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
61
216
2
61
23
4
4
96
69
6
6
26
4
21
0
2
2
43
99
11
3
2
70
1yes
69
125
2
60
7
2
2
80
38
6
3
10
3
30
0
5
3
52
93
2
1
1
75
1yes
71
285
3
84
25
1
0
93
26
6
5
27
1
33
0
7
7
30
38
2
4
1
78
1yes
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
71
170
9
88
43
2
2
93
6
4
2
46
2
17
0
1
1
33
100
8
4
1
60
1yes
86
456
31
181
18
0
0
100
-7
7
8
18
0
22
0
0
0
14
-8
1
2
0
33
0no
69
153
10
62
8
0
0
75
11
4
6
8
1
50
0
0
0
51
83
2
2
1
80
1yes
59
128
19
64
3
2
0
20
3
3
5
5
0
80
0
0
0
0
90
0
2
-8
67
1yes
55
159
5
76
14
3
1
63
0
0
2
19
2
47
0
0
0
45
46
2
4
0
100
1yes
59
336
15
91
41
1
1
84
13
5
2
44
0
36
0
0
0
64
87
13
6
4
100
1yes
72
221
1
62
20
1
0
95
57
6
5
22
2
14
0
2
2
16
-8
4
1
0
43
1yes
66
119
1
47
14
0
0
100
-7
7
8
16
6
38
0
3
3
74
100
5
1
2
86
1yes
84
315
7
150
20
0
0
95
42
6
6
20
1
25
0
0
0
13
89
5
2
0
64
0no
73
183
11
87
21
1
1
91
2
0
2
23
1
43
0
0
0
15
40
4
4
0
69
0no
78
79
33
58
9
0
0
78
9
4
6
9
0
33
0
0
0
3
-8
1
-8
0
33
1yes
79
507
23
197
21
0
0
100
-7
7
8
21
0
29
0
0
0
64
53
6
3
2
83
0no
61
114
18
63
16
1
1
72
8
0
6
19
0
56
0
0
0
13
-8
1
1
0
50
1yes
72
133
4
58
20
0
0
100
-7
7
8
20
2
30
0
1
1
56
83
5
3
2
100
1yes
74
183
6
76
19
0
0
100
-7
7
8
19
2
26
0
0
0
44
15
4
2
2
75
1yes
56
68
4
25
22
0
0
91
31
6
6
22
8
27
0
2
2
81
91
9
3
3
71
1yes
62
215
7
81
23
2
1
80
16
6
2
25
1
20
0
2
1
65
100
9
1
3
71
1yes
56
128
8
64
8
3
1
50
2
3
2
12
1
42
0
0
0
21
49
2
1
0
60
0no
66
83
1
43
29
0
0
100
-7
7
8
30
6
23
0
7
7
29
61
7
5
3
50
1yes
66
76
7
41
22
0
0
95
-7
5
7
22
2
18
0
2
2
79
75
8
2
5
83
1yes
56
79
35
56
6
3
0
67
3
4
5
9
0
33
0
0
0
54
-8
1
1
0
100
1yes
83
479
11
114
30
0
0
100
-7
7
8
30
1
13
0
1
0
2
-8
2
1
1
21
0no
68
308
8
106
12
1
0
57
22
6
5
14
1
43
0
2
2
89
-8
4
1
1
83
1yes
87
387
13
168
16
0
0
100
-7
7
8
16
0
38
0
0
0
1
-8
2
1
0
38
0no
61
194
1
67
21
4
0
64
12
5
5
28
4
46
0
0
0
41
-8
3
1
0
44
1yes
80
94
23
51
9
0
0
100
-7
7
8
9
0
56
0
0
0
26
77
1
2
0
60
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
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
1yes
72
169
30
73
6
0
0
86
-8
6
6
7
0
57
0
0
0
78
81
1
2
1
75
1yes
83
269
14
122
17
0
0
100
-7
7
8
17
0
47
0
0
0
24
-8
4
1
0
100
0no
57
177
10
74
10
3
2
69
5
1
3
13
1
38
0
4
4
8
31
1
3
0
67
1yes
60
9
3
5
5
0
0
100
-7
7
8
5
5
20
0
7
7
36
-8
2
1
1
80
1yes
64
116
8
62
7
1
0
67
63
5
5
9
1
22
0
4
4
93
-8
5
-8
3
100
1yes
80
175
6
59
19
0
0
100
-7
7
8
19
1
16
0
3
3
12
-8
6
1
0
58
1yes
86
243
5
87
16
0
0
100
-7
7
8
16
4
44
0
1
1
9
100
2
2
0
57
0no
82
132
5
55
18
0
0
100
-7
7
8
19
2
47
0
0
0
21
55
1
4
-8
63
0no
67
181
6
62
27
0
0
96
26
6
6
27
4
26
0
2
2
34
-8
3
1
2
33
0no
76
94
2
36
8
0
0
100
-7
7
8
9
3
56
0
1
1
35
96
1
2
0
60
1yes
73
269
14
91
28
0
0
97
-8
6
6
34
0
26
0
0
0
49
70
5
4
2
75
1yes
73
102
6
50
17
0
0
100
-7
7
8
17
1
35
0
1
1
49
57
3
1
1
57
1yes
56
160
23
80
16
0
0
83
6
4
6
18
0
44
0
0
0
112
91
6
2
6
89
1yes
76
148
19
46
18
0
0
100
-7
7
8
19
0
21
0
0
0
33
13
3
1
0
67
0no
65
121
9
48
20
1
1
95
14
0
6
21
1
25
0
0
0
49
42
6
3
0
75
1yes
58
199
37
83
23
0
0
78
6
4
6
23
0
17
0
0
0
98
2
12
2
8
93
0no
84
397
71
199
8
0
0
88
65
6
6
8
0
13
0
0
0
0
-8
0
-8
-8
50
0no
79
274
11
84
40
0
0
100
-7
7
8
40
1
20
0
0
0
19
77
7
1
1
40
0no
63
136
3
73
16
0
0
94
43
6
6
16
2
19
0
7
6
98
-8
5
1
4
100
1yes
80
331
27
160
13
0
0
92
20
6
6
13
0
23
0
0
0
0
-8
1
2
0
43
0no
88
274
11
105
11
0
0
100
-7
7
8
11
1
18
0
0
0
27
1
3
1
0
67
1yes
67
54
1
20
12
0
0
100
-7
7
8
13
4
38
0
1
1
53
98
5
2
1
70
1yes
59
216
7
72
32
0
0
91
4
4
6
33
3
9
0
1
1
37
82
9
2
4
58
1yes
77
366
15
93
29
0
0
93
30
6
6
30
0
37
0
0
0
20
54
6
3
0
56
0no
56
274
3
95
43
0
0
89
0
4
6
44
4
23
0
1
1
58
47
13
6
7
72
0no
72
103
4
44
23
0
0
100
-7
7
8
24
1
33
0
0
0
33
39
5
2
1
70
0no
59
28
5
15
11
0
0
100
-7
7
8
11
3
64
0
0
0
106
98
2
3
1
100
1yes
57
382
6
125
36
3
0
62
28
6
5
45
4
27
0
2
2
72
93
10
5
3
76
0no
59
68
68
68
1
1
1
100
-7
0
8
1
0
100
0
0
0
-8
-8
-8
1
-8
100
1yes
75
216
20
118
11
0
0
91
16
6
6
11
0
18
0
0
0
41
-8
4
1
0
63
0no
82
336
33
142
15
0
0
100
-7
7
8
15
0
13
0
1
1
29
-8
4
-8
1
57
0no
76
194
1
67
12
0
0
100
-7
7
8
13
5
23
0
1
1
59
90
7
2
1
90
1yes
60
181
8
60
32
1
1
97
21
6
6
32
1
16
0
1
1
75
79
11
2
9
87
1yes
79
325
13
99
23
1
0
96
75
6
5
24
0
29
0
1
1
50
30
4
3
1
70
0no
62
101
1
39
12
0
0
92
41
6
6
13
3
0
0
3
3
59
-8
6
-8
2
86
0no
80
121
7
58
11
0
0
91
56
6
6
11
1
0
0
1
1
15
-8
4
-8
1
80
0no
75
257
44
124
4
0
0
75
19
6
6
4
0
75
0
0
0
14
-8
1
-8
-8
100
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
86
143
1
79
8
0
0
100
-7
7
8
9
1
44
0
0
0
13
-8
4
2
0
86
0no
63
270
3
67
6
3
1
50
22
6
3
10
3
30
0
0
0
61
87
4
2
0
86
0no
88
414
10
78
8
0
0
100
-7
7
8
8
1
25
0
0
0
8
43
1
1
0
40
0no
66
425
3
63
12
1
0
79
18
6
5
14
3
36
0
0
0
23
92
6
2
1
100
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
65
37
5
20
16
0
0
100
-7
7
8
16
5
44
0
0
0
58
84
1
3
1
71
1yes
79
207
3
51
28
0
0
100
-7
7
8
28
5
29
0
2
2
8
71
2
4
1
40
0no
76
108
14
58
18
1
0
95
62
6
5
19
0
42
0
0
0
20
-8
4
2
1
86
1yes
68
156
2
65
25
0
0
97
18
6
6
29
2
21
0
0
0
80
-8
3
1
1
80
0no
77
265
8
82
13
0
0
100
-7
7
8
13
1
38
0
0
0
47
92
3
2
2
83
0no
79
186
9
89
13
0
0
100
-7
7
8
13
1
46
0
0
0
28
50
4
1
1
86
0no
55
262
30
124
9
7
3
31
2
4
3
17
0
50
0
2
2
38
24
1
2
0
75
1yes
75
99
5
56
38
0
0
100
-7
7
8
40
3
55
0
1
1
41
76
6
3
0
75
0no
67
37
11
23
4
0
0
100
-7
7
8
4
1
25
0
0
0
86
-8
1
1
1
67
1yes
80
72
3
43
18
0
0
100
-7
7
8
18
1
22
0
1
1
42
-8
3
1
0
57
1yes
56
154
9
68
19
1
0
75
3
4
5
20
2
30
0
0
0
55
92
5
3
2
80
1yes
70
148
3
59
46
0
0
100
-7
7
8
46
2
35
0
2
2
28
38
4
2
1
41
0no
63
91
5
26
11
1
1
100
-7
7
8
12
5
27
0
1
1
90
42
6
3
1
100
1yes
68
322
21
114
8
1
0
60
4
4
5
10
0
30
0
0
0
13
-8
1
-8
0
100
1yes
78
218
25
118
18
0
0
100
-7
7
8
18
0
33
0
2
2
47
58
4
2
1
60
0no
79
236
6
77
37
0
0
95
33
6
6
37
1
49
0
0
0
7
79
4
4
0
73
0no
56
193
46
88
22
0
0
78
3
4
6
23
0
22
0
1
1
64
37
8
2
4
83
1yes
66
248
2
61
11
1
1
85
9
4
4
13
3
69
0
1
1
95
69
1
2
1
100
1yes
82
302
28
91
19
0
0
100
-7
7
8
20
0
15
0
3
3
2
-8
4
-8
0
50
0no
58
372
38
94
15
1
1
71
5
1
3
17
0
53
0
0
0
35
-8
4
1
0
100
0no
77
201
1
73
23
0
0
100
-7
7
8
25
2
40
0
2
2
42
101
5
2
3
64
1yes
63
285
9
61
15
0
0
88
44
6
6
16
1
63
0
4
4
91
-8
4
2
2
100
1yes
86
289
18
91
38
0
0
100
-7
7
8
38
0
13
0
0
0
7
16
6
3
1
41
0no
89
425
19
186
16
0
0
100
-7
7
8
16
0
19
0
0
0
0
-8
2
-8
0
50
0no
74
215
6
85
29
0
0
100
-7
7
8
30
2
30
0
0
0
37
-8
6
2
1
89
0no