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
79
87
1
50
10
0
0
100
-7
7
8
11
1
82
3
1
1
-8
30
1
3
-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
1yes
67
77
12
36
14
0
0
100
-7
7
8
14
0
14
1
1
1
53
-8
6
1
2
78
1yes
84
165
36
88
12
0
0
100
-7
7
8
12
0
50
-8
0
0
18
-8
1
1
0
67
0no
66
221
2
57
33
0
0
100
-7
7
8
37
7
44
1
4
4
33
86
10
3
0
70
0no
84
213
9
76
17
0
0
100
-7
7
8
17
1
18
16
0
0
35
53
2
2
0
57
0no
85
142
75
106
4
0
0
100
-7
7
8
4
0
0
-8
0
0
37
-8
4
-8
0
100
0no
57
117
3
36
10
0
0
70
3
4
6
10
2
50
1
1
1
98
69
2
3
1
83
1yes
76
288
1
85
32
0
0
100
-7
7
8
33
3
6
5
1
1
22
74
20
1
0
81
1yes
87
384
1
82
17
0
0
100
-7
7
8
20
2
17
11
0
0
1
53
2
1
0
38
0no
65
162
9
65
28
0
0
100
-7
7
8
28
1
50
1
1
1
83
82
2
3
2
86
1yes
68
305
7
85
32
0
0
94
47
5
6
34
2
38
0
1
1
42
61
4
4
2
67
0no
71
182
20
76
13
1
1
85
16
6
6
14
0
31
19
0
0
35
-8
2
1
1
50
1yes
67
124
4
36
12
2
2
92
42
6
6
12
3
75
22
0
0
99
91
1
3
1
100
1yes
77
119
4
52
30
0
0
100
-7
7
8
34
4
73
6
0
0
26
86
4
8
0
92
0no
89
364
35
165
14
0
0
100
-7
7
8
14
0
36
3
1
1
6
48
2
3
0
67
0no
65
293
1
84
29
1
1
94
2
6
6
32
3
26
1
3
3
24
-8
6
1
2
58
1yes
70
150
22
91
20
1
1
81
7
4
6
22
0
18
1
1
1
15
-8
2
1
0
38
1yes
89
324
10
95
18
0
0
100
-7
7
8
18
1
17
14
0
0
2
78
3
2
0
83
0no
58
334
4
99
34
0
0
68
13
6
6
37
2
54
2
4
4
68
32
3
4
1
58
1yes
69
100
8
43
12
0
0
100
-7
7
8
13
3
33
0
2
2
47
92
4
2
2
86
1yes
91
262
19
101
9
0
0
100
-7
7
8
9
0
0
19
0
0
8
-8
2
-8
0
50
0no
74
176
9
64
22
0
0
100
-7
7
8
23
1
32
1
1
1
23
91
6
5
1
61
1yes
79
130
5
71
31
0
0
100
-7
7
8
32
2
55
0
2
2
32
88
2
7
0
75
1yes
72
298
1
84
22
0
0
96
34
6
6
25
2
20
1
1
1
33
-8
4
-8
2
57
0no
66
182
5
69
20
0
0
100
-7
7
8
20
2
25
3
1
1
55
96
8
2
3
91
0no
65
145
1
47
21
0
0
96
8
4
6
23
4
52
3
3
3
60
68
7
3
1
91
1yes
63
119
4
48
23
0
0
96
45
6
6
26
1
62
0
1
1
99
-8
2
-8
2
100
1yes
77
290
7
122
19
0
0
100
-7
7
8
19
1
42
1
1
1
29
83
3
4
0
80
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
71
206
6
75
11
0
0
91
4
4
6
11
3
45
4
1
1
71
-8
1
1
0
67
0no
62
354
1
45
23
0
0
100
-7
7
8
29
9
21
1
5
5
48
94
10
3
2
65
1yes
64
320
25
121
33
0
0
88
18
6
6
34
0
27
14
0
0
52
47
12
4
3
76
0no
70
316
2
104
37
0
0
100
-7
7
8
38
4
5
2
3
2
43
99
8
2
2
56
0no
75
40
3
12
6
0
0
100
-7
7
8
6
4
67
6
0
0
24
89
1
2
-8
100
1yes
64
286
1
72
35
0
0
100
-7
7
8
36
4
39
3
3
3
73
79
10
5
3
80
1yes
60
215
12
110
15
0
0
73
13
6
6
15
0
7
11
0
0
75
-8
5
-8
4
64
1yes
68
162
13
73
22
1
1
86
5
4
6
22
0
23
5
2
2
4
-8
5
-8
0
42
0no
86
241
4
79
25
0
0
100
-7
7
8
25
2
16
0
2
2
2
-8
2
-8
0
22
0no
80
172
1
92
21
0
0
100
-7
7
8
22
2
27
0
1
1
37
-8
4
1
1
83
0no
70
210
9
65
10
2
2
90
17
6
6
10
1
40
-8
0
0
40
48
3
3
1
86
0no
65
300
14
112
8
3
2
64
21
6
2
11
0
45
-8
0
0
12
76
2
2
0
57
0no
64
218
5
86
33
0
0
82
28
6
6
34
2
38
1
1
1
45
90
6
2
1
73
0no
57
35
7
16
10
0
0
100
-7
7
8
10
4
30
0
2
2
81
85
6
2
2
89
1yes
69
198
12
100
18
0
0
89
18
6
6
18
0
61
0
1
1
54
89
4
2
1
100
1yes
70
23
1
11
12
0
0
100
-7
7
8
13
8
8
0
1
1
17
89
4
1
1
56
1yes
75
274
3
44
22
0
0
95
26
6
6
22
5
32
0
5
4
1
-8
2
3
0
45
0no
82
93
2
49
22
0
0
100
-7
7
8
23
1
30
1
2
2
0
99
0
3
-8
38
0no
81
274
1
87
36
0
0
100
-7
7
8
37
2
27
0
3
3
3
87
2
4
0
43
0no
60
383
1
57
26
0
0
96
62
6
6
29
6
25
1
2
2
48
99
8
2
3
91
1yes
68
237
24
117
21
0
0
90
5
4
6
23
0
14
1
1
1
13
100
10
2
0
75
0no
73
115
3
55
40
0
0
100
-7
7
8
40
6
58
7
0
0
58
79
4
4
1
82
1yes
79
120
2
46
22
0
0
100
-7
7
8
23
5
22
2
3
3
6
90
1
2
0
50
0no
72
269
2
86
25
0
0
85
0
4
6
26
1
12
0
2
2
1
-8
3
1
0
29
0no
86
310
10
123
22
0
0
100
-7
7
8
22
1
32
0
2
2
3
-8
1
2
0
43
1yes
82
298
19
111
24
0
0
100
-7
7
8
24
0
38
19
0
0
25
22
3
2
0
63
0no
78
230
8
99
32
1
0
85
24
6
5
33
1
18
16
0
0
8
88
2
1
0
25
0no
73
190
9
71
22
0
0
100
-7
7
8
23
1
18
1
2
2
39
97
4
2
1
75
1yes
61
161
23
80
6
1
1
43
12
6
6
7
0
43
2
2
2
15
-8
1
1
0
50
1yes
67
419
1
73
37
0
0
92
13
6
6
44
6
33
3
1
1
12
91
8
3
0
69
0no
77
375
4
162
22
0
0
100
-7
7
8
22
1
36
-8
0
0
30
68
3
3
1
67
0no
72
77
5
51
8
0
0
100
-7
7
8
9
1
63
7
0
0
89
-8
1
1
-8
100
1yes
74
502
25
191
13
1
0
93
25
6
5
14
0
0
-8
0
0
51
-8
3
-8
1
33
0no
91
447
24
110
27
0
0
100
-7
7
8
27
0
15
22
0
0
2
-8
3
1
0
33
1yes
75
198
6
97
21
0
0
100
-7
7
8
21
2
29
0
2
2
36
-8
5
2
1
100
0no
64
232
4
91
36
3
2
93
22
6
3
40
6
60
0
2
2
55
92
8
4
3
100
1yes
71
235
4
71
32
1
1
94
83
5
2
33
6
27
0
0
0
49
92
9
3
1
80
0no
70
224
21
68
21
0
0
90
23
6
6
21
0
38
0
3
3
23
44
1
1
0
29
1yes
54
238
9
100
16
0
0
61
1
4
6
18
1
39
0
0
0
90
81
5
3
4
67
1yes
66
182
5
98
10
1
1
100
-7
0
8
12
1
45
0
0
0
12
80
1
2
0
60
0no
88
278
91
179
4
0
0
100
-7
7
8
5
0
40
0
0
0
6
-8
1
1
-8
100
0no
70
132
1
47
33
1
0
97
19
6
5
37
2
16
0
1
1
20
-8
11
-8
2
52
0no
90
179
13
86
12
0
0
100
-7
7
8
12
0
25
0
4
4
0
-8
2
1
0
50
0no
69
202
24
81
13
1
0
67
13
6
5
15
0
20
0
1
1
44
-8
3
1
1
50
1yes
75
415
20
75
22
1
1
83
9
4
4
23
0
22
0
3
3
2
23
2
1
0
33
1yes
81
276
1
57
35
0
0
97
77
6
6
37
6
30
0
2
2
12
67
5
3
0
38
1yes
78
219
2
92
17
0
0
100
-7
7
8
20
2
50
0
4
4
79
54
1
3
1
67
1yes
80
74
12
39
7
0
0
100
-7
7
8
7
0
71
0
3
3
1
84
1
4
0
83
1yes
80
108
6
48
18
0
0
100
-7
7
8
20
4
60
0
0
0
9
50
1
4
0
71
1yes
68
320
8
95
14
7
4
50
29
6
2
20
1
40
0
1
1
0
92
1
2
-8
75
1yes
58
168
3
112
14
4
0
74
4
3
5
19
1
26
0
1
1
104
-8
2
1
1
100
1yes
67
88
3
38
19
0
0
95
44
7
6
21
4
33
0
3
3
36
78
3
2
1
50
0no
72
79
2
26
13
0
0
100
-7
7
8
15
2
27
0
1
1
28
65
6
3
1
69
1yes
55
18
1
8
4
0
0
100
-7
7
8
5
4
40
0
4
4
93
89
3
2
-8
100
1yes
62
331
3
70
14
0
0
94
-7
5
7
18
7
50
0
5
5
90
100
7
2
4
100
1yes
61
272
1
70
8
1
1
78
20
5
6
10
4
22
0
9
9
22
65
3
2
0
63
1yes
68
174
7
85
22
2
1
84
25
6
4
25
2
60
0
0
0
76
-8
2
1
1
75
0no
84
128
3
48
23
0
0
100
-7
7
8
23
3
30
0
1
1
14
99
4
3
0
64
0no
63
158
1
34
9
1
1
91
-8
6
6
11
3
55
0
2
2
81
94
3
3
1
86
1yes
79
206
9
50
21
0
0
90
14
6
6
21
2
29
0
1
1
13
-8
4
1
0
63
1yes
58
109
9
62
15
0
0
93
4
4
6
15
1
27
0
1
1
73
47
5
3
2
80
1yes
57
61
5
30
9
0
0
89
23
6
6
9
1
67
0
2
2
98
89
3
1
2
100
1yes
73
339
7
142
34
0
0
83
11
4
6
36
3
36
0
6
4
7
-8
3
5
0
47
1yes
73
278
1
87
21
2
2
96
61
6
6
25
5
36
0
2
2
23
85
3
3
1
55
1yes
82
271
2
88
31
0
0
97
12
6
6
34
4
18
0
1
1
16
-8
5
1
0
55
0no
68
224
2
70
23
0
0
96
1
4
6
25
3
52
0
3
3
44
74
5
3
1
67
1yes
63
175
7
62
13
1
1
71
16
6
6
14
2
64
0
6
6
50
100
5
3
0
100
1yes
72
233
6
98
36
0
0
100
-7
7
8
38
2
34
0
1
1
63
-8
5
1
2
55
0no
69
198
8
76
24
1
1
93
11
1
3
27
1
63
0
0
0
48
67
1
3
-8
80
1yes
57
66
5
36
19
0
0
95
-8
5
6
19
2
63
0
1
1
92
61
5
3
2
100
1yes