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
61
109
4
48
11
0
0
92
5
4
6
13
2
62
0
5
5
64
82
2
2
1
80
1yes
84
401
4
76
31
0
0
100
-7
7
8
31
2
19
0
0
0
18
-8
5
1
0
38
0no
69
214
3
101
16
0
0
95
2
4
6
19
1
32
0
2
2
53
58
4
3
1
78
0no
79
305
1
108
25
0
0
93
39
6
6
29
2
31
0
2
2
22
82
2
4
0
70
0no
60
110
6
64
10
2
2
45
59
6
4
12
2
64
0
4
3
28
-8
1
1
0
67
1yes
80
181
9
53
13
0
0
100
-7
7
8
13
1
62
0
0
0
44
92
2
3
0
83
1yes
73
211
11
108
26
0
0
97
8
4
6
29
1
14
0
0
0
15
-8
6
1
0
47
1yes
66
246
5
86
26
6
4
79
59
6
5
28
2
61
0
0
0
28
67
3
4
1
78
1yes
74
138
6
45
5
0
0
100
-7
7
8
5
2
40
0
0
0
74
89
1
1
1
50
1yes
72
130
8
55
30
0
0
100
-7
6
8
32
4
53
0
2
2
39
82
4
7
0
79
0no
69
176
8
73
31
0
0
97
-8
6
6
32
4
38
0
0
0
72
96
6
3
4
75
1yes
61
187
2
85
28
0
0
97
6
4
6
29
2
41
0
0
0
86
43
9
4
3
93
1yes
56
129
6
49
14
3
1
55
7
4
3
22
2
59
0
0
0
100
83
3
8
1
85
1yes
62
113
30
70
10
3
2
71
19
6
4
15
0
93
0
3
3
0
-8
0
1
0
50
1yes
66
125
5
51
27
1
1
97
14
6
6
30
4
63
0
0
0
33
98
4
2
0
75
1yes
72
198
13
91
16
0
0
94
53
6
6
18
0
39
0
1
1
88
86
5
2
2
100
1yes
82
129
5
58
13
0
0
100
-7
7
8
14
3
57
0
1
1
32
75
3
4
-8
88
1yes
57
158
4
77
38
0
0
85
2
4
6
39
1
51
0
3
3
44
49
13
6
2
90
1yes
64
65
5
40
14
1
1
93
55
6
2
15
1
20
0
3
2
92
9
9
2
2
100
1yes
61
128
6
76
12
3
2
67
29
5
3
18
1
56
0
0
0
99
43
3
4
-8
100
1yes
56
66
2
25
13
2
2
93
52
6
4
16
6
40
0
2
2
80
95
8
5
2
100
1yes
-9
297
6
93
18
0
0
95
16
6
6
20
2
55
0
0
0
10
96
1
1
0
33
0no
56
145
3
45
23
1
1
92
3
2
4
24
6
17
0
0
0
13
-8
10
2
2
75
1yes
66
210
5
74
31
1
1
97
-8
6
6
34
3
67
0
1
1
30
90
3
2
0
56
1yes
72
216
2
79
23
1
1
85
40
6
2
27
4
41
0
0
0
47
-8
3
2
1
56
1yes
72
170
2
55
54
0
0
98
-7
5
7
62
8
55
0
2
2
54
91
6
7
1
64
1yes
70
178
10
64
28
0
0
100
-7
7
8
28
1
50
0
0
0
69
81
7
3
4
65
0no
61
194
3
84
36
0
0
97
68
6
6
39
2
31
0
1
1
77
100
7
2
4
75
1yes
67
134
13
61
17
0
0
94
20
6
6
17
0
35
0
1
1
22
70
4
5
2
82
1yes
61
204
13
70
34
0
0
94
4
4
6
34
0
26
0
0
0
75
81
7
5
2
86
0no
84
255
29
104
13
0
0
100
-7
7
8
15
0
53
0
0
0
21
-8
1
1
-8
67
0no
73
185
3
65
27
0
0
100
-7
7
8
27
4
48
0
5
5
46
26
5
4
1
69
0no
66
151
17
87
9
5
0
64
17
6
5
14
0
57
0
2
2
80
-8
1
1
1
67
1yes
65
243
2
77
26
1
0
90
7
4
5
30
3
57
0
6
6
72
100
2
4
-8
86
1yes
88
160
5
74
10
0
0
100
-7
7
8
10
1
50
0
1
1
0
84
1
2
0
50
0no
69
159
12
57
18
0
0
95
32
6
6
20
0
20
0
0
0
83
-8
5
1
2
75
1yes
57
131
28
81
6
3
3
64
7
0
2
11
0
55
0
0
0
-8
-8
-8
-8
-8
-8
0no
67
82
5
44
14
2
2
100
-7
6
8
16
2
36
0
0
0
16
33
4
2
1
75
1yes
89
306
14
115
20
0
0
100
-7
7
8
24
0
17
0
0
0
10
-8
3
1
0
50
1yes
84
341
11
100
11
0
0
100
-7
7
8
11
1
36
0
2
2
23
83
3
2
0
83
1yes
79
196
13
80
25
0
0
100
-7
7
8
26
0
38
0
2
2
25
93
4
2
1
60
1yes
81
257
4
78
25
0
0
92
-8
6
6
25
3
40
0
0
0
12
96
3
2
0
56
0no
81
163
19
92
16
0
0
100
-7
7
8
16
0
50
0
0
0
16
58
1
2
0
38
0no
92
398
76
233
5
0
0
100
-7
7
8
5
0
0
0
0
0
0
-8
0
-8
-8
0
0no
62
88
1
35
20
0
0
95
-8
5
6
22
7
50
0
4
3
30
70
6
5
0
92
1yes
62
195
8
56
26
2
0
86
26
5
5
29
1
45
0
3
2
87
59
10
8
2
100
1yes
74
211
8
85
43
1
0
93
8
4
5
45
1
44
0
2
2
3
80
4
2
0
60
1yes
58
410
6
102
45
0
0
85
3
4
6
46
3
24
0
1
0
65
77
14
3
5
75
1yes
85
146
1
64
42
0
0
100
-7
5
8
43
7
30
0
1
1
5
90
3
4
0
35
0no
62
208
4
118
16
1
0
89
1
4
5
18
2
33
0
1
1
69
66
6
4
3
100
0no
65
138
5
68
35
0
0
97
-7
5
7
36
2
53
0
0
0
76
78
12
4
2
100
1yes
67
153
9
72
58
0
0
100
-7
7
8
59
1
22
0
3
3
82
91
15
5
11
87
0no
61
66
5
39
16
1
1
90
23
5
6
21
1
75
0
1
1
101
79
3
4
1
100
1yes
70
182
29
94
25
0
0
96
20
6
6
25
0
24
0
1
1
33
6
3
2
1
36
1yes
68
368
4
111
47
0
0
100
-7
7
8
49
2
27
0
1
1
78
61
21
2
9
80
1yes
74
41
6
20
9
0
0
100
-7
7
8
9
3
11
0
1
1
18
81
4
1
0
63
1yes
78
150
6
63
37
0
0
100
-7
7
8
40
1
18
0
0
0
3
63
2
2
0
50
0no
63
42
2
17
13
2
2
93
-7
5
7
16
4
43
0
1
1
52
82
6
4
1
91
1yes
74
319
3
54
32
0
0
100
-7
7
8
32
4
31
0
4
4
69
33
6
3
2
90
1yes
91
240
22
118
8
0
0
100
-7
7
8
8
0
0
0
0
0
5
-8
3
-8
0
50
0no
64
175
6
97
29
9
9
63
2
4
4
41
1
63
0
1
1
16
94
1
1
-8
50
1yes
56
64
18
48
2
1
1
75
8
0
6
5
0
100
0
0
0
-8
-8
-8
1
-8
100
1yes
82
73
12
57
8
0
0
100
-7
7
8
8
0
25
0
1
1
4
-8
2
1
1
60
0no
73
206
7
97
28
0
0
97
23
6
6
31
1
35
0
0
0
34
56
4
3
0
73
0no
85
259
12
72
32
0
0
100
-7
7
8
34
0
41
0
1
1
4
-8
3
1
0
67
0no
65
169
12
73
53
1
1
100
-7
6
8
56
0
63
0
1
1
40
51
5
7
1
80
1yes
80
152
4
73
28
0
0
100
-7
7
8
29
2
24
0
4
4
2
-8
6
1
0
58
1yes
66
204
25
94
6
1
1
86
-8
6
6
8
0
86
0
0
0
24
-8
1
1
-8
100
1yes
65
212
8
60
19
0
0
96
4
4
6
25
4
60
0
0
0
77
71
5
6
2
92
1yes
80
179
3
76
40
0
0
100
-7
7
8
41
4
24
0
0
0
22
24
7
2
2
60
0no
77
112
15
67
12
0
0
100
-7
7
8
13
0
8
0
0
0
50
-8
2
1
2
38
1yes
52
158
4
39
25
0
0
88
11
4
6
26
9
50
0
7
6
82
89
7
4
2
92
1yes
79
210
5
88
38
0
0
100
-7
7
8
42
3
45
0
1
1
55
-8
3
2
1
71
1yes
84
427
20
118
15
0
0
100
-7
7
8
17
0
12
0
0
0
19
-8
3
-8
0
43
0no
84
137
3
87
22
0
0
95
-8
6
6
22
1
41
0
0
0
8
-8
2
1
0
43
0no
79
196
5
97
28
0
0
100
-7
7
8
29
2
48
0
0
0
40
-8
4
1
1
83
1yes
57
214
6
100
53
0
0
83
1
4
6
54
2
30
0
2
2
60
70
14
5
3
91
1yes
65
145
8
74
11
2
2
100
-7
6
8
13
1
83
0
2
2
-8
66
-8
2
-8
100
1yes
65
266
2
96
25
3
3
89
10
4
6
31
4
57
0
0
0
27
95
8
4
1
87
1yes
62
163
11
53
22
0
0
87
23
6
6
23
1
39
0
0
0
68
92
6
2
3
89
1yes
67
74
20
47
15
0
0
100
-7
5
8
15
0
33
0
4
4
68
50
5
2
1
100
1yes
85
288
6
100
25
0
0
100
-7
7
8
25
2
24
0
0
0
10
57
3
2
0
50
0no
72
132
4
78
15
1
1
88
46
6
3
16
1
44
0
2
2
80
-8
2
1
1
60
0no
55
153
2
97
26
0
0
78
14
6
6
27
2
33
0
2
2
84
30
8
3
5
86
1yes
84
192
3
71
20
1
0
95
47
6
5
21
1
57
0
0
0
11
54
3
3
0
86
0no
66
342
6
97
15
7
7
88
37
0
6
17
1
71
0
0
0
50
-8
3
1
1
100
1yes
80
255
17
111
12
0
0
92
-8
6
6
12
0
0
0
1
1
13
-8
2
-8
0
50
1yes
68
222
6
103
16
1
0
84
20
5
5
19
2
32
0
0
0
59
-8
5
-8
3
63
1yes
58
91
4
41
31
0
0
100
-7
7
8
32
5
56
0
1
1
71
90
13
4
4
100
1yes
54
73
20
45
13
2
2
50
5
1
3
15
0
43
0
0
0
33
33
3
3
0
86
0no
81
119
8
54
22
0
0
100
-7
7
8
25
3
36
0
3
3
28
92
2
2
0
67
1yes
79
135
3
59
29
0
0
100
-7
7
8
31
3
45
0
1
1
2
51
2
4
1
60
0no
74
340
11
74
21
0
0
95
20
6
6
21
1
29
0
1
1
33
81
7
2
1
69
1yes
66
188
8
70
22
1
1
92
8
4
4
25
1
52
0
0
0
76
73
5
4
4
90
1yes
56
447
3
145
14
2
2
78
1
4
2
18
1
22
0
1
1
32
-8
3
-8
1
43
0no
74
247
9
107
46
0
0
100
-7
7
8
47
2
38
0
1
1
38
88
11
1
2
87
1yes
78
152
9
56
14
0
0
87
-8
6
6
15
1
40
0
0
0
3
54
2
5
0
64
1yes
89
255
32
106
9
0
0
100
-7
7
8
9
0
22
0
1
1
2
-8
2
1
-8
100
0no
68
272
4
89
31
0
0
100
-7
7
8
33
2
27
0
0
0
90
90
8
4
4
86
0no
64
87
5
31
14
0
0
100
-7
7
8
14
6
29
0
1
1
64
-8
7
1
0
100
1yes