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
64
281
13
91
54
3
3
93
7
4
3
60
0
32
4
2
2
35
72
4
3
2
41
0no
76
217
14
83
23
0
0
100
-7
7
8
26
0
22
11
0
0
17
51
10
3
2
81
0no
83
167
16
69
38
1
0
98
66
6
5
40
0
40
-8
0
0
9
-8
3
1
0
36
0no
72
262
2
82
32
0
0
100
-7
7
8
34
5
35
2
1
1
93
99
8
3
4
92
0no
80
70
5
32
13
0
0
93
56
6
6
14
1
36
4
1
1
9
83
1
2
0
43
0no
57
321
2
75
11
0
0
75
8
4
6
12
1
17
1
1
1
102
-8
6
1
5
100
1yes
72
172
15
76
5
1
1
100
-7
6
8
5
0
20
2
1
1
39
-8
2
-8
0
100
1yes
85
140
13
81
12
0
0
92
82
6
6
13
0
38
12
0
0
1
93
1
2
0
50
0no
73
200
2
74
70
0
0
99
39
6
6
71
4
66
1
8
8
9
94
4
9
0
82
0no
80
347
8
76
24
0
0
100
-7
7
8
26
2
54
10
0
0
13
54
2
3
1
71
1yes
55
37
17
26
2
2
1
67
25
6
5
3
0
67
2
1
1
100
-8
1
1
1
100
1yes
61
106
17
60
6
0
0
86
1
4
6
7
0
43
5
0
0
84
-8
2
-8
2
67
0no
69
216
36
82
15
1
1
93
24
6
6
15
0
33
-8
0
0
51
-8
8
1
0
100
0no
77
126
8
61
25
0
0
92
42
6
6
25
4
12
7
0
0
9
100
7
2
0
63
0no
86
349
5
120
33
0
0
97
19
6
6
35
1
34
-8
0
0
7
-8
4
2
0
50
0no
45
265
3
98
50
2
2
86
1
4
6
51
1
25
11
0
0
62
69
8
4
3
65
0no
55
93
7
45
32
0
0
94
8
4
6
33
4
58
7
0
0
100
85
2
7
1
100
1yes
75
262
6
93
12
0
0
100
-7
7
8
13
2
62
0
2
2
76
93
3
2
2
100
1yes
76
171
28
66
6
0
0
100
-7
7
8
6
0
33
0
1
1
59
56
2
1
1
75
0no
64
109
13
65
9
1
1
90
60
6
6
10
0
50
12
0
0
86
39
3
3
1
100
1yes
60
146
11
99
16
0
0
81
7
4
6
16
1
13
10
0
0
42
-8
7
1
2
80
1yes
86
160
14
82
15
0
0
100
-7
7
8
15
0
20
0
1
1
31
56
2
2
0
50
0no
64
212
5
80
17
0
0
100
-7
7
8
18
3
17
0
2
2
92
-8
9
1
6
91
1yes
86
143
6
60
15
0
0
100
-7
7
8
16
1
7
4
1
1
0
-8
0
-8
0
0
1yes
64
231
2
62
28
1
1
97
22
6
2
30
2
23
1
2
2
63
55
9
1
4
56
0no
72
140
25
52
22
0
0
100
-7
7
8
22
0
27
9
0
0
90
6
7
2
5
82
1yes
86
342
5
122
7
0
0
100
-7
7
8
7
2
14
0
7
7
7
-8
2
-8
0
100
0no
84
199
5
89
18
0
0
94
48
6
6
18
1
17
5
1
1
8
-8
2
1
0
30
0no
61
35
2
15
15
0
0
100
-7
7
8
17
8
71
2
1
1
0
81
0
7
-8
75
1yes
79
390
4
117
28
0
0
97
3
4
6
31
3
23
3
1
1
5
-8
4
1
0
36
0no
78
84
2
25
11
1
0
92
20
6
5
13
1
15
2
4
4
2
77
1
1
0
20
0no
57
130
6
38
15
0
0
80
1
4
6
15
1
27
13
0
0
84
71
6
3
4
82
1yes
75
127
5
30
17
0
0
100
-7
7
8
17
4
24
1
3
3
14
56
4
1
1
86
0no
58
163
6
101
20
3
1
71
16
6
5
24
2
29
2
4
4
86
-8
5
-8
2
67
1yes
68
116
1
51
20
0
0
100
-7
7
8
21
2
24
0
2
2
50
-8
6
1
2
64
1yes
84
305
5
86
45
0
0
100
-7
7
8
46
2
35
0
3
3
22
84
4
3
0
47
1yes
82
190
10
80
28
0
0
100
-7
7
8
28
1
21
17
0
0
32
50
2
2
0
50
0no
77
273
3
98
26
0
0
96
6
4
6
28
1
39
-8
0
0
11
-8
2
1
2
33
0no
82
195
12
100
38
0
0
100
-7
7
8
40
0
35
-8
0
0
32
-8
5
2
1
54
0no
84
163
4
56
36
0
0
100
-7
7
8
36
2
17
12
0
0
14
88
3
2
1
46
0no
85
241
7
98
22
1
0
96
33
6
5
23
4
39
3
1
1
4
97
1
3
0
45
1yes
75
184
14
89
12
0
0
100
-7
7
8
17
0
71
10
0
0
58
82
2
3
1
100
1yes
57
183
4
73
24
0
0
79
2
4
6
24
3
29
1
4
4
59
77
6
3
2
82
0no
83
272
18
104
10
1
0
91
35
6
5
12
0
18
17
0
0
6
-8
1
-8
0
25
0no
68
60
7
31
11
1
0
92
27
6
5
12
3
42
0
1
1
50
77
5
2
1
88
1yes
89
384
4
111
31
0
0
100
-7
7
8
33
2
30
3
3
3
12
-8
1
1
0
33
0no
57
156
13
90
39
4
3
91
3
3
5
45
0
16
15
0
0
81
-8
7
-8
1
88
1yes
76
397
2
106
22
0
0
91
11
6
6
23
1
13
9
0
0
17
-8
7
1
0
50
1yes
62
307
19
100
31
0
0
97
16
6
6
32
0
16
8
0
0
62
-8
9
1
6
71
1yes
81
120
13
42
12
0
0
100
-7
7
8
12
0
25
3
2
2
34
36
1
1
0
67
0no
74
218
9
71
24
0
0
100
-7
7
8
24
2
38
8
0
0
42
88
7
3
0
77
0no
70
78
4
50
23
0
0
96
11
4
6
24
1
46
3
2
2
48
76
2
5
0
78
0no
79
231
10
68
22
0
0
100
-7
7
8
22
1
9
10
0
0
25
-8
2
1
1
25
0no
78
50
15
32
5
0
0
100
-7
7
8
5
0
60
0
4
2
11
51
1
2
0
75
1yes
71
206
2
85
34
0
0
100
-7
7
8
35
1
34
0
1
1
95
61
5
2
5
70
1yes
85
151
3
56
20
0
0
100
-7
7
8
21
1
25
17
0
0
7
-8
1
1
0
60
0no
79
137
2
61
31
0
0
97
-7
6
7
33
1
36
1
1
1
25
61
4
2
1
40
0no
62
102
2
42
8
1
1
73
4
4
4
11
1
73
17
0
0
3
53
1
3
-8
80
0no
79
444
1
126
19
1
1
95
44
6
2
22
2
45
2
1
1
4
75
3
2
0
63
0no
76
205
1
68
19
1
1
95
81
6
3
22
2
41
1
2
2
82
87
3
6
2
90
1yes
78
395
1
99
20
0
0
100
-7
7
8
22
3
14
2
1
1
42
-8
4
1
2
45
0no
89
233
3
118
35
0
0
100
-7
7
8
36
4
33
15
0
0
0
-8
4
-8
0
33
0no
70
82
0
48
17
0
0
95
71
6
6
19
2
16
0
7
7
20
-8
5
-8
1
45
1yes
70
183
3
69
20
1
0
79
0
3
5
24
2
42
3
1
1
16
80
5
3
0
80
1yes
72
210
4
83
14
0
0
93
57
6
6
15
2
43
0
3
3
59
79
4
3
2
88
1yes
83
187
3
80
29
0
0
100
-7
7
8
30
1
33
12
1
1
13
-8
3
1
2
50
0no
77
180
11
74
26
0
0
100
-7
7
8
27
1
48
13
0
0
24
71
2
2
1
44
0no
90
414
8
102
22
0
0
100
-7
7
8
22
1
36
8
0
0
0
93
1
2
0
33
0no
67
134
2
52
23
0
0
92
63
6
6
25
3
25
0
10
9
30
-8
5
2
1
64
1yes
73
166
1
54
21
0
0
100
-7
7
8
26
5
69
0
1
1
70
90
4
12
2
94
0no
80
319
9
111
18
0
0
100
-7
7
8
22
1
50
-8
0
0
73
-8
5
1
-8
86
0no
70
218
6
86
59
0
0
100
-7
6
7
61
1
52
1
3
3
65
71
12
6
6
68
0no
85
207
8
102
21
0
0
100
-7
7
8
21
1
29
8
0
0
0
-8
2
1
0
67
0no
62
262
2
93
36
0
0
100
-7
7
8
37
1
35
19
0
0
92
56
13
5
8
100
0no
55
134
68
97
5
1
1
67
7
0
6
6
0
50
1
1
1
0
-8
0
1
-8
33
0no
88
300
12
110
19
0
0
100
-7
7
8
19
0
42
11
0
0
7
-8
2
1
0
50
0no
52
266
2
103
18
5
5
76
2
4
4
23
4
33
7
0
0
52
46
5
3
1
82
0no
70
144
2
70
34
0
0
100
-7
7
8
35
3
51
2
6
6
61
51
5
5
1
83
1yes
87
348
11
127
26
0
0
100
-7
7
8
26
1
27
0
3
3
14
48
2
3
1
50
0no
86
279
9
115
16
0
0
94
59
6
6
16
1
13
0
3
3
5
-8
1
-8
0
20
0no
86
153
13
74
16
0
0
100
-7
7
8
17
0
41
21
0
0
13
-8
1
1
0
33
0no
85
349
6
104
35
0
0
100
-7
6
7
38
2
43
0
2
2
4
-8
5
1
1
50
0no
73
106
4
48
19
0
0
95
81
6
6
20
3
30
1
4
4
20
89
1
3
1
40
0no
60
306
1
60
25
1
1
100
-7
6
8
35
5
21
0
5
5
30
84
6
4
0
56
0no
66
75
4
41
24
0
0
100
-7
7
8
25
2
32
4
2
2
54
79
6
4
3
71
0no
81
213
4
75
40
0
0
100
-7
7
8
40
2
35
3
2
2
30
97
4
4
0
62
0no
72
262
10
91
45
0
0
98
48
6
6
51
3
18
0
6
6
62
-8
6
-8
3
67
0no
80
153
2
47
31
0
0
100
-7
7
8
34
5
55
2
2
2
1
70
1
4
0
45
0no
82
194
6
87
33
1
0
97
66
6
5
34
2
21
10
0
0
2
84
5
2
0
44
0no
77
206
2
70
33
0
0
100
-7
7
8
36
6
31
4
1
1
53
65
3
4
1
62
0no
70
49
8
23
9
0
0
100
-7
7
8
9
3
44
7
0
0
69
83
4
3
1
88
0no
74
148
16
83
22
0
0
100
-7
7
8
23
0
57
1
4
4
66
57
2
10
0
92
0no
75
163
7
78
27
0
0
100
-7
7
8
31
1
35
23
0
0
37
67
4
2
2
55
0no
68
332
16
100
22
0
0
100
-7
7
8
24
0
38
16
0
0
52
79
3
3
0
64
0no
73
140
7
47
12
0
0
92
46
6
6
12
2
33
5
1
1
49
74
2
3
1
75
1yes
90
429
5
116
15
0
0
100
-7
7
8
16
1
20
3
2
2
1
-8
1
-8
0
11
0no
69
142
6
43
12
0
0
93
23
6
6
15
2
87
5
0
0
53
87
2
3
0
100
1yes
72
255
13
60
31
0
0
100
-7
7
8
32
0
22
13
0
0
85
14
9
2
9
79
1yes
79
289
4
105
48
0
0
100
-7
6
7
51
1
29
0
2
2
40
79
5
3
1
44
0no
89
203
6
79
28
0
0
97
62
6
6
34
2
53
20
0
0
8
90
1
2
0
33
0no