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
74
121
5
66
21
0
0
95
32
6
6
21
1
48
9
0
0
58
90
2
4
1
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
74
435
4
192
12
0
0
77
18
6
6
13
1
8
-8
0
0
56
-8
2
-8
0
75
0no
63
181
2
76
22
1
1
80
1
4
3
25
3
12
3
1
1
29
79
7
1
0
53
1yes
70
266
23
107
23
0
0
100
-7
7
8
24
0
50
2
2
2
57
75
5
4
2
64
0no
86
342
5
119
8
0
0
100
-7
7
8
9
2
33
0
1
1
10
-8
3
1
1
100
0no
83
150
6
87
15
0
0
100
-7
7
8
15
1
60
1
2
2
25
-8
2
1
0
75
0no
67
114
5
52
13
1
0
67
30
6
5
15
2
13
5
0
0
69
33
4
2
2
86
0no
62
150
13
80
21
1
1
87
8
0
6
23
0
30
14
0
0
40
-8
7
1
0
100
1yes
72
184
2
66
30
0
0
100
-7
7
8
32
5
34
1
3
1
48
85
7
4
1
65
0no
71
236
1
76
18
0
0
100
-7
7
8
20
4
60
1
4
4
84
-8
3
7
3
91
0no
66
240
13
87
19
2
1
95
4
3
5
22
0
43
3
2
2
30
33
4
3
1
89
0no
80
145
5
53
29
0
0
100
-7
7
8
30
7
17
10
0
0
0
-8
2
1
0
20
0no
57
336
2
90
36
0
0
90
26
6
6
39
5
38
6
0
0
79
74
19
5
5
89
0no
82
141
19
80
7
0
0
100
-7
7
8
7
0
29
-8
0
0
44
-8
2
-8
0
100
0no
78
294
11
78
28
1
1
97
59
6
3
29
1
24
2
1
1
6
-8
4
-8
0
33
0no
77
215
10
85
35
0
0
97
29
6
6
35
1
20
-8
0
0
40
-8
3
1
3
29
1yes
57
27
1
11
5
1
1
100
-7
6
8
6
3
33
1
21
21
16
-8
1
2
1
60
1yes
78
156
4
41
13
0
0
100
-7
7
8
13
6
38
3
3
3
19
93
2
3
0
71
0no
83
272
2
100
27
0
0
100
-7
7
8
29
2
31
3
1
1
8
-8
8
1
1
75
0no
75
160
3
70
21
0
0
100
-7
7
8
21
3
33
3
5
5
0
-8
0
1
0
43
0no
84
329
25
158
9
1
0
90
75
6
5
10
0
10
9
0
0
0
-8
3
-8
0
50
0no
65
268
2
77
40
1
1
98
49
6
2
42
6
24
3
1
1
62
60
7
3
3
83
0no
79
180
3
79
26
1
0
96
56
6
5
32
2
4
-8
0
0
15
50
7
1
0
73
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
175
6
92
11
0
0
100
-7
7
8
11
1
55
6
0
0
77
-8
2
1
1
100
1yes
90
354
28
113
26
0
0
100
-7
7
8
27
0
15
18
0
0
1
-8
2
1
0
43
0no
78
138
5
55
20
0
0
100
-7
7
8
20
4
25
8
0
0
30
-8
2
1
1
23
1yes
86
304
103
167
9
0
0
100
-7
7
8
9
0
22
-8
0
0
27
20
1
1
0
67
0no
82
163
3
67
46
0
0
100
-7
7
8
47
1
17
4
1
1
14
-8
3
1
0
25
0no
85
190
2
49
9
0
0
100
-7
7
8
10
2
30
3
1
1
5
56
2
2
0
57
0no
64
233
6
89
39
0
0
100
-7
7
8
39
1
33
0
1
1
63
82
7
7
3
78
0no
66
66
8
33
16
0
0
94
2
4
6
16
1
44
3
1
1
22
42
2
2
0
57
0no
74
100
2
32
25
0
0
100
-7
7
8
27
6
30
3
2
2
15
93
4
2
1
43
0no
78
294
3
71
28
0
0
100
-7
7
8
28
3
29
2
2
2
51
6
6
2
2
73
0no
80
237
3
124
11
0
0
91
68
6
6
11
2
18
4
1
1
20
-8
3
2
0
63
0no
66
139
2
59
20
1
1
100
-7
6
8
21
4
24
1
1
1
60
-8
6
1
3
88
0no
64
217
39
104
15
0
0
88
10
4
6
16
0
50
1
2
2
56
10
3
2
2
83
0no
68
152
2
81
25
0
0
89
1
4
6
28
2
43
0
2
2
8
79
3
5
0
100
0no
74
183
10
44
12
0
0
100
-7
7
8
12
1
33
6
1
0
39
-8
2
1
1
75
0no
75
302
2
107
20
0
0
100
-7
7
8
21
2
24
2
3
3
21
-8
7
1
1
67
0no
61
195
9
88
19
0
0
95
2
4
6
20
1
32
1
1
1
59
91
3
2
2
67
0no
71
303
3
116
20
0
0
86
20
6
6
21
1
24
2
1
1
43
20
4
2
0
75
0no
79
243
7
91
25
0
0
100
-7
7
8
26
1
28
19
0
0
25
-8
4
1
1
83
0no
81
300
2
90
18
0
0
100
-7
7
8
19
4
21
2
1
1
17
-8
3
1
1
31
0no
80
195
6
62
19
0
0
100
-7
7
8
19
2
37
5
0
0
3
61
2
2
1
44
0no
67
294
6
100
37
0
0
100
-7
7
8
40
3
30
1
6
6
54
54
7
6
4
87
0no
75
241
3
104
35
0
0
100
-7
7
8
36
1
31
-8
0
0
29
84
3
3
1
44
0no
75
278
3
93
17
0
0
100
-7
7
8
17
4
47
2
2
2
43
-8
3
-8
1
100
1yes
57
199
3
99
9
2
2
89
52
6
6
9
1
44
3
1
1
-8
-8
0
-8
0
0
0no
58
182
1
73
22
1
1
79
2
4
6
24
1
29
1
5
5
0
-8
1
2
0
30
1yes
83
143
2
57
22
0
0
100
-7
7
8
24
4
17
1
2
2
7
60
6
3
0
75
0no
59
225
2
73
52
0
0
98
8
4
6
54
6
54
0
6
6
45
28
7
3
2
83
1yes
77
347
5
172
18
0
0
100
-7
7
8
18
1
6
-8
0
0
32
-8
5
1
1
75
0no
62
341
3
76
33
0
0
100
-7
7
8
33
2
45
1
4
4
67
94
6
4
5
85
0no
82
241
2
93
21
0
0
100
-7
7
8
22
1
32
1
1
1
12
98
3
2
1
56
0no
71
200
23
94
25
0
0
71
5
4
6
28
0
36
8
0
0
3
14
2
2
0
44
1yes
88
232
5
92
10
0
0
100
-7
7
8
12
1
70
-8
0
0
0
83
0
3
0
60
0no
67
319
4
146
27
0
0
93
35
6
6
29
1
41
5
1
1
70
7
5
4
2
77
0no
82
295
40
116
5
0
0
100
-7
7
8
5
0
40
6
0
0
58
-8
1
1
0
67
1yes
77
205
4
94
44
0
0
100
-7
7
8
44
7
20
3
1
1
14
87
10
3
0
57
0no
80
87
9
43
14
0
0
100
-7
7
8
14
2
21
4
2
1
0
30
0
2
0
50
1yes
84
150
5
76
24
0
0
100
-7
7
8
25
1
16
12
0
0
2
-8
4
1
1
45
0no
75
438
1
79
48
0
0
100
-7
7
8
53
2
20
0
3
3
12
26
9
3
2
52
0no
79
222
6
94
24
0
0
100
-7
7
8
24
2
42
9
0
0
82
48
2
4
1
88
1yes
77
171
2
73
23
0
0
100
-7
7
8
24
2
29
2
5
5
19
25
3
2
0
50
0no
84
403
14
157
26
0
0
100
-7
7
8
27
0
7
13
0
0
3
-8
11
1
1
75
1yes
84
295
2
82
34
0
0
100
-7
7
8
37
4
22
3
1
1
4
-8
2
1
0
30
0no
78
139
9
74
13
0
0
100
-7
7
8
15
1
67
0
1
1
-8
-8
-8
1
-8
100
1yes
62
58
3
18
4
0
0
100
-7
7
8
4
3
25
2
6
6
99
97
3
1
1
100
1yes
80
176
27
97
13
0
0
77
40
6
6
13
0
38
1
1
1
11
5
1
3
0
80
1yes
77
155
13
70
13
0
0
93
13
6
6
14
0
64
14
0
0
0
-8
0
1
-8
50
1yes
67
115
16
55
21
0
0
96
14
6
6
26
0
58
0
0
0
56
84
5
4
1
82
1yes
77
115
2
51
30
0
0
100
-7
7
8
31
3
26
0
0
0
23
42
7
2
0
64
1yes
80
306
1
86
33
0
0
97
49
6
6
37
4
27
0
2
2
1
-8
5
1
1
35
0no
72
226
13
83
33
1
1
97
-7
6
7
37
0
47
0
3
3
1
78
3
5
1
80
0no
62
75
4
46
19
3
2
82
29
6
4
23
1
59
0
1
1
47
80
2
3
1
71
1yes
69
41
15
33
5
0
0
89
28
6
6
9
0
100
0
1
1
-8
50
-8
2
-8
100
1yes
79
161
5
85
7
0
0
100
-7
7
8
9
2
78
0
3
3
14
-8
2
1
0
100
1yes
67
101
10
45
24
0
0
100
-7
7
8
25
1
38
0
4
4
24
67
3
3
2
43
1yes
77
305
2
84
16
0
0
90
22
5
6
20
4
65
0
3
3
11
87
3
2
1
71
1yes
69
147
2
50
26
1
0
93
10
4
5
28
3
36
0
0
0
6
86
3
2
1
36
1yes
57
165
2
71
38
0
0
98
1
4
6
48
3
44
0
10
10
89
72
12
3
6
88
1yes
56
124
5
63
23
2
2
72
2
4
4
29
3
62
0
1
1
8
89
2
4
0
86
0no
61
170
3
78
18
3
0
71
36
5
2
21
3
57
0
0
0
111
90
4
3
3
100
1yes
61
344
2
95
26
1
0
79
2
3
5
28
3
64
0
3
3
2
97
4
3
0
73
0no
75
89
12
48
10
0
0
90
27
6
6
10
0
50
0
0
0
0
-8
0
1
-8
50
1yes
55
324
9
119
32
1
0
94
1
4
5
36
1
44
0
0
0
64
72
9
5
3
83
1yes
80
94
3
49
27
0
0
100
-7
7
8
28
1
14
0
2
2
21
-8
4
1
0
45
1yes
84
186
2
79
14
0
0
100
-7
7
8
16
3
75
0
4
4
25
-8
1
2
0
75
1yes
85
243
5
75
22
0
0
100
-7
7
8
22
2
23
0
4
2
4
-8
3
1
0
31
0no
85
316
8
83
35
0
0
100
-7
7
8
36
1
50
0
1
0
6
92
4
2
0
75
0no
50
130
7
63
10
7
7
59
1
0
2
17
1
12
0
0
0
13
-8
4
1
1
88
0no
58
38
3
19
13
1
1
93
15
6
4
14
5
64
0
1
1
82
91
2
5
1
100
1yes
61
247
4
95
36
0
0
92
1
4
6
39
1
59
0
1
1
87
99
8
4
3
93
1yes
63
291
9
88
25
0
0
84
3
4
6
25
2
32
0
0
0
30
73
7
2
1
82
1yes
61
6
3
5
2
1
1
100
-7
6
8
2
2
50
0
3
3
101
-8
1
1
1
100
1yes
65
240
9
64
29
0
0
97
57
6
6
32
2
50
0
0
0
80
73
8
3
3
79
1yes
73
217
22
87
34
0
0
100
-7
7
8
36
0
17
0
1
1
91
-8
7
-8
3
100
1yes
56
68
41
53
1
4
4
75
4
4
4
7
0
75
0
0
0
-8
-8
-8
1
-8
100
1yes