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
272
29
137
5
0
0
100
-7
7
8
5
0
20
-7
1
1
3
-8
1
-8
0
33
1yes
84
144
8
64
16
0
0
100
-7
7
8
16
1
44
-7
0
0
16
75
3
2
0
86
0no
59
25
1
13
7
0
0
100
-7
7
8
9
3
22
-7
3
3
73
-8
2
1
1
50
1yes
90
247
13
96
21
0
0
100
-7
7
8
21
0
33
-7
0
0
0
-8
0
1
0
25
0no
66
167
24
66
20
0
0
90
4
4
6
22
0
76
-7
0
0
25
36
1
2
0
50
0no
84
372
5
137
37
0
0
100
-7
7
8
37
1
16
-7
0
0
2
43
8
2
0
45
0no
76
197
2
71
24
0
0
100
-7
7
8
25
2
24
-7
2
2
33
99
3
2
1
38
0no
73
170
21
70
28
1
1
100
-7
0
8
28
0
36
-7
0
0
28
8
2
2
1
50
0no
67
235
2
77
34
0
0
100
-7
7
8
35
6
20
-7
2
2
51
48
13
2
4
71
1yes
77
53
3
24
13
0
0
100
-7
7
8
13
4
46
-7
1
1
19
99
3
2
0
56
1yes
54
157
7
68
26
0
0
90
20
6
6
30
2
52
-7
0
0
94
87
10
4
6
93
1yes
91
536
48
142
21
0
0
100
-7
7
8
21
0
19
-7
0
0
6
-8
4
-8
0
40
0no
58
132
13
61
11
3
1
71
2
4
4
14
0
29
-7
1
1
57
-8
3
1
1
83
1yes
65
116
4
49
14
1
1
93
7
1
3
15
4
27
-7
4
4
25
17
2
2
0
44
0no
63
262
18
80
23
0
0
83
1
4
6
23
0
4
-7
0
0
15
-8
9
1
2
83
1yes
59
183
8
84
19
2
0
90
22
6
5
21
2
5
-7
1
1
66
-8
6
-8
2
67
0no
58
123
3
51
22
1
0
83
2
3
5
23
4
13
-7
4
3
51
32
9
2
1
65
1yes
56
407
10
118
19
1
0
75
2
3
5
20
1
20
-7
0
0
55
-8
8
1
5
91
1yes
83
97
7
57
17
0
0
100
-7
7
8
17
1
24
-7
0
0
19
85
3
3
0
60
0no
82
215
32
73
10
0
0
100
-7
7
8
10
0
60
-7
1
0
0
26
2
4
1
100
0no
66
178
17
110
4
3
3
67
6
4
3
6
0
17
-7
0
0
41
46
1
1
1
75
1yes
61
190
4
61
44
0
0
89
10
4
6
45
2
14
-7
0
0
28
73
8
4
1
55
1yes
62
78
3
43
22
0
0
100
-7
7
8
24
3
5
-7
5
4
51
-8
11
-8
3
86
1yes
84
93
4
37
7
0
0
100
-7
7
8
7
4
29
-7
3
3
16
-8
2
1
0
75
0no
72
189
2
70
19
0
0
100
-7
7
8
22
2
41
-7
3
3
92
-8
6
1
4
78
0no
70
23
17
21
3
0
0
100
-7
7
8
4
0
67
-7
0
0
95
78
1
1
-8
100
1yes
83
215
6
83
23
0
0
100
-7
7
8
23
2
61
1
2
2
13
-8
3
3
1
75
1yes
68
194
4
57
16
0
0
69
11
4
6
16
3
56
5
0
0
6
47
2
5
0
70
1yes
84
74
44
59
3
0
0
100
-7
7
8
3
0
33
-8
0
0
16
88
1
1
0
67
0no
59
209
5
96
16
1
1
82
1
4
3
17
1
18
4
1
1
43
-8
6
1
0
70
1yes
69
151
3
61
10
0
0
90
6
4
6
10
2
40
2
1
1
117
52
1
2
1
75
0no
76
220
2
70
28
0
0
100
-7
7
8
31
3
52
18
0
0
23
99
4
2
1
88
0no
66
193
6
68
23
0
0
88
5
4
6
24
1
21
4
1
1
3
72
4
3
0
50
1yes
59
240
8
78
19
0
0
85
7
4
6
20
1
45
7
0
0
53
67
5
3
3
89
1yes
73
134
11
54
23
0
0
100
-7
7
8
24
1
46
2
1
1
47
58
4
4
1
67
0no
57
220
3
73
31
0
0
94
1
4
6
35
2
54
3
1
1
81
-8
7
1
3
80
1yes
65
150
1
50
23
0
0
92
3
4
6
26
2
46
10
0
0
33
100
2
3
1
50
1yes
57
236
20
97
13
4
3
69
37
0
2
16
0
38
19
0
0
101
-8
3
1
2
100
1yes
68
373
2
105
33
0
0
91
4
4
6
34
2
50
21
0
0
36
70
3
3
1
55
0no
85
315
11
120
19
0
0
100
-7
7
8
19
1
21
10
0
0
2
57
4
2
0
40
0no
87
216
15
79
21
0
0
100
-7
7
8
22
0
14
-8
0
0
10
-8
3
1
0
36
0no
73
122
2
53
11
0
0
100
-7
7
8
12
3
58
4
2
2
90
96
4
2
1
86
1yes
79
171
7
79
40
0
0
100
-7
7
8
41
3
17
3
1
1
16
79
4
2
0
46
0no
60
150
23
68
3
2
2
67
4
0
2
6
0
33
1
4
4
-8
-8
1
-8
-8
100
1yes
87
492
10
127
14
0
0
100
-7
7
8
15
1
21
14
0
0
9
-8
5
1
0
60
0no
56
-8
37
90
11
7
5
55
4
0
2
20
0
65
9
0
0
-8
12
1
1
0
100
1yes
85
269
18
145
20
0
0
100
-7
7
8
20
0
25
10
0
0
20
-8
5
1
0
64
1yes
85
375
15
106
28
0
0
100
-7
7
8
28
0
21
16
0
0
9
-8
3
1
0
36
0no
70
281
9
55
14
0
0
93
8
4
6
15
2
57
14
0
0
58
45
2
3
1
71
0no
75
382
40
123
13
0
0
92
24
6
6
13
0
8
-8
0
0
31
-8
4
-8
1
67
1yes
65
196
1
60
21
0
0
100
-7
7
8
28
3
21
1
3
3
70
86
10
4
5
93
0no
57
116
2
55
25
2
1
81
5
4
5
27
1
22
0
6
6
2
-8
2
-8
0
18
0no
63
202
2
69
13
0
0
67
16
6
6
15
4
40
3
1
1
52
92
5
2
2
78
0no
71
-8
70
93
5
1
1
100
-7
6
8
5
0
40
14
0
0
47
-8
1
-8
0
50
1yes
73
200
1
58
59
0
0
97
12
6
6
79
8
23
2
1
1
25
53
17
5
1
66
0no
55
321
3
102
7
3
0
64
2
4
5
11
1
27
-8
0
0
87
100
3
2
2
100
1yes
72
186
4
83
22
1
1
80
12
6
3
26
1
16
4
1
1
68
27
4
2
2
50
0no
88
140
16
61
13
0
0
100
-7
7
8
13
0
46
2
1
1
1
72
1
2
0
60
0no
88
218
54
162
9
0
0
100
-7
7
8
9
0
44
2
1
1
-8
-8
-8
1
-8
50
0no
69
187
5
53
24
0
0
100
-7
7
8
24
4
33
14
0
0
51
98
6
3
3
60
0no
88
207
14
71
17
0
0
100
-7
7
8
17
0
47
7
0
0
6
51
1
3
0
50
0no
66
209
19
89
29
0
0
83
6
4
6
30
0
50
3
1
1
43
74
8
8
1
94
0no
73
255
20
90
7
1
1
67
29
6
4
9
0
22
-8
0
0
52
-8
3
-8
0
60
0no
88
171
17
91
15
0
0
100
-7
7
8
16
0
50
17
0
0
0
-8
0
1
0
25
0no
77
82
2
42
7
0
0
100
-7
7
8
8
2
50
8
0
0
-8
99
-8
2
-8
100
0no
87
353
12
109
17
0
0
100
-7
7
8
17
0
12
2
1
1
3
-8
3
1
0
44
0no
83
-8
12
82
10
0
0
85
75
6
6
13
0
46
5
0
0
2
87
1
1
0
67
0no
90
178
4
96
9
0
0
100
-7
7
8
9
1
0
-8
0
0
51
-8
2
-8
1
29
0no
76
230
6
76
22
0
0
82
38
6
6
22
2
23
21
0
0
5
-8
3
1
1
33
0no
60
240
5
115
11
1
0
73
13
6
5
15
1
33
14
0
0
93
96
5
2
3
100
1yes
66
261
6
108
23
1
0
79
2
4
5
33
2
48
11
0
0
24
30
3
3
0
46
0no
83
417
22
113
22
0
0
100
-7
7
8
22
0
27
22
0
0
44
-8
2
1
0
60
0no
85
280
3
106
22
0
0
95
70
6
6
22
2
32
3
3
3
1
17
1
2
0
50
0no
71
245
25
122
11
0
0
91
7
4
6
11
0
45
-8
0
0
-8
-8
-8
1
-8
100
0no
69
158
2
58
24
0
0
96
35
6
6
25
2
16
1
6
6
26
-8
4
-8
2
43
0no
80
195
10
67
24
0
0
100
-7
7
8
25
1
25
22
0
0
36
27
3
2
0
83
0no
63
69
2
32
19
0
0
100
-7
7
8
20
3
30
1
2
2
62
78
6
2
2
67
1yes
55
171
13
70
11
2
2
77
2
1
3
13
0
46
1
3
3
52
79
3
2
0
100
1yes
88
202
10
93
14
0
0
100
-7
7
8
14
1
21
-8
0
0
7
-8
4
1
0
71
0no
88
314
10
103
10
0
0
100
-7
7
8
10
1
30
9
0
0
6
-8
3
1
0
80
0no
69
134
1
51
28
1
1
97
23
6
2
33
7
21
1
2
2
28
53
8
3
3
61
0no
87
177
10
82
9
0
0
100
-7
7
8
9
1
22
-8
0
0
4
3
2
1
0
75
0no
69
39
4
23
7
1
0
88
14
6
5
8
2
13
0
8
8
19
-8
3
-8
0
50
1yes
79
193
17
69
18
0
0
100
-7
7
8
18
0
33
1
2
2
49
57
4
3
0
88
0no
70
110
3
58
32
2
1
86
27
6
3
36
3
40
15
0
0
44
80
6
7
2
93
0no
82
-8
4
55
24
0
0
100
-7
7
8
28
2
14
4
1
1
5
58
2
2
1
36
0no
72
216
5
100
25
1
1
85
8
2
4
26
1
31
5
0
0
33
-8
3
2
1
31
1yes
62
387
14
199
13
0
0
62
1
4
6
13
0
46
4
1
1
57
-8
6
2
2
100
1yes
80
330
28
134
11
0
0
100
-7
7
8
11
0
27
6
0
0
45
-8
3
1
1
80
0no
70
167
22
78
26
1
1
100
-7
6
8
28
0
38
1
5
5
53
-8
3
3
1
60
0no
70
65
3
28
8
0
0
100
-7
7
8
8
2
13
1
2
2
33
-8
5
1
2
75
1yes
87
117
2
75
10
0
0
91
72
6
6
11
2
55
-8
0
0
5
51
1
4
-8
83
1yes
62
340
11
97
18
4
1
52
14
6
4
24
1
39
8
0
0
68
83
3
3
2
78
1yes
78
253
0
110
37
0
0
100
-7
7
8
39
3
18
1
1
1
21
52
13
2
0
59
0no
86
120
12
68
25
0
0
100
-7
7
8
25
0
40
0
1
1
1
-8
3
1
0
50
0no
62
231
1
139
30
5
1
75
16
6
4
36
1
33
-8
0
0
57
37
10
4
5
74
1yes
73
233
2
93
29
1
1
94
14
6
4
33
3
33
1
2
2
2
75
1
4
0
40
0no
64
179
1
37
14
0
0
100
-7
7
8
22
9
40
0
5
5
52
100
5
6
2
73
0no
87
325
6
102
27
0
0
100
-7
7
8
27
3
41
0
1
1
1
72
7
5
0
71
0no
64
141
1
29
23
1
1
96
39
6
2
26
7
12
1
7
7
34
87
10
2
0
82
1yes