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
69
183
13
88
24
2
2
88
5
4
6
24
0
33
-7
4
3
3
79
2
2
0
57
1yes
68
142
3
66
37
2
2
90
19
6
3
40
3
23
-7
2
2
24
37
4
4
0
53
1yes
82
221
10
77
40
0
0
98
24
6
6
40
1
15
-7
0
0
4
-8
2
-8
0
15
1yes
70
125
10
77
13
3
2
72
29
6
4
18
2
44
-7
4
4
9
77
4
2
0
100
1yes
61
51
2
25
16
0
0
88
21
5
6
17
2
18
-7
1
1
43
49
6
2
1
69
1yes
57
10
5
7
6
0
0
100
-7
7
8
6
6
50
-7
0
0
97
93
3
2
1
100
1yes
70
198
50
93
7
1
0
63
18
6
5
8
0
50
-7
0
0
28
42
1
3
1
67
1yes
68
247
3
134
36
0
0
100
-7
7
8
37
1
16
-7
1
1
79
-8
19
2
12
78
1yes
67
260
7
73
15
0
0
81
3
4
6
16
2
44
-7
1
1
44
-8
4
1
0
100
1yes
73
192
20
93
20
1
1
95
48
6
6
20
0
50
-7
1
1
33
75
1
5
0
60
1yes
59
261
7
158
16
0
0
79
3
4
6
19
1
21
-7
0
0
76
86
10
2
4
100
1yes
64
157
2
38
6
4
4
88
33
6
2
8
2
50
-7
1
1
34
95
3
2
0
83
1yes
78
141
9
64
20
0
0
100
-7
7
8
20
1
35
-7
0
0
48
98
1
4
-8
75
0no
83
97
2
40
10
0
0
100
-7
7
8
11
3
36
-7
1
0
5
95
3
2
0
63
1yes
90
131
22
90
14
0
0
100
-7
7
8
15
0
50
-7
0
0
2
-8
1
1
0
50
1yes
56
180
8
74
29
2
2
87
2
1
3
32
4
30
-7
1
1
30
80
5
4
1
69
1yes
64
165
1
71
15
1
1
83
4
4
3
20
2
33
-7
3
3
57
-8
4
1
2
45
1yes
80
226
79
122
10
0
0
70
8
4
6
11
0
0
-7
0
0
1
-8
1
-8
0
33
0no
77
161
2
68
24
0
0
96
18
6
6
25
1
12
-7
0
0
5
-8
3
1
0
57
0no
74
195
10
75
34
0
0
100
-7
7
8
34
2
29
-7
0
0
20
30
6
4
2
67
0no
59
84
2
33
18
1
1
100
-7
6
8
19
4
53
-7
3
3
84
83
6
4
4
92
0no
67
112
3
74
4
1
0
80
30
6
5
5
1
100
-7
5
5
-8
-8
-8
1
-8
100
1yes
62
255
70
152
14
0
0
50
4
4
6
16
0
19
-7
3
2
84
-8
11
1
7
100
0no
86
206
26
89
15
0
0
100
-7
7
8
17
0
47
-7
0
0
5
-8
2
1
0
50
1yes
68
152
12
71
44
1
1
96
21
6
2
48
0
21
-7
0
0
14
16
5
2
0
64
0no
72
89
2
44
21
1
1
83
31
6
2
24
2
30
-7
2
2
8
86
2
3
0
100
1yes
66
173
1
75
30
0
0
97
7
4
6
32
1
38
-7
1
0
43
100
6
1
1
70
1yes
49
200
2
71
45
0
0
98
4
4
6
48
3
22
-7
1
1
86
471
19
2
9
81
1yes
70
226
5
74
22
0
0
91
66
6
6
22
1
32
-7
0
0
61
94
5
2
2
64
1yes
76
130
2
72
13
0
0
93
7
4
6
14
1
43
-7
0
0
21
-8
2
1
0
60
1yes
62
102
2
69
6
1
1
75
44
6
2
8
1
50
-7
1
1
65
-8
4
-8
1
100
1yes
70
139
17
76
23
1
1
100
-7
6
8
23
0
39
-7
0
0
39
53
4
2
1
100
0no
74
108
5
49
19
0
0
100
-7
7
8
19
1
32
-7
0
0
59
64
4
2
1
67
1yes
78
130
4
64
22
0
0
100
-7
7
8
22
1
18
-7
5
5
10
-8
3
-8
1
43
0no
86
153
5
70
13
0
0
100
-7
7
8
14
1
29
-7
1
1
18
60
2
2
0
50
0no
51
129
14
72
8
5
3
54
3
1
3
13
0
38
-7
1
1
95
80
3
2
2
100
1yes
90
194
31
86
11
0
0
100
-7
7
8
11
0
27
-7
1
1
5
-8
3
1
0
57
0no
85
167
2
58
11
0
0
100
-7
7
8
12
2
42
-7
2
2
15
-8
2
1
0
75
0no
71
209
7
88
35
0
0
91
19
6
6
35
3
34
-7
0
0
38
61
6
7
0
87
1yes
70
172
4
73
12
0
0
75
43
6
6
12
1
33
-7
0
0
55
-8
4
1
1
83
1yes
74
344
9
86
13
1
1
93
14
6
2
14
1
57
-7
1
1
0
31
1
3
0
67
1yes
68
-8
1
18
7
0
0
100
-7
7
8
8
4
38
-7
9
7
37
-8
2
1
0
67
1yes
73
46
1
21
7
0
0
100
-7
7
8
8
2
50
-7
1
1
17
77
2
2
0
83
1yes
78
311
4
134
17
1
1
89
77
6
2
20
1
11
-7
1
1
1
-8
3
-8
0
56
0no
71
151
3
76
44
1
1
98
11
2
4
45
2
16
-7
0
0
19
70
9
3
1
55
0no
66
172
10
90
44
0
0
100
-7
7
8
48
1
38
-7
2
1
65
85
12
2
8
82
1yes
58
195
2
57
26
0
0
100
-7
7
8
27
4
33
-7
4
4
72
100
9
2
3
92
1yes
64
212
2
61
33
1
0
87
11
4
5
39
7
49
-7
10
10
0
100
1
5
0
50
1yes
73
243
18
122
20
0
0
95
3
4
6
21
0
5
-7
3
3
1
-8
4
-8
0
44
0no
67
228
19
126
10
0
0
82
15
6
6
12
0
18
-7
3
3
37
-8
6
1
1
88
1yes
62
193
15
92
18
0
0
83
5
4
6
18
0
22
-7
0
0
76
-8
11
1
7
92
1yes
89
182
47
100
8
0
0
100
-7
7
8
8
0
38
-7
2
2
4
-8
2
1
0
60
1yes
61
104
3
50
37
0
0
86
20
6
6
37
2
38
-7
4
4
52
94
6
5
3
65
1yes
82
258
8
118
22
1
0
91
78
6
5
23
2
43
-7
0
0
39
66
2
2
0
57
0no
58
122
5
52
12
2
1
85
14
0
5
13
2
46
-7
1
1
72
73
5
4
2
100
1yes
72
177
3
62
33
0
0
94
12
6
6
33
1
12
-7
1
1
10
-8
5
1
0
46
0no
67
215
17
75
34
0
0
100
-7
7
8
34
0
50
-7
0
0
90
75
9
2
6
85
1yes
61
56
6
31
21
0
0
100
-7
7
8
21
2
29
-7
0
0
71
83
5
5
3
77
1yes
56
72
1
28
6
3
3
88
41
6
2
8
3
25
-7
2
2
86
3
5
1
3
100
1yes
58
258
1
81
16
0
0
89
9
4
6
18
3
33
-7
3
3
81
95
8
3
4
92
1yes
77
175
39
90
9
0
0
100
-7
7
8
9
0
22
-7
2
2
65
-8
4
1
1
83
0no
64
179
2
85
26
0
0
100
-7
7
8
28
4
32
-7
1
1
85
38
10
2
6
86
1yes
87
115
11
59
9
0
0
100
-7
7
8
9
2
78
-7
1
1
0
-8
0
2
0
50
1yes
71
100
3
44
11
0
0
77
3
4
6
13
3
54
-7
2
2
2
50
1
2
-8
60
1yes
75
290
15
107
10
1
1
82
31
6
3
11
0
36
-7
2
2
32
57
2
3
-8
83
0no
65
142
4
45
16
0
0
94
0
4
6
16
4
25
-7
3
3
19
59
4
3
1
70
1yes
68
181
6
98
2
1
1
67
66
6
3
3
1
100
-7
0
0
-8
-8
-8
1
-8
100
1yes
88
324
18
126
17
0
0
100
-7
7
8
17
0
6
-7
0
0
4
-8
5
1
1
75
1yes
74
150
3
88
21
1
1
88
7
4
2
24
1
25
-7
1
1
1
-8
3
-8
0
43
1yes
85
355
9
122
38
0
0
97
-8
6
6
38
1
26
-7
0
0
1
-8
7
1
0
44
0no
77
221
0
64
31
0
0
94
14
6
6
36
4
51
-7
1
0
9
88
3
6
0
45
1yes
58
381
3
77
23
3
2
76
8
0
2
25
2
28
-7
0
0
29
82
5
4
0
69
1yes
87
128
9
59
13
0
0
100
-7
7
8
13
1
31
-7
0
0
3
6
3
2
0
63
1yes
72
225
3
68
28
0
0
96
18
6
6
28
4
18
-7
0
0
25
100
5
2
1
50
0no
74
104
5
49
13
0
0
100
-7
7
8
13
1
31
-7
0
0
60
81
5
3
1
100
1yes
61
83
1
43
40
0
0
100
-7
7
8
47
2
32
-7
0
0
50
85
10
5
5
52
1yes
76
-8
2
89
28
0
0
100
-7
7
8
30
3
37
-7
3
3
17
97
6
2
2
62
0no
63
153
4
52
6
1
1
71
17
6
3
7
1
14
-7
1
1
54
76
5
1
1
86
1yes
77
187
2
63
35
0
0
100
-7
7
8
36
1
19
-7
0
0
13
-8
6
1
1
35
1yes
85
200
10
57
19
0
0
100
-7
7
8
19
1
16
-7
0
0
7
65
4
2
0
50
1yes
87
193
2
83
36
0
0
100
-7
7
8
40
1
23
0
2
2
1
-8
5
1
0
38
0no
73
90
1
37
24
0
0
96
11
4
6
25
2
40
1
1
1
9
69
8
4
0
80
1yes
62
93
9
40
12
1
1
85
3
0
2
13
1
54
8
0
0
30
90
2
2
1
57
1yes
63
128
7
56
13
2
2
71
36
6
2
15
1
29
11
0
0
0
-8
0
2
-8
33
0no
62
206
6
54
34
1
1
100
-7
6
8
36
5
47
0
1
1
31
81
3
4
1
54
1yes
78
410
2
93
40
0
0
98
59
6
6
41
3
27
11
0
0
2
51
11
3
0
54
1yes
81
188
3
75
47
0
0
100
-7
7
8
48
2
17
1
1
1
2
-8
4
1
0
36
0no
60
160
3
48
16
0
0
81
5
4
6
16
4
31
4
2
2
65
74
2
3
1
63
0no
63
232
11
78
34
0
0
97
10
4
6
36
2
14
20
0
0
75
83
9
2
5
65
1yes
59
126
12
58
18
2
1
85
5
2
4
24
0
30
0
10
10
95
42
5
3
2
80
0no
80
263
21
116
25
0
0
100
-7
7
8
25
0
64
21
0
0
48
-8
3
2
0
71
1yes
78
173
21
93
25
0
0
92
7
4
6
26
0
35
16
0
0
4
34
4
2
0
44
1yes
85
214
5
79
28
0
0
97
39
6
6
33
1
33
14
0
0
7
-8
3
2
0
50
0no
60
130
1
48
11
5
5
92
38
0
6
12
1
25
0
2
2
74
83
4
1
1
100
1yes
78
213
32
119
20
0
0
100
-7
7
8
20
0
30
10
0
0
45
58
3
2
1
55
1yes
67
246
2
58
17
1
1
95
43
6
3
19
7
37
1
2
2
60
95
5
3
1
73
1yes
89
150
19
69
12
0
0
100
-7
7
8
12
0
33
-8
0
0
2
55
1
2
0
43
0no
56
89
6
38
26
1
0
93
4
3
5
27
2
26
11
0
0
49
60
9
4
1
94
1yes
59
147
1
52
5
1
1
86
2
0
2
7
1
71
12
0
0
78
100
2
2
1
100
1yes
60
132
6
67
14
1
1
59
3
4
4
17
2
18
7
0
0
41
94
1
2
1
50
0no