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
58
146
3
48
23
1
0
80
22
5
5
25
6
24
-7
1
1
61
85
10
2
1
80
1yes
66
159
2
82
15
1
1
82
24
6
4
22
1
50
-7
3
3
107
-8
2
1
1
100
1yes
54
144
13
77
25
3
1
74
4
4
5
35
0
86
-7
6
6
87
22
2
2
1
100
1yes
72
226
6
127
42
0
0
95
21
6
6
43
2
40
-7
1
1
38
47
10
2
1
71
0no
84
151
2
62
18
0
0
100
-7
7
8
19
1
47
-7
2
2
16
60
4
7
0
79
0no
63
32
4
20
5
0
0
80
17
6
6
5
1
20
-7
2
2
83
33
1
1
1
60
1yes
54
35
14
22
6
1
1
83
6
0
6
6
0
67
-7
2
2
79
86
1
3
1
100
1yes
89
179
5
77
22
0
0
100
-7
7
8
22
1
41
-7
0
0
1
95
1
3
0
80
1yes
61
256
12
99
14
1
0
68
2
4
5
19
0
58
-7
0
0
63
89
2
4
1
88
1yes
72
189
8
125
33
0
0
95
41
6
6
42
1
55
-7
1
0
66
20
4
5
2
67
1yes
65
146
5
80
17
0
0
88
11
4
6
17
2
24
-7
0
0
53
98
7
2
0
90
1yes
73
147
4
66
20
0
0
100
-7
7
8
20
2
50
-7
0
0
74
76
5
4
1
100
1yes
69
161
4
90
19
1
1
89
61
6
6
19
2
26
-7
1
1
38
94
8
1
3
90
1yes
56
197
6
115
16
4
3
74
4
4
2
19
3
32
-7
5
5
12
70
1
2
0
75
1yes
71
207
14
147
26
0
0
89
8
4
6
28
0
36
-7
0
0
1
-8
3
2
0
64
0no
57
225
13
133
24
5
3
71
8
3
2
28
0
36
-7
0
0
94
36
5
3
-8
90
1yes
68
145
15
67
18
2
1
90
8
1
3
20
0
85
-7
3
3
0
64
0
3
-8
75
1yes
78
140
4
68
58
0
0
100
-7
7
8
64
4
35
-7
3
3
17
25
3
2
0
50
0no
72
258
1
69
25
0
0
97
-8
6
6
31
5
23
-7
2
2
57
-8
4
1
1
45
0no
56
56
1
27
16
0
0
100
-7
7
8
17
4
12
-7
0
0
74
36
9
2
5
80
1yes
68
-8
2
114
18
3
3
95
20
6
2
21
2
38
-7
4
4
5
92
1
2
0
50
1yes
80
228
3
80
33
0
0
100
-7
7
8
33
3
36
-7
3
3
22
23
5
4
2
82
0no
74
129
2
67
18
0
0
89
9
4
6
19
2
21
-7
2
2
5
88
2
2
0
44
0no
75
242
1
99
27
1
0
93
19
6
5
30
2
23
-7
0
0
14
63
2
2
0
50
1yes
81
169
7
84
30
0
0
100
-7
7
8
31
1
32
-7
0
0
3
95
2
3
0
36
0no
54
224
3
87
24
2
2
78
0
1
3
27
3
41
-7
1
1
30
-8
10
1
0
85
0no
68
159
7
69
38
0
0
100
-7
7
8
40
3
30
-7
0
0
66
-8
8
1
5
91
1yes
81
201
18
92
30
0
0
100
-7
7
8
32
0
50
-7
0
0
21
84
3
3
0
86
0no
74
160
5
52
16
0
0
100
-7
7
8
16
4
56
-7
2
2
54
45
5
2
1
88
1yes
73
191
17
53
19
0
0
100
-7
7
8
20
0
25
-7
0
0
31
78
4
3
1
54
1yes
56
216
7
82
25
1
1
88
4
0
6
26
1
46
-7
0
0
53
92
8
3
1
85
1yes
80
226
5
61
24
0
0
96
3
4
6
25
2
48
-7
0
0
0
91
1
6
0
58
1yes
78
182
5
63
22
0
0
91
60
6
6
22
1
36
-7
2
2
21
95
2
2
-8
100
1yes
60
159
2
36
27
0
0
96
4
4
6
28
6
36
-7
2
2
58
55
13
3
2
100
1yes
87
194
39
88
8
0
0
100
-7
7
8
9
0
56
-7
0
0
7
-8
2
1
0
75
0no
61
49
5
25
7
0
0
89
28
6
6
9
2
89
-7
2
2
113
97
1
2
1
100
1yes
79
96
3
49
29
0
0
100
-7
7
8
32
3
50
-7
2
2
20
81
5
4
1
75
0no
73
191
17
106
22
0
0
95
-8
6
6
22
0
18
-7
0
0
73
59
12
1
-8
93
1yes
74
243
9
84
31
0
0
100
-7
7
8
33
1
30
-7
0
0
80
90
8
3
5
85
0no
71
157
8
81
14
1
1
87
7
4
6
15
1
27
-7
0
0
18
-8
1
-8
1
33
1yes
69
208
23
125
7
2
0
73
24
6
5
11
0
73
-7
5
5
-8
-8
-8
1
-8
100
1yes
75
209
6
98
33
0
0
97
53
6
6
33
3
33
-7
0
0
25
69
4
3
1
47
0no
75
174
11
116
27
2
2
100
-7
6
8
29
1
17
-7
1
1
13
55
2
1
0
36
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
67
155
1
117
22
0
0
92
2
4
6
24
2
58
-7
2
2
67
80
2
4
-8
100
0no
90
142
24
90
15
0
0
100
-7
7
8
15
0
7
-7
0
0
2
-8
2
1
0
50
0no
60
92
16
58
19
4
3
78
5
3
2
23
0
57
-7
2
2
51
-8
2
1
0
60
1yes
84
227
19
104
26
0
0
96
64
6
6
27
0
15
-7
0
0
32
-8
4
1
0
56
0no
80
168
1
34
1
0
0
100
-7
9
8
5
4
20
-7
4
4
34
101
1
1
0
50
1yes
44
-8
40
131
57
3
1
68
0
0
5
63
0
32
-7
1
1
58
13
17
3
4
79
1yes
60
340
11
85
27
0
0
81
2
4
6
32
1
38
-7
0
0
40
100
6
2
2
73
1yes
82
197
75
173
12
1
0
93
48
6
5
14
0
7
-7
1
1
1
-8
6
-8
0
67
0no
78
44
26
32
3
0
0
100
-7
7
8
3
0
0
-7
2
2
21
-8
1
-8
-8
50
1yes
78
238
40
148
31
0
0
100
-7
7
8
31
0
19
-7
0
0
65
70
15
1
6
94
1yes
59
27
1
13
14
0
0
100
-7
7
8
15
8
40
-7
1
1
49
71
8
2
1
91
1yes
70
82
10
31
4
0
0
100
-7
7
8
4
1
25
-7
1
1
81
62
3
1
-8
100
1yes
62
121
8
50
14
0
0
86
10
4
6
14
1
29
-7
0
0
54
-8
4
1
3
83
1yes
62
116
9
70
15
6
4
65
23
6
2
20
1
25
-7
4
4
8
60
2
2
0
67
1yes
64
119
10
52
21
1
0
95
9
3
5
22
3
55
-7
0
0
68
67
4
4
3
90
1yes
75
163
35
94
31
1
0
97
25
6
5
38
0
47
-7
1
1
5
-8
3
1
0
44
0no
82
192
8
88
17
0
0
94
81
6
6
17
1
35
-7
0
0
0
92
1
2
0
38
1yes
84
245
10
113
16
0
0
94
17
6
6
17
1
12
-7
0
0
6
-8
2
-8
0
40
0no
69
234
7
104
13
1
1
100
-7
7
8
13
1
38
-7
0
0
44
-8
3
1
1
80
0no
88
211
19
104
26
0
0
100
-7
7
8
26
0
19
-7
0
0
6
-8
3
1
0
36
0no
71
183
2
116
29
0
0
100
-7
7
8
31
1
39
-7
2
2
42
97
3
2
0
75
1yes
90
176
1
80
17
0
0
100
-7
7
8
19
2
53
-7
1
1
1
86
2
2
0
50
0no
78
260
5
95
49
0
0
98
23
6
6
49
3
55
-7
4
4
25
42
4
7
0
50
0no
68
90
4
52
14
2
1
88
62
6
2
16
1
75
-7
1
1
55
78
2
11
1
93
0no
70
117
3
65
29
0
0
100
-7
7
8
29
4
34
-8
0
0
69
94
8
3
5
71
1yes
65
221
1
90
28
2
2
94
20
6
6
33
6
48
0
4
4
9
67
3
2
0
56
1yes
75
187
7
95
22
0
0
100
-7
7
8
24
2
50
-8
0
0
46
54
3
3
1
67
0no
61
192
6
58
22
0
0
70
3
4
6
23
4
57
6
0
0
41
68
2
4
0
60
1yes
83
238
3
128
54
0
0
100
-7
7
8
56
2
27
3
1
1
8
27
4
3
1
47
0no
73
160
4
66
14
0
0
86
6
4
6
14
1
14
1
2
2
15
-8
3
1
1
40
0no
81
171
4
34
15
0
0
100
-7
7
8
16
4
19
0
1
1
5
76
5
2
0
64
1yes
70
84
1
46
16
0
0
94
-7
5
7
23
2
11
0
2
2
86
91
7
1
4
80
1yes
-9
85
28
179
3
5
5
50
15
6
4
4
0
0
2
3
3
-8
-8
-8
-8
-8
-8
1yes
56
153
18
80
17
0
0
95
1
4
6
20
0
45
17
0
0
82
-8
2
1
2
75
1yes
65
241
4
80
25
0
0
96
3
4
6
25
1
32
1
2
2
37
-8
3
3
1
60
1yes
75
189
11
73
27
0
0
96
58
6
6
28
1
43
22
0
0
65
78
3
3
2
75
0no
83
262
19
135
36
0
0
100
-7
7
8
37
0
27
19
0
0
38
47
11
2
1
76
1yes
65
151
7
65
29
1
1
100
-7
6
8
30
2
50
-8
0
0
43
82
5
3
1
62
0no
62
188
8
74
28
1
1
96
4
4
6
28
2
21
0
4
4
62
85
6
1
2
78
1yes
63
200
18
79
16
0
0
82
3
4
6
17
0
29
9
0
0
31
68
2
1
1
50
1yes
75
169
6
86
20
0
0
95
-8
6
6
41
2
57
6
0
0
57
71
3
2
2
83
1yes
87
188
2
79
24
0
0
100
-7
7
8
25
3
36
4
2
2
1
-8
3
1
0
44
0no
65
20
1
9
8
0
0
100
-7
7
8
9
7
22
4
1
1
33
88
6
2
0
89
1yes
76
112
2
54
19
0
0
90
71
6
6
20
3
40
8
0
0
15
83
4
2
0
67
1yes
68
113
4
46
13
0
0
100
-7
7
8
14
3
50
6
0
0
54
-8
2
3
2
63
1yes
65
137
1
56
26
0
0
96
-7
5
7
27
3
33
0
4
3
66
72
10
3
4
82
1yes
68
184
17
69
19
1
1
100
-7
6
8
19
0
68
5
0
0
0
11
1
2
-8
100
1yes
73
229
4
56
32
0
0
100
-7
7
8
33
5
63
5
1
1
18
69
3
12
1
83
0no
82
153
9
54
18
0
0
100
-7
7
8
18
1
44
14
0
0
9
-8
2
1
0
38
1yes
87
117
6
67
11
0
0
100
-7
7
8
12
1
8
1
4
4
3
-8
3
1
0
67
0no
50
206
0
91
44
1
0
86
1
3
5
49
1
35
-8
0
0
43
12
16
2
2
78
1yes
70
131
6
64
12
1
0
57
25
6
5
14
3
50
4
1
1
3
67
1
2
-8
50
1yes
87
247
12
163
25
0
0
100
-7
7
8
25
0
12
-8
0
0
9
-8
4
-8
0
36
0no
60
199
9
40
14
3
2
94
65
0
5
16
3
44
8
0
0
103
-8
4
2
3
100
1yes
65
258
5
108
27
2
1
76
35
5
4
33
2
30
5
0
0
66
77
5
3
3
73
1yes
68
126
8
58
15
0
0
63
16
6
6
16
1
44
7
0
0
47
68
1
5
1
55
1yes