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
75
129
1
48
22
0
0
100
-7
7
8
23
5
61
9
0
0
46
95
2
6
0
80
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
62
340
3
86
21
1
0
91
2
3
5
23
3
17
0
2
2
50
64
6
2
3
67
1yes
72
103
9
58
16
2
0
89
59
6
5
19
1
6
1
1
1
14
-8
2
-8
1
18
1yes
86
321
10
104
10
0
0
100
-7
7
8
11
1
45
-8
0
0
2
-8
4
1
2
83
1yes
62
178
5
67
28
0
0
80
5
4
6
30
3
30
1
2
2
21
79
2
4
1
46
1yes
82
215
7
112
11
1
0
92
53
6
5
13
1
54
6
0
0
29
35
1
2
0
60
0no
82
191
9
77
31
0
0
90
22
6
6
31
1
16
0
1
1
7
82
4
1
0
42
0no
80
188
11
71
36
0
0
100
-7
7
8
36
2
39
0
7
7
15
-8
1
1
0
25
0no
76
188
0
71
47
0
0
98
40
6
6
49
6
10
2
1
1
2
45
15
2
0
53
0no
87
301
7
92
19
0
0
100
-7
7
8
19
1
21
3
1
1
8
-8
2
1
0
33
1yes
77
207
40
87
4
1
0
80
27
6
5
5
0
0
-8
0
0
31
-8
1
-8
0
50
0no
79
256
11
79
42
0
0
100
-7
7
8
44
1
23
10
0
0
17
54
8
3
1
52
0no
84
140
10
60
23
0
0
100
-7
7
8
23
1
26
0
0
0
4
88
3
2
0
45
0no
70
51
11
36
8
0
0
100
-7
7
8
8
1
75
0
1
1
-8
74
-8
2
-8
100
0no
73
129
9
63
14
0
0
100
-7
7
8
14
3
36
0
1
1
29
99
4
3
1
82
1yes
76
212
10
86
28
0
0
100
-7
7
8
28
1
50
0
0
0
55
78
1
2
0
75
1yes
62
137
23
90
13
0
0
71
7
4
6
14
0
7
0
1
1
44
-8
4
-8
3
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
72
86
6
45
15
0
0
87
25
6
6
16
3
38
0
2
2
33
-8
4
-8
0
67
0no
60
86
6
46
16
0
0
94
43
6
6
16
4
63
0
1
1
76
92
4
5
1
90
1yes
59
291
6
128
27
4
4
90
3
2
3
31
2
23
1
1
1
42
59
2
3
1
67
1yes
78
159
3
79
39
0
0
100
-7
7
8
40
1
48
0
1
1
23
84
6
4
1
83
1yes
64
45
1
19
10
0
0
100
-7
7
8
11
3
18
0
1
1
77
93
6
2
2
100
1yes
72
172
1
62
14
0
0
93
11
4
6
15
1
60
0
2
2
24
61
4
4
1
89
1yes
61
288
4
100
36
0
0
97
11
4
6
37
5
51
0
3
3
65
76
6
11
2
95
1yes
65
124
2
53
44
0
0
96
27
6
6
45
4
33
0
3
3
46
91
5
4
1
82
0no
62
133
6
53
10
0
0
80
5
4
6
10
1
20
0
1
1
0
-8
1
1
0
60
1yes
71
208
20
83
25
0
0
85
13
6
6
26
0
35
0
1
1
10
65
3
2
1
45
0no
46
176
15
83
11
1
0
57
1
3
5
14
0
50
0
2
2
104
-8
3
1
2
100
1yes
79
205
3
82
15
0
0
93
52
6
6
15
1
20
0
0
0
26
-8
2
1
1
44
0no
75
176
5
81
22
0
0
100
-7
7
8
25
2
60
0
1
1
63
23
2
3
0
83
1yes
86
219
3
97
12
0
0
92
64
6
6
12
1
25
0
2
2
0
43
0
1
0
25
0no
74
164
48
89
9
1
0
73
12
6
5
11
0
45
0
0
0
53
-8
1
1
-8
40
1yes
60
207
12
94
20
1
1
81
3
4
4
21
0
10
0
1
1
89
-8
9
1
4
100
1yes
84
394
2
106
23
0
0
92
33
5
6
25
1
40
0
0
0
11
66
5
4
0
75
0no
73
208
22
81
28
0
0
90
20
6
6
29
0
28
1
1
1
19
76
3
2
0
38
0no
70
245
9
72
16
0
0
83
38
6
6
18
2
39
0
3
3
32
56
3
5
0
62
1yes
73
348
8
102
12
0
0
83
4
4
6
12
1
33
0
0
0
28
-8
4
2
0
75
0no
58
263
2
88
24
1
1
96
3
4
6
26
3
62
0
0
0
25
68
5
4
-8
90
1yes
80
114
3
49
21
0
0
100
-7
7
8
21
3
33
0
3
3
3
50
3
4
0
44
1yes
73
186
7
73
30
1
0
87
27
6
5
31
1
19
0
1
1
69
25
3
2
1
56
0no
61
173
2
96
16
2
0
79
3
4
5
19
2
21
0
0
0
31
47
6
2
1
80
0no
90
249
22
104
12
0
0
100
-7
7
8
12
0
42
0
0
0
0
-8
0
1
0
20
0no
71
142
1
60
37
0
0
100
-7
7
8
40
7
50
3
3
3
64
78
4
6
2
71
0no
91
401
58
152
9
0
0
100
-7
7
8
9
0
44
-8
0
0
3
-8
1
-8
0
25
0no
66
203
32
109
8
0
0
60
1
4
6
10
0
10
-8
0
0
34
-8
3
1
1
100
0no
75
226
119
173
2
0
0
50
11
4
6
2
0
0
5
0
0
8
-8
1
-8
-8
50
1yes
81
160
14
76
13
0
0
92
26
6
6
13
0
46
4
1
1
16
64
2
3
0
71
0no
65
54
2
26
20
0
0
95
29
6
6
22
5
27
1
4
4
36
84
5
2
2
47
0no
70
118
2
46
27
0
0
93
24
5
6
29
4
69
2
5
5
13
84
3
4
1
70
1yes
69
271
2
101
22
0
0
100
-7
7
8
23
1
17
2
4
4
32
35
9
2
3
69
0no
73
152
2
71
41
0
0
100
-7
6
7
44
5
57
0
4
4
16
94
1
3
1
83
0no
71
141
3
45
40
1
0
98
20
6
5
41
8
61
-8
0
0
33
121
2
14
1
73
0no
83
108
17
69
8
0
0
100
-7
7
8
8
0
63
4
1
1
21
72
1
1
0
67
1yes
73
192
6
74
27
0
0
100
-7
7
8
27
1
41
0
1
1
24
-8
6
4
2
59
0no
79
246
1
108
21
0
0
100
-7
7
8
22
2
18
1
2
2
18
-8
7
1
2
62
1yes
73
422
2
62
42
0
0
98
11
4
6
43
8
23
0
4
4
12
-8
4
2
0
44
0no
62
90
2
49
17
0
0
100
-7
7
8
19
3
11
1
4
4
97
-8
9
1
4
100
1yes
72
191
29
89
29
0
0
100
-7
7
8
29
0
24
7
0
0
56
-8
9
1
6
83
0no
89
323
19
118
15
0
0
100
-7
7
8
15
0
40
10
1
0
0
-8
1
3
0
50
1yes
62
83
1
38
13
2
1
93
36
0
5
15
4
60
7
0
0
3
74
1
4
0
63
1yes
88
206
7
83
23
0
0
100
-7
7
8
25
2
44
23
0
0
18
89
1
2
0
60
0no
77
105
3
35
15
0
0
93
16
6
6
15
6
47
4
5
5
6
96
1
2
0
57
0no
69
225
14
88
30
0
0
100
-7
7
8
32
0
20
0
2
1
57
68
9
1
3
71
0no
76
306
3
80
22
0
0
100
-7
7
8
22
1
68
0
2
2
69
81
2
5
1
88
1yes
58
149
4
64
30
0
0
93
34
6
6
30
3
37
0
3
3
90
77
7
8
4
83
1yes
79
116
2
38
14
0
0
100
-7
7
8
16
3
13
2
1
1
7
100
2
2
0
44
0no
68
104
4
45
42
1
1
98
21
6
2
43
4
42
11
0
0
38
53
10
6
2
73
0no
67
180
6
73
21
1
0
82
2
4
5
22
2
45
1
1
1
5
70
6
7
0
81
0no
73
118
6
41
26
2
1
96
77
6
5
27
5
56
5
0
0
40
47
4
3
1
88
1yes
90
246
5
81
9
0
0
100
-7
7
8
9
1
11
13
0
0
10
-8
2
-8
0
50
0no
73
222
4
96
22
1
1
83
34
6
2
23
1
30
1
2
2
5
92
1
2
0
43
1yes
71
392
34
126
16
1
0
84
9
3
5
19
0
79
-8
0
0
19
70
1
2
0
60
1yes
69
127
11
57
29
0
0
100
-7
7
8
29
1
34
4
2
2
48
91
5
3
3
80
1yes
87
263
3
73
21
0
0
100
-7
7
8
21
3
24
9
0
0
13
62
3
2
0
42
0no
84
169
11
87
14
0
0
100
-7
7
8
14
1
57
-8
0
0
17
69
1
4
0
83
0no
85
321
4
173
4
0
0
100
-7
7
8
4
1
0
-8
0
0
45
-8
1
-8
0
50
0no
88
435
4
164
19
0
0
100
-7
7
8
19
1
0
4
1
1
3
-8
6
-8
0
43
0no
88
137
25
101
10
0
0
100
-7
7
8
11
0
64
-8
0
0
0
-8
1
-8
1
33
0no
85
165
10
90
16
0
0
100
-7
7
8
16
1
31
0
2
2
0
-8
1
2
0
50
0no
84
217
19
94
25
0
0
100
-7
7
8
25
0
12
20
0
0
13
-8
1
-8
0
17
0no
73
106
6
52
44
0
0
100
-7
7
8
48
4
48
5
0
0
20
50
10
4
0
70
0no
89
191
25
108
3
0
0
100
-7
7
8
3
0
33
1
1
1
0
-8
0
1
0
50
0no
69
265
25
106
10
0
0
67
18
6
6
13
0
15
1
2
2
42
-8
3
1
0
57
1yes
68
248
6
72
35
1
1
97
8
0
2
39
1
28
11
0
0
9
63
3
3
1
33
0no
64
149
20
69
23
2
2
83
9
4
3
25
0
25
1
1
1
51
-8
5
1
1
100
1yes
78
227
5
92
28
0
0
100
-7
7
8
43
4
57
5
2
2
49
79
3
2
2
63
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
63
219
2
69
44
1
1
100
-7
6
8
48
3
17
1
2
2
10
28
2
4
2
43
0no
80
381
3
97
35
0
0
100
-7
7
8
37
2
37
14
0
0
38
80
2
2
0
57
0no
65
155
3
62
39
0
0
80
26
6
6
40
7
48
4
1
1
45
66
4
5
1
71
1yes
81
356
12
120
32
1
1
94
53
6
4
34
0
32
0
1
1
5
-8
7
3
0
56
0no
65
246
16
109
19
1
0
81
11
4
5
21
0
24
20
0
0
87
-8
3
2
3
100
1yes
77
200
6
82
26
0
0
100
-7
7
8
26
1
38
14
0
0
40
82
4
3
1
78
0no
84
138
3
69
13
0
0
100
-7
7
8
13
2
31
-8
0
0
26
-8
3
1
0
80
0no
73
197
27
110
21
0
0
91
45
6
6
22
0
27
0
2
2
47
23
2
2
-8
57
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
72
61
11
36
13
0
0
100
-7
7
8
13
1
54
2
1
1
13
31
1
4
0
60
1yes
70
212
1
39
13
0
0
100
-7
7
8
15
7
27
1
3
3
39
68
4
4
1
73
0no