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
57
86
20
48
8
3
1
31
13
6
5
14
0
92
0
3
3
0
59
0
4
-8
80
1yes
68
143
1
52
35
0
0
94
1
4
6
36
4
19
0
0
0
7
100
5
3
0
53
1yes
58
42
2
24
17
0
0
100
-7
7
8
18
2
50
0
7
7
90
74
5
5
1
100
1yes
63
263
1
84
33
1
0
86
7
4
2
35
3
34
0
1
1
36
48
8
3
3
59
0no
70
386
2
122
18
1
0
90
80
6
5
20
1
15
0
0
0
77
99
6
2
3
57
1yes
69
274
1
82
35
0
0
97
-8
6
6
36
4
44
0
2
2
40
-8
2
1
1
33
1yes
71
179
7
69
34
0
0
100
-7
7
8
34
3
29
0
1
1
34
83
7
3
1
50
1yes
67
278
22
87
4
0
0
33
1
4
6
6
0
33
0
1
0
34
17
2
2
0
67
1yes
83
113
25
62
15
0
0
100
-7
7
8
15
0
40
0
0
0
35
52
3
3
0
60
1yes
70
270
9
70
26
0
0
100
-7
7
8
27
2
15
0
0
0
57
41
3
3
3
55
1yes
66
164
5
66
19
1
0
95
19
6
5
21
1
19
0
0
0
65
-8
3
1
1
33
1yes
69
126
2
48
20
0
0
100
-7
7
8
21
2
43
0
1
1
79
73
5
3
3
67
1yes
58
151
12
50
9
2
2
67
4
4
6
9
0
44
0
0
0
65
86
5
2
2
100
1yes
63
252
1
88
17
0
0
94
5
4
6
18
2
17
0
2
2
42
-8
7
1
3
57
1yes
54
248
1
58
25
0
0
96
12
6
6
28
5
29
0
4
4
81
-8
9
2
6
92
1yes
76
131
14
53
19
0
0
95
59
6
6
19
0
32
0
1
1
44
-8
6
1
0
88
1yes
58
163
2
67
23
1
0
81
3
4
5
27
4
52
0
5
5
40
79
7
5
1
93
1yes
61
182
2
41
6
1
0
88
58
6
5
8
3
50
0
2
2
99
86
4
2
3
100
0no
89
148
15
79
11
0
0
100
-7
7
8
12
0
33
0
0
0
2
-8
3
1
0
80
0no
61
74
5
38
24
2
2
85
4
4
4
26
2
31
0
1
1
43
87
2
4
0
46
1yes
60
101
13
49
9
2
2
67
10
4
2
12
0
83
0
0
0
-8
63
-8
3
-8
100
1yes
-9
175
159
167
2
1
1
100
-7
9
8
3
0
50
0
2
2
-8
-8
-8
-8
-8
-8
1yes
67
233
12
66
13
1
0
87
10
4
5
15
0
67
0
1
1
33
81
3
2
1
83
1yes
83
345
6
185
19
1
0
95
54
6
5
20
3
20
0
1
1
5
64
7
2
0
64
0no
63
195
12
78
34
0
0
94
12
6
6
35
0
11
0
2
2
47
100
11
3
5
67
1yes
71
106
0
39
22
0
0
92
54
6
6
25
7
52
0
3
2
32
94
4
4
1
67
1yes
55
164
1
51
3
2
1
67
10
2
4
6
2
17
0
1
1
87
-8
3
1
2
100
1yes
88
419
11
101
21
0
0
100
-7
7
8
21
1
33
0
0
0
0
-8
0
1
0
25
1yes
85
127
9
58
22
0
0
100
-7
7
8
22
2
50
0
0
0
2
-8
1
1
0
33
0no
58
30
15
24
4
0
0
25
3
4
6
4
0
50
0
0
0
-8
-8
1
1
-8
100
1yes
82
157
8
82
22
0
0
100
-7
7
8
22
1
50
0
2
2
2
85
1
2
0
60
0no
65
251
9
67
23
4
3
92
11
4
5
24
3
79
0
1
1
86
87
2
3
1
100
1yes
68
255
10
71
11
2
2
92
57
6
2
12
2
42
0
0
0
45
43
6
2
1
100
0no
66
186
9
61
24
1
1
100
-7
6
8
27
1
63
0
0
0
79
85
6
6
3
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
1yes
66
24
1
12
11
0
0
100
-7
7
8
12
5
17
0
0
0
42
100
3
1
3
67
1yes
61
425
34
103
13
4
4
79
37
0
3
20
0
58
0
0
0
78
66
4
1
1
100
1yes
68
85
2
42
24
0
0
100
-7
7
8
27
3
48
0
2
2
38
77
4
3
3
64
1yes
60
12
2
7
1
1
1
100
-7
7
8
3
1
50
0
3
3
18
-8
1
-8
-8
100
0no
68
142
5
54
26
0
0
100
-7
7
8
27
2
26
0
3
3
70
68
5
3
3
80
1yes
66
262
5
51
14
0
0
83
8
4
6
18
3
39
0
0
0
51
84
5
4
1
82
0no
71
149
3
63
27
0
0
96
-8
6
6
28
2
36
0
1
1
41
97
7
1
2
73
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
64
74
2
35
25
0
0
100
-7
7
8
26
5
62
0
1
1
78
75
5
7
2
100
1yes
81
119
10
55
7
0
0
100
-7
7
8
7
1
57
0
3
2
0
90
0
2
0
67
0no
75
124
5
72
21
0
0
100
-7
7
8
21
1
38
0
0
0
64
76
2
3
2
86
1yes
77
220
2
63
38
0
0
100
-7
7
8
40
1
53
0
1
1
25
67
5
1
1
50
1yes
78
260
13
133
23
0
0
100
-7
7
8
23
0
35
0
1
1
37
76
7
2
1
82
1yes
86
315
16
102
18
1
0
95
64
6
5
19
0
53
0
5
2
0
-8
1
1
0
29
0no
67
89
2
41
19
0
0
100
-7
7
8
21
5
71
0
4
4
83
91
4
5
2
100
1yes
59
154
3
65
27
0
0
100
-7
7
8
27
6
37
0
2
2
85
74
8
3
5
79
1yes
60
141
13
83
7
3
1
55
17
6
2
11
0
36
-7
1
1
80
-8
2
1
2
80
1yes
80
116
6
49
13
0
0
92
67
6
6
13
1
69
-7
2
2
1
73
1
3
0
67
1yes
74
229
7
72
26
0
0
92
12
6
6
28
2
27
-7
3
3
17
85
2
3
0
45
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
68
131
2
77
15
1
1
88
61
5
2
17
3
82
-7
0
0
107
99
2
2
1
100
1yes
63
232
5
130
27
2
2
89
-8
6
6
27
1
19
-7
3
3
56
55
7
3
4
69
0no
61
60
7
36
6
2
1
63
13
6
2
8
1
63
-7
0
0
18
81
1
3
-8
80
1yes
63
124
2
17
6
0
0
100
-7
7
8
10
9
40
-7
3
3
45
98
4
4
2
90
1yes
70
97
4
48
20
0
0
100
-7
7
8
20
4
50
-7
3
3
45
68
4
2
2
60
0no
48
214
14
110
6
10
10
38
1
0
2
16
0
44
-7
1
1
77
-8
2
1
2
100
0no
70
296
23
164
13
1
1
92
45
6
6
13
0
31
-7
1
0
39
2
3
2
1
63
1yes
79
375
23
96
28
0
0
100
-7
7
8
28
0
18
-7
1
1
31
76
5
2
1
44
0no
72
118
4
55
14
0
0
100
-7
7
8
14
2
36
-7
1
1
76
-8
6
-8
3
75
1yes
76
88
2
25
11
0
0
100
-7
7
8
13
7
54
-7
3
3
0
88
0
4
0
40
1yes
72
30
23
27
2
0
0
33
2
4
6
3
0
33
-7
0
0
0
21
0
1
0
33
1yes
62
265
11
90
33
0
0
88
4
4
6
33
1
33
-7
0
0
35
48
6
5
1
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
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
-9
383
383
383
1
1
1
100
-7
6
8
1
0
100
-7
1
1
-8
-8
-8
-8
-8
-8
1yes
78
97
13
51
14
0
0
93
45
6
6
14
0
21
-7
0
0
20
65
2
3
0
71
1yes
76
167
16
81
23
0
0
100
-7
7
8
24
0
17
-7
0
0
35
70
4
2
2
67
0no
86
139
112
126
2
0
0
100
-7
7
8
2
0
0
-7
0
0
12
-8
1
-8
0
100
0no
80
318
10
79
28
0
0
96
15
6
6
28
2
21
-7
1
1
7
-8
6
-8
0
29
1yes
70
88
7
50
38
0
0
97
13
6
6
38
1
34
-7
0
0
25
-8
3
1
1
50
1yes
82
100
3
37
9
0
0
100
-7
7
8
9
3
22
-7
1
1
0
99
3
1
0
67
0no
82
381
5
100
28
1
1
97
54
6
3
29
3
21
-7
0
0
0
-8
2
1
1
23
0no
58
87
2
42
34
0
0
100
-7
7
8
42
2
34
-7
5
4
70
92
12
3
2
75
1yes
87
169
18
83
22
0
0
100
-7
7
8
22
0
14
-7
0
0
0
-8
1
1
0
18
1yes
63
322
1
92
13
1
0
80
16
6
5
15
2
13
-7
1
1
72
-8
4
2
4
55
1yes
57
331
29
181
11
0
0
75
4
4
6
12
0
25
-7
3
3
77
60
4
2
3
86
1yes
58
214
10
158
15
4
2
58
1
4
3
19
1
53
-7
0
0
3
68
4
3
0
100
1yes
70
222
5
85
20
0
0
100
-7
7
8
21
1
25
4
1
1
55
-8
7
2
4
71
0no
65
153
4
81
17
0
0
89
29
6
6
19
3
53
1
1
1
60
-8
4
2
0
86
1yes
70
108
2
51
45
0
0
98
10
4
6
49
7
65
7
0
0
23
82
2
3
0
50
1yes
68
80
3
42
13
0
0
85
16
6
6
13
2
46
2
2
1
52
94
3
2
1
100
1yes
64
50
7
26
14
2
2
100
-7
6
8
15
3
43
8
0
0
64
77
3
3
1
55
1yes
88
205
15
83
14
0
0
100
-7
7
8
14
0
36
14
0
0
1
60
1
2
0
50
0no
68
195
4
67
22
1
0
87
34
6
5
23
3
52
2
3
3
74
88
3
3
2
75
1yes
79
300
23
87
29
0
0
80
12
6
6
30
0
47
-8
0
0
0
-8
0
1
0
25
0no
72
198
2
55
30
0
0
100
-7
7
8
31
3
45
0
1
1
37
87
4
4
2
67
0no
65
112
2
70
9
0
0
73
4
4
6
11
1
27
1
1
1
21
-8
3
1
0
67
1yes
67
172
6
69
36
0
0
100
-7
7
8
38
4
31
0
2
2
25
87
6
3
1
69
0no
79
247
1
101
18
1
1
90
70
6
3
20
2
20
9
0
0
28
26
4
2
0
100
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
81
142
1
59
15
0
0
100
-7
7
8
18
2
56
1
3
3
0
60
1
2
0
50
0no
70
228
2
49
11
0
0
100
-7
7
8
12
2
0
8
0
0
57
-8
9
-8
6
90
1yes
77
131
40
132
8
1
1
90
15
6
3
10
0
50
-8
0
0
3
40
1
1
0
40
0no