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
79
212
20
94
18
0
0
100
-7
7
8
18
0
39
0
0
0
50
55
7
4
1
79
1yes
68
373
12
88
21
0
0
90
-8
5
6
21
0
19
0
4
4
50
-8
6
1
4
58
1yes
77
174
10
98
19
0
0
100
-7
7
8
21
2
33
0
1
1
33
50
7
2
0
75
0no
69
236
2
96
37
0
0
95
1
4
6
41
3
20
0
1
1
15
94
5
1
2
55
1yes
79
168
4
54
25
0
0
100
-7
7
8
29
3
34
0
0
0
40
47
5
2
2
88
0no
55
222
2
67
14
0
0
94
2
4
6
17
2
59
0
4
4
25
79
2
2
1
67
1yes
86
362
23
174
5
1
0
83
69
6
5
6
0
17
0
0
0
0
-8
1
-8
-8
33
1yes
60
121
3
64
21
1
1
96
0
4
6
23
2
57
0
0
0
1
77
1
4
0
83
0no
73
189
8
68
32
0
0
91
8
4
6
33
3
52
0
0
0
19
-8
3
1
0
50
1yes
79
192
20
122
4
0
0
100
-7
7
8
5
0
20
0
3
3
40
53
1
1
1
75
1yes
59
389
9
74
42
0
0
83
1
4
6
47
2
32
0
2
2
63
81
9
3
2
68
1yes
70
347
20
104
22
0
0
82
3
4
6
22
0
41
0
1
1
14
35
2
4
0
75
0no
73
39
5
15
9
0
0
100
-7
7
8
9
2
33
0
0
0
28
100
5
2
0
100
1yes
61
246
20
95
18
2
2
86
11
4
4
21
0
38
0
1
1
62
-8
5
1
2
88
1yes
81
396
2
152
27
0
0
100
-7
7
8
28
2
11
0
0
0
27
72
10
2
1
63
0no
56
179
3
69
27
2
2
87
2
4
2
31
4
39
0
5
5
38
61
4
3
0
78
1yes
72
214
17
61
21
0
0
100
-7
7
8
21
0
33
0
0
0
66
66
7
2
2
64
0no
69
215
11
69
24
1
1
96
26
6
2
28
1
21
0
1
1
38
72
1
2
1
50
1yes
60
197
17
81
16
1
1
78
1
0
2
18
0
17
0
0
0
6
-8
3
1
1
40
1yes
56
175
9
77
17
0
0
88
1
4
6
17
1
24
0
2
2
101
90
7
2
5
90
1yes
65
198
5
73
22
1
0
88
27
6
5
24
1
17
0
2
2
31
-8
3
1
1
57
0no
65
27
2
15
9
0
0
100
-7
7
8
10
3
90
0
0
0
0
95
0
4
-8
80
1yes
59
67
15
46
4
1
0
60
5
4
5
5
0
20
0
0
0
52
29
2
1
-8
60
0no
66
59
10
34
4
0
0
100
-7
7
8
4
2
75
0
5
5
89
74
1
2
-8
100
1yes
72
178
8
79
56
0
0
100
-7
5
8
59
2
17
0
1
1
48
33
12
4
3
70
1yes
78
176
5
55
15
0
0
100
-7
7
8
17
1
12
0
0
0
64
-8
4
-8
0
67
1yes
59
167
24
116
28
2
0
75
0
4
5
32
0
13
0
0
0
92
-8
11
1
8
93
1yes
73
345
11
74
25
0
0
92
34
6
6
25
1
20
0
0
0
54
46
6
2
3
62
1yes
54
140
18
61
7
6
5
50
5
4
5
13
0
63
0
0
0
96
73
3
2
1
100
1yes
84
138
2
67
21
0
0
100
-7
7
8
22
3
55
0
2
2
15
78
3
3
0
86
0no
69
369
2
130
23
1
0
93
61
6
5
30
3
30
0
2
2
46
38
6
3
0
91
0no
69
379
2
105
15
0
0
84
3
4
6
19
3
74
0
2
2
31
100
1
2
1
60
1yes
61
39
23
26
4
2
1
60
12
5
5
6
0
60
0
0
0
28
-8
1
1
0
67
1yes
73
293
12
101
24
0
0
92
12
6
6
25
0
36
0
2
2
58
60
6
3
1
75
1yes
68
136
3
62
35
2
1
92
58
6
5
37
5
54
0
2
2
68
89
8
2
2
67
1yes
84
204
8
72
16
0
0
100
-7
7
8
17
1
59
0
0
0
23
54
2
2
-8
67
0no
64
181
4
48
26
1
1
93
6
4
2
27
4
59
0
1
1
30
37
4
4
2
69
1yes
58
119
1
55
29
0
0
75
7
4
6
32
4
34
0
2
2
99
99
3
4
1
100
1yes
68
514
14
104
14
0
0
94
10
4
6
16
0
50
0
0
0
42
-8
4
-8
0
80
1yes
81
141
3
59
34
1
0
97
54
6
5
37
3
51
0
1
1
4
94
2
2
0
44
0no
65
604
13
194
43
0
0
91
2
4
6
45
0
36
0
1
1
16
78
12
4
2
74
1yes
64
129
50
80
11
1
1
88
21
6
6
18
0
59
0
0
0
85
-8
2
-8
0
75
1yes
68
256
6
71
34
0
0
97
36
5
6
35
4
23
0
7
5
69
99
9
3
3
80
1yes
59
63
1
35
15
0
0
88
37
6
6
16
2
6
0
1
1
77
-8
3
1
3
57
1yes
80
117
2
59
32
0
0
100
-7
7
8
34
3
24
0
2
2
27
-8
4
2
1
54
1yes
64
363
8
101
33
1
0
74
8
4
5
35
1
31
0
1
1
31
92
3
2
1
42
1yes
66
51
4
24
12
0
0
100
-7
7
8
12
4
58
0
4
4
28
57
2
3
1
71
1yes
72
185
3
75
24
0
0
96
52
6
6
26
2
38
0
2
2
43
88
5
2
2
70
1yes
66
79
3
31
19
0
0
100
-7
7
8
20
1
45
0
5
5
81
68
6
4
1
100
1yes
64
287
3
68
28
0
0
93
77
6
6
29
6
24
0
5
5
37
90
8
2
1
67
1yes
67
323
3
111
16
5
3
73
54
6
2
22
2
59
0
2
2
0
74
0
4
0
71
1yes
58
71
2
31
20
0
0
91
8
4
6
22
6
41
0
0
0
35
81
2
3
1
56
0no
89
317
48
155
9
0
0
100
-7
7
8
10
0
20
0
0
0
6
-8
4
-8
0
80
0no
61
172
24
80
4
1
0
43
7
4
5
7
0
14
0
2
2
91
-8
4
-8
3
80
1yes
57
269
11
74
29
1
0
70
4
3
5
30
2
40
0
2
2
41
43
6
5
1
58
1yes
59
114
11
47
20
0
0
86
3
4
6
22
1
55
0
1
0
69
91
4
5
1
90
1yes
74
188
8
90
25
1
0
96
73
6
5
27
2
46
0
0
0
29
49
6
3
1
64
0no
65
314
2
110
24
1
1
96
-8
6
6
27
5
65
0
2
2
19
99
5
4
1
90
1yes
64
227
15
115
47
0
0
88
4
4
6
51
0
38
-7
1
1
49
120
9
4
3
64
1yes
77
255
5
72
40
0
0
100
-7
7
8
45
7
22
-7
1
1
3
71
7
5
1
46
0no
61
82
3
35
21
1
1
90
3
4
6
21
2
24
-7
2
2
17
50
5
2
0
50
1yes
64
280
2
141
1
1
1
100
-7
7
8
3
1
100
-7
10
9
-8
99
-8
2
-8
100
1yes
60
205
4
74
32
0
0
88
4
4
6
34
5
59
-7
4
4
32
62
4
3
0
80
1yes
66
-8
10
93
28
1
1
90
14
6
3
32
2
26
-7
0
0
77
-8
10
2
4
87
0no
68
185
22
97
36
1
0
95
64
6
5
39
0
49
-7
0
0
65
67
8
3
3
86
1yes
69
118
2
42
20
1
0
91
27
6
5
22
7
23
-7
4
4
14
-8
4
1
0
55
1yes
75
268
8
73
14
0
0
87
47
6
6
15
1
27
-7
1
1
15
20
4
2
1
67
0no
63
185
1
55
28
4
4
97
56
6
4
31
8
29
-7
4
4
54
58
6
2
0
71
0no
62
250
14
139
38
1
0
90
2
4
5
41
0
24
-7
0
0
62
-8
9
1
3
83
1yes
65
194
2
83
54
0
0
97
32
5
6
60
4
22
-7
1
1
69
71
10
4
5
84
1yes
61
148
21
86
21
3
3
88
16
5
2
24
0
71
-7
4
4
63
27
2
5
1
100
1yes
72
79
4
43
13
0
0
100
-7
7
8
13
2
54
-7
3
3
84
-8
3
1
1
80
1yes
72
48
10
26
4
0
0
100
-7
7
8
4
1
25
-7
1
1
54
-8
3
1
0
100
1yes
85
-8
17
86
21
0
0
100
-7
7
8
22
0
59
-7
0
0
0
-8
1
1
1
80
0no
89
-8
6
61
10
0
0
100
-7
7
8
10
2
50
-7
1
1
2
64
2
2
0
67
0no
83
195
56
117
9
1
1
90
34
6
3
10
0
20
-7
0
0
0
-8
0
-8
0
0
0no
65
123
2
53
29
4
1
83
11
4
2
36
2
33
-7
0
0
15
-8
5
-8
0
50
1yes
70
217
3
88
29
1
1
93
24
6
6
31
6
50
-7
1
1
10
61
2
3
0
67
0no
69
41
9
27
3
1
1
75
36
6
2
4
1
0
-7
0
0
24
-8
1
-8
-8
100
1yes
73
261
8
101
14
1
0
82
4
4
5
17
2
29
-7
0
0
18
-8
3
2
0
56
0no
66
151
4
71
22
0
0
87
8
4
6
23
2
43
-7
3
3
57
86
1
4
0
83
1yes
79
198
41
83
14
0
0
100
-7
7
8
17
0
29
-7
0
0
53
-8
4
1
1
71
1yes
79
58
5
26
10
0
0
100
-7
7
8
10
3
30
-7
2
2
26
-8
1
-8
0
20
1yes
73
132
9
47
4
0
0
100
-7
7
8
4
1
75
-7
0
0
94
-8
1
1
1
100
1yes
72
239
7
86
28
0
0
93
19
6
6
30
3
29
-7
5
5
11
38
6
3
1
82
0no
61
159
4
77
30
0
0
76
20
6
6
33
1
45
-7
2
2
76
63
8
2
3
91
1yes
61
69
4
22
9
0
0
100
-7
7
8
9
4
44
-7
2
2
38
63
2
2
1
83
1yes
74
202
19
81
32
0
0
97
36
6
6
32
0
44
-7
0
0
42
-8
3
2
0
71
0no
58
186
6
74
35
0
0
97
26
6
6
38
3
31
-7
0
0
60
73
10
4
4
67
0no
33
243
12
88
13
6
1
50
1
3
3
20
0
55
0
2
2
51
66
2
4
-8
100
0no
71
117
4
37
13
0
0
100
-7
7
8
13
3
100
2
1
1
-8
72
-8
5
-8
100
1yes
78
177
8
53
16
0
0
100
-7
7
8
16
2
38
0
1
1
4
41
2
2
0
57
0no
85
166
4
124
26
0
0
100
-7
6
7
27
2
38
0
1
1
10
68
3
4
1
54
0no
87
264
8
138
28
0
0
100
-7
7
8
60
2
17
8
0
0
4
82
1
2
0
57
0no
68
180
7
87
54
0
0
100
-7
7
8
58
2
62
0
5
5
77
60
10
4
7
88
1yes
70
143
3
65
19
0
0
95
40
6
6
20
3
50
13
0
0
75
-8
5
2
2
88
1yes
81
368
11
120
9
1
0
90
67
6
5
10
1
10
1
2
1
31
-8
5
-8
0
83
1yes
66
161
3
84
7
0
0
89
51
6
6
9
1
78
3
1
1
65
-8
2
2
-8
100
0no
74
202
5
75
25
2
2
100
-7
6
8
26
2
32
0
7
7
14
-8
6
1
0
41
1yes
80
233
143
211
4
0
0
100
-7
7
8
4
0
0
23
0
0
92
-8
1
-8
1
50
1yes