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
88
513
5
133
25
0
0
100
-7
7
8
25
1
16
14
0
0
2
-8
3
-8
1
25
0no
81
125
29
79
10
0
0
100
-7
7
8
10
0
30
-8
0
0
25
-8
3
1
1
80
0no
83
187
2
75
30
0
0
100
-7
7
8
32
1
45
2
1
1
5
84
1
5
0
55
0no
79
171
34
95
6
0
0
100
-7
7
8
6
0
67
6
0
0
-8
-8
-8
1
-8
100
0no
51
402
9
137
42
5
3
74
2
4
4
50
1
42
2
3
3
21
31
3
4
0
53
1yes
84
174
3
92
17
0
0
100
-7
7
8
18
1
53
0
11
10
6
-8
2
4
0
86
0no
84
433
5
136
21
0
0
100
-7
7
8
24
1
33
-8
0
0
47
87
2
3
0
50
0no
80
335
29
187
9
0
0
100
-7
7
8
11
0
11
0
4
3
51
-8
1
-8
1
20
0no
76
179
4
94
19
0
0
95
61
6
6
22
1
64
11
0
0
93
80
1
2
-8
100
0no
81
151
2
68
51
0
0
100
-7
7
8
53
4
17
3
4
3
11
-8
3
1
1
31
0no
75
199
2
69
39
0
0
98
62
6
6
43
3
14
0
3
3
10
38
6
1
1
47
0no
93
244
13
97
9
0
0
100
-7
7
8
10
0
33
3
1
1
0
99
1
2
0
75
0no
86
152
4
71
33
0
0
100
-7
7
8
33
2
33
2
5
5
11
-8
1
3
0
50
0no
67
291
10
115
24
1
0
97
12
6
5
31
1
32
0
2
1
83
-8
9
1
6
83
1yes
68
189
2
54
19
0
0
100
-7
7
8
20
3
20
1
5
5
31
33
8
2
1
77
0no
77
59
19
41
6
0
0
100
-7
7
8
6
0
50
4
2
1
0
93
0
2
-8
67
1yes
82
379
1
142
37
0
0
98
31
6
6
41
4
37
1
3
3
0
-8
4
3
0
50
0no
87
393
2
110
20
0
0
100
-7
7
8
31
1
42
10
0
0
4
-8
3
-8
0
33
0no
90
280
6
92
18
0
0
100
-7
7
8
23
3
35
1
1
1
4
86
2
1
0
38
0no
84
419
4
90
47
0
0
98
72
6
6
51
6
22
5
1
1
5
82
4
2
0
38
0no
64
222
6
95
16
1
0
82
6
4
5
17
2
47
0
1
1
36
92
5
2
1
70
1yes
64
147
1
56
19
0
0
91
3
4
6
23
3
36
1
3
3
34
-8
3
2
0
63
0no
71
281
16
89
38
0
0
97
60
6
6
39
0
5
0
2
2
18
-8
11
1
2
48
0no
61
290
9
95
39
1
1
100
-7
6
8
39
2
10
2
4
3
51
95
8
1
1
45
1yes
83
173
5
56
29
0
0
97
42
6
6
31
6
20
-8
0
0
11
-8
6
1
0
53
0no
67
125
6
57
19
2
0
81
12
6
5
22
4
19
23
1
0
16
48
3
3
0
55
0no
63
135
36
70
7
3
0
55
1
4
5
11
0
55
8
0
0
23
33
1
3
1
80
0no
73
136
6
51
15
0
0
100
-7
7
8
16
3
38
1
3
3
31
-8
3
1
1
50
0no
70
163
3
65
37
0
0
97
6
4
6
39
2
36
1
10
10
5
53
4
2
0
47
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
78
185
2
86
16
0
0
100
-7
7
8
18
2
29
2
6
6
40
-8
3
-8
1
75
0no
69
155
20
55
11
1
1
93
29
5
2
14
0
36
-8
0
0
24
49
3
3
0
86
0no
77
198
12
94
18
2
2
95
52
6
2
22
0
41
8
0
0
0
85
0
2
0
67
0no
84
149
6
72
26
0
0
100
-7
7
8
27
1
44
-8
0
0
0
57
1
3
0
80
1yes
69
464
4
107
32
0
0
100
-7
7
8
33
1
48
3
1
1
90
80
7
5
6
87
0no
83
176
13
89
25
1
0
93
34
6
5
30
0
23
3
2
2
0
-8
2
1
0
30
1yes
82
178
9
58
16
0
0
100
-7
7
8
17
1
24
2
2
2
23
87
2
2
1
67
0no
51
204
2
71
30
2
2
94
1
4
6
35
6
47
0
4
3
94
51
5
6
5
86
1yes
74
327
1
80
39
0
0
100
-7
7
8
42
7
21
1
3
3
41
68
9
3
2
71
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
75
300
2
130
27
0
0
93
78
6
6
28
1
25
0
5
5
39
97
3
4
0
64
0no
90
279
5
123
23
0
0
100
-7
7
8
26
1
42
-8
1
0
5
101
2
2
0
67
0no
89
468
11
78
10
0
0
100
-7
7
8
10
1
20
-8
0
0
4
-8
1
1
0
33
0no
69
231
21
123
7
4
4
67
6
1
2
12
0
17
-8
0
0
0
-8
1
1
0
40
1yes
88
327
4
87
36
0
0
100
-7
7
8
40
2
25
0
1
1
0
-8
0
1
0
8
0no
86
186
4
53
17
0
0
100
-7
7
8
17
4
29
0
3
3
4
-8
2
1
0
43
0no
78
164
10
82
15
0
0
100
-7
7
8
16
1
38
-8
0
0
56
69
3
2
0
83
0no
82
222
2
84
15
1
0
94
40
6
5
17
1
47
3
1
1
25
-8
1
1
0
67
0no
72
197
4
64
24
0
0
100
-7
7
8
24
2
33
4
1
1
25
83
8
3
2
65
0no
71
163
5
64
42
0
0
95
2
4
6
42
3
24
4
3
3
1
-8
4
1
0
31
0no
69
110
6
53
24
0
0
96
35
6
6
26
3
31
7
0
0
45
98
12
4
1
84
1yes
81
198
8
74
32
0
0
100
-7
6
7
33
1
64
15
0
0
17
38
3
2
0
63
0no
79
197
26
108
43
0
0
100
-7
7
8
45
0
72
0
7
7
10
15
4
3
1
80
0no
76
254
1
102
36
3
3
90
25
6
3
40
5
35
0
1
1
3
68
6
4
0
59
0no
63
190
3
71
39
0
0
97
10
4
6
39
6
28
2
1
1
55
83
5
2
2
80
0no
63
165
2
73
23
0
0
88
5
4
6
25
5
56
3
1
1
36
28
6
5
1
85
1yes
69
226
4
95
41
1
0
93
38
6
5
46
2
26
0
1
1
8
59
3
4
1
42
1yes
85
257
4
89
33
0
0
100
-7
7
8
33
1
24
2
1
1
7
-8
2
4
0
50
0no
66
214
3
125
10
1
1
54
11
4
2
13
2
23
4
2
2
14
-8
3
1
0
67
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
57
161
3
98
42
0
0
96
7
4
6
45
1
58
1
5
5
54
-8
4
-8
1
67
1yes
64
91
3
38
40
0
0
100
-7
7
8
40
3
28
0
13
13
21
61
6
4
1
42
1yes
73
452
3
87
45
0
0
96
21
6
6
47
4
30
4
6
6
5
-8
11
2
0
52
0no
79
143
17
86
15
1
0
95
80
6
5
19
0
79
-8
1
0
19
80
3
4
0
88
0no
83
174
6
78
17
0
0
100
-7
7
8
17
1
29
4
1
1
26
-8
5
1
0
75
0no
86
137
2
75
24
0
0
100
-7
7
8
25
2
36
0
3
3
7
73
2
2
0
50
0no
81
189
11
96
21
1
1
96
77
6
3
24
1
8
21
0
0
0
-8
0
1
0
33
0no
85
306
8
99
24
0
0
100
-7
7
8
24
2
25
7
1
0
0
94
0
2
0
20
0no
88
190
6
65
20
0
0
100
-7
7
8
21
1
14
5
1
1
0
50
4
2
0
46
0no
84
178
3
65
30
0
0
100
-7
7
8
36
5
47
6
0
0
12
-8
3
1
0
44
0no
72
11
11
11
1
0
0
100
-7
7
8
1
1
0
0
2
2
14
-8
1
-8
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
88
280
5
127
37
0
0
100
-7
7
8
39
2
34
3
2
1
6
94
2
3
0
38
0no
88
190
2
60
16
0
0
100
-7
7
8
17
3
41
6
0
0
6
76
1
2
0
33
0no
80
245
3
88
44
0
0
98
58
6
6
45
2
27
5
0
0
21
81
4
3
0
100
0no
65
53
2
28
13
0
0
100
-7
7
8
14
2
21
0
2
2
64
62
5
2
2
58
1yes
74
35
2
14
5
0
0
100
-7
7
8
6
3
50
1
2
2
5
78
1
3
0
67
0no
76
111
15
63
9
0
0
100
-7
7
8
9
0
56
-8
0
0
92
82
2
2
2
100
0no
74
142
2
60
44
2
2
98
18
6
6
47
4
28
5
0
0
0
90
3
5
1
40
0no
87
308
3
90
27
0
0
97
-7
6
7
30
1
40
-8
0
0
19
62
5
3
0
67
0no
89
190
17
88
21
0
0
100
-7
7
8
21
0
19
0
1
1
14
-8
3
1
0
50
0no
86
167
8
79
25
0
0
100
-7
7
8
27
2
37
14
0
0
5
61
3
1
0
67
0no
65
252
3
96
34
2
0
89
8
3
5
36
1
28
1
6
6
48
-8
4
-8
2
40
0no
84
146
11
49
14
0
0
100
-7
7
8
14
1
21
4
1
1
1
-8
2
1
0
50
0no
63
250
27
76
12
0
0
75
1
4
6
14
0
17
0
2
2
36
11
5
1
0
75
1yes
87
152
17
83
21
0
0
100
-7
7
8
21
0
62
16
0
0
4
78
2
2
0
67
0no
83
348
2
100
61
0
0
98
24
6
6
67
4
35
1
1
1
6
62
7
4
0
52
0no
86
159
3
98
28
0
0
100
-7
7
8
28
1
36
0
4
4
28
-8
1
2
0
75
0no
78
251
7
107
25
0
0
100
-7
7
8
27
2
33
7
0
0
36
92
4
2
2
75
0no
84
196
3
74
17
0
0
94
36
6
6
17
1
53
1
3
3
0
74
0
3
0
50
0no
73
158
7
62
17
1
1
89
13
6
2
19
1
37
20
0
0
19
47
1
3
0
80
1yes
72
428
18
102
26
0
0
96
14
6
6
26
0
19
17
0
0
22
53
2
3
2
33
0no
83
262
3
115
19
0
0
100
-7
7
8
20
1
45
2
3
3
31
66
2
3
0
56
0no
73
253
50
149
5
1
1
100
-7
6
8
6
0
33
-8
0
0
16
-8
2
-8
0
100
0no
88
450
33
169
14
0
0
100
-7
7
8
14
0
14
-8
0
0
0
-8
2
-8
0
50
0no
61
250
4
66
47
1
1
100
-7
6
8
49
2
39
0
2
2
73
61
14
4
5
90
1yes
90
330
29
117
20
0
0
100
-7
7
8
20
0
20
-8
0
0
1
-8
1
1
0
22
0no
82
374
4
100
26
0
0
100
-7
7
8
27
3
22
3
2
2
28
94
3
4
2
50
0no
63
163
6
68
35
1
0
86
0
3
5
37
2
27
2
1
1
18
80
6
2
1
64
1yes
63
240
4
64
20
1
0
86
45
6
5
21
2
10
4
1
1
67
-8
6
1
3
70
1yes