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
85
420
7
109
22
0
0
96
81
6
6
24
2
17
0
0
0
1
-8
2
1
0
18
0no
74
173
13
68
20
0
0
95
10
4
6
20
0
50
0
0
0
33
47
2
6
0
80
1yes
72
73
2
34
30
0
0
100
-7
7
8
31
4
19
0
4
4
21
95
7
3
2
50
0no
56
237
5
92
24
3
2
70
5
3
5
27
3
52
0
8
7
22
65
4
4
1
62
0no
64
212
14
105
17
4
3
73
32
0
5
25
0
5
0
1
1
0
-8
0
1
0
33
1yes
51
169
5
70
19
0
0
62
2
4
6
21
1
33
0
0
0
87
48
5
2
4
64
1yes
77
229
3
109
23
0
0
100
-7
7
8
23
2
35
0
0
0
38
93
4
3
1
58
1yes
76
165
6
87
29
1
1
95
49
6
3
43
3
65
0
0
0
31
58
4
6
1
71
0no
82
120
2
43
15
0
0
100
-7
7
8
17
4
29
0
0
0
33
80
2
4
0
86
0no
62
233
8
79
6
3
2
86
44
6
5
9
1
57
0
0
0
63
71
2
3
-8
83
1yes
73
158
1
59
24
0
0
96
33
6
6
25
1
60
0
0
0
50
66
2
3
1
83
1yes
68
121
8
45
13
0
0
85
9
4
6
13
2
15
0
3
3
26
-8
1
2
0
60
0no
68
117
12
57
25
0
0
96
21
6
6
25
0
4
0
2
2
31
-8
6
-8
1
70
1yes
73
121
7
57
20
1
1
100
-7
7
8
21
1
50
0
0
0
6
54
2
4
0
86
0no
82
351
25
101
17
0
0
100
-7
7
8
17
0
47
0
0
0
22
-8
4
2
0
86
0no
69
66
8
38
15
1
1
94
21
6
2
16
2
63
0
1
1
38
58
1
5
0
86
1yes
68
142
4
61
21
0
0
90
28
6
6
21
4
43
0
6
5
45
100
3
2
2
63
1yes
86
176
13
67
21
0
0
100
-7
7
8
22
0
41
0
1
1
12
79
3
2
0
100
1yes
63
282
2
106
19
5
4
80
23
6
4
26
1
44
0
0
0
12
-8
1
1
0
67
1yes
68
149
9
71
22
1
0
91
9
4
5
23
2
26
0
1
1
26
69
5
3
1
57
0no
69
82
7
46
33
0
0
100
-7
7
8
34
3
32
0
0
0
46
81
7
4
2
73
0no
82
272
3
106
26
1
1
89
10
4
4
28
1
32
0
0
0
7
-8
2
2
0
38
1yes
66
371
10
133
23
2
0
79
23
6
5
29
1
55
0
2
2
25
80
2
3
1
86
1yes
88
374
9
75
23
0
0
100
-7
7
8
23
1
17
0
3
1
1
-8
3
1
0
44
0no
58
79
6
40
43
0
0
100
-7
7
8
43
3
49
0
2
2
59
96
8
2
4
77
1yes
79
117
15
59
31
0
0
97
53
6
6
31
0
29
0
1
1
0
60
0
4
0
67
0no
79
163
1
70
12
0
0
100
-7
7
8
14
3
43
0
2
2
32
78
3
3
0
75
1yes
55
137
6
63
34
0
0
94
1
4
6
34
4
44
0
1
1
56
61
7
4
3
73
1yes
54
253
6
94
59
2
0
71
3
3
2
66
5
76
0
0
0
45
55
3
2
2
71
1yes
91
320
13
123
5
0
0
100
-7
7
8
5
0
20
0
0
0
4
66
2
1
0
60
0no
85
299
2
95
12
0
0
93
46
6
6
14
3
14
0
2
2
5
101
3
2
0
78
0no
58
152
12
69
20
4
3
86
2
4
3
23
0
55
0
0
0
44
-8
6
1
1
64
0no
62
185
8
83
58
2
2
92
30
5
2
60
4
73
0
0
0
109
79
9
8
4
100
1yes
59
90
17
60
11
1
1
100
-7
0
8
13
0
50
0
2
2
76
-8
1
2
-8
100
1yes
77
46
5
27
7
0
0
100
-7
7
8
7
2
43
0
1
1
0
96
0
2
-8
67
1yes
91
454
89
173
9
0
0
100
-7
7
8
9
0
33
0
1
1
1
-8
1
-8
0
33
1yes
65
116
1
58
24
1
1
100
-7
7
8
38
6
59
0
7
7
35
78
3
7
2
71
0no
88
206
2
79
25
0
0
100
-7
7
8
27
3
56
0
3
3
0
74
0
3
-8
43
0no
58
62
4
30
16
0
0
94
25
5
6
16
4
13
0
4
4
82
90
6
1
2
70
1yes
71
74
3
30
14
1
0
76
23
6
5
17
4
53
0
0
0
13
94
3
5
0
80
1yes
66
100
5
56
13
2
0
71
39
6
5
17
2
41
0
4
1
39
82
2
2
1
57
1yes
75
69
1
39
16
0
0
100
-7
7
8
18
4
17
0
2
2
21
-8
4
1
0
50
0no
73
102
2
41
22
0
0
100
-7
7
8
23
2
35
0
0
0
21
46
4
4
1
62
1yes
85
342
64
140
10
0
0
100
-7
7
8
10
0
60
0
0
0
18
-8
2
-8
0
67
0no
54
111
19
57
10
1
0
55
10
4
5
11
0
45
0
0
0
84
66
4
3
3
100
1yes
66
145
6
91
18
1
1
100
-7
6
8
19
1
21
0
2
2
67
8
7
2
3
69
1yes
74
378
15
120
15
0
0
93
19
6
6
15
0
13
0
0
0
59
-8
6
1
2
78
1yes
61
40
5
19
9
0
0
89
38
6
6
9
3
56
0
5
5
56
75
2
5
1
100
1yes
64
99
7
43
8
0
0
100
-7
7
8
8
2
38
0
4
3
76
89
5
3
1
100
1yes
77
175
8
54
13
1
1
100
-7
6
8
13
1
15
0
1
1
6
-8
2
1
0
75
0no
65
235
3
65
28
0
0
90
40
6
6
29
5
31
0
2
2
31
71
12
4
1
80
1yes
72
126
12
64
15
0
0
100
-7
5
8
15
0
47
0
2
2
77
69
4
2
2
75
1yes
55
37
6
24
6
1
0
86
1
3
5
7
2
57
0
0
0
13
-8
2
1
1
75
1yes
62
77
9
43
9
2
1
64
14
6
2
11
1
64
0
0
0
-8
84
-8
4
-8
100
1yes
82
205
3
87
21
0
0
100
-7
7
8
23
1
48
0
0
0
10
70
3
6
0
75
0no
83
361
8
94
25
0
0
96
63
6
6
26
2
27
0
0
0
11
61
3
2
0
42
0no
76
177
30
80
13
0
0
85
26
6
6
13
0
54
0
1
1
42
-8
2
1
0
60
0no
89
425
27
133
8
0
0
100
-7
7
8
8
0
25
0
0
0
5
-8
2
1
0
50
0no
66
81
4
35
10
0
0
100
-7
7
8
10
3
60
0
1
1
79
94
4
2
2
100
1yes
63
309
23
114
21
2
1
78
14
6
5
24
0
26
0
0
0
43
72
5
2
1
54
0no
60
49
5
23
16
0
0
100
-7
7
8
16
3
31
0
1
1
40
82
6
3
0
90
1yes
71
158
1
71
29
0
0
100
-7
7
8
30
6
30
0
2
2
39
94
5
3
2
67
1yes
71
386
2
86
30
1
0
97
10
3
5
33
2
24
0
0
0
24
60
5
5
1
53
0no
71
12
12
12
1
0
0
100
-7
7
8
1
0
100
0
2
2
-8
88
-8
1
-8
100
1yes
56
100
22
47
2
3
2
40
7
0
2
5
0
20
0
1
1
-8
-8
-8
1
-8
100
1yes
65
309
3
123
7
1
1
100
-7
7
8
8
1
57
0
2
2
98
-8
2
1
-8
100
1yes
66
78
6
25
22
1
1
96
39
6
4
27
5
22
0
3
1
38
78
8
4
0
67
1yes
69
172
2
67
26
0
0
96
2
4
6
27
1
33
0
6
5
18
-8
3
1
0
44
1yes
72
183
7
63
15
0
0
100
-7
7
8
15
1
40
0
4
4
61
62
2
1
1
38
1yes
58
311
14
67
21
2
2
74
15
6
4
30
0
10
0
0
0
79
36
7
2
3
100
1yes
69
281
6
76
36
0
0
100
-7
7
8
36
2
25
0
4
4
12
83
5
2
3
41
0no
64
110
4
50
14
1
1
94
43
6
2
17
1
47
0
2
2
70
91
2
2
0
80
0no
72
270
1
91
35
0
0
94
22
6
6
36
2
8
0
0
0
40
-8
11
1
1
57
1yes
72
135
5
50
26
0
0
100
-7
7
8
26
2
50
0
0
0
78
-8
4
1
1
83
0no
59
207
12
56
15
0
0
81
4
4
6
16
0
69
0
1
1
32
79
2
2
1
80
1yes
70
284
1
64
12
1
0
71
9
4
5
14
1
14
0
1
1
15
60
3
2
0
63
0no
65
59
3
27
15
0
0
100
-7
7
8
17
5
41
0
0
0
75
99
5
2
2
78
1yes
62
143
6
76
21
2
2
83
4
4
3
23
1
22
0
0
0
61
96
6
2
3
73
0no
66
204
8
69
11
1
0
83
10
4
5
12
2
75
0
0
0
0
92
0
3
0
80
1yes
58
187
2
60
19
0
0
85
5
4
6
20
1
25
0
1
1
73
99
5
2
3
78
1yes
61
164
10
80
54
1
0
88
3
3
5
59
2
83
0
2
2
47
63
4
10
0
88
1yes
72
243
3
71
24
1
1
100
-7
7
8
26
3
24
0
2
2
2
96
3
1
0
29
0no
72
370
4
70
20
0
0
100
-7
7
8
20
3
40
0
1
1
73
50
2
7
2
83
0no
73
181
8
71
25
0
0
100
-7
7
8
25
4
56
0
0
0
45
76
6
6
1
86
1yes
63
377
3
95
21
4
2
91
6
0
5
25
2
30
0
4
4
34
-8
4
-8
0
57
1yes
88
188
3
73
16
0
0
100
-7
7
8
16
2
25
0
0
0
6
-8
2
1
0
43
1yes
66
120
2
43
18
0
0
100
-7
7
8
21
3
55
-7
0
0
87
83
5
5
3
100
1yes
76
131
21
67
15
1
0
81
11
3
5
16
0
19
-7
1
1
5
-8
1
1
1
50
1yes
58
118
3
40
10
1
1
91
48
6
4
11
2
36
-7
0
0
50
86
5
3
1
100
1yes
79
177
4
89
21
0
0
100
-7
7
8
21
1
29
-7
0
0
67
-8
2
1
0
75
0no
89
175
29
94
4
0
0
100
-7
7
8
6
0
20
-7
4
4
0
-8
0
-8
0
0
1yes
72
174
3
55
21
0
0
95
65
6
6
22
3
36
-7
5
5
17
98
3
2
1
56
1yes
70
275
2
110
28
14
14
68
13
6
3
44
3
55
-7
0
0
31
89
3
2
1
50
1yes
59
172
33
90
9
0
0
56
5
4
6
9
0
56
-7
2
2
103
28
2
2
2
100
1yes
78
165
7
52
8
0
0
100
-7
7
8
8
1
38
-7
1
1
53
91
2
2
0
80
0no
60
37
9
22
11
0
0
100
-7
7
8
11
1
55
-7
8
8
112
61
3
1
0
100
1yes
62
172
4
71
29
0
0
86
2
4
6
29
2
28
-7
1
1
32
50
2
4
2
50
1yes
63
178
7
46
21
2
2
95
13
6
2
22
1
55
-7
1
1
74
86
6
3
2
91
1yes
84
308
10
125
27
0
0
100
-7
7
8
27
1
37
-7
0
0
27
52
2
5
0
70
0no
56
131
2
62
27
4
0
70
10
4
5
33
4
45
-7
2
2
31
84
5
6
2
69
1yes