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
83
157
2
50
13
0
0
93
44
6
6
15
2
53
3
2
2
0
-8
0
1
0
20
0no
77
156
17
71
19
0
0
95
6
4
6
22
0
32
8
0
0
1
84
2
4
0
86
1yes
74
332
15
113
19
0
0
95
32
6
6
20
0
35
21
0
0
58
65
5
3
1
57
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
312
11
109
17
0
0
100
-7
7
8
17
2
53
0
2
2
5
-8
2
2
0
67
0no
64
329
11
102
36
2
2
100
-7
6
8
38
3
34
0
3
3
3
-8
2
2
0
33
0no
83
222
13
107
17
0
0
94
66
6
6
17
0
35
0
1
1
0
-8
1
1
0
25
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
90
274
11
106
32
0
0
100
-7
7
8
33
1
21
12
0
0
2
87
1
1
0
20
0no
82
260
21
104
19
0
0
100
-7
7
8
21
0
43
4
2
2
4
-8
1
-8
0
17
0no
63
148
4
71
13
0
0
92
43
6
6
13
1
54
3
1
1
92
70
3
3
2
100
1yes
66
272
2
95
44
0
0
100
-7
7
8
49
3
29
0
4
4
63
64
16
4
6
80
0no
70
214
1
74
41
0
0
98
41
6
6
42
3
21
1
1
1
69
-8
15
3
3
95
1yes
87
306
10
122
11
0
0
92
65
6
6
12
1
42
1
1
1
0
-8
2
-8
0
50
0no
86
212
7
90
26
0
0
100
-7
7
8
29
1
21
-8
0
0
10
-8
1
2
0
57
0no
68
205
27
104
40
3
1
89
12
6
4
46
0
70
-8
0
0
55
84
3
5
1
90
0no
64
166
2
58
14
2
0
89
18
6
5
19
3
58
3
1
1
41
82
3
6
0
82
0no
80
163
1
65
27
0
0
97
41
6
6
29
1
45
11
0
0
23
-8
5
1
0
67
0no
65
183
16
77
24
0
0
96
7
4
6
24
0
33
19
0
0
45
77
3
4
3
70
0no
65
340
0
95
21
3
1
85
65
6
5
26
3
81
-8
0
0
36
59
2
6
-8
89
0no
86
360
9
125
20
0
0
100
-7
7
8
20
1
15
-8
0
0
11
22
4
2
0
55
0no
77
154
2
70
37
0
0
98
35
6
6
45
7
53
1
10
10
28
99
3
4
1
64
0no
83
465
14
138
24
0
0
100
-7
7
8
26
0
38
22
0
0
26
-8
3
-8
0
43
1yes
82
340
2
81
65
0
0
100
-7
7
8
84
11
44
1
3
3
21
56
6
4
0
48
0no
78
475
2
113
27
0
0
97
29
6
6
30
1
50
3
2
2
42
-8
4
3
1
64
0no
87
467
10
65
17
0
0
100
-7
7
8
17
1
12
-8
0
0
1
38
2
1
0
23
0no
85
124
2
44
3
0
0
100
-7
7
8
4
2
25
4
1
1
0
100
0
1
-8
50
1yes
90
308
4
95
28
0
0
100
-7
7
8
31
2
27
4
2
2
2
-8
2
1
0
33
0no
91
292
26
104
6
0
0
100
-7
7
8
6
0
33
-8
0
0
1
-8
2
1
0
60
0no
85
325
11
79
39
0
0
98
-7
5
7
41
1
29
0
2
2
19
80
3
5
0
57
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
84
132
5
50
22
0
0
100
-7
7
8
22
2
36
6
0
0
19
17
2
4
0
86
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
88
17
43
9
0
0
100
-7
7
8
9
0
67
-8
0
0
20
74
1
3
0
67
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
82
253
21
93
38
0
0
100
-7
7
8
39
0
28
18
0
0
19
68
4
3
0
62
0no
67
310
18
101
31
0
0
97
9
4
6
31
0
42
0
1
1
72
31
3
2
2
86
0no
75
154
6
72
28
0
0
100
-7
7
8
29
2
66
20
0
0
1
64
2
4
0
75
0no
87
367
10
173
26
0
0
100
-7
7
8
27
2
44
17
0
0
2
-8
5
2
0
58
0no
82
144
3
84
22
0
0
100
-7
7
8
31
1
28
0
3
3
37
83
2
3
0
71
0no
82
300
32
117
22
0
0
100
-7
7
8
23
0
22
0
1
1
41
43
3
2
1
63
0no
88
496
95
184
12
0
0
100
-7
7
8
12
0
25
-8
0
0
5
-8
2
1
0
60
0no
75
105
2
53
22
0
0
100
-7
7
8
25
5
56
0
1
1
31
21
5
3
1
80
0no
69
179
6
69
25
1
1
100
-7
6
8
25
4
32
0
1
1
43
77
6
3
3
75
1yes
69
155
6
84
27
0
0
100
-7
6
7
30
1
47
1
9
9
78
89
8
2
8
91
1yes
78
217
27
107
13
0
0
100
-7
7
8
15
0
53
-8
0
0
1
53
1
1
0
67
0no
87
236
7
79
44
0
0
100
-7
7
8
44
3
18
8
0
0
2
71
3
3
0
40
0no
86
155
69
127
9
0
0
100
-7
7
8
9
0
44
-8
0
0
12
-8
2
-8
0
100
1yes
71
236
1
69
19
0
0
91
2
4
6
22
3
50
1
4
3
18
-8
3
2
0
56
0no
73
215
7
88
38
1
1
92
23
6
6
40
1
38
19
0
0
1
78
4
2
1
50
1yes
61
143
1
60
33
0
0
100
-7
7
8
36
3
29
0
4
4
80
76
7
6
4
83
1yes
61
75
0
35
30
0
0
100
-7
7
8
37
6
15
10
0
0
77
47
11
4
8
76
0no
60
220
4
83
21
1
0
80
1
4
5
25
2
44
22
0
0
62
87
4
3
2
73
0no
69
35
1
20
5
1
1
100
-7
6
8
7
2
43
1
1
1
48
-8
3
-8
0
75
1yes
87
221
5
52
29
0
0
100
-7
7
8
29
2
14
4
1
1
2
61
2
3
0
31
0no
64
216
2
86
18
5
1
60
42
6
4
25
2
36
0
4
3
40
58
1
4
1
60
0no
69
102
5
39
22
0
0
100
-7
7
8
22
4
5
1
5
5
31
-8
6
1
2
58
0no
59
217
4
94
17
4
3
78
19
6
5
23
1
52
-8
0
0
63
40
5
5
0
100
1yes
65
247
2
100
41
1
1
96
6
0
2
46
3
35
1
4
3
24
59
10
4
0
61
0no
80
174
13
75
23
0
0
100
-7
7
8
23
0
35
16
0
0
21
-8
2
1
1
60
0no
85
366
14
109
26
0
0
86
22
6
6
29
0
34
0
2
2
2
-8
2
1
0
33
0no
81
163
7
75
22
1
1
91
26
6
4
23
1
61
14
0
0
4
63
1
3
0
57
1yes
58
305
9
99
36
1
1
100
-7
0
8
39
1
68
0
2
2
57
79
5
4
2
75
0no
91
254
16
126
15
0
0
100
-7
7
8
16
0
50
11
0
0
1
-8
1
2
0
75
0no
71
128
4
58
15
1
1
100
-7
6
8
16
2
50
3
1
1
0
-8
1
1
0
33
0no
72
293
9
128
6
1
1
100
-7
6
8
6
1
50
3
1
1
0
-8
0
2
-8
50
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
81
158
13
71
34
0
0
97
42
6
6
37
0
42
1
1
1
9
86
3
5
0
47
1yes
60
190
3
79
22
1
1
88
38
0
6
24
4
38
5
2
2
59
54
6
3
3
100
0no
79
288
4
79
44
0
0
100
-7
7
8
47
4
28
11
0
0
27
93
7
2
1
53
0no
77
161
2
60
12
0
0
92
7
4
6
13
3
46
5
0
0
6
99
2
3
0
63
0no
79
267
11
112
19
0
0
100
-7
7
8
19
1
32
2
1
1
41
-8
3
-8
1
60
0no
83
321
2
103
31
0
0
100
-7
7
8
35
4
20
5
1
1
33
97
9
3
0
71
1yes
72
203
22
80
15
1
1
94
20
6
3
16
0
38
8
0
0
38
77
6
2
2
73
0no
63
196
2
68
33
1
0
97
2
3
5
38
5
32
3
1
1
12
45
4
3
1
47
0no
75
387
2
101
32
1
0
95
21
6
6
37
2
49
3
19
19
0
5
1
2
0
75
0no
73
127
5
60
12
0
0
85
11
4
6
13
1
77
8
0
0
-8
66
0
2
0
67
1yes
85
199
7
82
31
0
0
100
-7
7
8
34
1
38
0
2
2
6
49
3
2
1
36
0no
88
365
5
166
29
0
0
97
14
6
6
30
2
43
17
0
0
10
-8
1
3
0
44
0no
80
207
1
98
24
0
0
93
56
6
6
28
3
32
0
1
1
19
-8
6
-8
0
58
0no
79
310
12
77
30
0
0
100
-7
7
8
34
0
35
0
1
1
59
-8
3
2
0
71
0no
80
446
42
158
16
1
1
100
-7
6
8
17
0
24
-8
0
0
0
-8
1
1
0
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
0no
85
143
26
79
26
0
0
100
-7
7
8
27
0
15
0
2
2
3
-8
3
1
0
50
0no
85
371
1
141
24
0
0
100
-7
7
8
25
2
28
-8
0
0
14
56
5
2
1
70
0no
72
65
14
31
13
1
1
100
-7
6
8
13
0
8
10
0
0
15
14
5
1
0
88
0no
71
205
17
92
39
0
0
100
-7
7
8
41
0
25
7
0
0
47
-8
8
4
5
57
0no
82
205
5
68
15
0
0
87
19
6
6
15
3
33
-8
0
0
5
-8
3
1
0
40
0no
82
209
40
107
23
0
0
100
-7
7
8
24
0
21
0
8
8
19
-8
2
1
-8
50
0no
65
75
1
36
9
2
2
75
38
6
4
12
2
58
4
1
1
33
46
2
3
1
100
1yes
70
518
23
143
11
1
1
100
-7
6
8
12
0
17
-8
0
0
21
-8
6
-8
0
75
1yes
59
404
4
113
25
1
1
83
3
4
2
29
2
28
4
1
1
2
67
5
2
0
44
1yes
83
159
10
66
23
0
0
96
32
6
6
25
3
32
10
0
0
7
-8
2
2
0
80
0no
92
343
14
154
18
0
0
100
-7
7
8
18
0
28
-8
0
0
3
-8
3
-8
0
38
0no
83
234
1
95
33
0
0
100
-7
7
8
37
4
59
1
1
1
6
71
7
6
1
87
0no
80
378
21
163
20
0
0
100
-7
7
8
21
0
29
17
0
0
45
63
8
2
1
83
0no
84
49
6
28
13
0
0
100
-7
7
8
13
1
46
0
1
1
1
59
1
2
0
60
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
59
213
24
90
13
0
0
85
5
4
6
14
0
54
1
10
10
104
-8
2
1
2
100
0no
71
282
6
95
28
2
2
89
33
6
6
28
2
57
1
6
6
33
75
4
5
0
83
1yes