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
79
173
3
89
12
0
0
100
-7
7
8
12
2
25
0
0
0
30
87
4
3
1
80
0no
63
117
1
54
35
1
0
87
22
6
5
39
3
59
0
3
3
33
48
3
5
3
62
0no
72
132
4
63
22
1
0
96
29
6
5
24
4
25
0
2
2
5
94
5
2
1
58
1yes
74
315
2
98
28
0
0
97
2
4
6
31
4
32
0
2
2
9
35
4
3
1
50
0no
61
102
8
57
5
2
1
71
23
6
3
7
2
14
0
0
0
97
-8
3
1
1
80
1yes
81
255
11
121
19
0
0
95
10
4
6
19
1
26
0
0
0
1
96
1
1
0
50
0no
75
102
3
50
15
0
0
100
-7
7
8
16
3
27
0
3
3
41
98
4
2
1
86
1yes
65
296
28
139
8
1
1
89
4
0
2
9
0
22
0
0
0
40
-8
5
-8
0
100
1yes
67
45
5
19
10
2
2
100
-7
6
8
12
3
70
0
1
1
83
95
2
3
-8
100
1yes
60
333
15
112
19
2
2
71
7
2
4
22
0
29
0
2
1
9
85
3
3
0
40
1yes
56
175
2
71
22
2
1
96
3
3
5
24
3
42
0
2
2
70
70
4
6
2
69
1yes
57
45
17
33
5
0
0
80
9
4
6
5
0
0
0
4
4
83
-8
2
-8
2
50
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
61
57
2
37
10
2
1
83
10
4
5
13
1
33
0
0
0
22
45
3
2
0
71
1yes
59
274
3
98
27
0
0
93
1
4
6
28
2
21
0
1
1
54
82
8
2
4
65
0no
66
470
5
93
24
1
0
84
8
4
5
25
2
20
0
0
0
28
-8
3
1
0
36
0no
58
71
8
36
9
0
0
78
2
4
6
9
1
67
0
3
3
93
82
1
2
1
100
1yes
59
185
15
97
21
5
5
75
1
1
2
28
0
25
0
1
1
9
67
2
2
1
44
1yes
73
121
9
64
33
0
0
100
-7
6
8
34
4
35
0
2
2
35
64
10
2
1
92
0no
63
27
8
14
6
0
0
86
12
6
6
7
2
43
0
0
0
66
21
2
2
1
80
1yes
78
191
16
100
10
2
2
91
55
6
2
11
0
45
0
0
0
5
-8
2
1
0
75
1yes
90
363
15
84
37
0
0
100
-7
7
8
39
0
3
0
0
0
1
-8
3
1
0
15
0no
74
182
20
77
14
0
0
86
4
4
6
14
0
14
0
0
0
6
75
1
1
0
29
1yes
87
203
3
93
22
0
0
100
-7
7
8
23
2
22
0
0
0
4
67
5
2
0
47
0no
63
70
6
35
5
2
2
83
66
6
2
7
2
67
0
9
7
15
81
1
2
-8
100
1yes
88
530
5
182
17
0
0
100
-7
7
8
17
2
24
0
0
0
3
81
5
2
0
64
0no
76
97
9
44
14
0
0
100
-7
7
8
14
2
21
0
1
1
32
43
3
2
0
63
0no
55
115
12
60
8
2
2
62
1
0
2
13
0
31
0
0
0
13
0
1
2
0
60
0no
73
203
8
69
18
0
0
100
-7
7
8
19
6
32
0
0
0
64
-8
10
1
5
92
0no
73
64
3
29
13
0
0
100
-7
7
8
13
2
38
0
4
4
22
100
3
2
0
63
1yes
84
220
4
79
24
0
0
100
-7
7
8
24
1
50
0
0
0
36
84
4
4
0
80
1yes
65
273
7
116
18
0
0
84
21
6
6
19
2
47
0
1
1
86
-8
5
2
2
78
1yes
65
151
7
71
13
1
0
79
33
6
2
14
1
36
0
1
1
22
-8
4
1
0
63
1yes
56
140
9
69
16
1
1
94
1
4
6
18
1
47
0
0
0
66
66
3
2
2
71
1yes
68
276
2
59
27
1
1
100
-7
6
8
31
2
42
0
4
4
9
70
3
4
0
47
0no
59
326
7
72
21
0
0
81
4
4
6
21
2
52
0
2
2
23
-8
5
1
1
67
1yes
68
19
9
15
6
0
0
100
-7
7
8
6
2
33
0
2
2
11
99
2
1
-8
75
1yes
73
156
4
60
19
0
0
95
6
4
6
20
2
30
0
0
0
53
-8
4
1
1
56
1yes
60
185
6
45
14
2
2
93
-8
6
6
15
3
67
0
2
2
98
95
3
3
1
100
1yes
75
117
1
59
31
0
0
100
-7
7
8
32
1
19
0
1
1
29
98
3
3
2
43
1yes
61
132
1
71
12
2
0
81
71
6
5
16
3
31
0
5
5
86
-8
7
1
3
80
1yes
61
158
20
71
21
0
0
95
47
6
6
21
0
29
0
1
1
95
-8
7
2
4
100
0no
82
315
23
112
20
0
0
100
-7
7
8
20
0
25
0
0
0
35
11
2
2
1
40
1yes
78
406
5
165
8
0
0
89
21
6
6
9
1
11
0
1
1
30
-8
4
-8
-8
67
0no
87
174
2
59
16
0
0
100
-7
7
8
19
4
21
0
2
2
10
97
6
2
0
89
1yes
57
171
2
50
16
1
1
89
9
4
2
19
3
21
0
4
4
49
79
9
3
2
71
1yes
72
213
1
68
6
1
1
88
7
1
2
8
1
50
0
2
2
0
83
0
2
0
40
1yes
81
183
6
75
45
0
0
100
-7
7
8
45
4
44
0
0
0
34
95
1
4
0
40
0no
76
164
7
72
29
0
0
86
45
6
6
29
2
14
0
0
0
3
14
4
1
1
36
0no
56
212
7
90
1
1
1
25
2
1
3
4
1
0
0
1
1
1
-8
2
-8
0
50
1yes
83
97
10
45
15
0
0
100
-7
7
8
15
2
40
0
0
0
5
69
2
3
0
42
0no
71
71
2
39
28
0
0
97
11
4
6
32
2
13
0
0
0
1
79
3
2
1
26
1yes
85
125
6
59
19
0
0
100
-7
7
8
21
2
5
0
0
0
0
-8
2
1
0
23
0no
84
211
1
60
22
0
0
100
-7
7
8
24
2
29
0
2
2
15
-8
3
2
1
36
1yes
87
158
13
78
10
0
0
100
-7
7
8
11
0
27
0
0
0
4
-8
3
1
0
57
0no
80
115
10
58
16
0
0
94
-8
6
6
16
1
31
0
0
0
18
-8
1
1
0
40
0no
75
260
28
126
22
0
0
100
-7
7
8
22
0
14
0
0
0
47
-8
6
1
3
57
0no
72
74
2
37
35
0
0
100
-7
5
8
37
5
11
0
0
0
31
-8
7
1
2
38
1yes
61
215
14
120
16
0
0
89
4
4
6
18
0
39
0
2
2
45
-8
5
1
2
67
1yes
75
108
1
60
37
0
0
97
16
6
6
39
2
18
0
0
0
12
-8
6
2
0
38
0no
55
179
1
75
22
1
0
83
2
4
5
24
1
29
0
1
1
57
-8
8
-8
3
64
1yes
75
199
2
57
21
0
0
95
-8
6
6
22
3
27
0
0
0
18
98
6
2
0
62
1yes
63
326
2
50
14
1
1
81
24
6
2
16
8
44
0
2
2
62
-8
3
1
2
50
1yes
68
54
4
29
5
0
0
100
-7
7
8
5
2
60
0
0
0
95
69
1
2
-8
100
0no
87
213
5
90
15
0
0
100
-7
7
8
15
2
27
0
1
1
3
-8
4
1
0
56
1yes
65
369
25
145
40
3
3
91
19
6
2
45
0
36
0
2
2
83
46
13
4
6
89
1yes
56
158
11
79
12
0
0
83
0
4
6
12
1
17
0
2
2
98
54
4
2
3
100
1yes
85
140
11
75
16
0
0
100
-7
7
8
16
1
31
0
0
0
13
20
2
2
0
67
0no
64
144
5
64
30
0
0
97
-7
5
7
30
3
53
0
1
1
88
74
8
4
2
92
1yes
86
526
12
137
18
0
0
100
-7
7
8
18
0
44
0
0
0
9
81
6
2
-8
80
0no
81
118
2
60
6
0
0
100
-7
7
8
7
1
14
0
3
3
6
-8
2
-8
1
50
0no
82
182
6
106
10
0
0
100
-7
7
8
10
1
30
0
0
0
65
-8
2
2
0
80
0no
66
269
0
61
40
0
0
98
59
6
6
46
4
17
0
1
1
49
72
6
3
3
45
1yes
72
106
2
34
15
0
0
100
-7
7
8
16
4
25
0
1
1
21
73
4
3
0
58
0no
74
76
4
47
19
0
0
100
-7
7
8
21
2
33
0
0
0
0
79
1
7
0
57
0no
62
81
5
40
17
0
0
89
15
6
6
18
1
33
0
2
2
79
63
5
2
2
88
1yes
74
138
23
89
9
0
0
89
1
4
6
9
0
22
0
0
0
3
-8
1
-8
0
25
0no
87
306
17
128
9
0
0
100
-7
7
8
9
0
33
0
0
0
11
-8
2
1
1
100
0no
84
195
10
75
29
0
0
100
-7
7
8
30
1
7
0
1
1
5
96
2
2
0
36
0no
81
163
22
55
24
0
0
92
16
6
6
24
0
25
0
0
0
0
-8
1
2
0
33
1yes
79
83
2
39
28
0
0
100
-7
7
8
31
4
17
0
3
3
6
89
3
3
0
46
0no
64
202
3
40
15
1
1
100
-7
7
8
16
4
33
0
2
2
87
61
6
2
3
100
0no
64
143
9
79
12
1
1
88
48
6
6
16
2
31
0
0
0
61
83
1
1
1
33
1yes
60
255
2
99
9
1
0
50
4
4
5
14
1
43
0
1
1
64
56
4
4
2
80
1yes
78
96
1
35
12
0
0
100
-7
7
8
13
1
38
0
0
0
11
83
2
2
1
67
1yes
63
223
4
71
19
1
0
75
17
6
5
20
1
55
0
1
1
48
53
5
5
3
91
0no
64
181
3
75
35
0
0
92
3
4
6
37
3
32
0
7
7
21
60
3
2
1
55
1yes
72
261
15
110
10
1
1
100
-7
7
8
11
0
30
0
0
0
41
-8
3
2
0
71
0no
65
385
4
101
36
0
0
84
4
4
6
39
3
21
0
0
0
16
85
9
2
1
52
1yes
70
105
5
38
12
1
1
100
-7
7
8
13
1
17
0
1
1
21
-8
3
1
0
57
1yes
70
312
4
116
26
0
0
81
27
6
6
26
3
12
0
0
0
49
-8
11
-8
2
75
1yes
86
361
12
171
9
0
0
100
-7
7
8
9
0
22
0
0
0
31
16
4
2
0
67
0no
55
168
4
71
4
2
2
40
5
2
4
5
1
20
0
2
2
0
-8
0
-8
-8
0
1yes
54
189
6
85
7
1
0
50
3
3
5
10
1
40
0
0
0
81
-8
4
1
1
100
0no
62
117
4
52
15
0
0
93
-8
6
6
15
2
53
0
2
2
85
41
6
2
2
100
1yes
73
207
4
68
25
0
0
96
17
6
6
26
4
46
0
4
3
0
-8
2
1
0
43
0no
84
150
9
70
28
0
0
100
-7
7
8
28
1
18
0
3
3
0
-8
1
1
0
17
0no
59
237
6
89
23
0
0
71
10
4
6
24
1
25
0
0
0
68
58
10
2
4
81
1yes
84
345
14
94
42
0
0
95
34
6
6
43
0
9
0
1
1
2
74
2
1
0
17
1yes
83
140
4
75
27
0
0
100
-7
7
8
29
4
52
0
3
2
12
100
2
3
0
71
0no