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
73
186
6
73
22
0
0
91
33
6
6
22
2
45
0
0
0
101
93
2
2
1
100
1yes
74
295
8
91
23
0
0
79
22
6
6
24
4
29
0
0
0
17
73
4
2
0
75
0no
67
65
1
16
9
0
0
100
-7
7
8
10
6
60
0
0
0
55
75
4
4
1
100
1yes
70
188
1
59
45
0
0
100
-7
7
8
50
6
24
0
6
6
29
45
5
3
1
43
0no
66
286
8
122
40
0
0
89
38
6
6
44
1
57
0
0
0
100
32
2
3
1
100
0no
84
223
1
75
18
0
0
100
-7
7
8
20
2
40
0
0
0
10
-8
4
1
1
71
0no
85
273
4
109
29
0
0
100
-7
7
8
29
2
17
0
0
0
1
-8
4
1
0
43
0no
84
243
1
94
28
0
0
97
-8
6
6
32
2
50
0
1
1
6
63
2
2
0
33
1yes
69
225
12
103
20
0
0
85
10
4
6
20
0
25
0
0
0
28
47
7
2
0
90
0no
58
191
6
92
51
0
0
87
9
4
6
53
1
26
0
3
3
60
58
14
2
3
85
1yes
79
169
6
70
44
0
0
100
-7
6
8
44
4
23
0
0
0
9
93
3
2
0
42
0no
79
256
17
117
5
0
0
50
17
6
6
6
0
0
0
2
1
0
-8
1
-8
0
33
1yes
88
308
17
147
27
0
0
96
-7
5
7
27
0
52
0
0
0
3
55
5
2
0
78
0no
64
111
3
35
15
2
2
100
-7
7
8
17
2
33
0
1
1
70
97
4
3
0
78
1yes
70
335
3
105
35
2
2
87
34
6
4
39
5
33
0
2
2
27
6
10
3
1
88
0no
60
100
6
57
36
0
0
92
1
4
6
36
2
61
0
1
1
50
75
6
3
1
90
1yes
75
244
3
91
24
0
0
100
-7
7
8
24
2
38
0
2
2
57
-8
6
1
2
78
1yes
88
236
8
91
9
0
0
100
-7
7
8
10
2
40
0
0
0
0
-8
0
2
-8
33
0no
77
192
5
83
22
0
0
96
50
6
6
23
1
39
0
2
2
29
37
4
3
1
54
1yes
61
138
8
57
23
0
0
88
46
5
6
24
2
58
0
0
0
80
79
3
4
1
88
1yes
76
82
4
38
15
0
0
94
-8
6
6
16
3
31
0
1
1
13
95
2
2
1
36
1yes
80
331
13
164
15
0
0
100
-7
7
8
15
0
33
0
0
0
34
72
4
2
0
75
0no
67
107
5
45
13
2
0
76
23
6
5
17
1
82
0
3
3
-8
77
-8
2
-8
100
1yes
65
130
6
68
25
3
2
89
29
5
4
29
1
43
0
1
1
46
56
8
3
2
85
0no
74
158
3
65
24
0
0
96
-8
6
6
25
2
40
0
0
0
48
81
7
6
1
81
1yes
86
377
22
143
11
0
0
100
-7
7
8
11
0
0
0
0
0
21
-8
3
-8
0
100
0no
71
308
7
104
39
0
0
98
73
6
6
40
3
30
0
0
0
75
99
11
1
5
81
0no
74
297
6
140
24
2
1
89
72
6
2
28
2
21
0
0
0
42
-8
9
-8
2
69
1yes
61
316
1
87
38
0
0
93
2
4
6
40
3
58
0
2
2
78
71
5
6
4
73
1yes
64
139
22
109
3
2
1
80
7
3
5
5
0
60
0
2
2
-8
-8
-8
1
-8
100
1yes
66
139
2
75
15
0
0
94
64
5
6
18
1
33
0
1
1
69
-8
8
1
1
100
1yes
77
272
9
121
20
0
0
100
-7
6
8
20
1
25
0
0
0
42
88
8
2
1
77
0no
90
200
5
97
16
0
0
100
-7
7
8
17
2
41
0
1
1
2
5
2
3
0
71
0no
71
270
10
101
11
4
4
92
40
6
6
12
1
58
0
3
3
0
90
0
3
0
75
1yes
78
146
23
81
14
0
0
100
-7
7
8
14
0
36
0
1
1
20
-8
2
1
0
60
0no
74
196
0
83
29
0
0
94
20
5
6
32
1
41
0
1
1
53
93
2
1
1
50
1yes
80
138
1
52
11
0
0
100
-7
7
8
12
2
25
0
2
2
32
87
1
2
-8
75
0no
74
124
11
80
36
4
2
91
23
6
3
45
1
69
0
0
0
7
66
3
9
0
75
1yes
68
122
13
63
20
0
0
91
2
4
6
23
0
65
0
1
1
0
49
0
6
-8
86
1yes
80
178
4
65
36
0
0
100
-7
7
8
38
3
42
0
0
0
34
-8
4
2
0
86
0no
66
313
10
146
11
16
16
82
62
0
6
12
1
45
0
3
3
6
95
1
1
0
67
1yes
61
118
19
63
26
1
0
78
14
5
5
27
0
41
0
3
3
65
67
3
4
1
88
1yes
55
127
9
60
28
2
0
80
7
3
5
30
2
47
0
0
0
69
142
7
9
1
89
1yes
89
460
4
119
11
0
0
100
-7
7
8
11
3
36
0
2
2
5
-8
1
1
-8
67
0no
87
222
8
111
28
0
0
97
-8
6
6
33
1
24
0
0
0
0
13
2
2
0
27
0no
74
172
0
82
14
0
0
81
5
4
6
16
2
38
0
2
2
3
-8
2
1
0
43
1yes
82
238
6
95
52
0
0
94
13
6
6
53
2
49
0
0
0
0
69
2
3
0
38
0no
57
423
12
197
8
1
1
89
2
2
4
9
0
22
0
0
0
72
-8
4
-8
1
80
1yes
71
114
11
80
12
0
0
92
-8
6
6
12
1
33
0
0
0
42
84
3
2
1
71
0no
63
31
6
17
7
2
2
100
-7
7
8
9
3
14
0
0
0
51
-8
4
1
1
100
1yes
72
179
10
100
27
0
0
96
74
6
6
28
1
32
0
0
0
70
-8
4
1
1
86
0no
81
144
5
61
18
0
0
100
-7
7
8
20
4
25
0
1
0
42
-8
3
-8
0
60
0no
61
122
3
53
39
0
0
95
1
4
6
43
4
65
0
3
3
53
82
5
7
1
81
0no
61
244
19
86
7
2
2
50
11
4
3
10
0
70
0
1
1
95
54
1
3
1
100
1yes
79
199
7
72
13
0
0
100
-7
7
8
14
1
14
0
0
0
15
-8
4
1
1
63
1yes
78
110
6
54
26
0
0
100
-7
7
8
27
2
52
0
3
3
0
89
2
4
0
50
1yes
55
289
2
85
20
1
1
78
3
4
6
24
2
30
0
2
2
36
13
7
3
1
77
0no
74
371
6
79
40
0
0
100
-7
7
8
43
4
23
0
0
0
28
13
6
2
2
47
0no
70
234
10
93
27
0
0
89
12
6
6
27
1
44
0
2
2
51
100
5
2
2
70
0no
42
174
1
66
44
11
8
70
3
0
2
57
5
66
0
7
6
23
68
2
5
0
64
0no
69
198
1
84
17
1
1
89
13
6
6
20
3
55
0
2
2
16
95
2
3
1
63
1yes
66
93
1
49
24
1
1
81
38
6
2
27
4
19
0
0
0
47
57
3
3
1
64
0no
73
73
2
29
17
0
0
100
-7
7
8
20
6
55
0
7
7
21
81
1
5
0
55
1yes
71
157
7
78
13
1
1
100
-7
6
8
14
1
43
0
0
0
52
68
2
3
0
83
0no
67
117
3
47
13
1
0
86
17
6
5
14
3
36
0
2
2
29
-8
3
1
0
67
1yes
61
197
40
81
21
2
2
79
9
4
6
24
0
46
0
1
1
80
24
4
2
2
78
1yes
72
51
18
35
2
0
0
100
-7
7
8
2
0
100
0
0
0
-8
-8
-8
1
-8
100
1yes
84
126
7
66
49
0
0
100
-7
7
8
49
1
57
0
0
0
0
82
1
4
0
56
0no
72
104
11
53
11
0
0
92
5
4
6
13
1
38
0
1
1
38
83
1
3
0
80
0no
57
234
31
106
40
0
0
98
6
4
6
41
0
24
-7
3
3
69
30
16
2
7
95
1yes
63
212
3
62
16
2
0
72
12
6
5
20
1
44
-7
2
2
66
89
3
5
2
73
1yes
65
204
3
115
24
2
2
100
-7
6
8
26
2
84
-7
0
0
97
90
3
4
1
100
0no
56
177
13
92
32
0
0
81
7
4
6
37
0
49
-7
1
1
77
60
7
3
2
71
1yes
72
169
6
86
17
0
0
100
-7
7
8
17
2
29
-7
1
1
75
-8
4
1
2
83
1yes
54
123
4
58
36
1
0
92
6
4
5
40
4
56
-7
1
1
50
98
4
4
1
73
0no
74
197
2
81
21
1
1
96
67
6
6
24
2
46
-7
2
2
11
-8
4
3
1
80
1yes
60
198
19
57
19
0
0
90
6
4
6
21
0
62
-7
0
0
71
71
6
3
1
100
1yes
74
101
4
59
13
0
0
100
-7
7
8
14
1
50
-7
2
2
47
57
2
3
1
100
1yes
66
87
6
51
31
0
0
100
-7
5
7
31
4
32
-7
0
0
49
91
8
3
1
79
1yes
61
344
2
87
21
1
1
86
2
4
6
22
5
45
-7
4
4
39
77
2
6
1
67
1yes
64
79
3
38
16
0
0
100
-7
7
8
18
5
29
-7
8
8
53
99
5
1
1
86
1yes
87
134
4
65
8
0
0
100
-7
7
8
8
2
50
-7
0
0
19
85
1
2
0
50
1yes
72
156
8
61
21
0
0
95
-8
6
6
21
2
52
-7
1
1
67
-8
7
-8
2
100
1yes
77
195
5
87
40
0
0
100
-7
7
8
49
2
36
-7
1
1
9
-8
5
2
0
78
0no
62
181
9
70
9
1
0
60
6
4
5
10
1
60
-7
1
1
64
11
2
2
1
100
1yes
82
233
43
96
15
0
0
100
-7
7
8
17
0
65
-7
0
0
45
71
4
1
0
83
0no
74
187
0
89
35
1
1
97
51
6
2
39
2
26
-7
0
0
20
-8
3
1
1
31
0no
57
317
2
93
21
3
3
76
1
0
2
26
1
32
-7
5
5
62
-8
4
2
2
64
0no
63
95
3
37
19
2
2
100
-7
6
8
19
4
37
-7
2
2
43
67
5
4
1
69
1yes
71
241
13
114
10
0
0
100
-7
7
8
10
0
30
-7
1
1
70
58
5
2
4
88
0no
77
213
7
102
35
0
0
91
18
6
6
37
1
43
-7
0
0
4
53
4
4
0
69
0no
73
162
3
74
20
0
0
100
-7
7
8
24
2
48
-7
3
3
70
79
5
2
1
100
0no
61
-8
20
120
27
0
0
87
3
4
6
30
0
57
-7
2
2
41
-8
4
1
0
71
1yes
62
49
9
30
7
0
0
86
14
6
6
7
1
29
-7
2
2
89
104
2
2
1
80
1yes
69
153
32
85
3
0
0
100
-7
7
8
3
0
100
-7
2
1
-8
10
-8
1
-8
100
1yes
64
240
4
83
33
0
0
94
48
6
6
37
1
58
-7
1
1
62
80
6
4
2
77
0no
65
12
12
12
1
0
0
100
-7
7
8
1
0
100
-7
1
1
-8
92
-8
1
-8
100
1yes
58
134
5
71
24
1
1
92
2
4
6
26
2
42
-7
2
2
28
54
6
1
0
78
1yes
62
199
2
65
18
0
0
85
22
6
6
20
3
40
-7
5
5
58
82
4
3
1
88
1yes
75
177
2
84
28
0
0
100
-7
7
8
31
3
32
-7
0
0
44
97
6
3
3
77
1yes