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
84
202
3
92
19
0
0
95
51
6
6
34
4
26
4
1
1
3
-8
3
1
0
36
0no
84
98
35
68
7
0
0
100
-7
7
8
7
0
29
-8
0
0
12
-8
2
1
0
75
0no
91
412
8
102
18
0
0
100
-7
7
8
19
1
42
5
1
1
4
-8
2
1
0
43
0no
80
263
6
106
26
0
0
92
14
6
6
26
2
23
-8
0
0
14
17
4
2
1
54
0no
65
378
3
86
25
1
1
100
-7
6
8
27
4
44
-8
0
0
59
95
6
2
2
62
0no
88
219
2
80
28
0
0
100
-7
7
8
32
5
34
22
0
0
5
69
6
4
0
67
0no
77
251
29
111
23
3
1
89
43
6
5
27
0
56
0
1
1
2
42
3
2
0
63
0no
79
225
2
111
22
3
1
82
28
6
3
28
1
14
1
1
1
1
-8
1
1
0
30
0no
77
178
14
107
20
0
0
100
-7
7
8
22
0
55
1
1
1
39
86
4
2
0
100
0no
73
164
10
75
7
0
0
100
-7
7
8
7
2
29
1
1
1
76
14
1
2
1
75
1yes
79
200
10
82
38
0
0
100
-7
7
8
40
1
30
0
1
1
35
67
2
2
1
36
0no
76
134
9
72
6
0
0
86
14
6
6
7
1
29
-8
0
0
55
10
2
1
0
60
0no
76
210
9
63
11
0
0
100
-7
7
8
11
1
55
10
0
0
65
78
4
4
0
100
1yes
72
118
8
48
19
1
0
95
60
6
5
20
1
45
21
0
0
53
88
5
4
0
100
1yes
66
305
36
134
26
1
0
90
8
4
5
29
0
28
5
0
0
46
-8
6
2
3
62
0no
60
256
4
86
28
0
0
90
4
4
6
30
2
30
4
1
1
60
100
8
3
2
85
0no
75
85
6
39
15
0
0
100
-7
7
8
15
1
60
12
0
0
52
82
3
4
0
100
1yes
67
59
3
36
8
1
1
89
7
3
4
9
2
56
3
1
1
4
77
2
3
0
83
1yes
62
136
6
72
29
1
1
97
8
4
6
32
3
60
6
0
0
37
87
3
10
1
93
1yes
91
325
28
148
14
0
0
100
-7
7
8
17
0
33
0
6
6
0
-8
1
2
0
50
1yes
63
217
1
100
31
2
2
100
-7
6
8
33
2
21
1
3
3
75
92
13
3
7
94
1yes
63
103
4
32
13
1
1
100
-7
7
8
14
4
85
0
1
1
68
93
2
3
-8
100
1yes
61
125
7
32
5
1
1
100
-7
7
8
6
3
60
0
1
1
232
83
1
3
1
100
1yes
65
44
2
28
13
2
2
100
-7
6
8
15
2
86
0
2
2
18
66
2
2
-8
100
1yes
57
131
10
52
15
1
0
81
8
4
5
16
1
63
0
0
0
98
64
3
5
2
89
1yes
61
122
15
52
15
0
0
72
3
4
6
18
0
61
0
0
0
52
60
3
2
0
100
1yes
70
76
6
37
22
0
0
100
-7
7
8
23
2
26
0
1
1
28
41
9
2
1
79
0no
76
121
12
55
15
0
0
100
-7
7
8
16
0
56
0
0
0
56
60
2
3
1
100
0no
66
160
5
60
13
2
2
81
51
6
2
16
3
44
0
3
3
56
-8
3
2
1
71
1yes
66
174
6
72
29
3
2
87
16
6
4
32
2
19
0
1
0
37
87
9
2
4
65
1yes
83
158
4
83
27
0
0
100
-7
7
8
31
1
71
0
1
1
1
66
2
3
1
63
1yes
71
207
1
82
22
0
0
96
-8
6
6
24
3
21
0
1
1
72
71
9
3
4
92
1yes
72
55
4
32
21
0
0
100
-7
7
8
21
4
48
0
0
0
18
44
6
4
0
71
1yes
60
170
3
52
3
1
1
100
-7
6
8
5
2
60
0
14
14
-8
92
1
2
-8
75
1yes
72
302
36
105
13
1
1
93
35
6
2
14
0
14
0
0
0
69
-8
5
-8
2
83
0no
68
135
5
64
19
2
0
90
12
6
5
21
4
52
0
0
0
41
92
7
2
1
82
0no
60
49
2
25
24
0
0
100
-7
7
8
25
6
32
0
2
2
35
73
9
4
2
72
1yes
64
177
9
73
31
1
0
85
2
4
5
34
3
62
0
0
0
5
5
3
4
0
64
1yes
76
129
11
52
10
0
0
100
-7
7
8
10
1
60
0
1
1
6
95
2
3
-8
83
1yes
65
206
14
76
25
5
5
88
6
4
6
26
0
69
0
1
1
76
82
2
3
1
100
0no
82
229
11
101
25
0
0
100
-7
7
8
25
1
36
0
0
0
8
-8
4
1
0
50
0no
62
102
3
51
20
1
0
78
11
4
5
23
4
39
0
1
1
56
85
3
3
2
75
1yes
60
151
7
64
10
7
4
64
11
0
4
17
2
36
0
0
0
8
90
3
2
0
83
1yes
57
298
4
58
47
1
0
92
1
4
5
48
5
75
0
1
1
51
77
5
7
1
92
0no
62
84
3
45
28
0
0
93
31
5
6
30
4
60
0
11
11
68
62
8
5
0
87
1yes
59
248
3
85
27
1
1
80
4
0
2
40
3
60
0
0
0
16
83
4
3
0
64
1yes
62
305
6
92
31
1
0
82
2
4
5
33
2
33
0
1
0
39
103
5
3
2
62
1yes
57
240
7
78
17
1
0
67
2
4
5
18
1
67
0
0
0
93
62
3
3
2
86
0no
61
149
5
62
21
1
0
77
3
4
5
22
2
45
0
0
0
49
95
3
3
1
55
1yes
55
313
21
119
18
2
1
64
3
3
4
22
0
36
0
1
1
55
56
6
2
5
75
1yes
63
278
19
89
37
0
0
95
3
4
6
38
0
24
0
3
3
30
-8
11
1
3
86
1yes
74
151
10
58
24
0
0
96
80
6
6
24
2
33
0
0
0
55
62
4
2
2
58
1yes
77
124
1
52
19
0
0
100
-7
7
8
22
4
45
0
4
4
30
95
1
4
1
71
1yes
88
163
11
87
9
0
0
90
-8
6
6
10
1
20
0
0
0
2
-8
2
-8
0
40
1yes
59
145
2
52
12
2
2
79
15
6
2
14
3
36
0
5
5
42
88
5
3
1
82
1yes
68
118
7
64
11
0
0
86
9
4
6
14
1
64
0
1
1
27
65
1
5
0
100
1yes
80
31
8
20
3
0
0
100
-7
7
8
3
1
67
0
2
1
0
24
0
2
0
67
1yes
86
119
9
66
13
0
0
100
-7
7
8
13
2
62
0
0
0
9
89
1
3
0
57
1yes
61
105
1
20
26
0
0
100
-7
7
8
28
10
61
0
0
0
48
98
7
4
-8
73
1yes
57
204
6
73
28
1
1
97
1
0
2
29
6
41
0
0
0
14
96
4
4
1
62
1yes
82
223
22
87
21
1
0
68
12
6
5
25
0
16
0
0
0
0
-8
0
1
0
20
1yes
68
104
3
41
16
0
0
100
-7
7
8
17
4
63
0
0
0
49
52
4
3
2
88
1yes
41
169
4
85
33
4
0
74
0
3
5
39
3
31
0
1
1
70
32
10
4
7
88
1yes
66
150
14
80
17
3
1
67
43
6
5
24
0
63
0
0
0
-8
61
-8
2
-8
100
1yes
70
187
13
51
31
0
0
100
-7
7
8
31
0
61
0
6
6
41
71
2
6
1
62
1yes
67
217
12
82
27
4
3
72
30
6
3
32
0
41
0
4
3
5
85
1
4
-8
45
1yes
66
87
13
38
14
1
1
93
29
6
6
16
0
67
0
0
0
48
75
2
3
1
83
1yes
59
71
2
35
16
0
0
100
-7
7
8
18
2
44
0
1
1
70
37
9
4
2
93
1yes
72
106
14
75
9
0
0
50
44
6
6
10
0
30
0
0
0
0
-8
0
-8
-8
0
0no
56
57
16
30
6
4
4
67
4
0
2
9
0
89
0
1
1
0
70
1
2
0
100
1yes
69
176
13
84
34
0
0
97
14
6
6
34
0
56
0
1
1
52
73
7
6
2
81
0no
57
161
4
69
9
0
0
73
14
6
6
11
3
55
0
0
0
78
46
1
4
1
100
1yes
72
63
3
38
5
0
0
100
-7
7
8
5
1
0
0
3
3
85
-8
4
-8
1
100
1yes
59
150
3
50
27
0
0
89
21
6
6
28
3
21
0
1
1
54
70
8
4
2
63
1yes
66
155
15
70
46
0
0
96
-8
5
6
48
0
69
0
0
0
88
79
6
4
3
100
1yes
73
379
1
129
23
4
3
86
42
6
2
29
1
52
0
3
3
33
-8
7
2
1
69
1yes
54
153
13
55
5
1
1
60
5
4
6
6
0
60
0
2
2
76
-8
1
1
-8
67
1yes
64
296
5
71
28
0
0
73
4
4
6
30
1
23
0
1
1
44
76
5
3
1
73
1yes
71
132
9
63
29
0
0
90
2
4
6
31
1
58
0
2
2
23
82
1
4
0
71
1yes
89
523
53
130
7
0
0
100
-7
7
8
7
0
14
0
0
0
0
-8
0
-8
-8
0
1yes
87
228
3
68
31
0
0
100
-7
7
8
31
3
29
0
3
3
0
98
1
2
0
33
0no
75
23
6
15
2
0
0
100
-7
7
8
2
1
50
0
0
0
17
100
1
1
0
100
1yes
67
152
20
89
19
1
0
90
71
6
5
20
0
60
0
0
0
94
53
1
2
1
100
1yes
69
75
8
32
18
0
0
100
-7
6
8
18
3
44
0
0
0
50
88
6
4
2
91
1yes
61
84
12
28
4
2
2
80
61
6
2
6
0
60
0
3
3
101
93
2
2
2
100
1yes
80
116
2
62
24
0
0
100
-7
7
8
26
1
23
0
1
1
23
81
3
2
1
83
0no
74
158
6
73
14
0
0
93
9
4
6
14
1
64
0
0
0
29
28
2
3
0
83
1yes
70
119
3
29
8
0
0
88
2
4
6
8
1
75
0
2
2
0
49
0
4
-8
80
1yes
58
470
7
146
5
1
1
83
1
0
2
6
1
0
0
0
0
36
-8
3
-8
-8
75
1yes
65
146
2
71
21
3
3
77
21
6
2
26
1
58
0
2
2
4
60
1
3
-8
80
1yes
83
156
5
41
22
0
0
100
-7
7
8
22
3
14
0
1
1
4
71
2
3
0
29
0no
76
266
5
98
27
0
0
97
10
4
6
31
2
42
0
0
0
8
81
5
4
1
56
0no
66
153
17
73
24
0
0
88
10
4
6
26
0
50
0
0
0
37
77
6
3
0
83
0no
54
132
31
52
14
2
0
74
4
4
5
19
0
47
0
1
1
21
47
2
1
0
50
1yes
57
142
8
61
44
0
0
84
6
4
6
44
1
16
0
8
8
45
-8
11
2
2
52
1yes
87
297
7
68
23
0
0
100
-7
7
8
23
2
39
0
0
0
1
6
1
3
0
56
0no
61
176
8
65
24
0
0
80
32
6
6
25
3
44
0
1
0
54
72
5
3
2
89
1yes
66
132
16
66
8
2
2
78
64
6
2
9
0
56
0
3
3
60
12
2
1
1
100
1yes
69
284
3
84
27
1
1
100
-7
7
8
31
2
50
0
3
3
51
71
3
3
1
86
0no
80
185
2
64
41
0
0
100
-7
7
8
46
5
37
0
4
4
3
93
4
4
0
56
0no