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
82
228
17
92
24
0
0
100
-7
7
8
29
0
34
1
2
2
2
42
9
4
0
68
0no
49
259
21
119
7
2
0
67
1
3
5
9
0
11
11
0
0
89
25
5
1
2
86
0no
66
147
4
68
37
5
4
90
73
6
2
42
3
43
1
1
1
65
78
10
3
2
87
0no
83
306
2
92
30
0
0
100
-7
7
8
32
3
22
-8
0
0
18
-8
5
1
1
43
0no
68
170
11
78
49
0
0
100
-7
7
8
54
1
19
12
0
0
1
-8
2
2
0
57
0no
84
144
16
73
15
0
0
100
-7
7
8
16
0
0
3
1
1
5
-8
2
-8
0
29
0no
79
243
15
106
19
0
0
95
12
6
6
19
0
53
3
2
2
22
40
3
5
0
82
0no
73
374
8
85
27
0
0
96
16
6
6
27
1
26
0
1
1
38
11
4
3
2
70
1yes
79
257
3
98
18
0
0
100
-7
7
8
20
2
30
3
1
1
43
-8
5
1
2
70
0no
90
196
15
102
14
0
0
100
-7
7
8
14
0
0
14
0
0
4
-8
3
-8
0
33
0no
69
276
3
118
33
0
0
97
41
6
6
35
1
17
3
2
2
69
100
9
2
6
67
0no
75
188
4
50
18
0
0
100
-7
7
8
19
1
50
4
6
6
44
60
5
4
1
82
0no
74
219
3
90
42
0
0
96
6
4
6
49
3
33
1
6
5
19
59
4
4
0
75
1yes
82
212
4
98
29
0
0
100
-7
7
8
29
1
28
3
1
1
18
84
4
3
1
47
0no
74
310
4
101
8
1
0
89
14
6
5
9
2
67
13
0
0
23
63
1
4
0
71
0no
86
290
10
94
25
0
0
100
-7
7
8
27
1
56
7
0
0
4
29
2
4
0
60
0no
57
224
4
83
25
2
0
62
3
4
5
34
5
47
5
1
1
63
62
4
3
1
88
1yes
70
207
0
74
22
0
0
100
-7
7
8
23
1
13
0
1
1
62
25
5
3
2
67
0no
89
200
1
69
15
0
0
100
-7
7
8
18
1
28
0
1
1
3
-8
2
1
0
75
0no
70
195
0
81
31
1
1
100
-7
6
8
35
2
32
0
1
1
46
89
8
2
2
63
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
78
380
9
86
17
0
0
94
-7
5
7
17
1
41
8
0
0
9
80
1
4
0
67
0no
72
135
12
60
29
0
0
100
-7
7
8
29
0
7
11
0
0
47
-8
13
1
2
74
1yes
79
178
13
72
11
0
0
100
-7
7
8
11
0
9
0
1
1
30
31
1
1
1
29
0no
84
131
14
84
22
0
0
100
-7
7
8
22
0
36
19
0
0
9
37
2
4
0
100
0no
67
240
10
106
11
1
0
92
4
3
5
13
1
31
2
1
1
0
-8
1
-8
0
40
0no
87
165
5
79
14
0
0
100
-7
7
8
15
4
20
4
1
1
3
-8
1
1
0
33
0no
72
385
9
114
27
1
1
97
9
0
2
29
1
34
-8
0
0
7
54
4
2
0
67
0no
63
224
4
52
28
1
1
96
29
6
6
28
4
29
6
0
0
42
73
8
3
3
73
0no
87
390
4
117
25
0
0
100
-7
7
8
26
2
42
0
4
4
3
-8
3
1
0
44
0no
90
484
14
158
18
0
0
100
-7
7
8
20
0
20
0
1
1
1
82
2
1
0
30
0no
80
335
15
146
28
0
0
100
-7
7
8
28
0
18
14
0
0
34
75
9
2
1
65
1yes
78
233
9
103
42
0
0
100
-7
7
8
42
2
38
-8
0
0
20
85
5
4
0
56
0no
86
186
0
102
12
0
0
100
-7
7
8
14
1
50
-8
0
0
37
-8
3
1
0
80
0no
88
320
4
93
52
0
0
100
-7
7
8
55
3
22
6
0
0
3
71
3
1
0
36
0no
90
245
2
98
7
0
0
100
-7
7
8
8
1
63
21
0
0
11
79
2
2
0
80
0no
79
200
20
90
33
1
1
97
56
5
2
38
0
29
23
0
0
6
-8
2
1
0
60
0no
75
183
2
85
29
1
0
97
77
6
5
32
2
50
2
1
1
9
79
2
3
0
50
0no
84
307
5
149
29
0
0
100
-7
7
8
46
2
20
6
0
0
3
100
5
2
1
42
0no
70
300
5
98
62
0
0
98
67
6
6
64
1
27
0
3
3
31
33
10
5
1
59
0no
64
37
8
20
5
0
0
100
-7
7
8
5
2
60
5
0
0
74
84
1
2
1
75
1yes
71
145
3
53
33
0
0
100
-7
7
8
33
4
33
0
6
6
31
99
4
3
0
39
0no
80
172
2
32
38
0
0
100
-7
6
7
39
14
33
0
29
29
6
88
5
4
0
38
1yes
63
207
11
74
45
0
0
100
-7
7
8
46
1
13
7
0
0
85
20
10
2
5
57
1yes
80
175
11
73
15
0
0
100
-7
7
8
17
1
53
11
0
0
32
84
3
4
0
88
1yes
73
195
1
77
29
1
1
94
41
6
3
34
7
47
8
0
0
28
99
7
3
1
77
0no
61
271
9
86
26
0
0
89
3
4
6
27
1
56
0
1
1
57
67
6
5
2
92
1yes
83
265
3
90
17
0
0
100
-7
7
8
17
2
18
4
1
1
18
-8
4
2
0
75
0no
74
88
4
50
18
0
0
83
11
6
6
19
4
33
3
1
1
3
100
1
2
0
38
1yes
75
135
4
60
12
1
0
93
26
6
5
14
2
43
7
0
0
79
96
3
3
1
100
0no
84
374
6
126
30
0
0
100
-7
7
8
32
2
31
0
2
2
1
93
1
2
0
36
0no
77
265
4
105
50
1
1
98
61
6
3
58
1
38
12
0
0
15
64
8
4
2
59
0no
66
308
3
97
35
0
0
88
1
4
6
42
5
32
3
2
2
45
46
5
5
1
83
0no
60
153
3
72
14
1
1
56
8
4
3
16
1
31
8
0
0
33
-8
4
1
2
71
1yes
70
150
1
57
26
0
0
97
14
6
6
31
5
16
1
1
1
20
-8
7
1
2
56
1yes
78
179
4
69
32
0
0
100
-7
7
8
32
4
44
3
2
2
7
2
2
6
0
63
0no
68
110
9
41
32
0
0
100
-7
7
8
32
1
25
0
1
1
92
65
3
2
2
71
0no
74
89
5
44
24
0
0
100
-7
7
8
24
2
33
7
0
0
26
84
5
3
1
62
0no
82
220
37
131
15
0
0
87
12
6
6
15
0
20
4
1
1
1
-8
1
2
0
50
0no
76
317
2
63
20
0
0
91
40
5
6
22
4
9
3
3
3
29
-8
6
1
0
70
1yes
68
132
4
49
16
1
1
94
19
6
6
16
1
50
0
3
3
50
76
5
2
0
88
1yes
76
404
7
125
27
1
0
97
69
6
5
29
2
10
4
1
1
11
-8
5
1
2
50
0no
81
419
11
240
13
0
0
100
-7
7
8
13
1
8
11
0
0
55
-8
3
-8
1
50
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
72
255
2
92
41
0
0
98
11
6
6
42
1
17
0
3
3
9
-8
9
-8
1
53
0no
88
185
19
92
28
0
0
100
-7
7
8
28
0
50
16
0
0
8
62
2
3
0
63
0no
84
232
12
82
43
0
0
100
-7
7
8
46
0
33
11
0
0
18
85
3
3
0
60
0no
63
27
2
14
5
0
0
100
-7
7
8
6
3
50
1
2
2
57
78
2
2
1
80
1yes
66
283
3
95
16
0
0
75
11
4
6
16
2
38
3
4
4
34
-8
3
1
1
57
1yes
68
343
13
127
13
1
1
100
-7
6
8
13
0
15
2
3
3
61
-8
4
-8
3
63
0no
71
106
8
56
30
0
0
93
7
4
6
30
2
30
3
1
1
11
-8
4
1
0
45
1yes
85
194
4
82
30
0
0
100
-7
7
8
34
1
26
2
2
2
4
-8
3
1
0
42
1yes
88
279
3
75
28
0
0
100
-7
7
8
29
2
24
2
2
2
6
41
3
3
0
40
1yes
65
120
3
51
9
1
1
70
51
6
6
10
3
50
2
2
1
47
89
4
2
0
86
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
81
306
2
130
32
0
0
100
-7
7
8
34
1
35
1
2
2
8
99
3
2
1
35
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
80
404
12
105
35
0
0
100
-7
7
8
36
0
26
0
3
3
32
61
6
2
0
57
0no
85
186
18
75
23
0
0
100
-7
7
8
25
0
32
2
1
1
1
-8
2
2
1
57
0no
84
249
24
104
37
0
0
100
-7
7
8
38
0
30
2
3
3
3
20
1
3
0
45
0no
70
88
3
45
38
0
0
97
8
4
6
38
3
13
3
2
2
15
45
1
1
0
10
0no
80
219
3
92
18
0
0
100
-7
7
8
20
2
20
5
0
0
41
100
5
2
1
88
0no
56
126
15
66
22
2
2
86
0
4
6
22
0
23
14
0
0
21
60
4
2
0
55
1yes
64
110
2
58
42
1
0
89
15
6
5
46
4
4
2
6
6
30
-8
12
1
1
74
1yes
80
126
6
65
12
0
0
100
-7
7
8
17
1
65
7
0
0
30
58
2
5
0
88
0no
70
7
7
7
1
0
0
100
-7
7
8
1
1
100
-8
0
0
-8
92
-8
1
-8
100
0no
63
327
13
166
14
1
1
94
5
0
2
16
0
13
5
0
0
0
-8
1
1
0
27
1yes
89
222
6
93
16
0
0
100
-7
7
8
16
1
44
7
0
0
6
90
1
2
0
100
0no
80
256
27
120
17
0
0
100
-7
7
8
17
0
6
0
3
2
34
-8
3
1
1
45
0no
74
182
17
113
12
1
0
85
23
6
5
13
0
38
16
0
0
37
88
4
2
0
86
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
82
186
4
62
23
0
0
100
-7
7
8
23
3
30
3
3
3
24
41
6
2
0
67
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
69
256
4
69
57
1
1
95
31
6
3
63
4
44
0
5
5
58
82
14
9
5
77
0no
77
258
4
103
26
0
0
100
-7
7
8
27
1
33
8
0
0
31
89
7
3
1
83
0no
77
148
27
96
13
0
0
100
-7
7
8
14
0
50
0
2
2
75
-8
1
1
0
100
0no
71
291
3
91
16
0
0
88
22
6
6
17
1
47
10
0
0
31
60
4
6
1
83
0no
64
243
11
84
30
0
0
94
25
6
6
32
1
41
11
0
0
92
35
6
2
4
89
1yes
83
440
24
190
10
0
0
100
-7
7
8
10
0
20
23
0
0
33
42
2
2
1
50
0no
89
357
1
125
15
0
0
100
-7
7
8
18
2
39
-8
1
0
6
31
4
2
0
55
0no