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
75
407
11
109
30
0
0
97
18
6
6
31
1
23
0
4
4
22
-8
4
1
1
42
0no
85
266
18
80
16
0
0
100
-7
7
8
16
0
25
0
0
0
19
-8
5
1
0
75
0no
92
325
27
137
16
0
0
100
-7
7
8
16
0
31
0
0
0
1
-8
2
1
0
38
0no
86
177
5
70
33
0
0
100
-7
7
8
34
3
38
0
3
3
2
-8
2
2
0
36
0no
69
108
7
60
30
0
0
100
-7
7
8
30
1
30
0
1
1
71
68
7
4
4
100
0no
83
464
12
153
16
0
0
94
19
6
6
16
0
19
0
1
1
18
27
2
1
0
75
1yes
63
194
8
67
18
4
4
71
16
6
2
21
2
33
0
1
1
9
-8
1
1
0
25
1yes
74
297
27
94
20
2
2
86
22
6
2
22
0
55
0
1
1
8
56
3
3
0
55
0no
74
189
1
59
42
0
0
100
-7
7
8
44
5
23
0
1
1
3
61
3
2
1
36
0no
67
311
3
56
31
0
0
100
-7
7
8
31
8
45
0
2
2
48
92
8
8
2
94
0no
71
63
3
18
9
0
0
100
-7
7
8
9
3
22
0
3
3
8
98
1
2
0
86
1yes
61
290
8
62
39
0
0
97
2
6
6
41
5
38
1
3
3
30
-8
8
4
1
60
0no
87
374
3
102
44
0
0
98
-7
5
7
44
5
16
1
3
3
4
111
6
2
0
39
0no
78
343
6
83
43
0
0
98
67
6
6
43
1
23
5
0
0
14
80
7
3
0
50
0no
78
367
2
113
39
0
0
100
-7
7
8
41
2
20
1
1
1
11
85
16
2
1
69
0no
72
283
28
131
17
1
1
94
48
6
6
18
0
17
16
0
0
27
-8
3
1
0
57
0no
91
284
28
117
12
0
0
100
-7
7
8
12
0
33
-8
0
0
2
-8
2
1
0
50
0no
65
390
8
90
10
3
2
71
27
6
2
14
1
29
0
4
4
43
-8
2
1
0
75
0no
63
88
3
44
23
1
1
100
-7
6
8
23
2
57
1
3
3
99
83
5
5
3
91
1yes
83
426
10
142
36
0
0
100
-7
7
8
37
1
24
3
1
1
9
71
5
2
0
44
0no
83
229
3
71
14
0
0
100
-7
7
8
14
2
43
0
3
3
0
95
1
4
0
71
0no
69
192
1
67
34
0
0
100
-7
7
8
36
5
42
0
3
3
42
76
4
5
1
79
0no
83
274
7
88
24
0
0
96
51
6
6
24
3
33
22
0
0
13
53
3
3
0
67
0no
82
77
10
42
8
0
0
100
-7
7
8
8
1
25
20
0
0
3
84
2
2
0
57
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
64
111
5
50
14
2
2
81
39
6
2
16
1
31
1
7
7
43
69
4
2
0
100
0no
65
221
11
77
42
0
0
95
34
6
6
42
2
60
-8
0
0
71
68
6
9
3
94
0no
67
124
2
47
38
0
0
100
-7
7
8
39
3
23
0
8
8
56
70
7
4
3
65
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
78
192
3
91
55
0
0
98
12
6
6
57
2
18
3
1
1
1
-8
9
1
0
28
0no
64
84
12
42
13
0
0
100
-7
7
8
13
0
38
11
0
0
90
87
6
2
2
100
0no
63
227
1
72
39
0
0
86
4
4
6
42
2
38
10
0
0
35
93
3
3
0
40
0no
73
113
9
49
7
0
0
86
9
4
6
7
2
43
21
0
0
7
87
1
2
0
100
0no
84
132
6
74
17
0
0
100
-7
7
8
17
1
41
-8
0
0
45
35
3
2
0
63
0no
70
155
5
86
13
1
0
63
14
6
5
16
1
31
4
1
1
44
-8
2
1
2
38
0no
64
162
2
53
14
0
0
100
-7
7
8
15
2
27
2
1
1
63
88
7
3
4
100
0no
55
206
6
77
30
1
1
91
0
4
2
36
2
23
3
1
1
66
52
5
1
2
100
1yes
73
169
7
76
12
1
1
86
9
1
3
14
3
14
1
5
5
14
-8
1
-8
0
33
1yes
75
197
1
91
30
0
0
100
-7
7
8
31
2
26
1
1
1
37
71
5
3
2
64
0no
82
213
3
79
9
0
0
100
-7
7
8
9
1
22
0
2
2
42
54
2
2
1
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
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
-9
0no
79
177
2
68
18
0
0
100
-7
7
8
19
2
37
4
1
1
13
98
2
3
0
56
0no
86
199
8
94
32
0
0
100
-7
7
8
32
1
31
19
0
0
18
39
3
2
0
42
0no
71
85
4
50
48
0
0
100
-7
7
8
49
4
4
2
6
6
12
-8
7
1
1
27
1yes
66
51
13
25
6
0
0
100
-7
7
8
6
0
33
1
1
1
97
-8
4
1
2
100
1yes
77
390
6
103
30
0
0
100
-7
6
7
30
3
43
0
1
1
45
79
3
3
1
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
70
276
3
83
16
1
0
94
48
6
5
17
2
65
-8
0
0
65
96
4
2
0
86
0no
82
139
10
87
21
0
0
100
-7
7
8
22
2
27
1
2
2
12
42
1
2
0
44
0no
76
203
6
79
14
0
0
93
69
6
6
14
1
29
5
0
0
25
-8
3
1
1
80
0no
90
170
12
94
16
0
0
100
-7
7
8
16
0
38
-8
0
0
8
-8
3
1
0
57
0no
84
179
6
77
18
0
0
100
-7
7
8
18
3
17
9
0
0
3
-8
1
2
0
43
0no
62
118
2
80
22
0
0
75
2
4
6
24
1
38
4
2
2
18
55
5
4
0
71
0no
78
479
12
128
30
0
0
90
13
6
6
30
0
30
11
0
0
6
50
6
5
1
61
0no
76
284
7
92
13
1
1
93
66
6
3
15
1
43
4
1
1
27
20
1
3
0
100
0no
59
290
7
70
9
2
1
70
14
6
5
10
2
50
12
0
0
73
52
3
3
1
86
1yes
75
356
15
122
20
1
0
82
8
6
5
22
0
18
18
0
0
23
-8
5
1
0
60
0no
75
176
5
69
44
0
0
100
-7
7
8
44
3
18
5
0
0
34
91
2
3
0
56
0no
73
330
7
131
6
0
0
67
14
6
6
6
1
50
7
0
0
59
-8
2
1
0
75
1yes
72
183
7
72
23
0
0
100
-7
7
8
23
2
26
6
0
0
40
76
11
3
1
88
0no
65
247
5
87
50
0
0
96
3
4
6
52
3
16
4
1
1
11
22
10
2
1
55
0no
80
194
21
97
18
0
0
100
-7
7
8
18
0
22
21
0
0
34
-8
7
1
1
73
0no
73
288
2
82
14
0
0
93
5
4
6
17
1
20
0
2
2
4
69
2
3
0
63
0no
69
119
7
69
41
0
0
98
72
6
6
46
2
72
1
1
1
47
79
5
3
2
67
1yes
64
230
5
68
32
0
0
100
-7
7
8
32
3
38
0
2
2
75
87
9
4
4
76
1yes
71
59
4
33
17
0
0
100
-7
7
8
18
2
41
4
2
2
63
31
3
2
2
56
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
0no
85
278
13
104
23
0
0
100
-7
7
8
23
0
35
5
1
1
42
69
1
3
0
44
0no
68
126
3
63
29
0
0
97
36
6
6
29
3
17
3
2
2
79
-8
4
1
3
83
1yes
87
146
6
85
6
0
0
100
-7
7
8
6
1
50
6
0
0
14
-8
1
2
0
75
0no
73
153
3
75
46
0
0
100
-7
7
8
46
8
17
1
2
2
38
89
3
5
2
44
0no
63
182
9
92
23
0
0
96
24
6
6
23
1
35
0
4
4
88
85
5
4
5
82
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
81
229
7
82
32
0
0
100
-7
7
8
32
2
25
11
0
0
9
54
10
3
0
65
0no
86
167
5
65
46
0
0
100
-7
7
8
47
4
20
4
1
1
2
-8
1
2
0
13
0no
77
197
10
71
33
0
0
100
-7
7
8
33
1
15
8
0
0
37
-8
2
1
1
30
0no
86
191
3
77
38
0
0
100
-7
7
8
40
3
58
5
0
0
6
-8
4
2
1
55
0no
81
158
7
78
14
0
0
100
-7
7
8
15
2
21
7
0
0
15
83
2
3
0
63
0no
79
380
1
156
13
0
0
100
-7
7
8
16
2
19
0
5
4
24
-8
4
1
1
71
1yes
88
182
1
77
15
0
0
100
-7
7
8
16
1
38
2
1
1
2
16
3
2
0
63
0no
70
406
2
96
35
0
0
90
10
4
6
40
1
65
3
1
1
25
76
3
4
1
73
0no
81
230
1
79
23
0
0
100
-7
7
8
24
2
25
3
1
1
18
-8
4
-8
0
57
0no
72
226
8
80
26
0
0
96
36
6
6
27
3
26
9
0
0
44
78
4
3
1
75
0no
63
231
1
65
32
0
0
100
-7
7
8
34
5
38
1
3
3
52
85
8
5
4
68
1yes
80
169
3
71
16
0
0
100
-7
7
8
16
2
13
-8
0
0
33
-8
3
1
1
50
0no
78
151
4
78
21
0
0
95
63
6
6
21
3
19
-8
0
0
14
89
5
2
1
70
0no
77
154
9
63
27
0
0
96
7
4
6
27
1
63
0
2
2
1
80
1
5
0
60
0no
68
279
7
86
9
0
0
89
15
5
6
9
2
78
6
0
0
90
99
2
4
2
100
0no
78
149
5
57
22
0
0
100
-7
7
8
22
3
27
0
1
1
16
96
4
3
0
73
0no
83
61
15
28
13
0
0
100
-7
7
8
13
0
54
17
0
0
3
74
2
3
0
63
0no
73
195
27
86
19
0
0
100
-7
7
8
20
0
40
-8
0
0
76
45
6
1
4
70
0no
81
208
4
79
16
0
0
100
-7
7
8
16
2
31
7
0
0
22
77
2
3
0
63
0no
87
255
10
111
32
0
0
100
-7
7
8
32
2
13
3
1
1
2
-8
1
3
0
27
0no
86
138
16
97
18
0
0
100
-7
7
8
18
0
61
-8
0
0
24
-8
2
1
0
60
0no
82
292
35
137
19
0
0
95
25
6
6
20
0
11
0
2
2
2
-8
1
2
0
30
0no
82
159
3
60
30
0
0
100
-7
7
8
30
4
30
6
0
0
7
35
4
3
0
78
0no
81
220
3
86
44
0
0
100
-7
7
8
46
3
11
0
2
2
0
-8
1
1
0
14
0no
73
138
15
83
19
1
1
95
17
6
4
20
0
10
10
0
0
38
-8
2
1
0
43
0no