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
70
83
3
40
26
4
2
80
10
4
4
30
3
33
-7
0
0
3
89
2
4
0
58
1yes
69
266
4
94
32
0
0
100
-7
7
8
34
2
25
-7
1
1
36
50
10
4
3
78
0no
75
132
8
48
21
0
0
95
46
6
6
23
2
14
-7
1
1
3
67
1
2
0
60
1yes
60
115
4
48
18
1
0
89
1
3
5
19
4
58
-7
4
4
44
81
4
3
1
88
1yes
61
164
0
52
31
4
4
94
40
6
2
36
4
59
-7
7
7
13
85
4
7
0
79
0no
57
474
20
140
10
4
3
54
5
4
5
13
0
31
-7
0
0
15
81
5
1
2
78
1yes
55
205
22
147
10
4
4
83
10
1
2
12
0
33
-7
2
2
99
70
2
2
2
100
1yes
83
129
5
48
4
0
0
100
-7
7
8
4
2
50
-7
1
1
30
-8
1
1
0
100
1yes
56
246
7
83
18
1
1
77
3
1
3
23
1
36
-7
0
0
49
94
3
1
1
80
1yes
63
159
5
68
39
1
0
98
17
6
5
41
1
38
-7
0
0
73
89
6
5
2
85
1yes
84
149
4
63
26
0
0
100
-7
7
8
28
4
15
-7
0
0
0
-8
1
-8
0
29
0no
60
212
10
88
23
0
0
83
3
4
6
23
1
48
-7
0
0
55
4
5
4
1
82
1yes
59
118
4
33
12
2
0
87
1
3
5
15
5
53
-7
1
1
18
87
1
2
0
60
1yes
85
171
17
81
22
0
0
100
-7
7
8
22
0
32
-7
0
0
17
-8
1
1
0
40
0no
86
159
4
69
39
0
0
100
-7
7
8
42
2
49
-7
0
0
1
76
4
3
0
54
0no
58
128
12
61
29
0
0
97
5
4
6
29
0
45
-7
2
2
37
76
6
8
2
82
0no
76
169
6
63
29
1
0
90
12
6
5
30
2
40
-7
0
0
0
27
1
3
0
33
0no
62
139
2
41
11
0
0
93
3
4
6
15
2
80
-7
2
2
92
92
1
4
1
100
1yes
57
151
7
65
14
4
4
81
5
2
4
16
2
75
-7
1
1
36
90
1
3
0
100
1yes
71
94
4
54
13
1
0
56
26
6
5
18
2
39
-7
1
1
0
95
0
2
0
33
1yes
57
164
8
66
34
19
19
94
28
6
2
35
1
34
-7
0
0
14
68
4
6
0
77
1yes
72
140
3
80
27
0
0
96
66
6
6
27
3
44
-7
0
0
22
39
5
4
1
75
0no
68
179
6
66
32
0
0
97
20
6
6
32
3
19
-7
0
0
47
73
4
3
1
50
0no
76
134
35
84
21
0
0
95
-8
6
6
21
0
52
-7
0
0
38
-8
1
1
0
67
1yes
74
127
7
80
31
0
0
98
56
6
6
46
3
57
-7
1
1
29
88
4
3
0
78
1yes
90
300
15
109
17
0
0
100
-7
7
8
18
0
29
-7
0
0
8
-8
2
1
0
60
1yes
69
70
3
47
23
0
0
100
-7
7
8
24
2
9
-7
3
3
41
-8
13
1
2
79
1yes
83
166
2
65
18
0
0
95
57
6
6
19
3
32
-7
1
1
12
64
2
3
0
63
0no
69
148
4
66
41
0
0
100
-7
7
8
41
4
10
-7
1
1
32
60
7
3
1
50
1yes
87
-8
14
102
13
0
0
100
-7
7
8
13
0
54
-7
0
0
25
-8
1
1
0
50
1yes
68
205
5
51
30
0
0
97
7
4
6
31
4
23
-7
0
0
31
89
5
4
1
45
1yes
73
256
2
64
23
0
0
100
-7
7
8
25
4
46
-7
3
3
60
96
3
3
2
64
1yes
85
253
2
82
15
0
0
94
69
6
6
18
4
33
-7
1
1
6
101
1
2
0
38
1yes
68
63
1
28
14
0
0
93
37
6
6
15
2
53
-7
1
0
31
-8
1
1
0
50
1yes
81
113
2
53
15
0
0
100
-7
7
8
16
3
0
-7
1
1
19
-8
4
-8
0
44
0no
92
211
20
124
33
0
0
100
-7
7
8
34
0
15
-7
0
0
0
-8
2
1
0
27
0no
77
195
3
53
33
0
0
100
-7
7
8
33
8
21
-7
2
2
1
-8
2
1
0
36
0no
57
90
3
51
35
0
0
100
-7
7
8
35
6
40
-7
2
2
68
75
6
4
4
71
1yes
68
252
21
114
15
1
0
88
5
4
5
17
0
53
-7
0
0
23
-8
2
3
0
83
0no
80
117
2
53
22
0
0
96
59
6
6
23
3
17
-7
1
1
2
-8
2
1
1
25
0no
63
176
3
69
10
9
9
77
12
6
2
20
1
46
0
2
1
89
-8
3
1
1
100
1yes
75
262
1
82
28
1
0
83
13
6
5
31
3
20
-7
3
3
9
100
5
1
0
47
1yes
87
154
13
61
16
0
0
100
-7
7
8
16
0
50
-7
0
0
15
32
1
3
0
50
0no
86
219
4
79
19
0
0
95
-8
6
6
19
1
32
-7
2
2
2
-8
1
-8
0
14
1yes
72
140
13
61
13
0
0
100
-7
7
8
13
0
8
-7
3
3
51
-8
3
-8
1
60
1yes
71
173
5
73
25
1
1
100
-7
7
8
25
2
32
-7
0
0
45
55
5
3
3
64
0no
64
114
8
55
24
0
0
92
14
6
6
26
3
35
-7
2
2
41
85
6
2
2
73
1yes
81
156
13
71
20
0
0
100
-7
7
8
21
0
43
-7
0
0
59
34
2
2
1
57
1yes
77
164
3
56
36
0
0
97
31
6
6
36
4
22
-7
2
2
3
81
3
3
0
40
0no
69
137
6
58
18
1
1
95
-7
5
7
20
3
70
-7
0
0
81
65
4
2
2
86
1yes
84
380
12
159
21
0
0
100
-7
7
8
21
0
10
-7
0
0
13
61
3
1
1
50
0no
85
139
11
78
10
0
0
100
-7
7
8
10
1
20
-7
2
1
19
-8
1
-8
1
50
0no
75
386
6
105
27
0
0
96
70
6
6
27
2
48
-7
0
0
28
51
7
3
2
77
1yes
65
248
2
77
28
3
1
84
30
5
3
33
3
53
-7
0
0
31
34
8
4
1
80
1yes
68
215
3
60
28
0
0
96
62
6
6
28
5
14
-7
4
4
59
64
4
3
3
35
1yes
62
267
106
181
6
4
3
71
8
4
5
7
0
14
-7
0
0
95
-8
1
1
1
67
1yes
54
50
2
21
11
0
0
92
3
4
6
12
7
42
-7
1
1
69
82
4
2
2
100
0no
66
226
3
95
20
1
1
100
-7
7
8
22
3
23
-7
0
0
47
86
7
3
1
67
0no
88
227
4
90
11
0
0
100
-7
7
8
11
1
18
-7
1
1
3
-8
3
1
1
50
1yes
70
69
1
25
17
0
0
100
-7
7
8
21
5
20
-7
0
0
21
89
5
2
2
70
1yes
65
45
7
27
5
0
0
80
27
6
6
6
1
60
-7
3
3
94
90
1
2
1
100
1yes
76
183
1
65
30
0
0
100
-7
7
8
32
3
19
-7
2
2
21
100
3
2
0
50
0no
64
97
10
50
22
0
0
95
15
6
6
24
1
41
-7
0
0
68
64
2
2
2
44
0no
74
176
5
87
21
0
0
95
19
6
6
21
1
38
-7
2
2
29
89
3
1
1
50
1yes
91
328
45
169
14
0
0
100
-7
7
8
14
0
29
-7
0
0
6
-8
3
3
0
60
0no
70
150
11
83
31
0
0
97
-8
6
6
31
1
77
-7
0
0
79
53
2
3
2
83
1yes
61
159
2
80
27
3
2
74
5
4
2
32
2
10
-7
1
1
21
-8
5
1
2
50
1yes
64
237
13
88
7
3
3
70
18
6
3
10
0
70
-7
0
0
34
88
1
1
0
67
1yes
88
177
2
65
14
0
0
100
-7
7
8
15
2
53
-7
0
0
4
93
2
2
0
80
1yes
70
165
15
90
26
1
1
87
15
6
6
31
0
81
-7
0
0
19
51
1
4
-8
100
1yes
58
39
1
27
12
0
0
100
-7
7
8
13
1
54
-7
4
4
94
62
3
1
2
80
0no
70
115
3
48
18
0
0
95
61
6
6
19
2
26
-7
5
5
72
50
3
3
1
86
1yes
72
255
6
57
24
0
0
100
-7
7
8
24
6
46
-7
0
0
69
40
3
2
1
75
1yes
73
151
3
57
20
0
0
100
-7
7
8
22
4
25
-7
0
0
46
78
5
3
1
73
0no
81
270
2
94
22
0
0
100
-7
7
8
23
3
39
-7
1
1
6
29
4
2
0
78
0no
82
200
9
64
20
0
0
100
-7
7
8
20
1
5
-7
2
2
10
-8
5
-8
0
50
0no
73
44
5
18
20
0
0
100
-7
7
8
20
10
35
-7
0
0
23
95
5
3
0
67
0no
69
194
2
79
15
0
0
71
25
6
6
17
2
29
-7
6
6
1
22
3
3
1
60
0no
81
119
6
54
15
0
0
100
-7
7
8
16
1
20
-7
0
0
26
-8
4
1
0
56
0no
82
476
3
113
25
0
0
100
-7
7
8
25
3
8
-7
3
3
0
98
4
1
1
29
0no
84
-8
6
117
53
0
0
100
-7
7
8
58
2
53
-7
0
0
9
13
6
2
1
73
0no
85
198
11
84
19
0
0
100
-7
6
7
19
2
32
-7
0
0
9
40
6
2
0
62
1yes
75
235
6
85
15
0
0
94
17
6
6
16
1
38
-7
1
1
40
96
1
2
1
50
1yes
74
565
4
148
24
0
0
96
62
6
6
24
2
13
-7
0
0
34
90
6
1
1
58
1yes
80
271
9
62
12
0
0
92
9
4
6
12
1
33
-7
0
0
29
50
1
2
0
60
1yes
40
177
1
64
4
14
10
29
2
0
2
17
3
53
-7
8
8
106
97
1
2
1
100
1yes
56
119
11
58
21
1
1
86
11
0
6
21
1
14
-7
0
0
47
-8
5
-8
3
67
1yes
68
178
7
67
36
2
0
78
7
4
5
41
3
54
-7
0
0
17
65
4
5
0
64
1yes
72
206
3
90
46
1
0
96
44
6
5
47
2
26
-7
2
2
45
58
2
4
1
50
1yes
54
119
110
115
1
2
2
50
1
1
3
2
0
0
-7
1
1
-8
-8
-8
-8
-8
-8
1yes
70
178
6
114
16
0
0
88
12
6
6
16
2
31
-7
0
0
43
16
7
3
3
92
1yes
59
85
6
47
27
0
0
100
-7
7
8
28
3
33
-7
6
5
97
87
3
2
3
100
1yes
82
187
0
68
17
0
0
100
-7
7
8
18
2
39
-7
0
0
19
96
2
2
0
67
1yes
64
154
3
64
19
1
1
95
10
0
2
20
2
20
-7
1
1
60
33
8
2
2
73
1yes
86
189
2
76
19
0
0
100
-7
7
8
24
3
58
-7
0
0
5
100
4
3
0
78
0no
71
293
5
74
22
1
1
91
5
4
2
23
2
13
-7
1
1
18
94
6
2
0
47
1yes
88
197
0
87
28
0
0
100
-7
7
8
30
3
23
-7
4
4
0
-8
3
1
0
36
0no
67
81
3
44
19
0
0
89
8
4
6
20
2
21
-7
0
0
36
-8
7
1
1
89
1yes
71
107
27
62
9
1
1
90
21
6
2
10
0
40
-7
1
1
57
36
3
2
1
100
0no
86
206
18
100
18
0
0
100
-7
7
8
24
0
38
-7
2
2
0
-8
0
1
0
50
0no