
0no
68
146
4
80
25
0
0
88
28
6
6
26
3
23
3
5
5
33
95
1
2
-8
67
1yes
88
222
2
82
10
0
0
100
-7
7
8
11
1
45
1
1
1
3
30
2
2
0
57
0no
66
165
6
74
36
1
1
92
26
6
6
36
4
42
0
2
2
27
95
1
3
0
33
1yes
83
177
6
77
40
1
0
98
49
6
5
41
3
54
0
1
1
19
70
3
5
0
62
0no
77
157
33
82
17
1
1
94
18
6
2
18
0
33
14
0
0
2
-8
4
-8
0
50
0no
80
393
58
221
8
0
0
100
-7
7
8
8
0
0
19
0
0
51
-8
5
-8
2
100
0no
84
445
1
78
27
0
0
100
-7
7
8
29
3
17
15
0
0
7
-8
4
2
0
43
0no
59
320
5
115
13
1
1
73
1
0
2
15
1
20
-8
0
0
16
35
6
2
0
80
0no
67
142
3
69
31
1
1
92
7
2
4
38
2
34
3
5
4
32
39
6
3
-8
69
1yes
68
203
5
62
28
2
2
96
4
4
6
29
1
21
1
3
3
1
-8
2
1
1
25
0no
69
99
6
33
23
0
0
100
-7
7
8
32
3
21
0
7
7
33
95
3
3
1
43
1yes
77
496
39
177
17
0
0
95
8
4
6
20
0
65
3
2
1
4
-8
2
3
0
50
0no
65
125
7
65
12
3
1
65
8
3
4
18
1
35
0
5
4
22
-8
2
2
0
40
1yes
88
438
9
122
20
0
0
100
-7
7
8
20
1
50
0
1
1
1
-8
1
5
-8
55
1yes
61
80
2
26
18
0
0
100
-7
7
8
19
6
37
0
4
4
80
92
6
2
2
89
1yes
87
327
6
117
19
0
0
96
-7
5
7
23
3
43
5
0
0
9
-8
5
1
0
60
0no
56
172
5
84
21
2
2
88
2
1
3
24
1
46
3
2
2
41
53
10
4
2
88
1yes
81
95
3
63
13
0
0
100
-7
7
8
13
1
62
3
1
1
45
-8
2
2
0
100
0no
75
186
14
84
24
1
0
73
11
4
5
26
0
31
19
0
0
10
68
5
3
1
57
1yes
80
241
4
63
28
0
0
100
-7
7
8
28
6
18
0
4
4
5
-8
3
1
0
22
0no
90
177
14
74
13
0
0
100
-7
7
8
13
0
31
-8
0
0
6
-8
1
1
0
29
0no
84
170
18
86
19
0
0
100
-7
7
8
22
0
32
3
1
1
28
-8
2
1
0
50
0no
73
192
13
77
24
0
0
96
11
4
6
26
0
58
1
4
4
35
-8
2
2
0
80
1yes
58
230
4
70
14
2
2
82
4
4
2
17
1
47
1
2
2
44
83
4
2
1
86
1yes
76
141
11
68
14
0
0
100
-7
7
8
14
1
43
-8
0
0
67
88
4
2
2
86
0no