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
72
293
13
138
4
2
1
83
32
6
5
6
0
50
0
1
1
0
-8
0
1
-8
50
1yes
55
228
3
101
27
2
0
72
1
4
5
32
1
34
0
5
5
14
62
7
4
1
65
1yes
84
106
11
64
22
0
0
100
-7
7
8
23
1
26
0
1
1
0
-8
0
-8
0
0
1yes
75
203
12
92
6
0
0
100
-7
7
8
6
0
50
0
3
3
101
-8
1
-8
1
100
1yes
87
137
4
79
28
0
0
100
-7
7
8
32
1
56
0
2
2
11
14
1
3
0
57
0no
65
56
8
31
14
0
0
100
-7
7
8
15
1
27
1
6
6
87
62
6
2
3
100
1yes
58
255
17
124
30
0
0
84
1
4
6
38
0
50
1
8
8
60
11
4
3
4
73
1yes
79
181
5
77
20
0
0
100
-7
7
8
21
2
43
0
3
3
42
74
3
4
1
78
1yes
75
170
8
62
22
0
0
100
-7
7
8
24
4
54
0
2
2
27
79
3
6
1
69
1yes
64
212
6
76
7
5
4
64
10
4
3
11
2
55
8
0
0
56
86
1
2
0
75
1yes
59
277
9
95
16
2
1
76
0
4
5
18
1
12
3
1
1
25
80
6
1
1
54
1yes
64
94
3
59
45
0
0
100
-7
7
8
49
5
21
0
8
8
37
-8
12
2
4
67
1yes
47
147
6
43
15
2
2
71
6
1
3
18
1
59
0
0
0
91
76
4
6
4
91
0no
72
196
6
93
39
1
0
95
37
6
5
41
3
29
0
0
0
34
70
8
3
2
55
1yes
72
165
8
59
31
0
0
90
17
6
6
31
4
39
0
0
0
16
-8
4
2
1
50
1yes
63
161
9
51
15
0
0
82
5
4
6
17
1
29
0
0
0
35
44
4
2
1
60
1yes
61
254
2
85
36
0
0
95
-8
6
6
40
5
38
0
3
3
86
73
9
2
5
92
1yes
81
169
7
61
18
0
0
100
-7
7
8
18
1
56
0
1
1
29
81
6
4
0
100
1yes
76
190
6
65
23
0
0
96
29
6
6
24
3
33
0
1
1
70
92
3
2
2
71
1yes
82
115
4
45
16
0
0
100
-7
7
8
16
3
63
0
0
0
0
92
1
3
0
50
1yes
90
282
9
94
17
0
0
100
-7
7
8
17
2
6
0
0
0
1
-8
1
-8
0
8
0no
64
73
2
36
14
0
0
93
18
6
6
15
2
73
0
1
1
79
49
3
5
1
100
0no
61
125
12
48
30
0
0
97
38
6
6
30
0
43
0
3
3
47
68
5
4
2
69
1yes
66
130
8
49
15
1
1
88
33
6
2
16
1
81
0
0
0
78
83
1
5
-8
100
0no
43
137
2
46
5
5
3
55
3
3
2
11
3
55
0
3
3
94
88
2
2
2
80
0no
56
216
7
68
22
3
2
84
3
0
4
26
2
32
0
2
2
76
62
4
3
3
50
1yes
80
236
4
88
39
0
0
90
27
6
6
41
4
32
0
2
1
1
56
4
1
0
63
0no
81
148
1
72
16
0
0
94
62
6
6
18
2
39
0
2
2
0
94
0
3
-8
75
0no
77
239
3
112
14
0
0
93
-8
6
6
14
1
36
0
1
1
33
98
3
2
2
63
0no
65
183
6
67
7
1
1
75
60
6
2
8
1
50
0
2
2
103
60
2
2
-8
100
1yes
66
77
2
37
8
5
5
90
33
6
2
10
1
90
0
0
0
-8
95
-8
4
-8
100
1yes
59
136
6
42
18
0
0
89
17
6
6
18
4
28
0
1
1
44
99
5
2
3
50
1yes
60
165
2
79
43
0
0
92
9
4
6
49
2
47
0
0
0
73
89
7
2
-8
77
1yes
72
259
5
91
26
1
1
96
15
0
2
28
1
30
0
0
0
51
95
5
2
1
70
1yes
59
321
9
140
26
1
1
83
11
4
6
29
1
34
0
4
4
78
83
10
2
5
100
1yes
67
136
28
85
14
0
0
86
-8
6
6
14
0
43
0
1
1
97
-8
4
1
4
100
1yes
85
112
20
70
11
0
0
100
-7
7
8
11
0
73
0
0
0
12
-8
1
1
0
100
0no
82
317
28
133
15
0
0
100
-7
6
8
15
0
47
0
1
1
19
5
1
2
0
50
1yes
63
213
6
65
14
1
1
72
35
6
4
18
4
33
0
1
1
68
91
3
1
0
80
0no
77
31
31
31
1
0
0
100
-7
7
8
1
0
0
0
6
6
-8
-8
-8
-8
-8
-8
1yes
54
232
2
91
19
0
0
70
2
4
6
23
3
48
0
1
1
97
36
6
3
0
90
1yes
76
114
7
51
23
0
0
100
-7
7
8
23
6
35
0
0
0
1
90
1
3
0
50
1yes
64
190
7
70
34
0
0
91
7
4
6
35
1
20
0
0
0
18
70
12
2
2
52
1yes
65
123
2
53
16
0
0
82
18
6
6
17
2
41
0
1
1
58
97
6
2
2
73
1yes
78
128
15
68
11
0
0
82
17
6
6
11
0
27
0
0
0
6
85
4
2
0
60
0no
62
113
9
62
18
2
2
86
5
0
2
21
1
38
0
0
0
48
44
3
3
2
75
1yes
59
99
1
57
8
3
0
64
11
4
5
14
4
43
0
2
2
67
87
4
3
1
88
1yes
69
274
2
73
44
1
1
93
40
6
6
47
3
43
0
6
6
28
95
8
6
2
58
1yes
62
181
12
80
26
0
0
88
6
4
6
26
0
15
0
1
1
67
-8
4
1
2
67
1yes
85
149
8
63
15
0
0
100
-7
7
8
15
1
40
0
2
2
5
32
1
3
0
44
0no
55
118
8
72
24
6
1
63
2
4
3
30
1
10
0
0
0
36
28
4
3
2
54
1yes
61
174
7
65
12
0
0
92
36
6
6
13
2
23
0
4
4
88
-8
5
1
5
86
1yes
76
165
9
81
18
0
0
100
-7
7
8
23
2
61
0
1
1
52
48
2
4
0
78
0no
78
281
1
98
44
0
0
100
-7
7
8
48
4
31
0
1
1
24
19
7
1
2
50
1yes
85
151
5
64
20
0
0
100
-7
7
8
20
2
35
0
0
0
4
56
4
2
0
67
1yes
65
330
13
97
37
1
0
86
12
6
5
43
0
53
0
0
0
61
60
9
2
3
79
1yes
73
413
4
111
41
0
0
100
-7
7
8
43
4
30
0
4
4
4
-8
3
1
1
25
0no
62
86
8
31
13
0
0
92
3
4
6
13
2
15
0
0
0
46
-8
5
1
1
60
1yes
63
105
2
42
17
0
0
100
-7
7
8
18
6
33
0
3
3
73
98
8
2
3
83
1yes
63
65
2
40
12
3
2
82
8
4
3
18
3
76
0
3
3
3
100
2
3
0
83
1yes
83
175
26
69
16
0
0
100
-7
7
8
16
0
38
0
1
1
4
43
2
2
0
40
1yes
63
46
2
23
16
0
0
100
-7
7
8
17
8
47
0
4
4
72
100
2
4
1
75
1yes
65
238
8
112
40
1
1
93
3
4
2
42
1
17
0
1
1
31
-8
10
1
2
41
0no
62
166
1
48
43
0
0
100
-7
7
8
44
6
41
0
10
10
55
84
6
4
5
59
1yes
61
391
2
137
16
0
0
71
8
4
6
17
1
35
0
0
0
62
23
5
2
3
78
1yes
58
538
15
114
19
4
4
65
7
4
2
23
0
48
0
1
1
58
91
4
3
1
88
1yes
79
133
1
71
7
0
0
100
-7
7
8
9
3
56
0
3
3
19
56
2
1
1
100
1yes
64
30
13
20
3
0
0
67
-8
6
6
4
0
100
0
0
0
-8
72
-8
3
-8
100
1yes
77
183
13
77
16
0
0
100
-7
7
8
16
0
19
0
2
2
37
84
1
1
0
33
1yes
84
319
10
95
32
0
0
100
-7
7
8
35
2
23
0
0
0
19
89
5
1
0
50
0no
56
58
33
46
2
0
0
50
2
4
6
2
0
100
0
6
6
-8
-8
-8
1
-8
100
1yes
84
170
25
87
10
0
0
100
-7
7
8
10
0
50
0
2
2
10
-8
2
-8
0
67
0no
87
433
87
198
6
0
0
100
-7
7
8
7
0
0
0
0
0
13
-8
1
-8
0
25
0no
60
282
23
108
5
4
1
50
13
5
4
10
0
40
0
1
1
115
62
4
3
2
88
1yes
63
66
7
45
17
0
0
94
-8
6
6
17
1
24
0
1
1
67
83
8
4
3
86
1yes
80
198
19
94
16
0
0
100
-7
7
8
16
0
25
0
0
0
25
-8
3
1
2
40
0no
85
319
3
91
15
0
0
100
-7
7
8
17
2
24
0
5
5
3
-8
2
1
0
50
1yes
61
184
7
55
4
2
2
67
3
0
2
6
1
67
0
0
0
14
74
1
3
0
100
1yes
74
111
5
59
38
0
0
100
-7
7
8
38
2
21
0
0
0
22
76
5
4
1
41
0no
79
125
20
64
11
0
0
100
-7
7
8
12
0
33
0
1
1
22
-8
3
1
0
80
0no
73
104
3
39
18
0
0
100
-7
7
8
18
4
33
0
0
0
33
69
5
6
0
92
1yes
57
130
2
74
24
0
0
88
10
4
6
25
1
60
0
2
2
66
85
4
2
-8
86
1yes
76
163
7
72
27
0
0
97
25
6
6
30
1
53
0
0
0
48
-8
3
2
0
100
0no
34
157
31
91
1
8
7
33
1
0
2
11
0
67
0
4
4
100
-8
1
-8
1
100
0no
66
187
11
70
19
4
1
78
34
6
5
24
2
52
0
0
0
37
21
7
2
1
90
0no
83
476
5
125
28
1
0
90
33
6
5
30
3
23
0
1
1
5
-8
2
1
0
15
1yes
68
379
14
149
4
2
2
33
39
6
2
6
0
83
0
0
0
4
-8
1
1
-8
100
0no
63
405
11
84
15
1
0
82
57
6
5
17
1
35
0
0
0
76
91
6
2
4
80
1yes
72
56
7
34
8
0
0
88
32
6
6
8
1
38
0
2
1
8
-8
2
1
-8
100
1yes
70
241
2
104
23
1
0
70
26
6
5
27
1
52
0
1
1
43
53
5
2
0
89
1yes
74
68
4
36
15
0
0
100
-7
7
8
15
3
47
0
0
0
86
94
1
2
1
75
1yes
73
311
7
77
13
0
0
100
-7
7
8
13
2
46
0
0
0
69
93
5
2
2
88
1yes
75
191
18
106
13
1
0
80
26
6
5
15
0
27
0
0
0
41
59
2
2
1
50
1yes
71
301
5
86
15
0
0
100
-7
7
8
15
1
47
0
2
2
75
49
5
4
3
75
1yes
65
128
5
46
19
0
0
100
-7
7
8
20
2
20
0
1
1
59
-8
8
1
5
82
0no
56
152
6
46
17
2
0
75
14
6
5
20
3
45
0
0
0
68
54
6
4
3
92
0no
73
102
13
58
2
0
0
100
-7
7
8
2
0
100
0
0
0
-8
69
-8
2
-8
100
1yes
84
158
6
83
5
0
0
100
-7
7
8
5
2
20
0
0
0
41
-8
1
1
0
67
1yes
85
221
2
46
62
0
0
100
-7
7
8
63
6
16
0
2
2
0
-8
4
3
0
21
0no
70
136
21
89
23
0
0
96
58
6
6
24
0
25
0
0
0
72
49
5
3
2
62
0no