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
56
151
19
78
38
2
2
90
7
4
3
42
0
67
1
3
3
86
59
5
3
1
100
1yes
66
84
25
54
2
2
0
25
21
6
5
4
0
25
0
3
3
97
-8
1
1
1
100
1yes
55
152
9
43
31
0
0
97
12
6
6
43
3
32
1
12
12
92
-8
7
1
7
82
1yes
82
127
4
69
27
0
0
100
-7
7
8
28
3
18
0
3
3
25
99
6
3
1
50
0no
55
253
3
74
31
1
1
97
2
0
6
31
1
42
0
2
2
11
92
4
6
0
80
1yes
68
230
5
94
23
0
0
88
12
6
6
24
3
54
2
1
1
40
64
4
6
1
79
1yes
88
313
14
116
5
0
0
100
-7
7
8
5
0
0
10
0
0
13
-8
3
-8
0
75
1yes
67
194
5
80
17
0
0
94
2
4
6
17
1
41
3
1
1
30
49
1
4
1
71
1yes
68
21
7
13
7
0
0
100
-7
7
8
7
2
86
2
2
2
19
90
1
5
-8
100
1yes
65
148
1
65
16
0
0
100
-7
7
8
17
1
29
4
1
1
79
69
7
5
6
92
1yes
61
84
13
31
9
0
0
89
20
6
6
9
0
33
5
0
0
81
-8
5
1
3
100
1yes
91
392
24
150
17
0
0
100
-7
7
8
17
0
6
-8
0
0
7
-8
3
1
0
44
1yes
70
74
9
47
16
0
0
100
-7
7
8
16
1
50
1
4
4
44
73
4
2
2
67
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
58
165
8
79
27
0
0
96
19
6
6
27
1
37
4
1
1
85
78
9
5
5
100
1yes
91
181
17
60
8
0
0
100
-7
7
8
9
0
38
0
1
1
0
-8
2
1
0
60
0no
64
175
20
115
13
2
0
56
35
6
5
16
0
19
19
0
0
85
74
9
1
6
91
1yes
89
166
6
96
19
0
0
100
-7
7
8
19
1
32
9
0
0
10
66
4
2
1
75
1yes
67
164
10
77
46
1
1
98
5
4
6
50
1
18
8
0
0
24
68
12
2
1
54
1yes
81
280
3
84
21
0
0
100
-7
7
8
23
1
33
16
0
0
16
75
2
2
0
50
1yes
67
117
5
61
26
0
0
93
30
6
6
27
3
15
3
1
1
86
-8
5
1
3
67
0no
65
148
1
64
42
1
0
82
11
4
5
45
4
60
1
4
4
13
65
3
8
2
75
1yes
79
289
7
81
19
0
0
100
-7
7
8
20
1
32
5
0
0
67
55
2
1
1
50
1yes
48
155
26
79
32
10
10
82
1
0
2
40
0
29
0
2
2
88
86
7
10
3
77
1yes
80
344
4
92
35
0
0
94
59
6
6
38
3
26
10
0
0
17
86
5
2
0
39
0no
70
117
3
50
18
0
0
89
15
6
6
18
4
50
7
0
0
42
83
2
3
0
63
1yes
77
61
2
33
14
0
0
100
-7
7
8
15
1
7
21
0
0
27
-8
4
1
0
56
1yes
71
161
4
70
12
1
1
100
-7
6
8
12
2
33
2
5
5
12
-8
2
-8
0
50
1yes
66
233
2
69
28
0
0
93
64
6
6
29
2
48
9
0
0
58
64
7
3
2
71
0no
80
150
2
64
18
0
0
95
19
6
6
19
2
68
9
0
0
8
91
1
2
0
50
1yes
70
418
6
102
19
0
0
100
-7
7
8
19
5
21
0
1
1
44
-8
7
2
3
77
0no
61
281
9
107
22
2
0
79
2
4
5
24
4
42
6
0
0
86
91
3
3
2
78
1yes
84
312
27
111
19
0
0
100
-7
7
8
20
0
32
12
1
0
49
10
3
2
0
60
0no
80
175
24
99
15
0
0
100
-7
7
8
15
0
33
1
1
1
1
24
3
2
0
100
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
77
198
8
63
20
0
0
100
-7
7
8
20
2
45
14
0
0
35
74
5
4
1
91
0no
81
147
11
90
9
1
0
90
42
6
5
10
1
10
1
2
2
0
-8
2
-8
0
29
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
71
193
37
105
9
0
0
78
11
4
6
9
0
44
-8
0
0
39
12
2
2
0
67
0no
56
127
9
58
30
0
0
90
0
4
6
30
1
80
0
2
2
74
59
3
7
1
100
1yes
55
254
1
69
23
0
0
92
0
4
6
24
1
58
21
0
0
97
66
5
3
4
89
1yes
74
150
5
43
22
0
0
96
33
6
6
23
2
52
14
1
1
23
99
3
3
2
67
0no
86
158
3
71
29
0
0
100
-7
7
8
31
6
52
3
1
1
3
93
1
2
0
43
0no
50
118
18
75
3
3
3
43
14
6
2
7
0
29
0
5
5
154
69
1
1
1
100
1yes
62
193
2
69
16
0
0
94
24
6
6
17
3
24
7
0
0
92
-8
6
1
2
100
1yes
67
124
2
53
18
0
0
89
6
4
6
20
1
47
2
3
3
30
58
5
2
1
100
1yes
88
225
3
74
34
0
0
100
-7
7
8
35
2
46
3
1
1
6
91
4
4
0
73
1yes
54
203
4
78
47
5
5
90
6
0
2
49
2
76
0
3
3
56
90
5
14
0
86
1yes
59
84
11
47
10
2
0
69
10
4
5
13
1
46
10
0
0
69
75
4
2
2
86
1yes
63
154
7
75
26
0
0
88
10
4
6
26
3
27
2
1
1
69
-8
5
1
2
75
0no
71
350
13
122
24
1
0
88
3
4
5
25
0
28
8
0
0
13
53
3
3
0
58
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
66
213
16
88
12
0
0
60
2
4
6
15
0
20
17
1
0
51
73
3
1
0
80
1yes
59
166
13
72
16
2
1
68
3
4
2
19
0
42
11
0
0
42
73
4
3
2
78
1yes
77
189
15
81
19
0
0
95
-8
6
6
19
0
11
2
1
1
36
-8
3
1
1
40
1yes
71
83
2
33
23
0
0
96
-8
6
6
26
5
23
0
11
11
23
92
4
3
0
47
1yes
72
252
1
47
14
0
0
94
39
6
6
16
6
31
0
2
2
49
71
3
3
0
78
1yes
68
151
10
82
22
1
0
79
22
6
5
24
1
25
10
0
0
53
-8
7
2
1
64
1yes
90
165
1
111
4
0
0
100
-7
7
8
5
1
40
1
3
3
0
-8
0
-8
0
0
1yes
73
80
2
42
14
0
0
100
-7
7
8
15
2
27
-8
0
0
61
73
4
3
0
88
1yes
80
315
27
114
12
0
0
83
38
6
6
13
0
50
14
0
0
18
70
3
2
0
83
1yes
77
237
1
71
24
0
0
97
81
6
6
30
4
55
1
1
1
43
74
3
2
0
63
1yes
82
139
9
59
17
0
0
100
-7
7
8
17
1
35
-8
0
0
0
-8
1
1
-8
50
0no
85
166
11
81
22
0
0
100
-7
7
8
22
1
36
-8
0
0
0
55
0
2
0
29
0no
77
126
1
53
31
0
0
100
-7
7
8
33
3
24
11
0
0
2
59
3
2
0
56
0no
59
255
39
111
11
1
0
75
3
4
5
12
0
50
6
0
0
91
83
5
1
2
100
1yes
55
212
2
56
27
3
3
93
38
0
3
29
2
17
1
4
4
73
90
8
3
2
100
1yes
67
143
2
49
11
0
0
83
7
4
6
12
2
25
0
5
5
53
76
2
1
1
43
0no
77
166
2
86
19
0
0
100
-7
7
8
20
3
20
2
2
2
44
-8
5
2
0
70
1yes
62
22
1
12
7
0
0
100
-7
7
8
9
5
22
9
0
0
59
88
5
2
0
100
1yes
88
130
6
183
15
0
0
100
-7
7
8
15
1
7
-8
0
0
12
-8
2
-8
0
67
1yes
79
222
36
102
2
1
0
75
31
6
5
4
0
75
-8
0
0
0
-8
0
1
-8
50
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
64
282
17
81
32
1
0
76
1
3
5
33
0
33
23
0
0
17
56
9
4
0
65
0no
59
81
6
41
27
5
5
100
-7
0
8
27
2
44
1
4
4
49
73
6
4
2
71
1yes
87
204
1
78
45
0
0
100
-7
7
8
46
2
59
14
0
0
1
95
3
2
0
50
1yes
84
169
3
79
19
0
0
100
-7
7
8
19
1
58
3
1
1
2
57
3
3
1
100
0no
85
186
8
83
22
0
0
100
-7
7
8
22
2
18
21
0
0
9
79
2
2
0
36
0no
85
175
9
79
21
0
0
100
-7
7
8
21
1
10
1
2
2
8
-8
1
1
0
25
0no
75
144
7
56
26
0
0
100
-7
7
8
27
2
42
1
1
1
32
62
3
4
1
67
0no
56
144
3
55
34
0
0
100
-7
7
8
36
2
53
5
0
0
92
84
9
3
5
92
1yes
69
101
8
44
17
0
0
100
-7
7
8
18
1
24
7
0
0
48
53
4
3
2
78
1yes
73
44
7
32
10
0
0
100
-7
7
8
10
1
30
8
0
0
55
-8
3
1
0
67
0no
64
145
12
81
28
0
0
97
3
4
6
30
0
61
10
0
0
60
75
2
4
1
75
0no
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
74
195
6
103
22
1
1
96
34
6
4
23
2
22
-8
1
0
43
-8
5
-8
2
75
1yes
84
218
2
92
39
0
0
100
-7
7
8
42
5
19
0
3
3
8
-8
5
1
0
60
1yes
72
230
21
113
17
0
0
100
-7
7
8
17
0
41
10
0
0
75
-8
7
1
2
89
0no
80
115
3
44
11
0
0
100
-7
7
8
12
2
55
6
0
0
27
55
1
2
0
50
1yes
82
215
41
101
18
0
0
100
-7
7
8
19
0
21
-8
0
0
42
-8
3
1
1
67
1yes
80
277
5
93
34
1
0
97
52
6
5
35
1
40
7
0
0
7
80
4
3
1
58
0no
88
237
16
119
10
0
0
100
-7
7
8
10
0
10
23
0
0
1
-8
4
1
0
56
0no
75
129
11
57
23
0
0
100
-7
7
8
24
1
38
12
1
0
32
71
4
4
0
67
0no
69
154
3
63
23
1
0
96
25
6
5
27
5
33
3
1
1
61
-8
3
1
1
67
1yes
78
263
23
102
19
0
0
95
31
6
6
19
0
42
14
0
0
17
29
6
3
0
82
0no
58
135
15
71
17
1
1
83
2
4
2
18
0
33
15
0
0
45
-8
2
1
0
75
0no
71
211
2
74
28
0
0
93
4
4
6
30
4
20
3
2
2
12
82
7
2
0
60
0no
91
174
33
101
16
0
0
100
-7
7
8
16
0
56
-8
0
0
1
-8
1
1
0
40
1yes
63
135
2
78
6
4
2
54
23
6
2
13
2
31
1
2
1
31
-8
1
1
0
67
1yes
77
178
3
87
19
0
0
95
42
6
6
19
2
16
0
3
3
35
58
4
2
2
54
0no