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
258
1
67
30
1
1
97
31
6
4
33
3
36
1
4
4
10
-8
1
1
0
18
0no
76
170
2
74
33
0
0
100
-7
7
8
34
5
38
12
1
0
20
-8
4
4
0
67
0no
80
203
2
65
21
0
0
100
-7
7
8
23
2
57
4
1
1
21
81
1
2
0
50
0no
86
337
1
102
21
0
0
100
-7
7
8
22
3
27
1
4
4
3
100
2
4
0
50
0no
68
115
6
47
35
0
0
94
6
4
6
36
5
47
4
1
1
25
49
7
8
0
75
1yes
81
427
9
123
28
0
0
100
-7
7
8
29
1
31
3
1
1
22
91
8
2
0
63
0no
69
447
1
167
21
3
0
80
29
6
5
25
1
32
8
0
0
72
-8
5
1
5
46
1yes
69
282
0
117
8
1
1
91
21
6
6
11
1
18
0
1
1
0
-8
1
-8
0
25
0no
60
82
14
38
19
0
0
95
12
6
6
20
0
35
16
0
0
68
-8
6
2
3
62
1yes
65
33
4
17
13
0
0
100
-7
7
8
15
5
33
2
8
8
42
-8
6
2
1
80
1yes
65
212
11
75
21
2
1
87
22
6
5
23
1
43
19
0
0
71
64
8
3
3
86
0no
60
63
7
31
15
0
0
100
-7
7
8
16
3
56
6
0
0
64
93
3
4
3
64
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
60
410
7
124
29
0
0
97
20
6
6
32
1
25
1
2
2
70
56
10
4
3
83
1yes
85
277
15
91
8
0
0
100
-7
7
8
8
0
25
22
0
0
36
-8
5
-8
0
100
0no
63
292
1
107
15
1
1
94
1
2
3
17
1
18
0
1
1
16
-8
4
1
0
56
0no
84
276
18
80
15
0
0
100
-7
7
8
15
0
33
17
0
0
12
-8
3
2
0
56
0no
86
288
2
96
35
0
0
100
-7
7
8
38
3
34
0
2
2
5
95
3
4
0
41
0no
75
169
7
45
27
0
0
100
-7
7
8
29
1
21
15
0
0
36
43
6
3
1
53
1yes
74
178
3
54
24
0
0
100
-7
7
8
25
6
28
2
1
1
21
-8
3
1
1
44
0no
75
210
1
63
39
0
0
100
-7
7
8
44
7
36
1
2
2
16
67
4
8
1
60
0no
61
46
1
18
20
0
0
100
-7
7
8
21
5
14
2
2
2
51
60
13
2
2
84
0no
80
93
2
34
13
0
0
100
-7
7
8
15
3
40
7
0
0
6
84
3
3
0
67
0no
78
194
5
70
42
0
0
100
-7
7
8
48
3
25
2
4
3
11
94
4
3
0
41
0no
81
170
1
67
21
0
0
100
-7
7
8
24
4
25
3
1
1
12
98
3
2
0
63
0no
89
190
5
55
14
0
0
100
-7
7
8
15
1
47
5
1
1
0
-8
0
3
0
30
0no
63
232
2
103
14
2
2
88
21
6
4
17
1
6
1
4
4
11
-8
1
-8
0
17
0no
91
197
47
104
18
0
0
100
-7
7
8
18
0
11
-8
0
0
3
-8
2
-8
0
20
0no
63
159
13
81
41
1
0
95
8
3
5
42
0
40
13
0
0
71
83
5
3
4
53
0no
71
213
17
96
29
0
0
87
26
6
6
30
0
23
-8
0
0
60
8
2
3
1
67
0no
56
134
2
65
19
3
3
67
18
6
2
24
2
46
0
9
9
66
-8
2
1
2
60
1yes
71
229
14
104
35
0
0
100
-7
7
8
36
0
22
19
0
0
74
65
6
3
1
69
0no
65
292
4
62
42
1
0
96
1
3
5
45
4
31
0
3
3
11
89
3
4
0
35
0no
86
182
21
89
18
0
0
100
-7
7
8
20
0
30
1
1
1
0
-8
3
1
0
44
0no
85
309
3
93
44
0
0
100
-7
7
8
47
2
38
3
5
5
10
4
5
3
0
57
0no
89
168
22
85
31
0
0
100
-7
7
8
33
0
36
21
0
0
2
-8
2
1
0
33
0no
68
328
12
115
36
0
0
100
-7
7
8
36
0
36
11
0
0
69
48
8
7
5
83
0no
82
233
13
119
37
0
0
100
-7
7
8
39
0
23
12
0
0
20
88
5
3
0
47
0no
89
180
11
77
37
0
0
100
-7
7
8
41
1
24
5
1
1
1
-8
3
1
0
29
0no
85
225
0
78
42
0
0
100
-7
7
8
45
3
38
0
1
1
6
92
3
2
0
31
0no
81
156
1
77
31
0
0
100
-7
7
8
37
2
39
0
4
4
13
-8
1
2
0
33
0no
76
193
9
90
32
0
0
100
-7
7
8
35
2
40
0
1
1
37
-8
3
1
1
67
0no
78
359
2
129
47
0
0
98
58
6
6
50
6
34
0
7
7
10
93
4
1
0
40
0no
77
194
17
75
18
1
1
95
29
6
2
19
0
53
0
2
2
4
47
1
2
0
60
0no
80
208
7
116
15
0
0
100
-7
7
8
15
2
27
1
1
1
38
34
3
3
0
86
1yes
65
345
1
110
57
0
0
95
11
4
6
59
4
25
1
1
1
24
66
6
4
0
33
1yes
70
178
0
71
32
0
0
97
39
6
6
36
1
42
20
0
0
57
-8
5
4
2
75
0no
71
218
22
75
22
1
0
96
27
6
5
24
0
39
1
2
2
3
23
4
1
1
56
1yes
83
171
2
77
12
0
0
92
55
6
6
14
1
31
-8
0
0
12
78
2
2
0
80
0no
70
212
1
56
32
0
0
100
-7
7
8
36
11
36
1
4
4
19
91
7
2
0
75
1yes
85
504
9
147
12
0
0
100
-7
7
8
12
1
8
17
1
1
5
-8
6
-8
0
75
0no
87
260
20
69
10
0
0
100
-7
7
8
12
0
33
19
0
0
25
48
3
3
0
100
1yes
71
357
5
71
26
0
0
96
60
6
6
27
3
52
5
0
0
39
-8
3
3
1
75
0no
87
240
8
115
12
0
0
100
-7
7
8
12
1
58
7
0
0
1
91
1
3
0
67
0no
85
320
9
81
27
0
0
100
-7
7
8
32
2
47
8
0
0
4
-8
1
3
0
36
0no
70
206
3
63
19
0
0
100
-7
7
8
21
4
38
8
0
0
69
77
9
2
5
100
0no
84
356
23
178
16
0
0
100
-7
7
8
16
0
31
-8
0
0
10
-8
4
1
0
67
0no
83
347
7
137
24
0
0
100
-7
7
8
28
1
21
4
2
2
4
-8
3
2
0
56
0no
78
283
3
124
33
0
0
100
-7
7
8
37
1
19
3
1
1
77
-8
18
3
16
92
1yes
83
244
3
69
33
0
0
100
-7
7
8
34
3
15
4
1
1
1
85
6
2
0
38
0no
77
387
4
95
44
0
0
98
68
6
6
45
3
58
3
3
3
41
62
2
2
0
80
0no
73
424
3
78
36
0
0
100
-7
7
8
40
5
20
3
1
1
13
-8
6
1
1
44
0no
84
203
10
83
32
0
0
100
-7
7
8
34
2
38
9
0
0
0
6
2
1
0
27
0no
86
358
3
100
28
0
0
97
-8
6
6
29
2
34
5
0
0
0
-8
1
-8
0
17
0no
72
214
2
81
60
1
1
95
32
6
6
68
3
35
0
2
2
13
63
5
4
0
47
0no
76
316
6
101
9
0
0
100
-7
7
8
10
1
80
0
1
1
81
70
1
1
1
100
1yes
71
98
5
46
17
0
0
100
-7
7
8
18
4
39
0
1
1
57
76
3
3
1
86
0no
82
429
10
115
30
0
0
97
19
6
6
30
1
13
11
0
0
10
51
11
2
0
65
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
57
171
5
62
33
0
0
97
0
4
6
34
5
26
0
5
4
11
86
5
2
0
39
0no
61
328
3
98
15
1
1
94
33
0
6
16
2
31
14
0
0
48
43
2
2
0
50
1yes
84
144
12
64
16
0
0
100
-7
7
8
16
0
25
1
4
4
5
-8
1
1
0
67
0no
78
266
35
89
5
2
2
100
-7
6
8
5
0
40
1
1
1
7
88
2
1
0
75
0no
62
163
5
54
42
2
0
91
14
6
5
45
3
57
0
7
7
35
52
3
6
1
56
0no
72
113
10
77
21
5
5
73
36
6
2
26
1
15
0
2
2
4
-8
2
1
0
60
1yes
69
193
7
62
15
0
0
100
-7
7
8
16
1
44
6
0
0
77
70
5
3
4
80
1yes
65
87
3
47
16
2
2
100
-7
6
8
20
3
20
2
1
1
42
-8
6
1
1
78
1yes
73
317
1
92
34
0
0
100
-7
7
8
36
3
17
0
7
7
24
80
5
2
1
50
1yes
63
120
7
65
18
1
1
100
-7
6
8
24
1
38
0
2
2
65
62
5
3
2
73
1yes
57
160
1
70
6
3
2
45
13
6
3
11
1
73
0
2
2
64
52
1
4
1
71
1yes
60
106
2
61
25
0
0
93
41
6
6
27
1
22
0
0
0
88
100
13
1
5
93
0no
69
194
4
63
41
0
0
95
15
6
6
41
5
29
0
2
2
0
99
3
4
0
35
0no
66
91
2
49
10
0
0
75
16
6
6
12
2
83
0
3
3
-8
-8
-8
2
-8
100
1yes
84
127
11
88
7
0
0
100
-7
7
8
7
1
43
0
1
1
0
86
2
1
-8
75
1yes
50
54
2
29
13
1
1
87
1
0
2
15
3
60
0
1
1
99
68
4
2
1
100
1yes
68
69
15
37
11
0
0
100
-7
7
8
11
0
27
0
1
1
86
-8
4
1
1
83
1yes
55
138
6
43
3
0
0
50
73
5
6
4
1
50
0
2
2
131
90
1
1
-8
100
1yes
59
117
10
45
11
1
1
91
3
4
6
11
1
36
0
3
3
105
-8
4
1
2
83
1yes
56
274
15
91
29
2
1
78
4
4
3
32
0
3
0
0
0
33
-8
14
-8
3
56
1yes
73
16
16
16
1
0
0
100
-7
7
8
1
0
100
0
2
2
-8
-8
-8
1
-8
100
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
86
275
13
87
18
0
0
100
-7
7
8
18
0
33
0
0
0
8
-8
4
-8
0
50
0no
50
23
7
15
5
0
0
80
5
4
6
5
2
40
0
2
2
76
-8
3
1
1
100
1yes
81
266
2
51
29
0
0
100
-7
7
8
30
4
53
0
1
1
9
88
3
6
0
83
0no
80
208
12
76
30
1
0
97
23
6
5
31
0
13
0
0
0
1
71
5
2
0
35
0no
69
33
4
16
5
0
0
100
-7
7
8
5
1
20
0
3
2
53
92
3
1
0
100
1yes
60
154
9
53
56
0
0
100
-7
7
8
58
1
41
0
1
1
67
87
5
3
4
80
1yes
76
422
5
128
35
2
0
89
9
3
5
37
2
3
0
1
1
4
-8
4
1
0
20
1yes
70
457
3
112
10
1
1
90
73
6
6
10
4
40
0
3
3
83
92
1
3
1
100
1yes
64
162
15
42
12
1
1
92
17
6
6
12
0
42
0
1
1
73
69
3
3
2
75
0no