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
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
70
219
12
95
16
2
2
94
15
6
2
17
0
41
23
0
0
60
33
2
2
1
80
0no
58
280
5
97
33
0
0
88
5
4
6
34
5
21
0
1
1
47
75
7
4
2
79
0no
89
396
15
129
15
0
0
100
-7
7
8
15
0
13
-8
0
0
3
-8
2
1
0
33
0no
57
200
5
57
8
5
4
62
11
0
2
13
3
46
4
2
2
54
52
4
3
1
88
1yes
87
169
5
89
15
0
0
100
-7
7
8
15
1
20
5
0
0
4
86
4
2
0
50
0no
77
56
1
20
10
0
0
100
-7
7
8
11
4
36
8
0
0
5
77
3
3
0
67
1yes
64
86
4
54
7
2
1
78
24
5
2
9
1
11
7
0
0
48
94
2
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
80
164
25
104
20
0
0
100
-7
7
8
21
0
5
6
0
0
55
-8
4
1
0
50
1yes
68
172
7
79
24
0
0
96
5
4
6
24
1
29
7
0
0
23
97
5
2
1
53
0no
59
220
87
132
10
5
2
59
3
4
2
17
0
41
22
0
0
0
-8
0
1
-8
33
1yes
61
255
5
93
34
2
2
100
-7
6
8
34
2
53
1
7
7
68
73
7
4
4
79
1yes
50
214
3
77
22
0
0
83
1
4
6
24
3
46
0
2
2
82
69
12
6
6
100
1yes
55
102
5
53
43
0
0
96
17
6
6
56
5
36
1
6
6
61
90
12
5
3
74
1yes
76
214
8
137
35
0
0
97
18
6
6
36
3
25
0
1
1
20
-8
6
3
1
71
1yes
61
83
2
40
22
0
0
96
1
4
6
23
4
26
3
1
1
50
-8
7
2
1
69
1yes
84
210
3
68
16
0
0
100
-7
7
8
16
3
56
6
0
0
2
-8
2
5
0
73
1yes
80
145
2
80
25
0
0
92
50
6
6
26
3
50
3
1
1
2
85
2
3
-8
56
0no
80
259
2
82
29
0
0
100
-7
7
8
32
2
59
2
1
1
26
72
3
4
0
50
0no
69
211
1
79
29
0
0
97
9
4
6
30
1
50
1
4
4
33
65
5
3
1
80
0no
79
247
0
75
47
0
0
100
-7
7
8
50
3
14
0
2
2
41
60
6
2
1
100
0no
78
198
10
112
10
0
0
60
12
6
6
11
1
20
-8
1
0
63
-8
3
-8
0
80
0no
88
425
16
152
15
0
0
100
-7
7
8
16
0
31
18
0
0
14
81
2
2
0
80
0no
78
125
5
63
19
0
0
100
-7
7
8
20
1
55
-8
0
0
39
66
4
4
1
100
1yes
59
82
2
25
30
1
0
97
46
6
5
32
9
31
1
1
1
50
71
13
6
2
83
0no
83
183
14
73
17
0
0
100
-7
7
8
17
0
35
14
0
0
20
-8
3
1
0
44
0no
80
216
3
56
22
0
0
100
-7
7
8
23
2
9
1
4
4
13
-8
1
1
0
29
0no
64
283
3
111
13
3
2
82
62
6
2
17
1
59
0
5
5
60
50
2
1
1
60
1yes
70
294
4
98
29
0
0
91
8
4
6
32
1
53
0
2
2
30
-8
4
2
1
86
1yes
72
397
8
116
59
0
0
100
-7
7
8
60
1
3
4
1
1
10
72
17
1
3
56
1yes
76
214
4
59
24
1
0
96
20
6
5
26
2
24
10
0
0
0
70
1
3
0
40
0no
66
208
15
92
24
0
0
80
3
4
6
25
0
40
-8
0
0
31
53
4
3
1
67
0no
63
11
5
8
2
0
0
100
-7
7
8
2
2
0
0
7
7
75
-8
2
-8
1
100
1yes
63
213
6
86
24
0
0
96
64
6
6
24
2
29
0
1
1
75
79
7
2
5
60
0no
69
190
47
128
25
0
0
88
14
5
6
25
0
16
8
0
0
87
30
9
1
5
100
1yes
77
223
3
61
22
0
0
100
-7
7
8
22
4
5
2
3
3
44
97
5
1
2
46
1yes
60
94
15
60
2
6
4
11
6
4
2
9
0
22
-8
0
0
19
62
1
1
-8
67
1yes
72
178
20
79
14
0
0
100
-7
7
8
16
0
63
10
0
0
50
3
5
2
1
100
1yes
61
21
4
9
9
0
0
100
-7
7
8
9
6
78
0
3
3
73
68
1
3
1
80
1yes
77
198
6
71
47
0
0
100
-7
6
7
47
2
36
0
3
3
18
75
5
3
0
50
0no
69
207
1
79
21
2
2
100
-7
6
8
22
3
73
1
1
1
30
69
1
3
1
57
0no
79
157
7
75
27
0
0
100
-7
6
7
29
1
66
1
2
2
24
70
4
4
0
67
1yes
62
189
31
80
8
3
2
36
32
6
3
11
0
27
0
2
2
57
-8
3
1
0
80
0no
64
172
3
93
13
2
0
69
12
6
5
16
2
50
3
1
1
48
90
4
2
1
86
1yes
81
197
3
65
31
0
0
100
-7
7
8
31
3
29
9
0
0
2
-8
1
2
0
27
0no
81
181
5
62
24
0
0
100
-7
7
8
25
3
25
22
0
0
17
2
3
2
0
56
0no
84
347
11
74
19
0
0
95
45
6
6
19
1
32
0
1
1
4
81
5
2
0
64
0no
84
304
2
92
27
0
0
100
-7
7
8
30
2
40
2
2
2
22
50
3
3
0
86
1yes
84
116
4
68
22
0
0
100
-7
7
8
22
1
55
19
0
0
17
32
2
6
0
89
1yes
78
207
18
77
9
0
0
100
-7
7
8
9
0
44
6
0
0
21
-8
2
1
1
75
0no
-9
173
2
59
74
3
3
99
8
0
2
77
9
25
0
10
9
22
97
7
4
4
62
1yes
61
95
2
49
21
0
0
95
0
4
6
22
4
27
1
4
4
36
85
5
3
1
57
1yes
87
230
3
84
23
0
0
100
-7
7
8
23
2
61
0
1
1
1
64
3
4
1
78
1yes
69
206
9
61
38
0
0
95
42
6
6
39
3
64
5
0
0
92
48
5
3
3
89
1yes
64
105
3
40
21
0
0
100
-7
7
8
21
8
43
0
12
12
82
116
1
8
1
83
1yes
72
290
7
64
19
0
0
100
-7
7
8
19
3
26
7
0
0
25
-8
5
1
0
50
1yes
78
218
6
80
48
0
0
100
-7
7
8
48
1
56
1
1
1
11
92
3
2
0
56
0no
70
94
1
28
26
0
0
100
-7
7
8
30
10
28
1
3
3
22
74
2
5
1
67
1yes
68
178
3
85
21
0
0
100
-7
7
8
22
3
43
2
7
7
66
3
3
3
1
100
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
69
146
3
47
16
1
0
84
20
6
5
19
3
58
3
1
1
1
52
2
4
1
60
1yes
89
342
25
110
8
0
0
100
-7
7
8
8
0
63
-8
0
0
0
-8
0
-8
-8
0
0no
57
173
3
48
25
1
1
96
1
2
4
26
4
23
0
2
2
4
36
5
4
0
60
1yes
80
263
3
79
30
0
0
100
-7
7
8
30
2
43
1
3
3
9
90
3
2
1
38
1yes
72
103
2
55
3
1
1
80
61
6
4
5
2
60
0
3
3
56
-8
1
-8
0
50
1yes
82
224
5
70
37
0
0
97
48
6
6
38
1
50
17
0
0
23
83
1
5
0
50
0no
85
392
34
105
15
1
0
94
60
6
5
16
0
56
-8
0
0
3
9
1
2
0
50
0no
73
163
13
85
27
0
0
97
52
6
6
29
0
41
-8
0
0
34
39
4
2
2
60
1yes
78
110
3
42
17
0
0
94
79
6
6
17
6
18
1
1
1
4
-8
4
1
0
55
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
150
6
69
32
0
0
100
-7
7
8
34
2
34
5
0
0
74
-8
8
1
4
100
0no
87
230
6
96
27
0
0
100
-7
7
8
28
3
11
15
0
0
2
-8
3
1
0
24
0no
75
194
18
89
12
0
0
100
-7
7
8
12
0
17
3
2
2
87
61
1
2
1
100
0no
63
293
6
91
30
1
0
90
25
6
5
33
3
16
4
2
2
70
-8
11
2
5
72
1yes
85
262
14
101
23
0
0
100
-7
7
8
23
0
48
2
1
1
19
-8
3
1
0
100
1yes
74
192
7
63
14
0
0
100
-7
7
8
14
3
29
-8
0
0
35
16
5
3
2
73
0no
86
66
5
48
10
0
0
100
-7
7
8
10
2
20
4
1
1
9
80
3
1
0
80
0no
54
175
4
58
42
0
0
90
1
4
6
42
3
24
1
2
2
41
-8
7
2
5
60
0no
89
223
17
92
22
0
0
100
-7
7
8
23
0
30
-8
0
0
12
-8
2
2
0
67
0no
72
180
13
70
23
1
0
88
14
6
5
25
0
21
10
0
0
15
-8
3
1
0
40
1yes
83
149
13
80
13
0
0
100
-7
7
8
13
0
46
8
0
0
26
82
3
1
0
80
1yes
70
73
1
33
8
0
0
100
-7
7
8
9
2
0
0
2
2
67
-8
5
-8
2
83
1yes
79
382
4
63
63
0
0
100
-7
7
8
64
3
8
6
0
0
10
10
2
2
1
15
1yes
73
293
7
140
14
0
0
100
-7
7
8
15
1
40
1
2
2
47
42
4
2
1
75
0no
76
100
18
44
9
0
0
100
-7
7
8
9
0
22
11
0
0
54
65
1
2
1
63
0no
79
148
40
93
13
0
0
92
43
6
6
13
0
77
0
2
2
0
-8
0
1
0
50
0no
78
342
3
134
10
0
0
80
16
6
6
10
1
30
0
1
1
39
-8
3
1
0
80
1yes
58
142
10
56
31
0
0
94
3
4
6
32
1
50
1
2
2
76
49
3
2
2
63
0no
73
168
6
75
25
0
0
100
-7
7
8
25
2
52
-8
0
0
91
66
3
3
1
75
1yes
86
357
6
88
20
0
0
100
-7
7
8
20
3
30
6
0
0
2
-8
2
1
0
25
1yes
68
137
4
85
24
0
0
88
10
4
6
24
2
38
3
1
1
15
68
7
3
0
85
0no
71
179
2
59
25
0
0
96
46
6
6
28
7
29
2
2
2
39
85
4
4
1
73
0no
69
261
10
100
22
0
0
95
10
4
6
22
1
32
-8
0
0
57
-8
7
1
2
89
0no
80
264
9
81
18
0
0
100
-7
7
8
18
2
39
10
0
0
22
89
2
2
0
57
0no
71
152
4
68
36
0
0
100
-7
7
8
38
4
44
4
2
2
57
88
6
3
1
82
1yes
64
106
2
52
7
3
3
73
64
6
3
11
1
36
1
4
4
90
99
1
2
1
75
0no
89
151
6
58
5
0
0
100
-7
7
8
6
3
17
1
2
2
14
97
1
1
0
50
1yes
70
259
3
47
21
0
0
100
-7
7
8
21
5
19
2
2
2
55
-8
1
3
1
80
0no
76
192
1
67
36
0
0
100
-7
7
8
37
4
35
5
2
1
5
-8
4
2
1
60
1yes