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
298
2
127
27
0
0
97
77
6
6
29
1
45
-8
0
0
62
79
5
4
0
90
0no
62
281
1
54
41
0
0
85
2
4
6
47
7
47
0
6
5
34
87
7
3
1
67
1yes
74
211
8
74
40
1
1
95
47
6
3
45
9
60
8
0
0
15
109
1
9
0
83
0no
81
187
1
63
29
0
0
100
-7
7
8
31
6
45
1
2
2
15
22
5
5
0
53
0no
73
280
8
104
49
0
0
96
60
6
6
52
1
23
2
2
2
51
91
4
2
1
43
0no
79
112
2
52
39
0
0
100
-7
7
8
77
3
12
1
2
2
22
51
4
2
1
55
0no
83
396
4
207
7
0
0
100
-7
7
8
7
1
0
1
2
2
45
-8
2
-8
1
40
0no
86
178
7
75
19
0
0
100
-7
7
8
19
2
16
0
1
1
11
-8
6
-8
0
46
0no
77
158
23
104
20
0
0
100
-7
7
8
22
0
32
0
1
1
72
-8
1
1
1
50
0no
77
148
5
84
14
0
0
100
-7
7
8
15
1
53
4
1
1
57
54
1
3
1
83
0no
65
332
2
139
16
1
0
89
1
3
5
18
2
0
1
1
1
5
-8
9
-8
0
60
0no
69
141
6
55
14
0
0
100
-7
7
8
14
2
14
1
1
1
58
38
2
1
1
43
0no
90
178
47
100
16
0
0
100
-7
7
8
16
0
56
1
1
1
0
-8
0
1
0
50
0no
69
194
9
81
44
1
0
98
40
6
5
45
3
44
2
1
1
45
96
5
4
0
75
0no
69
150
18
76
19
0
0
95
27
6
6
21
0
33
1
1
1
34
-8
1
1
1
67
1yes
80
188
8
66
22
0
0
100
-7
7
8
26
1
13
2
2
1
2
-8
4
-8
0
27
0no
73
197
27
109
6
1
1
100
-7
6
8
7
0
71
-8
0
0
8
-8
1
2
0
100
0no
84
338
9
100
41
0
0
100
-7
7
8
41
1
17
8
0
0
4
-8
2
-8
0
18
0no
86
191
7
80
25
0
0
100
-7
7
8
26
3
50
1
2
2
16
98
1
1
0
50
0no
73
135
3
93
6
3
1
75
79
6
4
12
1
67
1
3
3
0
118
0
2
-8
67
0no
84
144
2
74
30
0
0
100
-7
6
7
34
2
50
0
2
2
4
85
2
3
0
71
0no
70
178
2
95
43
0
0
100
-7
7
8
55
5
35
1
5
5
71
71
5
3
3
53
1yes
72
180
9
71
29
0
0
97
31
6
6
32
2
59
10
1
0
35
83
5
3
0
67
0no
76
42
21
32
4
0
0
100
-7
7
8
4
0
75
20
0
0
0
67
0
2
-8
67
0no
77
300
2
109
66
2
2
97
22
6
3
77
6
31
6
0
0
29
-8
6
3
1
45
0no
74
212
4
32
22
0
0
100
-7
7
8
22
4
41
6
0
0
38
73
5
5
2
77
1yes
83
155
9
84
22
0
0
100
-7
7
8
22
1
45
-8
0
0
4
74
3
4
0
88
0no
76
121
2
64
17
0
0
89
16
6
6
18
1
50
3
1
1
4
32
2
2
0
67
0no
69
469
4
106
33
1
1
78
8
4
3
36
2
25
-8
0
0
2
-8
5
1
0
38
0no
72
150
7
79
49
1
1
100
-7
6
8
49
1
39
0
4
4
6
-8
5
1
2
33
0no
77
207
4
87
18
0
0
89
64
6
6
19
2
39
9
0
0
12
94
4
2
0
75
0no
61
308
3
67
58
1
1
98
10
0
2
71
8
21
4
1
1
53
41
3
3
0
64
0no
87
430
35
154
14
0
0
100
-7
7
8
14
0
21
-8
0
0
10
-8
2
1
0
60
0no
61
83
1
45
15
0
0
74
10
4
6
20
5
26
0
2
2
20
-8
3
1
0
40
1yes
89
291
64
154
32
0
0
100
-7
7
8
35
0
23
1
4
3
1
-8
2
2
0
57
0no
80
173
2
67
35
0
0
100
-7
7
8
36
1
22
10
0
0
4
100
3
2
0
26
0no
80
49
7
27
7
0
0
100
-7
7
8
7
1
71
1
1
1
0
82
0
1
0
33
0no
86
276
7
77
18
0
0
100
-7
7
8
18
2
28
-8
0
0
7
88
4
2
0
60
0no
88
200
2
74
18
0
0
100
-7
7
8
20
4
25
5
1
1
9
-8
3
1
0
50
0no
88
223
26
95
24
0
0
100
-7
7
8
27
0
4
0
1
1
0
-8
4
1
1
38
0no
69
111
8
58
18
0
0
100
-7
7
8
22
3
36
8
0
0
86
-8
5
1
3
100
1yes
75
98
20
52
7
0
0
100
-7
7
8
7
0
100
-8
0
0
-8
42
-8
3
-8
100
0no
89
464
4
185
15
0
0
100
-7
7
8
15
1
13
-8
0
0
9
94
6
1
0
78
0no
84
352
25
154
14
0
0
100
-7
7
8
15
0
36
-8
0
0
13
-8
2
1
1
50
0no
74
131
8
46
21
0
0
96
47
6
6
24
3
54
1
1
1
30
106
1
9
-8
100
1yes
65
256
15
52
17
0
0
100
-7
7
8
19
0
29
2
5
5
57
79
2
4
2
60
0no
84
239
4
132
10
1
0
91
30
6
5
11
3
36
5
1
1
11
-8
2
2
0
80
1yes
78
215
4
88
22
1
0
88
1
4
5
26
2
20
5
0
0
3
-8
3
-8
0
33
1yes
63
85
6
43
21
0
0
100
-7
7
8
21
2
29
4
1
1
76
56
7
2
3
75
1yes
73
169
4
93
10
0
0
100
-7
7
8
10
1
20
4
1
1
73
-8
4
-8
2
80
1yes
73
367
7
129
30
1
1
91
25
5
3
32
1
34
2
2
2
29
-8
6
2
2
67
1yes
74
149
2
51
30
1
0
97
20
6
5
33
8
15
0
3
3
3
-8
2
2
0
19
0no
71
175
8
46
14
0
0
93
25
6
6
14
1
57
0
1
1
76
-8
2
2
0
80
1yes
56
314
9
111
16
0
0
94
3
4
6
17
2
18
0
0
0
78
96
6
1
3
70
1yes
93
317
163
273
4
0
0
100
-7
7
8
4
0
25
0
0
0
1
-8
2
-8
0
100
0no
61
59
5
27
18
0
0
94
21
6
6
18
4
56
0
2
2
48
62
6
6
0
92
1yes
59
146
5
78
13
1
0
76
13
6
5
17
1
41
0
1
1
124
87
4
1
3
100
1yes
82
566
8
85
49
0
0
100
-7
7
8
49
2
20
0
0
0
17
-8
3
2
0
50
0no
76
197
14
75
26
0
0
100
-7
7
8
28
0
32
0
1
1
49
69
2
3
0
86
1yes
85
77
13
40
8
0
0
100
-7
7
8
8
0
50
0
0
0
4
-8
1
1
0
40
1yes
50
202
2
55
32
3
2
84
3
0
5
39
6
36
0
5
5
69
97
6
6
1
63
1yes
84
85
4
42
5
0
0
100
-7
7
8
5
1
40
0
0
0
0
-8
0
2
0
50
1yes
79
100
12
48
14
0
0
100
-7
7
8
14
0
29
0
0
0
30
-8
1
1
0
33
0no
86
378
10
120
29
0
0
100
-7
7
8
30
2
33
0
0
0
2
84
5
3
0
57
0no
58
154
1
54
27
2
2
100
-7
7
8
34
3
66
0
1
1
94
51
8
3
5
100
1yes
68
158
2
63
42
1
1
91
4
4
4
47
5
40
0
2
2
5
62
4
4
0
57
0no
84
253
4
91
18
0
0
94
28
6
6
18
1
28
0
0
0
0
-8
1
2
0
33
1yes
81
210
22
106
6
0
0
100
-7
7
8
6
0
50
0
0
0
35
-8
2
1
1
100
1yes
75
168
2
99
27
0
0
86
23
6
6
28
2
18
0
2
2
24
51
7
1
0
40
1yes
77
186
35
73
9
1
1
90
-8
6
4
10
0
30
0
0
0
0
11
2
1
0
43
1yes
72
259
5
92
27
0
0
96
38
6
6
27
3
30
0
0
0
14
-8
3
3
1
47
1yes
60
208
4
75
40
1
1
87
14
6
3
45
4
60
0
5
5
91
87
8
5
2
100
1yes
64
228
10
86
18
1
1
85
7
0
2
20
1
55
0
1
1
47
44
3
5
1
83
1yes
86
138
8
73
14
0
0
100
-7
7
8
14
1
14
0
0
0
18
-8
5
1
0
75
1yes
56
300
13
86
29
1
0
78
1
4
5
32
0
56
0
0
0
42
76
5
5
3
71
1yes
87
169
8
61
19
0
0
100
-7
7
8
19
1
26
0
0
0
1
-8
2
1
0
30
0no
61
205
4
78
22
0
0
95
1
4
6
22
2
23
0
0
0
70
75
4
2
3
46
1yes
74
88
4
38
9
0
0
100
-7
7
8
10
3
50
0
1
1
37
8
3
2
1
83
1yes
70
137
7
51
27
0
0
93
12
6
6
27
3
30
0
1
1
43
-8
6
2
3
53
1yes
80
270
18
128
32
0
0
100
-7
7
8
32
0
38
0
0
0
25
31
3
6
1
77
0no
75
100
4
48
17
0
0
100
-7
7
8
18
1
44
0
0
0
49
36
3
2
2
71
0no
64
93
2
50
20
1
1
76
32
6
6
22
5
24
0
1
1
58
-8
4
1
2
45
0no
73
109
3
65
27
1
1
100
-7
7
8
28
2
15
0
1
1
13
51
4
2
1
35
0no
73
198
6
66
22
1
0
96
30
6
5
23
4
43
0
0
0
18
55
8
2
1
83
1yes
81
273
9
101
11
1
0
77
24
6
5
13
1
15
0
0
0
20
-8
1
1
0
29
0no
68
221
7
89
19
4
0
83
53
6
5
23
1
39
0
0
0
70
100
2
2
2
40
1yes
76
71
6
34
13
0
0
100
-7
7
8
15
2
40
0
1
1
27
83
2
3
0
63
1yes
65
302
16
91
43
2
2
91
11
4
2
45
0
44
0
0
0
25
61
10
4
1
67
1yes
65
265
11
64
16
0
0
88
37
6
6
17
1
24
0
1
1
76
-8
8
1
2
100
1yes
80
151
8
62
15
0
0
100
-7
7
8
16
1
19
0
2
2
2
-8
4
1
0
50
0no
64
81
59
70
1
1
1
50
30
6
2
2
0
50
0
0
0
-8
-8
-8
1
-8
100
0no
54
167
6
60
10
1
1
82
5
4
3
11
2
45
0
0
0
74
98
3
2
2
100
1yes
90
233
14
100
20
0
0
100
-7
7
8
20
0
35
0
0
0
10
-8
4
3
0
54
0no
91
449
4
149
11
0
0
100
-7
7
8
11
2
9
0
0
0
0
-8
1
1
0
25
1yes
68
187
9
75
29
0
0
100
-7
7
8
29
1
41
0
1
1
89
72
3
3
2
75
1yes
62
159
2
62
11
2
1
53
12
6
3
17
4
29
0
1
1
38
92
3
1
0
44
1yes
77
169
2
69
40
0
0
100
-7
7
8
42
3
12
0
3
2
14
89
9
1
0
36
1yes
65
156
7
42
11
2
2
100
-7
6
8
11
2
55
0
1
1
59
29
5
2
3
100
1yes
73
178
1
66
9
2
2
92
56
6
2
13
2
54
0
2
2
40
76
1
3
0
83
0no
77
107
3
52
22
0
0
100
-7
7
8
24
3
33
0
1
1
17
100
4
2
1
55
1yes