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
232
3
81
20
0
0
100
-7
7
8
20
3
35
0
1
1
46
94
4
5
3
75
0no
68
161
2
58
1
0
0
67
53
6
6
3
2
33
0
3
3
37
91
1
1
0
100
0no
54
244
15
92
36
2
2
69
5
4
2
42
0
21
0
0
0
78
80
12
2
5
61
1yes
62
114
8
48
42
0
0
100
-7
7
8
42
2
24
0
1
1
26
-8
10
1
3
52
1yes
69
215
15
89
24
0
0
96
4
4
6
24
0
33
0
3
3
42
-8
2
1
1
38
1yes
75
80
12
42
15
0
0
100
-7
7
8
15
0
53
0
2
1
39
77
2
1
0
50
0no
91
473
18
161
20
0
0
100
-7
7
8
21
0
33
0
0
0
3
-8
3
-8
0
38
0no
79
16
3
7
4
0
0
100
-7
7
8
5
4
40
0
2
2
8
-8
1
1
0
50
0no
60
51
7
25
18
0
0
96
10
4
6
23
6
52
0
16
16
90
82
5
4
1
100
1yes
71
321
15
117
60
0
0
100
-7
7
8
60
0
10
0
2
2
43
39
27
2
8
60
0no
69
156
10
84
19
1
1
86
36
6
3
22
2
73
0
6
6
-8
75
-8
2
-8
100
1yes
55
63
5
39
21
1
1
86
6
4
6
22
3
38
0
3
3
31
79
6
3
1
92
1yes
86
350
19
121
15
0
0
100
-7
7
8
16
0
44
0
1
1
12
-8
2
-8
0
33
0no
66
328
4
104
20
1
1
81
4
4
4
21
1
29
0
0
0
54
25
5
2
3
70
1yes
66
389
39
114
19
1
0
78
17
6
5
23
0
35
0
6
6
62
-8
3
2
2
63
1yes
83
104
15
54
22
0
0
100
-7
7
8
22
0
45
0
0
0
57
52
2
3
0
56
1yes
57
179
8
75
31
2
0
76
17
6
5
34
1
41
0
0
0
73
79
5
2
3
70
1yes
81
255
1
75
28
0
0
100
-7
7
8
30
2
27
0
1
1
17
67
5
2
0
44
0no
77
271
4
81
22
0
0
95
53
6
6
22
2
18
0
1
1
22
92
6
2
0
44
0no
70
153
7
79
32
0
0
89
17
5
6
36
3
36
0
2
1
77
75
7
1
1
89
1yes
78
169
17
71
34
0
0
100
-7
7
8
34
0
35
0
0
0
34
48
2
4
1
55
0no
69
269
6
69
22
0
0
95
2
4
6
22
2
50
0
0
0
18
77
5
7
0
67
1yes
70
346
3
94
38
1
1
85
23
5
6
40
2
26
0
1
1
36
18
9
2
1
69
1yes
88
423
4
110
16
0
0
100
-7
7
8
17
1
35
0
1
1
6
-8
7
-8
0
100
0no
55
174
19
86
9
1
0
70
2
3
5
10
0
20
0
0
0
50
75
3
1
3
57
1yes
86
442
2
106
20
0
0
100
-7
7
8
21
1
33
0
0
0
5
47
2
1
1
43
0no
77
128
5
67
35
0
0
100
-7
7
8
36
2
17
0
1
1
24
100
2
2
1
29
1yes
64
90
0
26
10
0
0
92
-8
6
6
13
4
31
0
2
2
41
-8
6
-8
0
100
1yes
67
212
16
87
24
2
0
86
13
6
5
29
0
55
0
1
1
41
92
6
2
0
100
0no
66
92
13
68
5
2
2
71
79
6
2
7
0
29
0
1
1
39
72
1
1
1
67
0no
75
111
9
60
15
0
0
93
66
6
6
15
1
53
0
0
0
61
43
5
3
-8
100
1yes
80
193
5
61
38
0
0
95
17
5
6
43
1
16
0
1
1
34
-8
6
1
0
64
0no
58
171
34
115
3
3
2
29
2
4
3
7
0
43
0
0
0
81
-8
1
1
1
100
1yes
77
184
5
90
43
1
0
93
-8
6
5
44
1
34
0
3
3
14
-8
9
1
1
77
1yes
63
74
4
42
13
0
0
92
2
4
6
13
1
23
0
0
0
71
73
4
2
2
100
0no
82
182
8
70
25
0
0
100
-7
7
8
26
1
8
0
2
2
6
-8
2
1
0
30
1yes
63
11
2
7
10
0
0
100
-7
7
8
12
12
25
0
10
10
18
-8
7
1
0
80
1yes
70
200
6
95
23
0
0
96
14
6
6
24
1
58
0
3
3
34
75
5
4
0
82
0no
75
232
10
126
16
3
0
76
7
4
5
21
2
5
0
0
0
24
-8
8
-8
0
50
1yes
77
186
13
70
9
1
0
90
53
6
5
10
0
60
0
1
1
32
50
1
3
1
67
0no
70
128
6
59
15
0
0
87
1
4
6
15
2
47
0
1
1
3
-8
1
1
0
33
1yes
90
324
4
110
13
0
0
100
-7
7
8
13
1
54
0
1
1
8
41
2
3
0
83
1yes
57
162
7
56
15
0
0
87
2
4
6
15
1
27
0
0
0
85
-8
3
1
2
100
1yes
60
198
12
46
7
3
2
90
40
6
5
12
0
20
0
1
0
37
-8
7
1
1
100
1yes
75
160
2
66
36
1
0
95
16
6
5
38
1
18
0
4
4
19
78
4
2
1
32
1yes
68
171
6
89
16
0
0
94
71
6
6
17
1
12
0
1
1
51
-8
5
1
4
50
1yes
56
122
5
52
12
1
0
77
1
4
5
13
1
62
0
2
2
89
88
1
2
1
75
1yes
88
206
3
81
31
0
0
100
-7
7
8
33
3
67
0
1
1
26
88
2
6
0
89
0no
67
41
11
22
3
0
0
100
-7
7
8
3
1
67
0
0
0
-8
90
-8
1
-8
100
1yes
65
122
6
53
28
0
0
100
-7
7
8
35
6
24
0
6
6
72
73
5
1
5
67
1yes
77
143
10
52
12
0
0
100
-7
7
8
12
1
33
0
2
0
12
92
2
2
1
67
0no
56
349
2
83
35
0
0
89
21
6
6
38
7
39
0
3
3
74
83
11
5
6
85
1yes
64
70
6
45
26
1
1
100
-7
6
8
27
3
52
0
11
11
0
93
0
4
-8
57
1yes
61
166
3
49
29
0
0
100
-7
7
8
29
4
31
0
1
1
56
68
7
4
3
73
1yes
66
111
2
35
12
1
1
88
26
6
2
16
2
75
0
4
4
28
84
2
2
-8
80
1yes
71
136
10
57
24
0
0
100
-7
7
8
24
2
29
0
2
2
62
-8
2
1
1
60
0no
91
364
1
118
12
0
0
100
-7
7
8
13
1
8
0
1
1
0
-8
1
-8
0
20
0no
63
53
10
24
19
0
0
100
-7
7
8
19
2
79
0
0
0
104
86
2
8
2
91
1yes
76
266
1
93
12
0
0
100
-7
7
8
13
6
62
0
3
3
86
85
3
3
1
100
1yes
44
59
2
26
18
3
2
81
3
2
4
23
3
36
0
5
5
77
58
5
5
0
77
1yes
60
199
28
93
11
4
2
73
6
4
2
15
0
53
0
0
0
34
61
1
3
0
50
1yes
68
147
27
61
17
0
0
78
14
6
6
18
0
39
0
1
1
28
57
3
2
1
63
0no
82
184
3
77
28
0
0
100
-7
7
8
29
2
31
0
1
1
6
92
4
2
0
88
0no
54
85
3
33
34
0
0
97
39
6
6
34
7
38
0
3
3
59
89
8
7
3
84
0no
58
184
3
89
9
4
2
69
12
6
2
14
1
38
0
4
4
82
-8
2
2
2
100
1yes
78
129
4
59
37
0
0
100
-7
5
8
47
1
64
0
1
1
54
110
6
7
1
87
1yes
59
190
11
132
7
0
0
86
2
4
6
7
1
14
0
1
1
94
-8
2
-8
2
100
1yes
59
217
9
83
29
0
0
87
2
4
6
31
2
55
0
0
0
75
88
6
7
3
93
1yes
72
153
4
61
29
0
0
97
-8
6
6
29
2
55
0
2
2
37
88
5
4
1
64
0no
70
153
22
112
5
2
2
67
56
6
4
6
0
67
0
0
0
0
-8
0
1
0
50
1yes
81
311
27
118
15
0
0
93
65
6
6
15
0
20
0
0
0
27
-8
8
1
0
82
0no
63
243
1
80
13
1
0
75
4
4
5
16
3
50
0
2
2
14
-8
6
1
0
78
1yes
69
295
1
50
24
0
0
100
-7
7
8
26
6
54
0
1
1
33
58
4
10
1
80
1yes
63
59
5
31
17
2
2
95
42
6
2
20
1
53
0
2
2
57
96
2
9
-8
100
1yes
86
182
28
80
44
0
0
100
-7
7
8
44
0
77
0
1
1
5
75
1
14
0
94
0no
63
203
41
111
11
1
1
69
13
6
3
13
0
38
0
0
0
93
-8
8
-8
3
100
1yes
59
182
7
105
11
7
3
53
8
4
5
20
2
65
0
0
0
31
92
2
3
0
100
1yes
60
141
4
56
30
0
0
100
-7
7
8
30
3
33
0
0
0
84
48
11
4
4
100
1yes
69
25
12
19
2
0
0
100
-7
7
8
2
0
100
0
1
1
-8
58
-8
1
-8
100
1yes
85
169
7
62
12
0
0
100
-7
7
8
12
2
33
0
0
0
8
-8
3
2
0
71
0no
76
149
15
62
13
0
0
100
-7
7
8
13
0
38
0
0
0
0
55
0
3
0
75
0no
66
183
4
64
19
4
3
82
18
6
2
22
2
50
0
0
0
85
85
4
7
1
92
1yes
65
167
1
37
11
1
1
93
17
6
3
14
7
21
0
3
3
23
91
8
2
0
85
1yes
56
172
4
64
16
2
0
68
5
4
5
19
3
37
0
0
0
46
86
4
2
1
55
0no
80
162
9
82
22
0
0
100
-7
7
8
24
1
58
0
0
0
79
45
2
2
-8
80
0no
60
89
1
16
8
0
0
100
-7
7
8
9
8
67
0
0
0
95
87
3
6
1
100
1yes
75
429
4
101
46
0
0
100
-7
7
8
46
3
30
0
1
1
38
34
16
2
2
78
1yes
68
70
1
37
29
0
0
100
-7
7
8
30
3
57
0
3
3
33
30
9
2
1
85
1yes
85
231
9
107
13
0
0
100
-7
7
8
13
1
54
0
0
0
30
91
3
1
0
67
0no
83
67
12
39
12
0
0
100
-7
7
8
13
0
31
0
0
0
11
73
4
3
0
78
1yes
55
58
3
24
18
0
0
95
5
4
6
19
3
53
0
1
1
65
91
4
4
2
89
1yes
87
257
8
78
18
0
0
100
-7
7
8
18
2
39
0
1
1
1
87
3
2
0
38
0no
80
255
24
106
15
0
0
93
-8
6
6
15
0
47
0
1
1
0
36
1
4
0
50
0no
53
54
11
25
19
0
0
89
2
4
6
19
1
79
0
2
2
112
86
2
8
2
91
1yes
56
150
12
80
22
0
0
83
1
4
6
23
0
13
0
0
0
85
-8
8
-8
4
100
1yes
75
159
10
58
9
1
1
91
66
6
3
11
1
9
0
3
3
15
-8
2
1
0
63
0no
48
158
5
65
27
1
0
77
2
3
5
31
5
48
0
1
1
72
45
5
4
2
82
1yes
72
214
8
54
26
0
0
96
65
6
6
27
3
30
0
2
2
56
-8
10
3
1
76
1yes
75
169
15
86
22
0
0
100
-7
7
8
23
0
39
0
0
0
46
74
2
4
1
64
0no
68
132
5
43
13
0
0
100
-7
7
8
13
2
15
0
2
1
72
-8
8
1
4
82
1yes