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
58
118
21
66
14
3
0
75
3
4
5
20
0
30
0
0
0
62
66
5
4
0
90
1yes
75
255
5
102
30
0
0
100
-7
7
8
32
2
13
0
1
1
39
95
7
2
4
53
1yes
75
291
20
118
15
1
0
94
68
6
5
17
0
41
0
2
2
48
-8
3
1
0
83
1yes
70
288
8
69
30
0
0
100
-7
7
8
30
2
20
0
1
1
31
94
5
2
2
39
1yes
83
122
13
35
11
0
0
100
-7
7
8
11
0
36
0
0
0
2
-8
2
1
0
50
1yes
72
72
8
39
18
0
0
100
-7
7
8
18
2
28
0
2
2
73
-8
3
1
0
100
1yes
84
294
5
119
44
0
0
100
-7
7
8
47
3
68
0
2
2
4
67
5
8
2
76
0no
68
220
9
69
27
0
0
100
-7
7
8
27
3
44
0
2
2
95
59
4
4
2
100
1yes
76
269
6
107
32
1
1
97
-7
5
7
32
3
31
0
0
0
42
2
3
2
1
75
0no
82
133
14
88
9
0
0
100
-7
7
8
9
0
44
0
0
0
0
-8
0
1
-8
50
1yes
62
21
12
17
4
0
0
100
-7
7
8
4
0
50
0
4
3
120
83
1
2
1
75
0no
79
106
9
64
16
0
0
100
-7
7
8
16
1
38
0
2
2
20
44
2
3
1
50
1yes
77
191
4
76
20
0
0
100
-7
7
8
20
2
35
0
3
2
69
17
2
2
1
63
1yes
82
247
3
57
46
0
0
98
18
6
6
46
3
28
0
0
0
3
45
3
2
0
45
1yes
64
120
6
49
15
1
1
88
25
6
4
16
2
44
0
1
1
69
81
4
3
2
78
0no
68
343
1
96
40
1
1
90
39
6
2
43
3
37
0
11
11
75
58
8
6
4
71
0no
57
123
13
57
5
6
6
71
29
6
2
8
0
29
0
2
2
100
-8
1
1
1
100
1yes
75
78
3
41
6
0
0
100
-7
7
8
6
1
67
0
4
4
56
101
2
1
0
100
1yes
84
149
13
80
13
0
0
100
-7
7
8
13
0
85
0
1
1
0
87
0
2
-8
67
0no
73
123
4
65
24
0
0
100
-7
7
8
24
1
38
0
1
1
68
80
3
7
1
71
0no
80
162
5
58
41
0
0
98
-8
6
6
42
5
60
0
0
0
6
90
3
10
0
64
0no
61
115
13
70
16
3
1
74
9
2
4
19
0
21
0
3
3
10
2
3
2
0
56
1yes
79
244
2
93
8
1
1
82
26
6
4
11
3
18
0
1
1
15
-8
4
1
0
86
1yes
89
353
40
140
19
0
0
100
-7
7
8
19
0
11
0
0
0
7
-8
3
1
0
36
0no
76
128
3
47
32
0
0
100
-7
7
8
32
3
22
0
3
3
16
42
7
2
1
64
0no
64
150
2
45
12
1
1
86
3
0
2
14
4
21
0
2
2
9
-8
4
1
-8
56
1yes
72
221
11
84
22
3
2
81
46
6
4
26
1
23
0
0
0
30
-8
5
1
0
70
1yes
58
39
4
22
12
0
0
83
6
4
6
12
3
8
0
3
3
45
100
6
1
1
88
1yes
80
131
19
66
7
0
0
100
-7
7
8
7
0
71
0
0
0
-8
74
1
2
-8
100
1yes
59
192
10
37
17
0
0
88
19
5
6
18
1
59
0
2
2
49
84
4
3
-8
78
1yes
62
282
13
99
24
4
3
70
18
6
3
31
0
26
0
0
0
29
-8
4
1
1
45
1yes
87
208
10
63
42
0
0
100
-7
7
8
42
2
26
0
0
0
9
70
5
3
0
56
1yes
52
132
13
62
21
1
1
86
5
4
2
22
0
32
0
1
1
41
90
10
2
1
80
1yes
61
197
10
84
18
5
4
63
7
4
3
24
1
58
0
0
0
0
-8
1
1
-8
50
0no
82
295
16
108
18
0
0
100
-7
7
8
18
0
39
0
0
0
36
47
2
2
1
40
0no
88
164
12
90
19
0
0
100
-7
7
8
19
0
32
0
0
0
2
60
1
3
0
36
0no
64
51
6
22
15
0
0
100
-7
5
8
24
3
25
0
0
0
61
84
10
3
1
100
1yes
89
351
5
79
12
0
0
100
-7
7
8
12
2
58
0
0
0
4
85
2
3
0
83
0no
83
203
6
86
17
0
0
100
-7
7
8
17
2
47
0
0
0
12
70
2
3
1
63
0no
81
152
25
83
8
0
0
100
-7
7
8
8
0
88
0
0
0
0
68
0
2
-8
67
1yes
60
168
23
97
3
6
3
25
7
0
5
11
0
25
0
0
0
26
68
2
2
0
80
0no
66
176
7
61
24
0
0
92
0
4
6
24
1
33
0
0
0
18
92
4
2
1
58
0no
70
206
19
75
17
0
0
100
-7
7
8
18
0
28
0
1
1
58
-8
4
1
3
60
0no
69
124
14
66
20
0
0
95
3
4
6
20
0
60
0
0
0
58
73
3
3
1
86
1yes
65
106
5
42
11
1
0
92
22
6
5
13
3
31
0
2
2
60
-8
4
1
1
83
1yes
60
141
50
94
13
2
2
73
4
4
6
15
0
27
0
0
0
61
-8
2
1
0
100
1yes
76
208
22
100
22
0
0
100
-7
7
8
22
0
45
0
0
0
76
39
2
2
1
83
0no
72
141
1
66
10
0
0
83
15
6
6
12
2
25
0
1
1
49
94
2
1
1
33
1yes
69
165
4
62
12
0
0
92
75
6
6
12
2
58
0
1
1
97
71
4
1
3
100
1yes
58
162
8
65
21
1
1
100
-7
0
8
22
1
33
0
1
1
44
54
4
3
1
78
1yes
64
345
3
109
31
2
1
92
59
6
2
36
3
42
0
3
3
51
78
6
1
3
64
0no
82
340
1
87
45
0
0
100
-7
5
8
49
6
27
0
10
10
3
82
6
5
0
44
0no
67
37
5
19
18
0
0
100
-7
7
8
18
5
6
0
2
2
30
-8
10
1
1
65
0no
66
190
2
73
25
5
5
88
63
6
2
35
3
59
0
2
2
94
121
4
4
1
100
1yes
63
115
4
54
20
2
1
91
47
0
5
24
2
50
0
1
1
52
75
4
2
1
88
1yes
76
182
0
89
41
0
0
100
-7
7
8
44
3
27
0
3
3
40
100
5
4
3
50
1yes
81
155
9
63
18
0
0
100
-7
7
8
19
2
28
0
2
2
3
-8
3
2
0
50
1yes
57
155
0
42
32
0
0
97
0
4
6
34
10
18
0
1
1
40
90
7
4
1
50
0no
58
184
7
66
39
9
2
85
22
0
5
57
3
44
0
3
3
95
78
5
4
3
100
1yes
78
174
2
98
18
0
0
95
-8
6
6
20
2
55
0
1
1
23
57
1
4
0
75
1yes
73
337
4
110
6
2
0
67
26
6
5
9
2
67
0
1
1
-8
82
-8
3
-8
100
0no
62
185
9
52
14
1
0
76
3
4
5
17
1
65
0
5
5
26
70
3
4
1
100
1yes
72
188
4
57
36
0
0
97
34
6
6
36
5
56
0
3
3
6
60
2
13
0
65
0no
80
483
35
110
28
0
0
90
25
6
6
29
0
31
0
6
6
0
-8
3
1
0
44
0no
74
155
11
68
18
0
0
91
7
4
6
23
2
26
0
0
0
1
-8
3
1
0
36
1yes
63
170
2
76
53
3
2
94
22
5
2
62
4
44
0
4
3
34
3
6
2
2
57
1yes
57
162
6
66
25
1
0
80
7
4
5
31
1
40
0
1
1
47
68
6
3
1
82
1yes
61
8
2
5
1
0
0
100
-7
7
8
2
2
50
0
2
2
92
-8
1
1
1
100
1yes
69
190
8
61
23
0
0
96
1
4
6
23
2
30
0
0
0
41
70
6
3
1
75
1yes
64
88
8
38
3
1
1
75
72
6
3
4
1
75
0
0
0
120
91
1
3
-8
100
0no
55
142
2
53
21
1
0
75
6
4
5
24
3
42
0
1
1
96
41
4
3
2
78
1yes
78
297
5
71
21
0
0
95
-8
6
6
22
2
14
0
2
2
42
-8
2
-8
0
40
0no
61
222
2
50
8
1
1
82
7
2
4
11
1
9
0
4
4
30
-8
5
-8
1
75
1yes
52
195
4
86
12
5
3
61
2
4
4
19
1
67
0
2
2
25
82
1
4
0
71
0no
76
104
8
64
11
1
1
92
79
6
2
12
1
42
0
0
0
12
-8
1
1
0
60
1yes
82
292
6
89
33
0
0
100
-7
7
8
37
3
32
0
0
0
10
40
1
4
0
29
0no
81
329
12
111
19
0
0
95
1
4
6
20
0
55
0
0
0
1
86
2
4
0
67
1yes
71
141
13
52
19
1
1
95
-8
6
4
21
0
33
0
4
4
23
42
4
2
0
75
0no
71
324
5
91
55
0
0
93
44
6
6
59
2
8
0
0
0
38
83
10
2
2
62
1yes
88
152
25
75
16
0
0
100
-7
7
8
18
0
11
0
1
1
0
-8
3
1
0
50
0no
87
321
8
96
40
0
0
100
-7
7
8
41
2
10
0
1
0
2
-8
8
1
0
38
0no
66
175
14
84
6
1
0
57
1
4
5
7
0
29
0
0
0
112
91
2
1
-8
80
1yes
61
105
8
53
44
1
0
89
6
4
5
45
3
36
0
7
7
39
60
5
4
1
64
1yes
82
163
4
71
25
0
0
100
-7
6
8
28
4
29
0
0
0
18
98
4
2
0
55
1yes
85
162
1
65
24
0
0
100
-7
7
8
27
8
26
0
4
4
1
-8
2
1
0
30
1yes
72
69
5
47
17
1
0
89
36
6
5
18
1
11
0
2
2
17
-8
9
1
0
71
1yes
68
253
11
99
36
1
1
85
10
4
2
40
2
28
0
0
0
44
-8
9
1
1
63
0no
68
117
8
60
31
0
0
100
-7
7
8
31
1
42
0
2
2
68
76
6
7
1
100
1yes
67
79
4
43
12
1
1
93
28
6
2
14
2
36
0
4
4
74
47
6
1
1
100
1yes
66
198
10
70
37
1
0
78
5
4
5
40
4
50
0
2
2
1
78
4
3
0
39
1yes
68
248
10
89
25
1
1
93
37
6
6
29
2
36
0
2
2
44
-8
8
3
4
85
0no
65
166
6
78
16
0
0
78
13
6
6
18
1
56
0
0
0
51
3
3
2
1
83
1yes
80
154
14
69
39
0
0
98
71
6
6
41
0
27
0
1
1
10
59
3
3
0
55
1yes
60
429
29
155
13
1
0
94
2
3
2
16
0
25
0
0
0
4
-8
3
1
0
71
0no
65
227
3
90
24
4
4
100
-7
0
8
29
3
44
0
2
2
2
-8
2
5
0
47
0no
66
157
18
42
16
0
0
100
-7
7
8
16
0
25
0
3
3
93
53
11
3
5
100
1yes
77
330
8
72
16
0
0
100
-7
7
8
16
3
56
0
0
0
0
-8
0
3
0
43
1yes
67
92
4
30
14
0
0
100
-7
7
8
14
3
29
0
1
1
44
95
6
2
1
82
1yes
80
234
0
62
27
0
0
100
-7
7
8
35
4
26
0
3
3
22
-8
4
1
2
38
0no
75
422
1
91
55
0
0
100
-7
7
8
57
4
33
0
4
4
2
11
12
2
1
57
0no