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
81
-8
4
106
17
0
0
94
79
6
6
18
1
28
-7
4
4
2
-8
3
2
0
50
0no
79
-8
7
104
20
0
0
95
27
6
6
20
2
55
-7
0
0
27
49
5
3
0
100
0no
67
-8
30
78
10
0
0
92
1
4
6
13
0
62
-7
1
1
73
42
2
2
-8
100
1yes
72
-8
2
16
4
0
0
100
-7
7
8
6
3
50
-7
0
0
29
100
2
2
0
67
1yes
64
-8
2
40
27
0
0
100
-7
7
8
30
6
7
-7
5
5
32
-8
7
1
3
47
0no
72
-8
5
74
41
0
0
100
-7
7
8
47
1
57
-7
1
1
82
55
8
10
6
86
1yes
54
-8
32
61
9
1
1
78
1
0
6
9
0
56
-7
1
1
77
59
3
1
2
100
1yes
86
-8
7
61
18
0
0
100
-7
7
8
20
1
20
-7
0
0
13
-8
2
1
0
43
0no
68
-8
4
32
7
1
1
100
-7
6
8
7
3
43
-7
1
1
16
74
3
3
1
86
0no
67
-8
7
68
34
0
0
100
-7
7
8
39
3
13
-7
5
5
90
40
13
4
9
89
1yes
64
-8
1
47
23
3
3
100
-7
0
8
26
3
15
-7
2
2
49
83
9
2
1
61
1yes
87
-8
67
217
4
0
0
100
-7
7
8
4
0
25
-7
0
0
33
-8
3
1
0
100
0no
78
-8
2
132
22
0
0
100
-7
7
8
29
2
3
-7
1
1
58
-8
8
-8
4
53
0no
82
-8
4
79
7
1
0
75
41
6
5
8
2
38
-7
0
0
5
19
1
2
-8
75
1yes
60
-8
2
95
42
2
1
87
3
4
3
49
3
18
-7
8
8
44
60
7
3
1
48
1yes
65
141
7
60
36
0
0
100
-7
7
8
36
3
31
-7
2
2
55
52
10
5
4
68
1yes
63
-8
31
86
13
1
1
93
35
6
6
14
0
21
-7
2
2
83
40
6
1
2
88
1yes
69
-8
3
128
25
1
1
100
-7
6
8
26
3
23
-7
1
1
45
81
3
3
1
50
0no
65
-8
6
87
39
0
0
93
25
6
6
42
2
29
-7
0
0
66
76
12
3
4
77
0no
63
57
2
30
26
0
0
100
-7
7
8
27
8
26
-7
1
1
67
91
8
4
4
80
1yes
71
-8
4
43
15
0
0
93
44
6
6
15
1
53
-7
2
2
44
89
3
3
0
75
0no
74
-8
3
92
26
0
0
100
-7
7
8
28
3
32
-7
2
2
52
60
8
4
4
75
0no
68
170
1
63
21
1
1
95
45
6
6
24
5
36
-7
3
3
26
65
4
3
0
64
1yes
65
263
14
109
10
4
1
59
39
6
4
17
0
18
-7
1
1
27
42
2
2
1
50
0no
77
-8
3
68
32
0
0
100
-7
7
8
39
2
31
3
1
1
31
80
5
2
1
70
1yes
72
-8
9
61
23
0
0
100
-7
7
8
24
8
21
8
1
0
23
-8
4
2
2
50
1yes
82
-8
14
97
21
0
0
100
-7
7
8
21
0
14
-8
0
0
12
3
2
2
1
31
0no
88
-8
41
102
8
1
1
100
-7
6
8
8
0
38
0
1
1
0
83
2
1
0
60
1yes
72
-8
6
46
9
0
0
100
-7
7
8
10
1
50
14
0
0
58
75
2
2
1
67
1yes
71
-8
4
10
4
0
0
100
-7
7
8
4
2
25
2
6
6
17
87
3
1
0
100
1yes
70
-8
1
109
13
2
1
71
41
6
2
17
1
65
-8
0
0
51
17
2
3
2
83
1yes
82
354
1
67
13
0
0
100
-7
7
8
15
3
13
1
1
1
14
-8
2
1
0
43
1yes
76
400
3
97
17
1
1
94
35
6
6
17
2
18
2
1
1
2
96
4
2
0
75
0no
71
-8
9
46
15
0
0
88
21
6
6
16
3
44
8
0
0
32
89
3
2
0
63
0no
60
-8
10
110
35
2
2
95
2
4
6
37
1
27
6
0
0
79
74
9
2
7
73
1yes
71
-8
15
117
19
7
7
75
63
6
3
29
0
72
14
0
0
53
69
1
3
0
67
0no
71
-8
2
71
20
0
0
92
16
6
6
26
5
42
2
2
2
37
-8
4
1
0
63
0no
66
190
1
64
7
1
1
78
-7
6
7
9
3
22
0
7
7
34
-8
5
1
0
100
1yes
83
210
3
74
24
0
0
100
-7
7
8
24
3
29
0
3
3
11
87
2
2
0
40
1yes
70
-8
2
57
42
1
0
91
13
6
5
46
6
20
1
3
3
12
39
11
3
1
54
0no
84
190
21
111
18
0
0
100
-7
7
8
19
0
28
19
0
0
24
-8
2
1
1
33
0no
66
-8
4
17
4
0
0
100
-7
7
8
5
2
80
4
4
4
97
196
1
2
1
75
1yes
61
-8
3
58
12
4
4
83
18
6
6
12
2
33
0
2
2
68
65
4
3
0
64
1yes
72
-8
2
70
16
0
0
100
-7
7
8
17
1
29
0
3
3
68
66
4
2
2
86
1yes
65
-8
6
60
3
5
3
50
14
0
5
6
3
17
9
0
0
5
-8
3
-8
0
60
1yes
79
463
3
88
45
0
0
100
-7
7
8
46
5
20
3
1
1
12
98
3
2
0
56
0no
59
163
18
80
5
1
1
83
-8
6
6
6
0
83
6
0
0
101
42
1
2
1
100
1yes
67
-8
3
43
19
0
0
100
-7
7
8
22
2
27
14
0
0
53
41
6
4
3
71
1yes
73
201
4
59
9
0
0
100
-7
7
8
9
4
33
2
4
4
38
85
4
2
2
86
1yes
68
-8
8
45
28
0
0
93
24
6
6
32
3
13
4
1
1
26
83
8
2
2
63
1yes
65
-8
3
101
19
0
0
90
5
4
6
21
3
43
15
0
0
59
-8
4
1
3
50
1yes
69
82
4
35
11
1
1
92
77
6
4
12
3
25
3
6
6
45
62
5
2
1
70
0no
73
333
1
102
25
0
0
96
16
6
6
27
4
26
0
5
5
37
3
3
3
-8
67
0no
77
-8
3
116
19
0
0
100
-7
7
8
19
2
16
18
0
0
34
-8
10
1
1
85
0no
81
-8
8
31
10
0
0
100
-7
7
8
11
2
18
0
1
1
0
-8
0
1
0
13
0no
68
-8
7
64
37
1
1
95
18
6
6
38
9
18
15
0
0
39
88
10
2
3
52
1yes
61
249
9
92
18
0
0
89
19
6
6
18
1
17
2
2
2
81
-8
8
1
3
77
1yes
89
286
26
111
19
0
0
100
-7
7
8
19
0
47
-8
0
0
6
49
1
3
0
63
0no
90
210
19
95
24
0
0
100
-7
7
8
25
0
21
17
0
0
4
36
4
2
0
38
0no
73
-8
1
80
32
0
0
100
-7
7
8
34
2
24
2
2
2
78
62
11
2
8
65
1yes
84
-8
5
71
15
0
0
100
-7
7
8
0
2
20
20
0
0
2
69
3
3
0
60
0no
61
61
3
27
7
1
0
75
11
4
5
8
3
38
2
4
4
41
96
2
3
0
83
0no
82
439
4
101
32
0
0
100
-7
7
8
33
2
13
3
1
1
3
51
5
2
0
33
0no
56
166
2
55
28
3
2
78
1
4
2
32
3
28
1
1
1
43
85
13
4
4
81
1yes
65
442
1
114
28
1
1
97
13
6
6
33
3
39
2
1
1
66
72
10
5
5
75
1yes
77
51
4
29
19
0
0
100
-7
7
8
22
1
32
1
2
2
0
95
2
3
0
64
1yes
74
311
3
102
39
0
0
100
-7
7
8
41
2
20
3
2
2
15
53
9
1
1
48
0no
65
157
6
44
13
1
0
93
30
6
5
14
4
36
4
1
1
23
80
3
2
-8
67
1yes
86
191
7
82
27
0
0
100
-7
7
8
28
1
22
7
0
0
0
-8
0
1
0
8
0no
66
358
7
116
26
2
1
97
1
3
5
29
1
38
3
1
1
1
11
1
2
0
19
0no
61
222
3
63
43
1
0
91
9
4
5
46
9
41
4
2
2
57
5
7
4
3
61
1yes
64
212
3
67
20
1
1
100
-7
6
8
20
9
20
2
4
4
48
60
9
2
1
69
1yes
70
161
10
73
13
0
0
85
15
6
6
13
1
54
0
3
3
32
93
2
3
1
71
1yes
59
246
2
81
34
0
0
94
3
4
6
41
3
46
8
0
0
56
85
7
3
3
67
1yes
86
197
10
95
20
0
0
100
-7
7
8
24
1
58
-8
0
0
8
-8
4
1
0
63
0no
83
233
12
79
21
0
0
100
-7
7
8
21
0
19
0
2
2
8
-8
6
2
0
67
0no
59
127
12
44
13
1
1
92
40
0
6
15
0
20
2
2
2
98
39
7
2
6
100
1yes
86
199
3
83
21
0
0
100
-7
7
8
21
2
43
7
0
0
2
-8
5
1
0
75
0no
74
265
6
79
28
0
0
100
-7
7
8
30
2
53
8
0
0
96
92
2
4
2
88
0no
72
123
7
56
27
0
0
96
35
6
6
27
1
30
0
2
2
36
73
7
4
2
65
1yes
76
207
2
101
18
0
0
100
-7
7
8
21
3
24
8
0
0
17
-8
3
2
1
58
1yes
64
46
3
31
4
5
5
100
-7
0
8
5
1
20
2
1
1
2
-8
1
1
0
67
0no
74
73
18
46
9
0
0
100
-7
7
8
9
0
11
21
0
0
65
-8
3
-8
1
50
0no
57
232
3
83
21
0
0
63
0
4
6
24
3
29
4
1
1
90
36
10
2
4
93
0no
77
92
5
44
15
0
0
100
-7
7
8
15
3
40
2
3
3
40
53
2
4
0
67
0no
79
214
2
64
28
0
0
94
68
6
6
32
2
16
3
1
1
45
-8
1
1
1
50
0no
83
178
5
84
13
0
0
100
-7
7
8
13
2
46
-8
0
0
18
-8
2
1
0
75
0no
66
150
10
69
17
1
0
90
9
3
5
23
2
39
3
1
1
33
81
2
2
0
50
0no
67
56
33
48
2
6
6
67
27
0
3
3
0
33
-8
0
0
0
-8
0
-8
-8
0
1yes
80
192
5
66
52
0
0
100
-7
7
8
52
4
8
4
1
1
3
-8
4
1
1
16
0no
91
215
19
98
13
0
0
100
-7
7
8
14
0
14
-8
0
0
0
-8
1
1
0
25
0no
66
96
6
32
13
0
0
93
20
6
6
14
4
14
5
0
0
33
-8
4
1
1
71
0no
63
194
2
42
24
3
2
93
29
6
4
28
6
14
0
3
3
33
-8
7
2
3
50
1yes
72
110
7
63
12
1
1
92
52
6
2
13
1
54
0
3
3
0
-8
0
1
-8
25
1yes
89
169
8
56
13
0
0
100
-7
7
8
14
1
14
17
0
0
11
-8
1
-8
0
20
0no
65
82
1
43
25
2
1
97
70
6
5
30
3
33
2
4
4
33
53
2
8
1
56
1yes
74
390
1
98
37
0
0
100
-7
7
8
38
5
24
0
4
3
22
64
4
1
1
33
0no
67
232
11
91
28
0
0
96
40
6
6
28
1
21
0
4
4
39
90
7
3
3
67
0no
69
301
32
178
5
1
0
56
2
4
5
9
0
44
-8
0
0
75
40
2
2
1
80
1yes
84
230
8
66
13
0
0
100
-7
7
8
13
2
15
8
0
0
14
-8
1
1
0
33
1yes