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
78
288
27
108
9
1
1
82
54
6
3
11
0
36
0
0
0
4
74
1
2
0
60
0no
71
86
3
31
22
0
0
100
-7
7
8
22
8
45
0
3
2
64
91
3
6
1
75
1yes
62
136
13
63
12
3
2
76
27
6
2
17
0
82
0
1
1
-8
50
-8
6
-8
100
1yes
62
152
10
79
18
5
1
72
20
6
4
25
1
28
0
1
1
81
80
5
2
3
78
0no
69
242
8
100
30
0
0
88
46
6
6
32
1
50
0
3
3
47
56
4
4
2
100
1yes
69
183
7
46
21
1
1
86
20
6
2
22
2
45
0
1
1
36
75
1
4
0
56
0no
67
116
5
40
14
0
0
86
6
4
6
14
1
57
0
0
0
69
97
1
2
1
43
1yes
60
43
7
23
9
0
0
78
6
4
6
9
1
67
0
0
0
0
19
0
3
-8
60
1yes
60
16
7
12
2
1
1
100
-7
7
8
3
1
100
0
0
0
-8
89
-8
2
-8
100
1yes
80
190
6
65
10
1
1
92
65
6
4
12
2
50
0
0
0
48
-8
1
1
1
50
1yes
64
60
11
26
6
1
0
86
11
3
5
7
1
43
0
0
0
95
-8
2
1
0
75
0no
63
10
2
6
1
0
0
100
-7
7
8
2
2
50
0
8
8
64
-8
1
1
-8
100
1yes
88
254
7
102
21
0
0
100
-7
7
8
24
1
54
0
0
0
0
8
3
2
0
100
1yes
70
97
7
53
14
0
0
94
-8
6
6
16
1
38
0
1
1
17
69
2
3
0
60
1yes
80
368
10
111
25
0
0
96
-8
6
6
28
1
11
0
0
0
31
-8
3
1
2
44
0no
63
153
6
68
37
1
1
91
25
6
6
45
1
89
0
0
0
82
74
3
5
0
100
1yes
56
254
9
59
17
3
1
80
5
4
5
20
1
70
0
0
0
93
63
3
6
3
90
1yes
72
174
2
69
30
1
1
97
17
5
2
33
1
9
0
0
0
9
84
5
1
0
46
1yes
54
111
3
67
6
4
2
55
3
0
2
11
2
0
0
4
4
90
-8
4
-8
3
83
1yes
73
167
2
87
9
0
0
90
74
6
6
10
1
80
0
3
3
-8
99
-8
2
-8
100
1yes
61
150
5
54
12
0
0
77
0
4
6
13
3
62
0
3
3
81
69
4
4
1
100
1yes
55
132
8
47
24
0
0
75
0
4
6
24
1
58
0
0
0
76
89
2
4
1
100
1yes
92
421
42
161
17
0
0
100
-7
7
8
19
0
42
0
0
0
0
-8
1
-8
0
50
0no
71
313
22
107
30
0
0
100
-7
7
8
32
0
53
0
1
1
19
15
3
4
0
89
0no
81
144
14
83
23
0
0
92
54
6
6
25
0
36
0
0
0
8
49
1
2
0
33
0no
82
374
29
131
17
0
0
94
56
7
6
18
0
56
0
6
6
1
-8
1
-8
0
33
1yes
55
80
17
56
4
5
2
56
31
6
2
9
0
33
0
10
9
0
71
0
1
-8
33
1yes
67
265
4
97
11
5
5
77
13
6
2
13
2
54
0
4
3
10
-8
1
1
-8
67
1yes
66
218
33
90
12
1
1
87
1
4
2
15
0
20
0
0
0
0
-8
1
-8
1
33
1yes
66
341
6
81
31
4
4
86
37
6
3
35
3
43
0
0
0
68
72
8
7
2
89
1yes
72
164
6
76
34
0
0
100
-7
7
8
36
2
36
0
1
1
38
26
5
3
1
62
0no
69
244
3
73
25
1
0
74
25
6
5
27
1
37
0
2
2
48
40
2
1
1
27
1yes
66
321
11
110
27
0
0
93
17
6
6
29
1
48
0
1
1
44
38
9
4
1
93
1yes
56
107
18
60
14
0
0
71
3
4
6
17
0
24
0
0
0
49
91
4
2
4
67
1yes
60
170
7
59
21
0
0
96
57
6
6
26
3
69
0
2
2
88
-8
7
1
3
100
1yes
78
306
1
80
19
0
0
90
13
6
6
20
3
40
0
1
1
9
-8
6
1
0
64
0no
82
208
11
77
22
1
0
96
39
6
5
24
1
21
0
1
1
3
80
4
2
0
55
0no
67
156
1
62
5
1
0
89
14
6
5
9
4
56
0
2
2
14
90
1
3
1
67
1yes
59
148
10
65
49
1
0
94
2
3
2
53
2
47
0
5
4
83
92
8
2
4
91
1yes
65
63
6
35
2
3
3
100
-7
6
8
4
1
50
0
0
0
-8
-8
-8
1
-8
100
1yes
67
196
10
81
21
2
0
71
27
6
5
24
3
50
0
2
2
38
89
2
3
1
83
1yes
56
48
6
25
7
0
0
50
2
4
6
8
1
25
0
0
0
75
100
3
1
1
71
1yes
85
293
6
94
40
0
0
100
-7
7
8
42
3
14
0
0
0
4
-8
4
-8
0
25
0no
63
239
8
87
17
3
2
94
36
5
5
18
3
39
-7
0
0
61
87
3
3
1
75
1yes
79
190
16
151
15
0
0
100
-7
7
8
17
0
35
-7
1
1
35
15
4
2
1
75
0no
78
173
4
90
23
0
0
100
-7
7
8
24
1
52
-7
0
0
43
-8
5
1
1
60
0no
88
199
6
78
13
0
0
100
-7
7
8
14
1
14
-7
0
0
14
-8
2
-8
0
67
0no
67
251
2
76
31
0
0
97
-8
6
6
34
4
59
-7
3
3
79
84
6
5
2
92
1yes
76
133
26
69
5
0
0
80
25
6
6
5
0
60
-7
1
1
13
65
1
2
0
75
0no
82
231
13
158
15
0
0
100
-7
7
8
17
0
24
-7
1
1
31
-8
4
1
1
56
0no
77
79
9
47
12
1
1
92
12
6
3
13
1
62
-7
0
0
4
49
1
2
0
50
0no
65
154
41
92
10
1
0
73
12
6
5
12
0
33
-7
0
0
46
35
4
1
2
83
1yes
57
221
5
97
63
1
0
91
5
4
5
64
3
53
-7
7
7
32
4
10
10
0
71
1yes
72
190
6
76
50
0
0
98
64
6
6
54
1
61
-7
1
1
57
49
6
13
1
95
0no
59
200
1
64
27
0
0
87
1
4
6
31
5
70
-7
1
1
58
87
6
4
1
91
1yes
61
165
2
65
24
0
0
93
24
6
6
27
6
26
-7
3
3
68
99
14
3
3
85
0no
68
7
7
7
1
0
0
100
-7
7
8
1
1
100
-7
17
17
-8
-8
-8
1
-8
100
1yes
76
207
21
88
16
0
0
94
30
6
6
17
0
59
-7
0
0
17
5
1
2
0
100
0no
63
252
45
142
6
6
5
75
30
5
2
16
0
69
-7
0
0
110
-8
2
-8
1
100
1yes
79
224
2
83
15
1
0
83
12
6
5
18
1
11
-7
0
0
0
-8
1
1
0
25
0no
64
314
4
94
64
0
0
100
-7
7
8
71
5
52
-7
7
7
82
62
25
19
15
88
1yes
67
259
6
91
41
0
0
93
0
4
6
53
1
26
-7
0
0
51
-8
7
1
3
83
1yes
75
197
2
95
20
0
0
95
62
6
6
21
2
24
-7
2
2
48
99
4
3
1
78
1yes
89
241
2
119
30
0
0
100
-7
7
8
33
2
24
-7
2
2
7
50
6
1
0
58
0no
81
158
9
64
32
0
0
100
-7
7
8
32
2
50
-7
2
2
14
-8
2
-8
0
17
0no
62
139
5
55
5
2
2
63
47
5
2
8
1
63
-7
3
3
59
-8
2
2
1
100
1yes
67
22
2
13
4
0
0
100
-7
7
8
5
2
40
-7
1
0
71
69
1
2
-8
75
0no
84
165
3
72
48
0
0
100
-7
7
8
51
6
45
-7
1
1
9
100
4
4
0
53
0no
63
209
7
92
7
1
1
88
2
0
2
8
2
25
-7
0
0
71
93
1
1
0
100
0no
71
194
3
115
14
2
1
94
4
3
5
16
1
31
-7
3
3
10
-8
1
-8
0
50
1yes
72
217
3
99
30
0
0
93
7
4
6
30
2
67
-7
3
3
23
67
4
5
0
90
0no
84
131
10
61
30
0
0
100
-7
7
8
30
2
53
-7
0
0
18
22
3
2
0
63
0no
60
89
3
40
27
0
0
100
-7
7
8
27
5
37
-7
1
1
89
54
11
2
6
81
1yes
81
356
13
116
28
0
0
100
-7
7
8
31
0
24
-7
0
0
34
-8
4
1
1
45
0no
75
176
7
97
32
0
0
100
-7
7
8
34
3
21
-7
0
0
17
67
9
2
1
67
0no
67
212
13
112
24
0
0
88
2
4
6
25
0
48
-7
1
1
21
71
6
4
1
100
0no
82
247
1
90
25
0
0
100
-7
7
8
29
2
24
-7
0
0
29
-8
6
1
1
54
0no
75
400
3
140
28
0
0
96
-8
6
6
29
2
18
-7
3
3
14
82
11
3
0
71
0no
64
58
9
28
14
0
0
93
18
6
6
15
2
21
-7
1
1
51
-8
5
1
2
67
1yes
77
177
12
75
7
1
1
89
19
6
6
9
0
22
-7
2
2
1
-8
1
-8
0
25
0no
63
178
1
46
17
2
0
90
5
3
5
21
3
57
-7
2
2
43
99
4
6
1
91
1yes
83
220
1
121
39
0
0
100
-7
7
8
41
1
39
-7
1
1
17
-8
6
1
0
47
0no
56
206
13
61
21
2
2
90
3
4
6
21
0
29
-7
1
0
64
50
7
2
4
69
1yes
72
172
5
55
22
0
0
100
-7
7
8
22
4
77
-7
1
1
80
-8
2
1
1
100
1yes
68
177
1
65
43
0
0
96
12
6
6
48
3
50
-7
2
2
19
25
5
5
1
71
0no
84
157
3
74
35
0
0
100
-7
7
8
35
3
11
-7
3
3
2
5
1
3
0
44
0no
82
152
2
70
21
0
0
100
-7
7
8
23
2
48
-7
0
0
17
53
5
3
0
73
1yes
68
216
4
91
23
1
1
88
52
6
2
26
6
54
-7
2
2
42
90
6
2
1
80
1yes
77
235
3
75
21
0
0
100
-7
7
8
21
2
29
-7
1
1
36
-8
3
2
0
67
1yes
88
233
2
89
11
0
0
100
-7
7
8
12
1
25
-7
0
0
10
-8
2
1
0
57
0no
68
108
4
50
15
0
0
100
-7
7
8
18
3
44
4
4
4
66
60
6
2
3
100
1yes
69
222
12
103
31
1
0
94
79
6
5
33
0
33
6
1
0
32
68
13
3
2
84
0no
70
85
3
23
18
1
1
89
45
6
4
19
7
47
0
4
4
28
69
6
4
1
77
1yes
56
118
4
55
29
2
1
81
16
6
4
37
6
86
5
1
1
39
68
2
8
-8
77
1yes
68
226
1
98
24
2
2
80
28
6
3
30
2
57
8
0
0
28
92
1
2
-8
75
1yes
78
133
4
63
24
0
0
96
50
6
6
24
1
42
0
2
2
22
46
4
3
0
70
0no
75
136
33
74
17
0
0
100
-7
7
8
25
0
65
2
1
1
83
165
1
9
1
77
1yes
55
165
13
62
6
0
0
67
10
4
6
6
0
33
6
0
0
103
-8
2
1
2
100
1yes
84
130
11
61
14
0
0
100
-7
7
8
14
2
43
0
1
1
0
61
2
2
0
67
1yes
83
187
5
73
33
0
0
97
-8
6
6
34
4
79
2
1
1
8
86
4
4
0
89
0no