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
73
149
3
62
25
0
0
100
-7
7
8
25
5
20
2
2
2
30
58
4
3
3
58
0no
67
101
6
39
15
0
0
100
-7
7
8
15
2
33
5
1
1
70
-8
7
1
2
89
0no
77
225
9
88
44
0
0
98
23
6
6
58
3
21
10
0
0
22
-8
10
1
0
65
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
65
107
4
42
37
0
0
97
11
4
6
37
5
19
9
0
0
26
94
9
1
2
43
1yes
73
149
2
70
10
1
1
85
9
4
4
13
3
31
6
0
0
47
94
4
2
1
86
1yes
73
161
17
85
33
0
0
100
-7
7
8
36
0
22
0
3
2
60
-8
4
2
1
67
0no
87
213
2
71
40
0
0
100
-7
6
7
43
5
40
4
1
1
2
95
5
2
0
47
0no
84
339
3
115
27
0
0
100
-7
7
8
27
1
22
22
0
0
11
-8
2
1
0
23
0no
64
157
3
66
38
0
0
95
24
6
6
42
4
45
1
2
2
32
80
3
3
1
75
1yes
84
210
5
106
31
0
0
100
-7
7
8
31
3
45
6
0
0
8
76
2
4
0
46
0no
82
401
10
161
13
0
0
93
3
4
6
14
3
14
-8
0
0
5
-8
2
-8
0
40
0no
75
229
15
92
25
0
0
100
-7
7
8
25
0
8
14
1
0
67
-8
4
1
2
71
0no
84
249
2
80
23
0
0
100
-7
7
8
26
2
24
3
2
2
7
66
2
2
1
27
0no
87
436
2
98
30
0
0
100
-7
7
8
33
2
9
2
1
1
11
97
7
1
1
73
0no
75
176
2
77
23
0
0
100
-7
7
8
28
3
43
1
1
1
46
86
5
2
2
78
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
89
485
66
196
6
0
0
100
-7
7
8
6
0
17
-8
0
0
6
-8
1
-8
0
33
0no
75
132
6
67
20
0
0
90
63
6
6
21
2
29
0
2
2
67
90
2
2
1
67
1yes
81
162
23
89
26
0
0
100
-7
7
8
26
0
31
3
1
1
11
58
1
2
0
33
0no
78
266
13
90
41
0
0
100
-7
7
8
44
0
36
2
1
1
18
36
2
5
1
70
0no
84
169
34
95
17
0
0
100
-7
7
8
17
0
35
0
1
1
31
-8
2
1
0
50
0no
80
187
2
93
18
0
0
100
-7
7
8
19
1
26
-8
0
0
31
-8
3
1
2
63
0no
83
414
14
108
30
0
0
100
-7
7
8
31
0
45
1
2
2
13
13
4
3
0
88
1yes
70
76
1
36
19
0
0
100
-7
7
8
20
3
25
0
2
2
31
42
5
2
1
64
0no
81
159
1
78
21
0
0
92
18
6
6
24
2
38
0
1
1
4
-8
2
-8
0
50
0no
90
226
44
120
15
0
0
100
-7
7
8
15
0
47
0
1
1
5
-8
1
4
0
63
0no
88
132
32
82
7
0
0
100
-7
7
8
7
0
29
-8
0
0
1
59
1
2
0
60
0no
57
239
2
93
28
0
0
93
3
4
6
30
2
37
0
3
3
63
94
6
2
3
90
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
73
72
4
30
13
0
0
100
-7
7
8
13
3
62
0
9
8
41
88
3
5
0
80
1yes
82
118
2
48
15
0
0
100
-7
7
8
18
2
24
2
2
2
0
-8
0
1
0
33
0no
78
211
48
119
19
1
1
90
26
6
3
20
0
30
-8
0
0
50
-8
1
1
0
40
0no
70
241
4
88
10
2
0
75
56
6
5
13
1
50
-8
1
0
39
68
4
2
2
100
0no
79
290
2
132
31
0
0
100
-7
7
8
33
1
27
0
1
1
42
-8
5
1
0
75
0no
78
218
3
73
35
0
0
97
71
6
6
36
5
29
22
0
0
5
96
3
4
2
41
1yes
75
337
5
115
27
0
0
89
7
4
6
27
1
37
11
0
0
3
3
2
2
0
42
1yes
88
250
13
102
14
0
0
93
-7
6
7
15
0
47
11
0
0
11
-8
1
2
0
75
0no
68
277
3
77
37
1
0
92
5
6
5
38
4
16
0
4
4
24
72
5
2
0
47
1yes
91
318
33
100
22
0
0
100
-7
7
8
22
0
64
13
0
0
1
-8
3
2
0
56
0no
82
129
14
65
19
0
0
100
-7
7
8
20
0
30
1
2
2
12
80
2
2
0
67
0no
78
136
1
72
21
1
0
93
63
6
5
28
4
36
1
3
3
0
73
0
4
0
80
0no
60
224
5
88
27
0
0
93
5
4
6
27
2
41
3
3
3
58
83
5
6
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
67
85
6
35
16
0
0
100
-7
7
8
16
4
19
0
2
2
78
96
5
2
3
78
0no
78
114
5
62
36
0
0
100
-7
7
8
36
4
22
5
1
1
3
-8
3
2
1
33
0no
64
176
16
76
9
0
0
78
8
4
6
9
0
78
1
3
3
-8
91
1
3
-8
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
0no
80
290
21
100
10
0
0
100
-7
7
8
10
0
30
0
1
1
42
-8
2
-8
1
40
0no
72
133
10
63
17
0
0
100
-7
7
8
17
1
24
0
2
2
52
-8
3
1
2
83
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
56
24
1
10
4
1
1
100
-7
6
8
5
3
20
0
20
20
93
-8
2
1
1
75
1yes
72
403
31
180
23
0
0
87
56
6
6
23
0
17
0
1
1
53
-8
9
1
3
83
0no
56
180
3
80
35
1
1
95
4
4
6
38
3
63
0
2
2
60
96
7
2
2
91
1yes
76
219
26
75
17
0
0
100
-7
7
8
17
0
35
11
1
0
59
32
3
2
2
71
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
68
197
21
88
8
1
0
55
3
3
5
11
0
36
1
2
2
6
-8
1
-8
0
17
1yes
63
154
20
85
21
2
2
92
7
4
6
25
0
21
1
3
3
92
-8
3
1
1
100
1yes
78
114
2
32
8
0
0
100
-7
7
8
9
3
67
1
2
2
39
69
1
1
0
67
0no
61
264
6
74
34
0
0
89
1
4
6
35
3
49
1
1
1
21
71
5
4
0
64
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
77
273
5
76
37
1
1
100
-7
6
8
37
1
38
6
0
0
6
86
7
5
0
67
0no
66
160
7
50
16
1
1
89
24
6
3
18
1
44
1
4
4
62
-8
6
-8
1
100
1yes
62
275
6
99
21
1
1
91
12
6
6
22
1
55
15
0
0
87
71
6
5
5
92
1yes
68
158
2
70
42
0
0
98
54
6
6
45
3
51
2
3
3
59
63
3
3
2
60
0no
90
451
17
154
11
0
0
100
-7
7
8
12
0
33
16
0
0
3
9
1
3
0
50
0no
91
340
2
125
16
0
0
100
-7
7
8
18
2
17
-8
0
0
5
-8
1
1
0
29
0no
90
177
23
112
10
0
0
100
-7
7
8
10
0
20
-8
0
0
0
-8
2
-8
0
67
0no
63
293
14
106
17
1
1
79
6
4
2
19
0
26
14
0
0
42
63
6
2
3
80
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
75
248
5
53
24
0
0
100
-7
7
8
24
2
25
3
1
1
11
35
4
3
0
50
0no
65
195
6
115
12
0
0
63
21
6
6
16
1
44
17
0
0
88
94
4
2
3
86
1yes
76
93
3
52
35
0
0
100
-7
7
8
35
4
40
2
3
3
12
98
5
4
0
60
0no
65
113
5
60
6
1
1
71
35
6
4
7
2
29
1
1
1
13
-8
5
1
0
100
0no
89
348
11
103
11
0
0
100
-7
7
8
11
1
27
10
0
0
10
83
3
1
0
57
0no
78
149
5
61
43
0
0
100
-7
7
8
44
1
47
1
2
2
9
91
3
9
0
80
0no
71
216
6
95
26
1
0
86
13
6
5
28
2
29
17
0
0
51
94
10
3
1
72
1yes
88
368
10
155
16
0
0
100
-7
7
8
17
1
18
2
1
1
7
-8
4
1
0
71
0no
78
76
1
40
22
0
0
100
-7
7
8
23
5
35
0
2
2
2
95
2
2
0
67
0no
88
109
62
87
8
0
0
100
-7
7
8
8
0
50
-8
0
0
0
3
0
1
0
50
1yes
77
373
7
91
32
0
0
97
56
6
6
32
1
22
-8
0
0
26
-8
8
1
1
56
0no
64
390
4
151
67
2
1
76
22
6
2
74
3
51
1
4
4
19
69
9
6
1
68
0no
83
182
6
79
40
0
0
100
-7
7
8
40
2
43
6
0
0
3
75
3
3
0
46
0no
91
215
31
104
15
0
0
100
-7
7
8
16
0
38
-8
0
0
0
-8
0
1
-8
25
1yes
81
133
15
63
20
0
0
100
-7
7
8
20
0
35
11
0
0
5
-8
1
1
0
25
0no
82
205
2
86
30
0
0
97
39
6
6
31
4
19
0
2
2
2
75
7
1
0
44
0no
68
168
13
76
31
0
0
97
1
4
6
31
0
16
2
1
1
42
-8
8
1
3
60
1yes
56
201
12
67
25
2
1
85
0
0
5
26
0
31
12
0
0
16
77
3
4
1
58
1yes
83
302
9
76
16
0
0
100
-7
7
8
16
1
25
3
1
1
11
-8
1
1
0
20
0no
68
209
2
89
44
0
0
98
43
6
6
48
1
38
6
0
0
87
100
7
2
6
100
0no
73
288
5
44
13
0
0
100
-7
7
8
13
7
23
3
3
3
33
46
6
3
1
82
1yes
80
228
2
61
46
0
0
100
-7
7
8
49
7
29
0
1
1
9
-8
5
2
0
57
0no
78
238
7
99
30
1
0
94
37
6
5
32
1
44
1
3
3
6
-8
4
3
0
70
1yes
80
200
4
77
25
0
0
100
-7
7
8
25
2
24
2
3
3
13
-8
3
1
0
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
81
204
8
85
40
0
0
100
-7
7
8
43
1
35
0
3
3
9
85
5
2
0
54
1yes
74
369
54
197
21
0
0
95
11
4
6
21
0
10
1
1
1
10
-8
5
2
0
44
0no
77
438
7
145
12
1
1
92
61
6
4
13
1
8
0
3
3
18
-8
1
1
0
60
0no
70
235
37
95
14
2
2
93
13
6
2
15
0
33
7
0
0
0
-8
0
2
0
40
1yes
80
355
1
80
23
0
0
100
-7
7
8
27
5
23
1
5
5
8
98
4
4
1
57
0no