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
65
181
5
58
21
0
0
91
0
4
6
23
1
52
5
1
1
40
88
4
3
2
64
1yes
83
217
1
73
34
0
0
100
-7
7
8
39
2
21
1
1
1
7
48
6
2
1
57
0no
58
184
3
66
30
0
0
94
1
4
6
31
1
13
0
1
1
47
-8
9
1
2
80
1yes
89
199
10
90
24
0
0
100
-7
7
8
26
1
62
18
0
0
5
33
2
4
1
75
0no
54
67
11
23
15
0
0
69
1
4
6
16
6
25
6
0
0
76
87
6
2
0
90
1yes
65
256
3
96
42
0
0
91
26
6
6
46
3
30
3
1
1
56
88
11
3
2
67
1yes
62
175
2
46
18
0
0
95
0
4
6
20
2
75
0
2
2
57
81
3
5
1
89
1yes
60
45
1
18
13
0
0
100
-7
7
8
15
4
40
1
1
1
71
65
5
2
1
88
1yes
80
148
3
103
16
0
0
100
-7
7
8
16
1
75
3
1
1
47
51
1
6
1
88
0no
68
89
13
52
10
1
0
73
10
4
5
11
0
82
7
0
0
0
71
0
4
0
67
0no
68
259
20
111
13
2
2
71
9
4
3
15
0
29
-8
0
0
4
-8
1
-8
0
33
0no
85
208
2
73
11
0
0
100
-7
7
8
13
2
38
1
2
2
19
-8
2
2
1
80
0no
77
200
2
45
18
0
0
100
-7
7
8
19
3
58
0
6
6
20
87
2
2
0
80
0no
66
199
4
119
33
4
1
90
2
3
5
41
2
39
0
1
1
54
98
10
2
4
86
0no
70
118
6
52
24
0
0
88
-8
6
6
26
5
38
1
2
2
54
-8
2
1
1
60
1yes
91
228
18
127
16
0
0
100
-7
7
8
18
0
33
17
0
0
1
-8
2
-8
0
33
0no
80
184
8
127
19
0
0
100
-7
7
8
20
1
50
20
0
0
44
36
2
2
1
80
0no
89
171
3
90
14
0
0
100
-7
7
8
15
1
27
3
1
1
3
29
1
2
0
60
0no
59
180
5
55
45
1
1
80
0
4
4
49
6
65
1
2
2
20
87
7
4
0
80
1yes
66
124
8
58
33
0
0
94
1
4
6
35
1
39
0
2
2
54
56
3
3
0
89
1yes
71
176
6
74
29
0
0
100
-7
7
8
29
3
34
0
1
1
54
36
5
2
3
70
0no
84
143
3
72
22
0
0
100
-7
7
8
22
1
50
4
1
1
0
70
0
3
-8
50
0no
83
157
4
94
19
0
0
100
-7
7
8
19
1
32
22
0
0
20
-8
2
1
1
50
0no
83
265
11
97
46
0
0
100
-7
7
8
48
1
69
17
0
0
13
79
5
3
0
75
0no
83
257
5
68
22
0
0
100
-7
7
8
22
2
41
1
2
2
2
60
3
6
0
64
0no
84
209
47
118
11
0
0
100
-7
7
8
14
0
36
6
0
0
11
-8
3
1
0
67
0no
74
21
4
12
6
0
0
100
-7
7
8
6
3
17
19
0
0
26
76
3
1
1
80
0no
66
165
13
55
15
3
3
94
69
6
2
17
0
76
0
4
3
86
76
1
3
1
80
1yes
55
241
5
89
11
3
2
71
2
4
3
14
1
64
0
1
1
78
75
3
2
1
83
1yes
84
115
12
50
9
0
0
100
-7
7
8
11
0
9
19
0
0
0
-8
0
1
0
20
1yes
91
178
100
132
5
0
0
100
-7
7
8
7
0
71
3
1
1
0
-8
0
-8
0
0
0no
54
136
4
62
28
1
0
93
3
4
5
30
3
28
4
1
1
64
86
8
3
3
73
1yes
89
169
10
109
14
0
0
100
-7
7
8
15
1
27
21
0
0
37
-8
1
-8
0
33
0no
69
155
12
81
8
0
0
75
8
4
6
8
0
75
0
1
1
0
58
0
2
-8
67
1yes
65
179
19
99
24
1
0
76
0
4
5
25
0
32
22
0
0
26
71
10
2
1
86
1yes
73
126
1
39
24
0
0
96
14
6
6
26
6
64
3
2
1
14
97
2
4
0
67
1yes
76
121
8
53
25
0
0
100
-7
7
8
25
3
48
8
0
0
22
75
3
3
0
67
0no
67
260
23
90
20
0
0
88
58
5
6
24
0
38
22
0
0
86
40
5
2
4
70
1yes
87
172
11
72
19
0
0
100
-7
7
8
19
1
32
16
0
0
0
25
1
2
0
27
0no
58
167
7
88
24
4
1
67
15
6
4
30
1
57
1
1
1
76
66
6
2
3
100
1yes
88
292
14
105
20
0
0
100
-7
7
8
20
0
50
0
2
2
11
83
2
2
0
50
0no
82
231
28
113
29
0
0
100
-7
7
8
30
0
40
0
2
2
6
-8
3
1
0
80
0no
71
91
5
36
12
0
0
92
66
6
6
12
3
67
11
0
0
18
-8
2
2
0
80
1yes
71
367
7
145
38
0
0
95
59
6
6
41
1
29
1
4
4
21
97
13
2
1
73
1yes
61
177
7
87
10
1
0
91
3
3
5
12
1
45
8
0
0
75
48
3
4
1
100
1yes
59
382
16
117
18
10
9
65
9
4
3
23
0
35
0
2
2
36
18
3
2
0
56
1yes
55
150
17
70
22
3
3
84
0
4
4
26
0
76
1
1
1
-8
43
-8
4
-8
100
1yes
89
192
25
110
19
0
0
100
-7
7
8
19
0
42
0
1
1
2
-8
2
1
0
75
0no
82
153
5
85
12
0
0
87
64
6
6
15
2
67
-8
0
0
1
73
1
5
0
86
0no
82
221
11
87
25
0
0
100
-7
7
8
25
1
32
11
0
0
15
36
6
3
0
69
0no
54
112
3
54
16
1
0
72
4
3
5
19
2
47
5
0
0
54
49
2
2
1
67
1yes
63
134
2
63
33
0
0
92
25
6
6
37
3
51
5
0
0
45
80
10
4
0
88
1yes
72
158
6
81
11
0
0
80
2
4
6
15
3
7
11
0
0
11
-8
3
1
0
44
0no
78
220
9
86
41
0
0
100
-7
7
8
41
1
20
1
2
2
5
-8
4
2
1
50
0no
81
165
14
95
34
0
0
100
-7
7
8
34
0
32
2
1
1
5
62
6
3
0
60
0no
78
175
7
68
44
0
0
100
-7
6
7
45
3
62
0
3
3
17
92
5
2
0
70
0no
88
294
5
84
15
0
0
100
-7
7
8
15
2
53
4
1
1
2
82
2
2
0
50
0no
63
324
8
119
30
1
1
70
3
6
2
33
2
12
1
1
1
12
77
4
2
1
62
1yes
81
270
10
109
6
0
0
100
-7
7
8
6
2
0
1
1
1
76
-8
1
-8
1
33
1yes
75
364
12
123
43
0
0
98
24
6
6
43
0
26
2
1
1
1
31
7
2
1
45
0no
81
291
42
135
6
0
0
67
77
5
6
6
0
50
0
0
0
17
-8
2
-8
0
67
0no
85
273
12
113
15
0
0
100
-7
7
8
16
0
19
0
0
0
1
-8
4
1
0
56
0no
85
133
2
68
43
0
0
100
-7
7
8
47
6
34
0
0
0
2
86
2
3
0
31
0no
61
189
35
107
8
4
4
70
12
6
6
10
0
40
0
2
2
0
-8
0
1
-8
50
1yes
75
200
6
66
40
0
0
98
26
6
6
40
1
45
0
1
1
27
74
1
3
1
31
0no
60
280
18
122
22
0
0
91
0
4
6
23
0
35
0
0
0
34
64
6
2
3
80
1yes
68
265
4
93
31
1
1
91
6
4
6
34
1
62
0
0
0
0
69
1
9
0
85
0no
55
152
6
78
23
2
1
87
1
4
3
31
3
58
0
0
0
0
91
0
2
0
75
1yes
89
186
18
86
10
0
0
100
-7
7
8
10
0
20
0
1
1
0
-8
1
-8
0
20
0no
86
155
3
68
33
0
0
100
-7
7
8
36
2
42
0
1
1
2
98
2
1
0
60
0no
63
207
5
87
19
0
0
100
-7
7
8
20
2
20
0
2
2
10
32
3
3
0
46
0no
77
281
9
90
37
0
0
100
-7
7
8
37
1
38
0
1
1
34
53
3
4
1
62
1yes
74
207
3
72
43
0
0
100
-7
7
8
43
3
35
0
1
1
10
53
10
2
0
65
0no
81
155
4
55
28
0
0
100
-7
7
8
29
4
36
2
2
2
2
94
4
2
0
46
0no
87
151
5
82
29
0
0
100
-7
6
7
33
3
73
10
0
0
9
60
1
6
0
70
0no
79
175
1
59
21
0
0
100
-7
7
8
22
2
68
1
1
1
46
92
2
3
1
71
0no
89
209
54
101
11
0
0
100
-7
7
8
11
0
55
6
0
0
3
-8
1
1
0
50
0no
79
114
9
49
28
0
0
100
-7
7
8
28
2
36
0
1
1
2
42
3
3
0
43
0no
79
284
4
96
51
0
0
98
24
6
6
53
3
42
0
2
2
10
-8
3
1
0
40
0no
66
287
13
100
16
1
0
65
21
6
5
20
0
45
2
1
1
93
62
2
3
1
100
0no
69
252
3
90
44
1
0
91
7
4
5
46
4
20
4
1
1
23
100
11
2
1
78
0no
61
187
6
54
26
0
0
88
47
6
6
26
1
42
0
1
1
66
76
3
3
2
75
1yes
90
208
14
87
13
0
0
100
-7
7
8
14
0
29
13
0
0
15
82
1
2
0
38
0no
85
149
9
76
17
0
0
100
-7
7
8
17
1
41
2
2
2
14
18
2
2
0
80
0no
90
415
34
132
11
0
0
100
-7
7
8
15
0
40
11
0
0
3
-8
1
1
0
40
0no
80
291
6
94
22
0
0
100
-7
7
8
24
1
68
6
0
0
7
-8
2
1
0
75
0no
80
138
44
97
26
0
0
100
-7
7
8
34
0
62
6
0
0
8
-8
1
1
0
33
0no
69
136
14
73
16
4
3
70
62
6
2
20
0
50
1
1
1
3
86
1
2
0
60
1yes
66
208
3
83
24
0
0
92
4
4
6
25
3
32
5
0
0
44
-8
6
1
0
70
1yes
88
178
14
97
8
0
0
100
-7
7
8
8
0
38
15
0
0
0
77
2
1
0
75
0no
71
59
2
21
6
0
0
100
-7
7
8
8
4
50
1
2
2
44
95
2
2
0
67
0no
80
118
13
74
11
0
0
100
-7
7
8
11
0
73
-8
0
0
25
84
1
2
0
75
1yes
60
83
9
49
31
1
1
97
16
0
6
32
1
16
0
4
4
68
40
14
2
3
76
0no
69
266
5
93
22
2
0
89
28
6
5
27
2
41
9
0
0
27
92
6
2
1
67
1yes
66
458
2
113
8
2
1
73
4
3
4
11
2
36
2
1
1
1
-8
1
-8
0
100
1yes
84
200
12
69
18
0
0
100
-7
7
8
18
0
39
13
0
0
1
86
2
2
0
40
0no
86
252
1
78
7
0
0
100
-7
7
8
10
3
30
4
3
3
29
-8
1
2
0
50
0no
82
157
6
80
24
0
0
96
26
6
6
26
2
77
4
1
1
10
56
1
2
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
68
184
2
69
7
0
0
58
1
4
6
12
2
67
6
0
0
4
57
2
5
0
78
0no