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
76
331
18
137
20
0
0
95
45
6
6
21
0
10
0
3
3
14
-8
5
-8
1
36
1yes
90
121
25
87
8
0
0
100
-7
7
8
8
0
13
0
1
1
8
-8
2
1
0
43
1yes
72
187
12
62
51
1
1
96
10
1
3
53
0
25
0
1
1
32
42
5
2
1
28
1yes
60
233
2
99
9
7
7
82
51
6
6
11
1
82
0
0
0
105
81
2
2
2
100
0no
59
28
2
13
6
0
0
100
-7
7
8
7
4
43
0
0
0
98
77
3
3
3
100
0no
62
143
5
53
35
1
0
92
1
3
5
36
5
33
0
2
0
3
18
3
2
0
33
0no
87
195
12
115
18
0
0
100
-7
7
8
18
0
50
0
0
0
21
17
3
2
0
63
1yes
67
94
4
55
36
1
1
95
50
6
2
38
4
32
0
5
5
12
81
5
4
1
64
0no
82
220
5
59
26
0
0
100
-7
7
8
27
3
22
0
2
2
24
-8
4
1
1
63
1yes
85
249
6
100
13
0
0
100
-7
7
8
15
1
47
0
2
2
29
75
1
3
0
80
1yes
79
322
3
95
25
1
0
96
70
6
5
28
2
43
0
2
2
22
12
5
4
0
75
1yes
66
76
2
42
6
1
1
100
-7
6
8
8
2
38
0
2
2
48
95
2
2
0
80
1yes
36
110
6
35
9
1
1
50
0
4
3
12
2
75
0
1
1
85
85
1
3
-8
100
1yes
81
106
3
48
18
0
0
100
-7
7
8
18
3
39
0
2
2
9
89
1
3
0
57
0no
86
261
14
97
16
0
0
100
-7
7
8
16
0
19
0
0
0
9
-8
3
-8
0
38
1yes
61
179
2
81
28
0
0
97
21
6
6
29
3
24
0
3
3
69
56
15
4
11
83
1yes
92
255
10
78
7
0
0
100
-7
7
8
8
1
13
0
0
0
6
-8
1
-8
0
33
0no
83
282
17
70
19
0
0
100
-7
7
8
19
0
32
0
0
0
5
34
3
2
0
56
1yes
60
71
2
26
18
1
1
95
44
6
6
20
4
21
0
2
2
30
-8
6
2
1
62
1yes
73
28
4
18
4
0
0
100
-7
7
8
4
1
50
0
5
5
41
81
2
2
0
100
1yes
69
121
3
55
31
1
1
97
43
6
4
32
2
59
0
1
1
43
66
5
6
0
73
1yes
62
161
1
60
16
1
0
79
4
4
5
19
5
16
0
1
1
20
25
4
2
0
47
0no
70
206
3
96
18
3
0
59
11
4
5
22
1
41
0
2
2
10
37
4
1
0
50
1yes
77
138
2
62
27
0
0
100
-7
7
8
38
4
71
0
3
3
40
79
2
4
1
100
0no
55
139
11
61
22
1
0
71
13
6
5
24
1
33
0
2
2
28
26
5
3
4
67
0no
54
40
6
23
7
0
0
86
14
6
6
7
1
57
0
2
2
89
74
3
3
-8
100
1yes
65
108
4
51
29
0
0
97
69
6
6
29
3
45
0
0
0
58
108
8
6
2
74
0no
86
170
12
67
14
0
0
100
-7
7
8
15
0
27
0
0
0
25
34
1
3
0
40
0no
80
225
19
111
18
0
0
100
-7
7
8
20
0
55
0
2
2
5
76
3
1
0
80
1yes
50
144
7
74
36
3
2
86
1
0
2
42
1
52
0
0
0
92
45
7
4
2
92
1yes
72
118
3
47
22
0
0
83
6
4
6
23
4
65
0
1
0
3
83
3
3
0
88
1yes
54
206
7
75
8
1
0
64
6
4
5
11
1
64
0
0
0
92
-8
2
1
-8
75
1yes
62
151
2
27
19
1
1
95
78
6
2
21
6
43
0
0
0
56
92
8
3
1
92
1yes
68
308
4
64
41
0
0
95
55
6
6
42
3
48
0
2
2
56
82
8
5
2
87
0no
63
155
12
57
15
0
0
94
-7
5
7
16
0
25
0
5
5
93
71
5
2
4
78
0no
67
51
2
25
9
0
0
80
10
4
6
10
2
50
0
2
2
0
96
1
1
0
50
1yes
86
221
27
84
18
0
0
100
-7
7
8
18
0
22
0
0
0
10
-8
1
1
0
20
0no
60
300
3
84
30
2
2
80
5
4
2
35
1
54
0
0
0
44
71
9
7
2
100
1yes
66
111
14
54
14
1
0
94
42
6
5
16
0
6
0
0
0
96
-8
7
-8
5
100
1yes
84
160
4
70
18
0
0
100
-7
7
8
18
2
39
0
0
0
26
97
2
2
0
40
0no
80
96
18
57
10
0
0
100
-7
7
8
10
0
60
0
0
0
-8
-8
-8
1
-8
100
1yes
70
164
3
55
14
4
4
100
-7
6
8
15
4
20
0
3
3
60
29
5
2
0
88
1yes
56
167
7
75
31
0
0
88
2
4
6
33
1
42
0
1
1
74
62
11
2
2
93
1yes
88
161
4
97
29
0
0
100
-7
7
8
33
3
48
0
2
2
7
-8
1
1
0
33
0no
66
166
5
65
19
0
0
100
-7
7
8
19
3
16
0
7
7
55
-8
6
3
4
69
0no
79
134
8
58
30
0
0
100
-7
7
8
30
2
13
0
1
1
11
63
8
2
1
53
1yes
66
138
30
83
12
0
0
92
3
4
6
13
0
31
0
0
0
23
-8
4
1
0
83
0no
69
178
22
74
25
0
0
92
12
6
6
25
0
40
0
6
5
20
45
5
2
0
70
1yes
59
78
12
32
19
0
0
100
-7
7
8
22
0
43
0
3
3
91
-8
8
1
5
90
1yes
85
125
11
72
18
0
0
100
-7
7
8
20
1
30
0
1
1
2
87
4
2
0
46
1yes
81
287
4
105
23
0
0
100
-7
7
8
25
2
40
0
2
2
52
88
3
4
1
70
1yes
71
68
4
33
10
0
0
100
-7
7
8
10
4
50
0
0
0
58
71
5
4
0
100
1yes
68
161
8
50
4
0
0
100
-7
7
8
4
1
0
0
0
0
87
-8
4
-8
3
100
1yes
60
75
56
69
2
1
0
33
15
6
5
3
0
67
0
0
0
80
-8
1
1
1
100
1yes
66
150
4
72
37
3
3
97
-7
0
7
41
4
32
0
3
3
4
58
4
3
0
54
0no
81
159
3
48
22
0
0
100
-7
7
8
22
4
32
0
2
1
26
85
5
3
2
69
1yes
79
190
10
92
20
1
0
91
6
4
5
22
2
36
0
1
1
7
39
7
6
0
87
0no
57
206
9
91
26
2
1
75
3
4
2
32
3
38
0
0
0
59
66
7
4
4
73
0no
80
80
4
39
18
0
0
100
-7
7
8
18
2
28
0
2
2
7
87
1
2
0
27
0no
60
230
1
90
29
2
2
91
10
0
3
32
1
28
0
3
3
46
59
8
3
4
55
0no
76
375
37
219
4
0
0
50
8
4
6
6
0
17
0
3
3
22
-8
2
-8
0
67
1yes
76
62
20
41
2
0
0
100
-7
7
8
3
0
100
0
0
0
-8
-8
-8
1
-8
100
1yes
77
275
5
105
30
1
0
90
34
6
5
31
2
52
0
0
0
40
97
3
5
2
53
0no
68
262
11
113
21
2
0
74
14
6
5
23
1
17
0
0
0
38
-8
3
-8
3
25
0no
66
177
5
67
22
1
1
100
-7
7
8
23
3
32
0
1
1
66
85
5
2
2
80
0no
56
77
4
41
24
0
0
92
5
4
6
24
2
38
0
6
6
57
90
9
3
2
86
1yes
82
112
1
50
13
0
0
93
30
6
6
14
4
43
0
1
1
8
77
2
2
1
50
1yes
69
173
6
63
30
0
0
97
-8
6
6
31
3
42
0
0
0
36
-8
8
1
2
64
0no
52
197
5
78
17
4
1
71
3
4
5
22
1
38
0
0
0
96
31
6
2
3
89
1yes
82
297
19
88
31
0
0
100
-7
7
8
31
0
29
0
0
0
20
-8
5
1
0
40
1yes
70
130
5
86
11
2
1
77
7
4
2
13
2
31
0
0
0
18
1
2
1
0
75
1yes
66
339
5
135
9
2
0
53
8
4
5
15
3
40
0
1
1
70
-8
2
2
0
83
1yes
57
137
3
56
16
1
1
71
17
6
6
18
2
41
0
0
0
81
99
5
3
1
89
1yes
62
120
34
74
4
0
0
40
4
4
6
5
0
0
0
2
1
59
-8
1
-8
-8
25
1yes
86
379
8
176
24
0
0
100
-7
7
8
27
1
22
0
0
0
0
-8
2
-8
0
20
1yes
56
252
7
50
13
1
1
86
3
0
2
14
3
50
0
4
4
67
68
3
3
2
60
1yes
60
77
20
45
8
1
0
80
4
4
5
10
0
90
0
2
2
41
75
1
3
0
100
1yes
74
66
6
36
10
0
0
100
-7
7
8
10
1
40
0
3
0
41
94
2
1
1
75
1yes
82
181
8
85
12
0
0
100
-7
7
8
12
1
33
0
0
0
24
-8
3
1
0
57
0no
56
170
3
79
49
2
0
87
9
4
5
61
2
80
0
2
2
73
52
5
11
3
89
1yes
60
47
12
31
2
0
0
33
5
4
6
3
0
33
0
0
0
72
-8
1
-8
0
100
1yes
75
279
1
71
26
0
0
100
-7
7
8
27
3
56
0
1
1
55
87
6
2
1
89
1yes
75
40
4
22
4
0
0
100
-7
7
8
5
1
0
0
1
1
53
-8
1
-8
0
50
1yes
65
149
10
69
22
0
0
96
11
4
6
23
1
48
0
0
0
73
91
5
2
3
78
1yes
81
172
8
58
23
0
0
100
-7
7
8
23
1
35
0
0
0
17
-8
5
2
0
57
1yes
78
234
11
115
15
0
0
93
-8
6
6
15
1
33
0
0
0
76
57
3
2
1
63
1yes
75
61
6
21
17
0
0
94
-7
5
7
17
7
29
0
1
1
13
-8
5
3
0
53
1yes
78
185
12
63
13
0
0
100
-7
7
8
13
0
31
0
0
0
45
-8
8
1
2
100
0no
60
288
2
105
19
1
0
77
3
4
5
22
1
36
0
1
1
27
100
6
2
2
73
1yes
84
263
0
146
7
0
0
100
-7
7
8
9
2
0
0
3
3
17
-8
4
-8
1
67
0no
92
179
3
102
7
0
0
100
-7
7
8
7
1
14
0
0
0
10
-8
1
-8
0
20
1yes
78
64
12
34
24
0
0
100
-7
7
8
24
0
8
0
0
0
6
-8
4
1
0
24
1yes
55
79
9
42
20
0
0
90
2
4
6
20
3
25
0
0
0
65
97
4
2
4
43
1yes
56
177
4
61
10
2
2
53
3
4
2
17
3
53
0
1
1
62
78
5
2
1
88
0no
65
125
5
54
28
1
1
90
6
4
4
31
2
58
0
0
0
51
62
4
5
1
75
1yes
75
126
9
64
7
0
0
100
-7
7
8
7
1
57
0
0
0
101
59
2
3
2
100
0no
89
193
9
114
13
0
0
100
-7
7
8
14
1
43
0
0
0
1
88
2
2
0
67
0no
82
323
7
95
27
1
1
96
44
6
4
28
2
46
0
1
1
19
77
8
4
0
80
1yes
68
133
10
66
13
0
0
85
0
4
6
13
1
69
0
0
0
29
75
1
1
0
100
1yes
84
140
14
76
17
0
0
94
37
6
6
18
0
22
0
0
0
1
61
1
1
0
22
0no