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
73
188
2
58
23
0
0
100
-7
7
8
25
5
40
0
4
4
43
87
5
3
2
62
0no
84
411
23
91
10
0
0
100
-7
6
8
11
0
36
0
0
0
17
-8
2
-8
0
100
0no
75
221
6
43
58
0
0
100
-7
7
8
59
10
5
0
2
2
15
95
6
2
2
27
0no
73
85
6
38
10
0
0
100
-7
7
8
10
2
50
0
1
1
81
-8
1
1
0
50
1yes
65
87
2
46
18
1
1
100
-7
7
8
20
3
16
0
4
4
39
-8
3
1
1
40
1yes
70
213
4
90
36
0
0
97
45
6
6
36
1
39
0
1
1
93
67
5
4
3
100
1yes
65
305
8
93
25
3
2
85
36
6
4
28
1
33
0
2
2
70
-8
5
1
2
88
0no
91
428
22
132
9
0
0
100
-7
7
8
12
0
25
0
0
0
1
-8
2
1
0
80
0no
89
270
2
122
14
0
0
100
-7
7
8
15
1
33
0
1
1
2
-8
2
2
0
57
0no
73
190
18
88
28
0
0
89
12
6
6
28
0
39
0
3
3
21
62
3
2
0
63
1yes
68
310
3
96
33
1
1
97
68
6
2
34
4
26
0
4
4
73
89
6
4
3
71
0no
71
83
11
46
22
0
0
95
8
4
6
22
2
14
0
1
1
34
-8
3
2
0
71
1yes
86
333
6
93
32
0
0
100
-7
7
8
32
3
22
0
0
0
6
-8
6
2
0
44
0no
81
146
16
63
3
0
0
100
-7
7
8
3
0
67
0
1
0
-8
86
-8
2
-8
100
1yes
74
340
4
126
49
0
0
96
-8
6
6
51
4
29
0
2
2
28
-8
12
1
2
74
0no
69
80
7
46
6
3
2
75
50
6
4
9
2
50
0
1
0
30
93
1
2
0
75
1yes
86
130
9
49
17
0
0
100
-7
7
8
17
1
24
0
0
0
7
132
1
4
0
50
0no
86
166
2
77
9
0
0
100
-7
6
8
10
1
40
0
5
5
7
-8
1
1
0
33
0no
64
460
3
130
23
0
0
96
0
4
6
23
6
9
0
0
0
34
92
7
1
3
67
1yes
77
126
3
66
55
0
0
100
-7
7
8
58
2
41
0
0
0
59
67
4
6
1
91
0no
73
107
10
70
20
0
0
95
-8
6
6
21
1
86
0
4
4
81
93
2
3
2
83
1yes
74
202
23
68
27
0
0
93
7
4
6
27
0
30
0
0
0
16
48
3
3
0
46
1yes
62
80
2
47
24
0
0
96
59
6
6
25
1
48
0
0
0
73
113
5
5
2
91
1yes
67
69
3
43
6
3
1
50
10
4
4
10
1
60
0
5
3
27
101
1
2
0
60
1yes
70
112
7
51
27
1
0
96
79
5
5
28
3
36
0
0
0
49
85
7
3
2
83
1yes
58
80
27
62
11
2
1
83
33
6
5
13
0
50
0
1
1
82
42
3
3
2
100
1yes
86
199
1
83
17
0
0
100
-7
7
8
19
3
37
0
2
2
1
21
1
3
1
33
0no
63
380
3
94
20
2
2
100
-7
0
8
20
3
50
0
7
7
37
35
5
2
1
78
1yes
56
239
3
98
12
0
0
75
1
4
6
12
1
25
0
3
3
69
82
7
3
2
100
1yes
69
57
19
34
4
2
2
67
35
6
3
6
0
33
0
4
4
-8
-8
1
-8
-8
100
1yes
61
282
2
86
40
1
1
95
1
0
2
42
4
14
0
3
3
40
100
8
2
2
55
0no
66
244
1
69
15
1
1
94
-7
5
7
18
4
59
0
0
0
61
96
1
3
-8
80
1yes
88
393
16
158
15
0
0
100
-7
7
8
16
0
13
0
0
0
9
-8
3
1
0
50
0no
59
128
11
55
11
1
1
75
4
0
2
12
1
25
0
0
0
20
91
3
2
0
71
1yes
80
262
0
72
22
0
0
100
-7
7
8
24
1
17
0
1
1
20
74
5
1
2
38
1yes
85
141
6
78
10
0
0
91
77
6
6
12
1
27
0
3
3
1
-8
1
1
0
50
0no
57
153
13
53
17
0
0
88
6
4
6
17
0
18
0
0
0
86
-8
4
1
3
71
0no
74
197
1
93
31
1
0
86
29
6
5
35
3
26
0
2
2
28
27
2
4
0
40
1yes
54
316
15
116
16
3
1
57
3
2
4
21
0
14
0
2
2
28
-8
4
-8
0
50
1yes
83
296
43
128
8
0
0
100
-7
7
8
8
0
38
0
1
1
10
84
2
1
0
50
0no
60
141
5
66
12
7
5
59
19
6
3
18
4
35
0
3
3
22
-8
2
-8
0
50
1yes
63
132
6
74
12
1
0
86
5
4
5
14
1
43
0
0
0
74
48
3
2
2
75
0no
69
51
4
20
6
2
2
86
54
6
2
9
3
43
0
3
3
48
71
3
2
0
100
1yes
66
189
5
101
16
5
4
71
62
6
2
22
1
29
0
2
2
37
-8
6
1
2
100
0no
77
292
8
84
20
0
0
100
-7
7
8
20
1
70
0
4
4
51
57
3
3
1
78
1yes
63
112
4
54
17
1
1
89
21
6
2
19
1
37
0
0
0
72
97
7
3
4
91
1yes
65
111
19
63
23
1
1
92
25
6
2
25
0
64
0
4
4
72
114
1
8
0
90
1yes
67
126
1
40
9
1
1
100
-7
7
8
11
4
30
0
1
1
36
50
2
2
0
50
1yes
71
200
8
74
35
0
0
97
38
6
6
39
3
56
0
0
0
82
92
4
6
3
91
1yes
66
59
9
40
7
0
0
86
16
6
6
7
1
71
0
0
0
0
64
0
4
-8
67
1yes
67
250
6
103
26
0
0
88
1
4
6
26
1
35
0
0
0
79
60
4
2
2
75
1yes
60
110
25
53
1
1
0
67
7
4
5
4
0
67
0
6
6
-8
-8
-8
-8
-8
-8
1yes
66
187
4
38
18
1
0
95
62
6
5
22
5
36
0
4
4
46
79
6
4
1
92
1yes
56
91
16
54
4
6
2
27
12
6
3
11
0
55
0
8
8
104
86
2
1
1
100
1yes
55
152
66
113
13
7
6
65
4
0
2
23
0
22
0
1
1
56
-8
2
1
2
57
1yes
73
188
2
83
18
1
1
95
29
6
2
22
1
27
0
11
11
30
-8
4
2
0
67
1yes
70
43
4
21
11
0
0
100
-7
7
8
13
4
38
0
3
3
64
98
4
3
1
88
1yes
66
202
9
82
23
2
2
96
0
4
6
26
1
17
0
0
0
33
70
7
3
0
63
1yes
68
86
2
32
26
0
0
100
-7
7
8
28
5
25
0
4
4
22
92
5
3
0
57
0no
70
206
9
108
30
3
3
97
-8
6
6
34
1
66
0
1
1
0
50
1
2
-8
80
0no
72
78
10
44
12
1
1
92
55
6
3
13
1
15
0
0
0
58
-8
3
1
0
86
1yes
60
12
5
9
2
0
0
100
-7
7
8
2
1
100
0
6
5
-8
97
-8
2
-8
100
1yes
66
138
6
75
42
0
0
100
-7
5
8
46
2
46
0
1
1
89
92
6
2
2
100
1yes
64
150
8
48
23
0
0
96
23
6
6
23
2
61
0
2
2
65
96
2
6
1
73
0no
67
144
9
60
18
0
0
95
6
4
6
20
3
25
0
3
1
70
91
3
2
2
83
1yes
67
83
2
36
30
0
0
97
25
6
6
32
8
44
0
3
3
39
89
4
8
0
80
0no
73
201
16
108
13
0
0
93
12
6
6
14
0
21
0
0
0
47
77
6
2
1
89
1yes
58
108
4
49
11
2
1
57
6
4
2
14
3
71
0
4
3
0
74
1
4
-8
83
1yes
84
73
6
40
6
0
0
100
-7
7
8
6
1
67
0
1
1
1
91
1
2
0
100
1yes
89
344
6
137
19
0
0
100
-7
7
8
20
1
25
0
1
1
10
-8
3
2
0
63
0no
54
336
13
93
17
1
1
89
4
2
4
18
0
33
0
4
4
65
53
4
2
2
75
1yes
70
37
13
22
9
0
0
100
-7
5
8
9
0
11
0
0
0
39
-8
5
1
1
67
0no
60
264
22
53
10
2
2
100
-7
0
8
12
0
40
0
1
1
92
63
4
2
2
86
1yes
74
156
2
51
14
0
0
100
-7
7
8
15
3
47
0
4
4
31
69
3
2
0
83
0no
67
255
1
104
41
6
6
88
12
6
6
48
1
21
0
1
1
30
59
3
4
1
39
0no
72
290
0
59
21
2
2
92
26
6
6
26
5
35
0
10
9
2
82
4
6
0
58
1yes
70
315
3
108
7
2
1
80
48
6
4
10
2
30
0
2
2
94
-8
2
1
1
100
1yes
76
111
1
50
20
0
0
95
79
6
6
22
3
45
0
1
1
25
83
2
3
1
63
0no
62
265
14
104
28
6
1
67
16
5
5
40
0
44
0
4
4
78
77
5
2
1
78
1yes
75
351
13
155
25
0
0
100
-7
6
7
25
0
16
0
0
0
56
-8
7
1
2
60
0no
57
71
4
32
24
0
0
92
9
4
6
24
4
46
0
2
2
53
83
5
6
2
87
1yes
66
205
2
43
10
0
0
100
-7
7
8
11
3
64
0
3
3
100
53
2
4
2
100
1yes
79
161
16
92
18
0
0
100
-7
7
8
20
0
40
-7
0
0
65
71
3
2
2
83
0no
79
81
6
46
24
0
0
100
-7
7
8
24
1
25
-7
4
4
13
-8
2
1
0
43
0no
88
112
16
61
16
0
0
100
-7
7
8
16
0
13
-7
0
0
7
-8
2
1
0
60
0no
90
182
4
129
15
0
0
100
-7
7
8
17
1
29
-7
1
1
0
98
0
2
0
40
0no
72
88
8
70
19
2
2
95
49
6
2
20
1
10
-7
0
0
0
-8
0
-8
0
9
0no
61
113
20
54
3
5
5
50
29
5
2
6
0
67
-7
0
0
-8
10
-8
2
-8
100
0no
75
181
2
69
15
0
0
100
-7
7
8
16
2
50
-7
3
3
56
78
6
4
2
91
1yes
56
308
7
98
23
8
7
75
12
0
2
28
1
46
-7
5
5
5
37
1
2
-8
43
0no
65
182
2
50
18
1
0
90
6
3
5
21
5
57
-7
8
7
58
88
4
3
0
88
1yes
85
160
20
55
27
0
0
100
-7
7
8
28
0
22
-7
2
2
11
-8
3
1
0
50
0no
88
138
2
71
21
0
0
100
-7
7
8
24
3
33
-7
0
0
4
-8
2
1
0
75
1yes
72
155
7
71
46
1
1
100
-7
7
8
48
1
38
-7
5
5
7
82
5
5
0
53
0no
69
72
3
48
14
1
0
87
20
6
5
15
2
7
-7
1
1
29
-8
5
1
0
58
1yes
69
188
3
54
9
1
0
80
9
4
5
11
1
70
-7
2
2
-8
115
-8
3
-8
100
1yes
59
123
4
66
32
1
1
88
6
4
6
32
2
31
-7
0
0
36
76
5
4
2
56
1yes
73
182
15
72
17
2
2
89
14
6
2
20
0
37
-7
4
4
8
28
3
2
0
83
0no
73
163
14
62
14
1
1
100
-7
6
8
15
0
60
-7
2
2
17
66
1
3
-8
80
0no
63
242
2
68
25
0
0
100
-7
7
8
26
1
19
-7
3
3
73
-8
12
1
5
87
1yes