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
232
5
69
34
0
0
97
65
6
6
36
5
42
2
1
1
42
91
6
2
1
80
0no
63
141
17
76
16
0
0
88
3
4
6
17
0
29
13
0
0
58
-8
4
2
2
100
1yes
73
354
7
86
26
0
0
100
-7
7
8
26
3
38
0
1
1
49
82
4
3
2
70
0no
63
148
2
56
31
1
1
97
67
6
2
38
5
45
0
3
3
82
-8
9
2
6
92
1yes
59
171
49
110
8
2
2
63
24
6
6
8
0
38
-8
1
0
85
-8
3
1
1
100
1yes
57
152
5
60
16
2
0
70
1
4
5
20
2
50
2
10
10
46
80
2
6
1
80
1yes
81
358
88
184
15
0
0
100
-7
7
8
16
0
19
12
0
0
88
-8
3
1
1
67
1yes
74
236
30
93
17
0
0
94
74
6
6
18
0
29
0
1
1
47
18
2
2
1
50
1yes
81
222
6
85
39
0
0
100
-7
7
8
40
3
45
1
2
2
16
80
3
2
0
38
0no
71
142
10
65
22
0
0
100
-7
7
8
23
1
45
4
1
1
55
71
5
3
1
89
0no
72
254
24
87
20
1
1
100
-7
6
8
21
0
38
5
0
0
42
9
4
2
2
67
0no
85
156
4
66
27
0
0
100
-7
7
8
28
2
39
13
0
0
2
88
4
3
1
80
0no
86
246
4
99
19
0
0
100
-7
7
8
19
1
47
1
3
3
3
65
3
4
0
78
0no
91
323
5
118
25
0
0
100
-7
7
8
27
1
41
18
0
0
3
81
1
3
0
36
0no
84
273
16
92
23
0
0
100
-7
7
8
23
0
17
0
1
1
19
-8
2
2
0
40
0no
80
150
1
65
27
0
0
100
-7
7
8
29
5
17
6
0
0
29
-8
3
1
1
67
0no
84
213
10
74
33
0
0
97
39
6
6
35
1
26
9
0
0
11
-8
4
1
0
50
0no
85
192
5
92
24
0
0
100
-7
7
8
26
2
46
5
1
1
2
91
4
2
0
67
0no
67
180
4
81
29
1
1
94
62
6
2
34
6
53
2
2
2
73
99
1
2
-8
80
1yes
71
236
11
96
22
0
0
100
-7
7
8
25
1
52
1
2
2
95
-8
3
1
2
80
1yes
85
146
2
82
50
0
0
100
-7
6
7
62
1
47
2
1
1
14
44
4
5
0
56
0no
86
347
6
109
26
0
0
100
-7
7
8
26
1
38
6
0
0
0
13
1
2
0
43
0no
84
123
1
48
30
0
0
100
-7
7
8
33
7
18
4
1
1
10
80
4
2
0
35
0no
68
267
7
70
31
0
0
90
17
6
6
31
1
45
4
1
1
31
65
8
4
0
80
0no
80
266
7
98
15
0
0
100
-7
7
8
17
1
35
2
1
1
46
-8
1
1
1
40
0no
72
133
14
86
20
0
0
100
-7
7
8
21
0
14
10
0
0
83
87
6
2
5
80
1yes
52
281
3
108
13
4
3
88
1
3
5
18
2
53
1
3
3
100
100
5
4
5
100
1yes
75
301
32
166
9
2
1
62
20
6
4
13
0
46
0
2
2
0
-8
0
-8
0
0
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
87
274
30
154
12
0
0
100
-7
7
8
12
0
25
-8
0
0
17
52
3
2
0
71
0no
86
237
17
88
13
0
0
100
-7
7
8
14
0
43
-8
0
0
6
-8
2
2
0
80
0no
71
439
1
186
19
1
1
100
-7
0
8
22
1
23
6
0
0
3
-8
2
1
0
43
0no
89
243
47
157
4
0
0
100
-7
7
8
4
0
25
9
0
0
1
-8
1
-8
0
50
0no
65
519
7
87
22
0
0
92
8
4
6
24
1
33
1
2
2
65
-8
4
1
1
83
1yes
77
291
3
116
14
0
0
100
-7
7
8
14
1
36
0
6
6
45
69
6
3
2
75
1yes
65
209
20
99
20
6
2
79
3
0
2
30
0
50
0
1
1
27
54
4
9
0
81
1yes
72
274
4
105
10
1
1
100
-7
0
8
12
1
45
0
1
1
24
76
3
2
0
71
1yes
57
158
11
76
24
0
0
88
14
6
6
26
2
42
0
1
1
62
76
6
4
3
69
1yes
76
140
4
54
15
0
0
100
-7
7
8
15
4
53
0
4
4
14
71
3
3
1
67
1yes
80
391
3
105
14
0
0
100
-7
7
8
14
1
21
0
1
1
68
83
3
2
2
71
0no
72
293
7
101
18
0
0
95
22
6
6
19
3
21
0
0
0
32
-8
5
1
0
46
1yes
57
154
6
82
12
2
0
63
7
4
5
16
1
63
0
0
0
85
70
3
4
1
88
0no
54
424
0
147
7
4
2
73
19
6
2
12
3
27
0
4
4
61
91
6
2
1
89
1yes
68
178
7
74
30
0
0
97
-8
6
6
30
1
23
0
1
1
45
88
4
2
3
50
0no
78
192
4
104
16
1
1
94
78
6
2
17
1
6
0
3
3
7
-8
2
1
0
33
0no
56
111
3
40
25
0
0
96
1
4
6
27
6
56
0
1
1
37
63
5
7
0
75
1yes
59
158
15
57
12
2
2
92
13
6
6
15
0
27
0
1
1
70
-8
7
1
3
100
1yes
72
199
0
84
15
1
1
94
35
6
2
19
3
47
0
3
3
10
-8
4
-8
0
56
0no
73
325
40
144
12
0
0
100
-7
7
8
12
0
17
0
0
0
97
94
9
1
6
100
1yes
76
181
5
52
29
0
0
100
-7
7
8
29
2
55
0
1
1
46
-8
7
1
2
73
1yes
59
136
15
56
39
1
1
100
-7
0
8
42
0
12
0
0
0
48
-8
16
1
10
59
1yes
74
111
2
52
26
0
0
100
-7
7
8
29
5
34
0
0
0
46
92
5
2
2
64
1yes
59
178
3
68
14
2
1
75
45
6
5
18
3
28
0
6
6
59
97
5
2
0
70
1yes
79
137
9
60
19
0
0
100
-7
7
8
20
1
40
0
0
0
24
-8
3
1
0
44
0no
78
144
1
39
18
0
0
100
-7
7
8
19
6
37
0
1
1
3
82
3
4
0
53
0no
83
161
9
75
26
0
0
100
-7
7
8
26
2
15
0
0
0
10
85
3
2
0
50
0no
65
118
2
49
24
0
0
96
-8
6
6
25
6
40
0
2
2
28
84
4
4
1
62
1yes
55
113
12
71
4
6
6
56
4
0
2
9
0
56
0
0
0
39
-8
1
-8
1
67
1yes
71
150
3
56
19
0
0
100
-7
7
8
21
5
24
0
1
1
62
62
4
1
3
63
1yes
78
175
5
93
27
0
0
100
-7
7
8
28
2
7
0
2
2
19
-8
6
1
1
41
1yes
84
541
14
156
21
0
0
100
-7
7
8
23
0
22
0
0
0
0
-8
1
1
0
29
0no
70
172
19
85
29
0
0
100
-7
7
8
31
0
16
0
1
1
65
-8
9
1
3
77
1yes
56
75
17
50
20
1
0
90
31
6
5
21
0
14
0
6
6
59
-8
8
-8
4
71
1yes
62
46
25
36
4
0
0
100
-7
7
8
5
0
25
0
1
1
98
-8
2
-8
2
100
1yes
81
271
23
82
23
0
0
100
-7
7
8
26
0
38
0
0
0
11
-8
2
2
0
44
0no
68
105
7
30
13
1
1
100
-7
6
8
13
3
15
0
0
0
36
-8
6
1
0
70
1yes
87
254
31
106
14
0
0
100
-7
7
8
14
0
43
0
2
2
5
-8
2
2
0
44
0no
66
143
6
72
14
2
1
83
23
6
2
18
2
28
0
2
2
76
-8
2
1
2
60
0no
82
257
4
86
19
0
0
100
-7
7
8
19
1
5
0
2
2
20
92
3
1
0
56
1yes
58
227
16
124
27
0
0
93
28
6
6
29
0
14
0
0
0
81
-8
12
1
10
82
1yes
47
57
57
57
1
1
1
0
2
4
6
1
0
0
0
2
2
93
-8
1
-8
1
100
1yes
69
133
13
58
34
0
0
100
-7
7
8
36
0
22
0
4
4
36
77
5
4
2
45
1yes
58
125
14
62
10
5
5
80
1
4
6
10
0
60
0
2
2
81
-8
3
2
1
83
0no
60
179
7
69
19
4
2
78
6
3
4
24
1
38
0
6
6
0
-8
1
-8
0
25
1yes
70
419
6
79
15
2
2
90
2
0
2
21
3
29
0
1
1
44
-8
2
1
1
38
0no
64
112
3
37
15
0
0
93
20
6
6
15
4
33
0
1
1
38
93
2
3
1
45
1yes
59
167
10
50
22
1
1
100
-7
0
8
23
3
48
0
2
2
52
-8
6
2
3
67
1yes
69
90
14
44
13
1
1
100
-7
6
8
13
0
15
0
0
0
79
88
6
2
1
89
1yes
54
123
6
54
21
0
0
88
4
4
6
26
3
42
0
0
0
63
45
4
3
1
78
0no
90
381
22
105
11
0
0
100
-7
7
8
11
0
82
0
0
0
2
37
1
4
0
83
0no
72
136
13
74
3
1
1
75
25
6
6
4
0
25
0
3
3
0
-8
0
-8
0
0
1yes
71
124
7
53
12
1
1
92
37
6
2
14
1
64
0
1
1
43
34
2
3
1
75
1yes
68
255
13
120
16
0
0
100
-7
7
8
21
0
33
0
0
0
90
-8
6
1
3
100
0no
59
442
0
115
21
2
2
68
3
0
2
26
2
27
0
1
1
33
70
5
3
1
63
1yes
72
252
1
80
48
0
0
100
-7
7
8
50
4
20
0
3
3
17
88
5
3
1
44
1yes
82
254
12
84
29
0
0
97
32
6
6
29
0
34
0
0
0
7
55
3
3
0
58
0no
75
139
3
54
14
0
0
94
46
6
6
16
2
19
0
1
1
43
33
1
2
1
43
0no
44
90
13
51
9
5
4
47
3
0
2
16
0
38
0
3
1
82
81
4
3
1
88
1yes
56
162
2
38
30
1
1
100
-7
6
8
32
4
28
0
5
5
58
75
16
3
4
86
1yes
74
119
1
62
19
0
0
95
20
6
6
22
2
36
0
8
8
11
101
6
2
0
62
1yes
69
129
1
51
23
2
2
92
66
6
6
26
5
46
0
2
2
37
93
4
2
0
60
1yes
68
166
4
47
17
0
0
100
-7
7
8
18
2
11
0
0
0
78
-8
8
1
4
75
1yes
79
373
34
136
13
1
0
71
14
6
5
15
0
13
0
3
3
1
-8
2
1
0
38
1yes
73
131
2
48
27
0
0
100
-7
7
8
30
4
37
0
2
2
38
25
7
2
2
53
1yes
67
130
5
25
10
0
0
100
-7
7
8
12
4
25
0
0
0
95
90
6
2
2
89
1yes
60
134
9
48
12
0
0
92
23
6
6
15
1
57
0
1
1
97
57
4
5
3
90
1yes
62
134
3
48
17
0
0
94
0
4
6
19
3
63
0
1
1
63
55
2
5
1
88
1yes
66
213
6
120
12
3
3
80
54
6
3
15
3
33
0
2
2
88
84
2
2
1
100
0no
66
464
2
73
23
0
0
96
15
6
6
26
2
31
0
2
2
79
36
6
2
3
80
1yes
68
301
7
91
30
0
0
100
-7
7
8
34
1
18
0
1
1
76
42
8
2
6
56
1yes