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
89
393
37
157
5
0
0
100
-7
7
8
6
0
67
0
1
1
0
-8
0
-8
-8
0
1yes
63
125
2
57
39
0
0
100
-7
7
8
59
2
29
0
7
6
69
85
10
4
7
71
1yes
69
130
2
60
13
3
1
82
41
6
2
18
1
53
0
3
3
6
60
3
4
1
88
1yes
81
107
6
64
42
0
0
98
-7
6
7
49
2
71
1
1
1
8
63
1
5
0
55
1yes
81
187
4
90
22
0
0
100
-7
7
8
22
2
32
-8
0
0
29
81
4
2
0
60
0no
73
225
1
80
29
0
0
100
-7
7
8
30
1
30
0
5
5
73
47
3
3
3
55
0no
47
496
2
74
17
7
1
74
2
3
5
27
6
48
0
1
1
53
93
3
5
0
80
1yes
64
179
13
70
17
0
0
78
1
4
6
18
0
50
4
1
1
57
22
4
2
0
75
1yes
68
377
10
81
16
1
0
90
58
6
5
21
3
29
0
2
1
54
35
8
2
1
85
1yes
71
127
1
54
24
0
0
100
-7
7
8
28
5
46
0
5
5
54
100
4
2
2
55
0no
79
108
4
58
26
0
0
100
-7
7
8
26
1
12
0
7
7
5
-8
2
1
0
38
0no
74
184
3
79
23
0
0
91
69
6
6
23
2
30
3
3
3
24
29
3
2
1
71
0no
75
175
2
61
35
0
0
100
-7
7
8
38
7
34
2
2
2
16
83
3
2
2
33
0no
65
37
2
16
8
0
0
100
-7
7
8
9
4
33
11
0
0
73
98
4
2
2
100
0no
67
586
7
173
45
3
2
89
6
4
4
47
2
17
0
3
3
37
63
6
4
2
53
0no
63
131
11
61
8
2
1
60
17
6
3
10
1
30
3
2
1
78
45
3
1
2
80
1yes
84
199
14
114
22
0
0
100
-7
6
7
22
0
36
7
0
0
11
33
6
2
0
57
0no
81
345
19
112
22
0
0
95
-8
6
6
22
0
41
23
0
0
1
23
2
3
0
45
0no
86
291
6
122
23
0
0
100
-7
7
8
31
1
45
23
0
0
9
-8
4
1
1
83
0no
69
200
2
73
20
2
1
92
4
3
5
24
2
38
0
5
5
2
-8
6
1
0
64
0no
91
242
38
116
20
0
0
100
-7
7
8
20
0
30
-8
0
0
4
-8
3
-8
0
50
0no
71
196
6
65
19
0
0
95
3
4
6
20
2
47
6
0
0
44
93
3
4
0
78
1yes
75
381
15
108
20
0
0
95
14
6
6
20
0
45
1
2
2
32
64
6
4
3
77
0no
73
282
6
114
42
2
2
98
69
6
6
42
2
19
7
0
0
25
80
16
2
1
75
0no
91
310
9
145
16
0
0
100
-7
7
8
19
1
53
14
0
0
5
-8
1
1
0
40
0no
79
242
3
71
19
0
0
100
-7
7
8
19
5
11
8
0
0
20
-8
3
1
0
50
0no
63
133
100
113
4
1
1
80
38
6
6
5
0
80
12
0
0
79
-8
1
-8
-8
100
1yes
66
115
7
60
40
0
0
93
2
4
6
40
4
25
1
3
3
37
59
5
3
0
80
1yes
87
306
49
122
14
0
0
100
-7
7
8
14
0
36
13
0
0
3
-8
2
-8
0
67
0no
67
147
5
26
11
0
0
100
-7
7
8
11
8
9
0
3
3
32
96
6
1
1
78
1yes
71
184
7
99
14
0
0
100
-7
7
8
14
1
14
0
3
3
86
-8
6
-8
4
75
0no
68
179
4
52
27
1
0
93
35
6
5
29
2
57
5
1
1
58
80
2
3
1
63
0no
88
360
3
115
26
0
0
100
-7
7
8
28
1
39
1
2
2
4
-8
4
1
0
45
0no
84
282
14
84
12
0
0
100
-7
7
8
12
0
50
-8
0
0
53
65
2
3
0
83
0no
64
244
1
117
35
2
1
90
3
4
4
42
4
60
1
9
9
75
77
6
5
3
100
0no
83
151
6
82
27
0
0
100
-7
7
8
27
2
44
-8
0
0
17
101
2
2
0
80
0no
86
173
7
89
18
0
0
100
-7
7
8
18
1
33
6
0
0
1
19
2
2
0
36
0no
85
181
6
77
7
0
0
100
-7
7
8
10
1
50
5
0
0
0
95
0
2
0
50
0no
79
30
13
22
2
0
0
100
-7
7
8
2
0
0
12
0
0
27
-8
1
-8
0
50
0no
80
182
5
44
18
1
1
95
58
6
2
19
4
32
5
0
0
6
80
2
3
0
56
1yes
77
142
4
71
33
0
0
100
-7
7
8
33
2
55
1
2
2
0
78
2
5
0
78
0no
70
480
18
108
19
1
1
89
72
6
6
19
0
26
17
0
0
43
75
5
1
1
75
0no
83
384
2
179
24
0
0
100
-7
7
8
26
1
19
1
1
1
4
-8
1
1
0
38
0no
63
141
2
71
27
1
1
83
21
6
2
35
4
43
0
4
4
35
100
5
3
0
90
1yes
92
213
74
131
7
0
0
100
-7
7
8
10
0
20
-8
0
0
1
-8
1
1
0
67
0no
82
187
11
82
28
0
0
96
32
6
6
28
1
50
4
2
2
4
59
3
2
0
56
0no
73
152
2
60
21
0
0
100
-7
7
8
22
1
64
0
3
3
61
68
4
3
1
78
0no
59
159
6
87
28
6
6
81
6
0
2
36
2
36
3
1
1
35
-8
6
2
2
80
0no
69
218
9
52
28
0
0
97
54
6
6
29
1
41
0
5
5
35
-8
5
2
1
70
1yes
80
232
7
75
33
0
0
100
-7
7
8
34
2
38
6
0
0
5
37
3
3
0
55
0no
75
128
2
82
26
0
0
96
18
6
6
30
2
57
1
2
2
16
41
1
8
1
69
0no
80
94
8
48
8
0
0
90
12
6
6
10
1
20
3
2
2
33
-8
2
-8
0
50
0no
89
131
29
60
6
0
0
100
-7
7
8
6
0
17
-8
0
0
5
-8
1
1
0
40
0no
89
395
2
132
11
0
0
100
-7
7
8
12
1
25
2
2
2
7
99
3
1
0
67
0no
72
253
2
70
30
1
0
94
55
6
5
34
5
38
3
2
2
15
99
8
3
0
67
0no
84
338
7
82
30
0
0
100
-7
7
8
34
4
35
0
2
2
6
17
6
3
0
60
0no
63
445
3
123
35
4
3
90
1
0
2
43
3
20
1
5
5
11
79
9
3
0
65
1yes
59
219
4
84
30
1
0
91
26
6
5
32
3
44
2
4
4
41
89
9
4
3
76
0no
74
203
1
66
27
0
0
93
3
4
6
30
1
20
0
3
3
2
86
2
2
0
57
0no
57
255
7
91
34
0
0
94
1
4
6
35
4
31
5
0
0
65
82
16
2
2
90
1yes
60
55
2
30
20
0
0
100
-7
7
8
21
7
24
1
5
5
64
91
7
4
3
80
1yes
86
141
2
64
14
0
0
100
-7
7
8
18
3
72
2
3
3
0
90
0
3
0
60
0no
76
148
1
58
33
0
0
100
-7
7
8
35
3
35
0
1
1
15
94
2
5
1
54
1yes
72
171
6
64
28
1
0
97
67
6
5
30
7
53
1
1
1
61
93
4
2
1
67
0no
79
150
11
59
27
0
0
100
-7
7
8
27
1
33
2
4
4
8
77
2
3
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
84
165
1
84
18
0
0
100
-7
7
8
20
1
50
2
1
1
12
63
4
1
0
71
0no
83
493
11
135
15
0
0
94
-7
5
7
16
1
44
7
0
0
20
81
3
1
0
44
0no
75
292
7
102
22
0
0
100
-7
7
8
22
1
27
7
0
0
31
-8
6
2
1
62
0no
90
175
38
132
11
0
0
100
-7
7
8
11
0
45
-8
0
0
0
-8
0
-8
0
0
0no
72
348
16
79
36
0
0
100
-7
7
8
36
0
31
-8
0
0
39
89
4
6
2
67
0no
64
178
3
65
31
0
0
100
-7
7
8
31
1
10
14
0
0
80
-8
15
1
11
84
0no
88
184
8
85
22
0
0
100
-7
6
7
22
1
41
4
1
1
10
92
1
2
0
60
0no
85
324
4
106
22
0
0
100
-7
7
8
23
3
26
3
2
2
6
-8
3
-8
0
38
1yes
60
82
6
32
24
2
2
100
-7
0
8
24
4
33
4
2
2
26
98
4
2
0
50
0no
65
494
6
99
39
1
1
100
-7
6
8
39
1
46
0
4
4
27
92
8
6
1
88
0no
91
296
24
127
9
0
0
100
-7
7
8
9
0
22
-8
0
0
0
-8
0
-8
0
20
1yes
66
177
4
60
37
0
0
97
-7
5
7
37
6
65
0
3
3
72
66
4
5
3
82
1yes
68
104
5
44
22
2
2
92
11
4
2
24
5
21
0
1
1
36
-8
5
1
1
54
1yes
61
204
46
105
11
1
0
77
13
6
5
15
0
31
0
3
3
65
-8
4
1
3
83
0no
79
185
1
56
39
0
0
100
-7
7
8
40
5
38
0
1
1
1
70
3
3
0
50
0no
68
358
7
126
15
2
2
88
68
0
3
17
1
25
23
0
0
11
-8
2
1
0
43
0no
73
305
2
84
29
0
0
97
5
4
6
31
1
40
16
0
0
19
18
5
3
0
53
0no
86
377
7
155
26
0
0
100
-7
7
8
29
1
14
15
0
0
12
-8
8
1
0
75
0no
86
249
5
87
30
0
0
100
-7
7
8
32
1
25
3
5
5
6
95
1
1
0
67
0no
79
210
14
102
13
0
0
93
79
6
6
14
0
29
13
0
0
20
-8
2
1
1
75
0no
83
303
1
132
13
0
0
100
-7
7
8
15
2
20
0
2
2
15
-8
5
1
1
75
0no
63
211
13
76
15
2
2
74
9
2
2
19
0
5
0
7
7
1
-8
1
-8
0
14
0no
80
88
2
50
20
0
0
95
39
6
6
22
2
48
21
0
0
13
55
4
3
0
70
1yes
87
273
23
78
22
0
0
100
-7
7
8
22
0
23
0
1
1
4
-8
2
2
0
44
0no
83
283
6
75
26
0
0
100
-7
7
8
26
1
50
0
1
1
22
73
2
2
0
67
0no
88
474
2
153
23
0
0
100
-7
7
8
26
2
54
0
1
1
2
65
3
4
0
70
0no
72
304
6
83
27
0
0
93
55
5
6
27
5
33
0
2
2
34
90
6
3
1
69
0no
77
256
3
93
37
0
0
92
19
6
6
39
4
23
3
1
1
13
-8
3
1
0
31
0no
56
311
10
99
31
10
10
86
4
4
6
36
2
46
0
2
2
44
75
4
2
1
64
1yes
62
309
2
97
28
2
1
79
24
5
3
33
5
27
0
1
1
54
44
8
3
3
65
0no
87
211
16
139
19
0
0
95
13
6
6
20
0
35
4
2
1
3
-8
2
1
0
33
1yes
73
254
5
97
22
1
0
96
45
6
5
23
2
39
0
2
2
54
32
4
3
2
78
1yes
76
85
5
46
19
0
0
100
-7
7
8
19
2
37
7
0
0
34
37
6
2
0
80
0no
78
220
2
76
52
0
0
98
35
6
6
56
2
33
2
2
2
13
-8
5
4
0
69
0no