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
75
262
10
79
40
0
0
100
-7
7
8
41
2
46
4
1
1
33
67
6
4
0
77
0no
63
268
2
81
20
0
0
82
4
4
6
23
3
45
12
0
0
50
100
6
3
1
82
0no
86
201
14
87
17
0
0
94
21
6
6
18
0
33
0
1
1
1
-8
2
1
0
33
0no
84
170
4
67
16
0
0
100
-7
7
8
17
4
53
4
2
2
1
68
1
4
0
56
0no
74
167
3
67
18
0
0
89
22
6
6
21
4
26
6
0
0
12
22
5
3
0
73
1yes
86
467
10
123
25
0
0
96
17
6
6
26
1
31
9
0
0
3
34
4
1
0
50
0no
67
152
3
58
24
1
1
100
-7
6
8
24
1
29
0
1
1
30
-8
3
-8
3
43
1yes
73
354
13
80
25
0
0
100
-7
7
8
25
0
8
15
0
0
36
-8
10
1
2
61
0no
65
156
3
79
29
1
1
100
-7
6
8
33
3
45
2
3
3
32
49
4
2
1
67
0no
82
274
5
104
38
0
0
100
-7
7
8
40
2
25
3
2
2
29
-8
5
1
1
60
0no
61
199
9
85
24
0
0
100
-7
7
8
24
1
25
6
0
0
80
-8
5
-8
4
63
1yes
72
546
5
98
25
0
0
85
4
4
6
31
3
19
6
0
0
6
-8
4
1
0
43
1yes
65
192
8
76
35
0
0
94
17
6
6
35
2
26
0
1
1
39
84
7
3
4
53
1yes
90
332
8
104
18
0
0
100
-7
7
8
20
1
75
-8
0
0
4
90
1
2
0
100
0no
56
305
4
97
8
2
1
73
1
4
4
11
1
36
0
5
5
15
96
5
4
1
100
1yes
74
184
3
76
31
0
0
97
38
6
6
35
1
9
1
2
2
44
11
5
2
1
78
0no
87
185
3
80
22
0
0
100
-7
7
8
25
2
40
3
1
1
17
27
2
2
0
50
0no
61
187
3
72
28
1
0
97
1
4
5
30
2
57
10
0
0
32
53
6
4
1
77
0no
80
265
2
92
40
0
0
95
33
6
6
42
2
38
0
1
1
7
100
4
6
1
71
0no
86
280
17
99
20
0
0
100
-7
7
8
21
0
81
8
0
0
21
58
1
3
0
67
0no
64
43
1
15
10
0
0
100
-7
7
8
12
6
36
10
0
0
39
41
4
3
1
70
1yes
69
154
5
55
26
2
0
86
3
4
5
28
2
14
12
0
0
17
-8
4
1
0
36
0no
64
243
3
56
24
0
0
100
-7
7
8
24
2
25
4
1
1
55
78
9
3
5
80
1yes
91
344
26
145
16
0
0
100
-7
7
8
16
0
38
7
0
0
2
-8
3
-8
0
38
0no
69
57
0
21
8
0
0
78
23
6
6
9
4
0
0
1
1
4
-8
2
-8
0
29
0no
85
192
7
111
22
0
0
100
-7
7
8
22
2
23
0
1
1
14
-8
3
1
0
67
0no
84
339
13
108
43
0
0
95
51
6
6
43
0
23
24
0
0
2
79
7
3
0
50
0no
67
324
7
103
19
1
0
86
23
6
5
22
3
32
1
1
1
77
78
10
3
4
100
1yes
75
499
2
88
33
0
0
100
-7
7
8
36
4
53
1
4
4
29
80
7
6
2
72
0no
79
172
6
47
20
0
0
100
-7
7
8
20
1
55
7
0
0
9
49
3
5
0
67
0no
72
242
33
115
11
3
0
71
19
6
5
14
0
43
9
0
0
52
-8
3
1
1
100
0no
75
356
2
101
32
0
0
97
61
6
6
34
1
18
0
3
3
34
-8
11
1
2
60
0no
63
32
12
20
12
0
0
100
-7
7
8
12
0
50
13
0
0
71
60
5
4
2
100
1yes
65
148
2
57
33
0
0
91
7
4
6
36
5
37
5
2
1
35
90
11
2
1
81
1yes
82
431
4
84
33
0
0
100
-7
7
8
34
3
12
7
0
0
17
84
4
1
0
71
0no
79
102
5
34
14
0
0
100
-7
7
8
14
3
43
0
2
2
0
0
0
2
-8
50
1yes
87
147
1
69
8
0
0
100
-7
7
8
11
2
45
1
3
3
2
100
1
1
0
50
0no
86
181
8
82
29
0
0
97
81
6
6
31
1
42
8
0
0
3
-8
1
1
0
14
0no
87
216
8
87
16
0
0
100
-7
7
8
16
1
19
2
1
1
2
-8
1
-8
0
25
0no
84
192
22
95
18
0
0
100
-7
7
8
18
0
22
14
0
0
18
63
2
2
0
44
0no
82
89
14
47
24
0
0
100
-7
6
7
24
0
29
2
1
1
7
31
1
2
0
20
0no
74
145
4
76
16
0
0
88
41
6
6
17
1
47
-8
0
0
28
94
4
1
1
100
0no
75
191
5
97
28
0
0
97
1
6
6
30
1
28
5
1
1
3
37
5
3
0
47
0no
75
279
5
79
16
0
0
100
-7
7
8
16
3
19
22
0
0
61
-8
3
-8
3
60
0no
70
84
15
47
7
0
0
100
-7
7
8
8
0
63
3
1
1
101
-8
3
1
1
100
1yes
68
269
8
87
26
0
0
85
8
4
6
27
3
48
5
0
0
39
81
6
4
1
83
0no
84
184
4
98
22
0
0
100
-7
7
8
23
1
57
0
3
2
6
-8
2
-8
0
50
0no
88
125
7
61
6
0
0
100
-7
7
8
6
1
50
14
0
0
0
86
0
2
0
40
0no
73
327
5
107
32
0
0
97
71
6
6
32
4
31
10
0
0
43
52
5
4
1
69
0no
78
215
1
91
14
0
0
100
-7
7
8
15
1
33
0
1
1
62
-8
1
1
1
67
0no
91
402
13
118
21
0
0
100
-7
7
8
21
0
52
0
1
1
2
-8
2
1
0
38
0no
80
161
17
82
9
0
0
100
-7
6
7
10
0
70
6
0
0
-8
-8
0
1
-8
50
0no
71
157
4
75
39
2
0
95
9
3
5
44
2
50
4
3
3
10
65
4
4
0
50
0no
89
414
7
203
15
0
0
100
-7
7
8
15
3
7
7
0
0
1
-8
3
1
0
45
0no
74
148
9
89
17
1
1
95
50
6
2
19
1
47
0
2
1
12
-8
1
1
0
40
0no
66
152
5
74
20
2
2
87
13
5
2
23
2
52
5
1
1
0
57
0
3
-8
75
1yes
79
128
4
49
52
0
0
100
-7
6
7
54
5
72
2
5
5
9
74
2
12
0
74
0no
85
429
5
85
26
0
0
100
-7
7
8
28
4
32
2
3
3
6
-8
2
-8
0
25
0no
75
185
2
66
25
0
0
100
-7
7
8
26
2
23
1
2
2
26
67
1
2
-8
75
0no
62
207
3
50
44
0
0
96
1
4
6
46
11
50
0
6
6
15
94
12
3
1
68
1yes
89
172
5
76
18
0
0
100
-7
7
8
21
1
48
12
0
0
14
82
1
2
0
50
0no
54
291
3
108
29
2
0
89
1
3
5
35
1
37
12
0
0
44
43
5
3
3
73
0no
73
104
6
48
9
0
0
100
-7
7
8
9
4
11
0
2
2
56
-8
3
1
2
50
1yes
82
324
43
137
9
0
0
90
79
6
6
10
0
20
0
2
2
2
-8
1
-8
0
25
1yes
69
33
2
15
13
0
0
100
-7
7
8
14
8
21
1
5
5
24
76
5
3
0
67
0no
77
313
3
65
49
0
0
100
-7
7
8
49
5
39
7
0
0
4
90
7
9
0
59
0no
82
190
2
52
25
0
0
100
-7
7
8
26
4
23
5
0
0
11
50
6
3
0
47
0no
70
207
5
58
12
1
1
100
-7
6
8
14
3
29
1
4
4
2
-8
1
1
0
29
0no
86
190
8
81
13
0
0
100
-7
7
8
13
1
62
6
0
0
4
88
2
3
0
83
0no
70
232
5
69
23
0
0
100
-7
7
8
27
3
30
4
2
2
55
-8
6
2
3
57
0no
65
371
12
123
19
0
0
95
63
6
6
20
0
26
1
3
3
91
60
8
3
7
100
1yes
81
325
9
117
20
1
0
95
35
6
5
21
3
52
10
0
0
3
31
2
2
0
63
0no
73
139
6
43
14
0
0
100
-7
7
8
14
3
36
1
2
2
8
86
3
2
1
71
1yes
85
239
23
85
11
0
0
100
-7
7
8
11
0
45
0
2
1
5
15
3
3
0
86
0no
76
187
5
70
64
0
0
100
-7
7
8
65
2
30
2
1
1
26
75
7
4
1
55
0no
81
342
16
129
14
1
1
94
50
6
2
18
0
39
-8
0
0
2
14
1
3
0
100
0no
69
82
5
40
21
0
0
100
-7
7
8
21
2
57
1
3
3
55
88
3
4
2
88
1yes
88
441
18
113
17
0
0
100
-7
7
8
19
0
17
22
0
0
0
-8
1
2
0
43
0no
86
215
5
80
38
0
0
100
-7
7
8
39
2
16
12
0
0
2
-8
1
2
0
21
0no
67
220
2
44
20
0
0
95
71
6
6
22
10
19
0
1
1
34
-8
4
1
1
50
0no
73
170
0
46
42
0
0
100
-7
7
8
45
7
33
0
5
4
33
23
3
3
1
60
1yes
92
334
6
109
4
0
0
100
-7
7
8
4
2
0
0
1
1
2
-8
1
-8
0
25
0no
60
286
3
81
20
0
0
90
2
4
6
21
4
70
1
2
2
55
72
4
8
1
100
0no
87
210
19
110
8
0
0
100
-7
7
8
10
0
50
18
0
0
19
-8
2
1
0
60
0no
69
304
3
130
33
0
0
94
51
6
6
34
1
21
0
7
6
31
99
7
2
3
60
0no
78
265
32
115
11
0
0
100
-7
7
8
11
0
64
-8
0
0
80
-8
2
1
-8
100
1yes
72
151
12
63
39
1
0
86
7
4
5
44
0
66
0
1
1
11
-8
1
1
0
33
1yes
89
270
3
98
12
0
0
100
-7
7
8
12
2
25
13
0
0
9
6
2
2
0
67
0no
72
324
11
94
23
0
0
100
-7
7
8
23
1
35
8
1
1
43
64
3
4
1
64
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
86
264
5
134
17
0
0
100
-7
7
8
17
2
12
-8
0
0
13
95
6
2
0
67
0no
59
90
11
50
27
0
0
96
76
6
6
27
1
15
1
2
2
68
83
11
1
2
86
1yes
63
497
2
135
21
2
1
85
2
4
4
26
2
35
3
2
2
38
67
7
4
1
69
0no
57
339
7
122
21
1
0
77
8
4
5
26
1
27
3
1
1
78
95
10
2
8
80
0no
54
246
3
102
32
0
0
88
1
4
6
34
1
24
0
3
3
65
-8
10
1
3
79
0no
82
163
5
58
21
0
0
100
-7
7
8
21
3
29
4
2
1
7
75
3
2
0
38
0no
92
406
8
149
12
0
0
100
-7
7
8
13
1
38
0
2
2
5
92
1
1
0
50
0no
78
228
1
98
18
0
0
100
-7
7
8
21
1
19
0
1
1
35
-8
6
-8
2
67
0no
56
255
4
101
27
0
0
76
1
4
6
29
2
45
0
2
2
78
45
7
2
4
75
1yes
84
286
2
91
22
0
0
96
37
6
6
23
1
26
0
2
2
8
-8
4
1
0
50
0no