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
83
254
9
96
27
1
1
96
72
6
4
28
1
18
0
1
1
10
33
6
2
0
60
1yes
62
34
10
23
6
1
1
83
12
6
6
6
1
33
0
0
0
45
72
4
2
1
100
1yes
61
207
3
67
27
0
0
97
3
4
6
30
2
40
0
3
3
24
71
5
3
0
57
0no
57
47
9
35
5
1
0
50
16
6
5
10
1
30
0
2
2
66
70
2
2
0
57
1yes
56
69
12
34
3
1
1
100
-7
6
8
3
0
100
0
4
4
-8
64
-8
2
-8
100
1yes
60
91
17
46
3
5
5
100
-7
6
8
3
0
100
0
0
0
-8
88
-8
2
-8
100
1yes
59
216
2
65
22
2
2
96
10
2
4
31
1
32
0
6
6
31
40
4
2
1
55
1yes
67
204
4
80
19
1
1
95
65
6
2
23
6
39
0
0
0
3
67
1
3
0
40
1yes
61
180
1
62
12
3
3
75
13
6
3
17
2
35
0
1
1
31
79
2
2
0
50
1yes
78
299
3
102
26
0
0
90
14
6
6
31
1
35
0
0
0
7
38
2
2
0
45
0no
60
181
8
67
15
3
3
80
2
0
2
20
1
40
0
2
2
35
82
6
4
0
91
0no
83
209
8
80
4
0
0
100
-7
7
8
5
1
20
0
0
0
9
-8
3
-8
-8
75
1yes
70
267
10
121
15
0
0
94
52
6
6
16
2
56
0
4
4
77
-8
4
1
3
83
1yes
54
51
11
34
7
2
2
63
3
4
2
9
1
33
0
1
1
86
88
3
1
0
100
1yes
61
46
28
33
7
1
1
75
9
4
6
8
0
50
0
4
4
42
28
1
3
0
67
0no
76
325
6
79
20
0
0
95
11
4
6
20
1
45
0
3
2
3
64
2
4
0
80
1yes
79
244
12
74
26
1
0
93
21
6
5
28
0
14
0
0
0
3
50
5
2
0
39
1yes
78
292
11
79
16
0
0
100
-7
7
8
16
1
44
0
2
2
33
85
2
3
1
71
0no
54
131
10
72
9
1
1
67
1
4
3
12
2
25
0
3
3
91
-8
1
1
1
50
1yes
58
92
6
40
34
1
1
100
-7
0
8
41
1
22
0
4
4
37
100
8
4
3
52
1yes
68
182
19
94
19
0
0
90
2
4
6
20
0
40
0
3
3
5
48
3
3
0
55
1yes
57
107
3
53
25
1
1
96
-8
6
3
26
4
54
0
7
7
89
36
5
3
2
82
1yes
65
94
6
43
31
2
1
91
38
6
5
36
5
42
0
0
0
18
88
5
3
0
50
1yes
75
293
9
143
9
0
0
89
11
4
6
9
2
22
0
0
0
59
78
3
1
1
57
1yes
55
101
4
29
12
0
0
92
2
4
6
13
3
38
0
0
0
43
83
5
3
2
100
1yes
70
185
32
130
6
3
2
67
17
6
2
9
0
11
0
0
0
5
-8
1
1
0
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
77
110
17
48
17
0
0
100
-7
7
8
18
0
39
0
2
2
22
67
4
3
0
64
1yes
62
86
2
48
0
3
3
33
41
6
2
3
1
67
0
3
3
3
-8
1
-8
0
100
1yes
81
407
8
90
31
0
0
100
-7
7
8
33
1
36
0
4
4
0
76
2
2
1
45
0no
62
141
9
67
28
1
0
97
50
6
5
30
3
43
0
0
0
84
89
4
4
2
89
1yes
59
142
18
50
14
2
1
80
10
4
5
16
0
50
0
1
1
82
48
3
3
1
78
1yes
64
108
6
55
16
3
1
75
40
6
5
21
4
20
0
0
0
53
69
5
4
1
91
0no
70
219
9
93
23
0
0
91
11
4
6
23
2
22
0
0
0
39
-8
6
2
1
53
1yes
71
67
6
32
17
0
0
95
-8
6
6
20
3
35
0
1
1
22
100
3
2
1
56
0no
57
163
6
62
15
4
4
89
4
1
3
19
3
16
0
2
2
21
-8
4
1
0
45
0no
60
143
1
74
22
1
1
96
5
0
2
29
4
34
0
3
3
30
96
6
3
2
82
0no
84
159
13
80
22
0
0
100
-7
7
8
22
0
18
0
2
2
1
-8
2
1
1
30
0no
65
101
2
34
15
0
0
100
-7
7
8
18
5
33
0
9
9
72
100
5
3
4
69
1yes
62
156
2
63
31
1
1
97
5
0
2
33
3
18
0
0
0
3
-8
3
2
0
42
1yes
52
296
7
95
43
2
0
89
3
4
5
47
1
68
0
1
1
69
44
6
10
3
85
1yes
62
54
8
26
6
0
0
86
40
6
6
7
2
43
0
0
0
65
79
1
2
-8
75
1yes
62
214
13
93
23
1
1
88
5
4
6
24
0
25
0
0
0
75
-8
10
2
5
71
0no
76
87
2
34
30
0
0
100
-7
7
8
35
6
34
0
16
16
4
60
9
1
0
65
1yes
77
199
2
60
24
0
0
100
-7
7
8
29
3
21
0
0
0
66
41
5
3
2
67
1yes
54
164
30
66
5
1
0
50
3
3
5
7
0
33
0
1
1
108
-8
2
1
1
100
1yes
72
264
2
81
42
1
1
100
-7
7
8
44
3
21
0
3
3
15
50
6
3
1
50
0no
64
262
3
80
15
2
0
83
11
4
2
18
1
44
0
0
0
71
52
8
3
4
92
1yes
78
241
2
74
25
0
0
100
-7
7
8
27
2
19
0
1
1
30
-8
3
1
0
31
0no
75
160
3
85
20
1
0
91
10
3
5
25
1
16
0
0
0
2
28
5
2
0
58
0no
64
142
1
34
12
2
2
85
35
6
2
21
6
33
0
2
2
24
67
5
3
0
67
1yes
57
280
9
86
24
1
0
81
2
3
5
27
1
44
0
1
1
75
88
8
3
5
92
1yes
63
162
1
49
22
0
0
92
40
6
6
24
6
33
0
8
6
69
97
6
2
2
89
1yes
60
204
2
58
27
0
0
86
0
4
6
31
4
35
0
1
1
57
96
5
4
2
64
0no
75
44
8
24
8
0
0
100
-7
7
8
9
2
56
0
0
0
49
72
3
2
0
83
1yes
80
342
4
68
28
0
0
100
-7
7
8
28
2
57
0
1
1
57
86
5
5
1
83
1yes
54
162
7
87
24
1
0
85
7
4
5
26
1
31
0
2
2
65
70
9
3
3
80
1yes
85
312
11
85
32
0
0
100
-7
7
8
32
1
25
-7
1
1
0
-8
3
1
0
24
0no
77
188
3
64
27
0
0
100
-7
7
8
27
2
15
-7
1
1
22
62
2
3
0
45
0no
83
-8
5
53
25
0
0
100
-7
7
8
26
2
4
-7
1
1
18
-8
5
1
0
55
0no
66
-8
6
59
31
0
0
100
-7
7
8
31
3
35
-7
0
0
60
70
5
4
2
82
1yes
90
-8
2
81
8
0
0
100
-7
7
8
10
1
20
-7
1
1
0
-8
0
1
0
20
0no
74
-8
50
127
2
0
0
50
31
6
6
2
0
50
-7
2
2
-8
-8
-8
1
-8
100
1yes
61
-8
3
40
9
0
0
100
-7
7
8
11
4
36
-7
2
2
89
96
3
3
3
88
1yes
69
-8
9
61
26
0
0
100
-7
7
8
28
3
36
-7
6
5
43
50
5
2
2
64
0no
69
-8
17
37
4
0
0
100
-7
7
8
4
0
75
-7
1
1
118
-8
1
2
1
100
1yes
69
-8
8
31
7
2
1
78
28
6
2
9
2
78
-7
1
1
8
33
1
3
0
80
0no
67
-8
4
15
12
0
0
100
-7
7
8
13
6
23
-7
4
4
28
95
7
2
1
90
1yes
56
-8
11
86
19
0
0
95
1
4
6
19
1
58
-7
5
5
94
47
6
2
6
89
1yes
67
117
1
46
10
0
0
92
13
6
6
12
2
42
-7
1
1
60
55
3
2
2
71
1yes
54
-8
9
99
10
8
5
59
1
0
2
17
1
29
-7
1
1
99
-8
2
1
-8
75
0no
72
-8
13
118
19
0
0
100
-7
7
8
20
0
35
-7
7
7
50
-8
5
-8
1
100
0no
56
381
2
102
17
2
2
71
1
4
6
21
2
29
-7
4
4
0
56
2
2
0
42
1yes
70
-8
11
36
7
0
0
88
20
6
6
9
2
33
-7
0
0
48
100
1
2
0
75
1yes
67
-8
4
20
17
1
1
100
-7
6
8
18
8
17
-7
1
1
10
89
2
2
1
29
1yes
68
-8
4
46
11
1
1
100
-7
6
8
12
1
25
-7
1
1
45
-8
6
1
0
88
1yes
88
-8
4
129
10
0
0
100
-7
7
8
10
1
40
-7
3
3
4
-8
1
1
0
40
0no
75
-8
4
49
17
0
0
100
-7
7
8
19
2
26
-7
1
1
100
57
1
2
1
50
0no
61
-8
4
46
31
0
0
100
-7
7
8
33
1
39
-7
9
9
62
79
6
8
5
74
1yes
85
364
16
129
14
0
0
93
58
6
6
14
0
36
-7
2
1
3
-8
1
1
-8
67
1yes
83
-8
4
74
12
0
0
100
-7
7
8
16
3
31
-7
1
1
30
-8
2
1
0
60
0no
57
47
4
21
5
0
0
80
32
6
6
5
1
60
-7
3
3
97
84
2
3
1
100
1yes
69
-8
178
234
7
0
0
86
37
6
6
7
0
0
-7
0
0
98
-8
4
-8
3
100
0no
65
-8
2
13
5
0
0
100
-7
7
8
7
4
57
-7
2
2
54
88
2
2
0
80
1yes
62
-8
14
45
9
5
4
82
29
0
5
11
0
27
-7
1
1
28
-8
3
2
0
63
1yes
78
-8
9
74
41
0
0
100
-7
7
8
44
2
37
-7
0
0
35
80
3
4
1
88
0no
63
-8
13
107
16
2
1
83
8
2
4
19
0
37
-7
0
0
48
81
6
4
2
80
1yes
60
180
2
61
12
8
6
67
30
6
2
18
3
44
-7
0
0
46
97
4
1
2
86
1yes
70
-8
7
64
13
1
1
93
29
6
2
14
2
36
-7
0
0
54
83
4
2
0
100
0no
86
-8
4
93
38
0
0
100
-7
7
8
39
1
5
-7
0
0
9
51
7
2
0
36
1yes
61
-8
3
50
4
1
1
80
14
6
2
5
2
0
-7
0
0
74
-8
4
-8
3
100
1yes
74
-8
3
93
19
0
0
90
33
6
6
21
3
43
-7
2
2
34
78
4
3
1
64
1yes
74
-8
2
59
24
0
0
82
30
6
6
28
7
29
-7
3
3
12
91
3
1
0
40
1yes
83
-8
33
65
14
0
0
100
-7
7
8
17
0
29
-7
1
1
-8
-8
-8
1
-8
100
1yes
72
-8
4
76
31
0
0
100
-7
7
8
33
3
27
-7
1
1
22
41
5
3
1
53
1yes
70
-8
11
23
6
1
1
100
-7
6
8
6
1
33
-7
0
0
3
47
2
2
0
67
1yes
57
-8
6
91
10
1
0
47
2
4
5
16
1
31
-7
0
0
91
29
4
1
2
86
1yes
63
-8
2
51
11
2
2
88
1
0
2
16
4
50
-7
3
3
12
87
1
4
0
56
1yes
71
322
20
117
29
1
1
93
9
4
6
30
0
48
-7
2
2
21
-8
2
1
0
25
0no
76
384
6
87
24
1
1
96
32
6
3
27
2
26
-7
0
0
4
-8
4
1
0
45
1yes