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
66
127
2
69
17
0
0
94
16
6
6
18
4
33
-7
3
3
42
81
3
4
3
58
1yes
81
220
2
91
20
0
0
100
-7
7
8
23
2
39
-7
2
2
36
-8
3
1
1
67
0no
71
177
8
95
24
0
0
96
-8
6
6
24
1
75
-7
1
1
87
87
4
2
3
100
1yes
69
112
2
43
5
0
0
100
-7
7
8
7
2
43
-7
1
1
37
58
3
2
0
83
1yes
74
150
13
91
13
1
1
93
35
6
2
14
0
29
-7
0
0
36
-8
1
1
1
40
0no
56
224
21
109
27
1
1
79
4
4
6
28
0
21
-7
1
1
101
79
15
1
11
94
1yes
65
243
9
89
23
0
0
83
2
4
6
23
1
52
-7
0
0
49
75
4
4
1
80
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
92
152
15
154
14
0
0
100
-7
7
8
15
0
47
-7
0
0
7
79
2
2
0
80
0no
91
150
3
108
10
0
0
100
-7
7
8
11
1
64
-7
1
1
2
41
1
3
0
67
0no
73
183
6
90
19
1
1
100
-7
7
8
19
1
32
-7
0
0
6
52
1
2
0
50
0no
66
255
1
80
14
1
1
88
9
4
6
16
3
69
-7
4
4
58
60
3
4
1
88
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
87
120
12
59
26
0
0
100
-7
7
8
26
0
54
-7
1
1
1
-8
2
1
0
75
1yes
64
246
16
106
5
3
3
88
57
6
3
8
0
88
-7
1
1
-8
144
-8
4
-8
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
1yes
63
123
2
40
5
1
1
86
29
6
4
7
4
43
-7
0
0
77
-8
3
1
1
100
1yes
78
177
1
65
26
0
0
96
-8
6
6
28
3
46
-7
1
1
4
72
4
5
0
64
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
75
212
23
105
11
0
0
82
21
6
6
11
0
45
-7
1
1
13
-8
1
1
0
100
1yes
68
224
9
110
24
5
5
86
25
6
2
29
1
31
-7
5
5
5
73
2
2
-8
71
0no
61
208
6
96
24
3
2
74
44
6
2
27
3
63
-7
2
2
53
77
6
4
2
92
1yes
63
203
2
79
16
0
0
59
3
4
6
17
1
47
-7
3
3
55
77
7
3
1
91
1yes
69
160
5
109
11
1
1
92
20
6
3
13
1
31
-7
0
0
94
-8
3
2
3
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
1yes
49
103
4
48
10
12
9
53
7
0
2
17
1
35
-7
2
2
37
66
5
2
0
80
1yes
74
159
9
69
26
0
0
100
-7
6
7
27
2
48
-7
0
0
61
67
3
4
2
78
1yes
65
241
37
95
15
0
0
76
0
4
6
17
0
29
-7
1
1
51
43
3
1
1
80
1yes
80
203
6
91
15
0
0
100
-7
7
8
17
1
29
-7
0
0
16
93
6
2
1
69
1yes
61
61
10
41
9
0
0
80
-8
5
6
10
1
50
-7
2
2
80
95
4
3
1
100
1yes
57
178
2
79
23
0
0
92
2
4
6
26
2
58
-7
3
3
57
77
5
2
1
100
1yes
59
131
7
81
13
1
0
69
5
4
5
17
1
50
-7
2
2
75
-8
3
2
1
100
1yes
71
103
15
94
6
1
0
86
13
6
5
7
0
14
-7
0
0
48
-8
2
-8
0
67
1yes
86
168
15
85
33
0
0
97
51
6
6
34
0
38
-7
0
0
3
-8
3
2
0
56
0no
83
106
3
62
28
0
0
100
-7
7
8
28
5
11
-7
4
4
17
-8
2
1
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
1yes
59
198
6
89
29
3
2
79
21
6
2
34
1
38
-7
3
3
38
98
11
1
1
86
1yes
59
256
0
50
11
1
0
44
1
4
5
16
1
75
-7
1
1
93
74
3
6
2
90
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
55
203
7
81
19
2
1
86
3
3
5
21
2
33
-7
3
3
56
87
3
2
1
83
0no
75
258
28
97
23
0
0
96
-8
6
6
24
0
13
-7
0
0
31
-8
4
-8
0
57
0no
78
41
3
16
3
0
0
100
-7
7
8
3
2
67
-7
16
16
0
-8
0
1
-8
50
1yes
65
14
0
4
3
0
0
100
-7
7
8
6
5
33
-7
9
9
1
98
1
2
0
50
0no
80
233
3
106
28
0
0
97
2
4
6
30
4
37
2
3
3
4
98
4
2
0
86
0no
70
252
3
73
20
4
2
88
31
6
3
24
4
67
2
1
1
16
93
3
2
0
63
1yes
59
-8
5
82
20
5
5
78
6
4
2
27
1
67
4
1
1
98
84
2
4
-8
100
1yes
57
246
4
72
34
2
1
88
3
1
3
40
4
73
2
3
3
12
70
3
12
0
89
1yes
77
154
3
55
31
0
0
100
-7
7
8
32
6
63
2
2
1
26
74
5
14
0
86
1yes
65
37
13
24
11
0
0
100
-7
7
8
11
0
27
3
4
4
81
-8
6
1
2
88
1yes
67
97
2
46
8
0
0
100
-7
7
8
9
1
33
0
1
1
66
48
5
2
1
88
1yes
73
136
6
77
25
0
0
100
-7
7
8
25
4
36
0
3
3
54
100
11
1
1
100
1yes
73
190
8
113
27
0
0
100
-7
7
8
30
1
23
7
0
0
40
78
9
3
1
68
1yes
77
221
17
93
46
0
0
100
-7
7
8
51
0
36
17
0
0
41
-8
8
1
2
75
1yes
61
190
7
118
34
0
0
82
22
5
6
34
1
50
19
0
0
97
78
6
4
4
100
1yes
86
242
77
135
14
0
0
100
-7
7
8
14
0
36
1
3
3
3
-8
2
1
0
43
0no
66
132
3
36
34
0
0
100
-7
7
8
34
3
26
10
0
0
66
81
21
4
5
96
0no
64
178
8
108
33
0
0
85
1
4
6
33
2
36
0
4
4
48
78
5
3
3
62
1yes
79
245
6
100
35
0
0
100
-7
7
8
37
1
43
4
1
1
18
61
6
4
0
71
0no
76
159
3
84
21
0
0
95
-7
5
7
21
1
71
3
1
1
42
69
3
3
1
75
0no
62
27
19
22
3
2
2
100
-7
6
8
3
0
100
2
4
4
-8
-8
-8
1
-8
100
1yes
81
244
3
128
54
0
0
98
-8
6
6
56
3
41
0
4
4
25
97
6
3
0
90
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
241
7
120
36
0
0
100
-7
7
8
36
1
39
2
1
1
1
20
3
4
0
50
0no
75
160
5
69
12
0
0
100
-7
7
8
12
2
42
2
2
2
85
100
2
2
2
83
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
72
132
2
65
25
0
0
100
-7
7
8
26
3
42
2
3
3
40
70
5
3
2
73
1yes
71
179
4
68
32
1
1
97
50
6
3
33
5
21
1
5
5
43
45
12
4
3
76
1yes
65
256
40
190
23
1
1
85
5
4
4
27
0
52
5
0
0
75
27
4
3
1
88
0no
55
139
3
65
51
0
0
98
2
4
6
51
3
27
0
11
9
80
-8
17
2
10
79
0no
89
137
15
75
14
0
0
100
-7
7
8
14
0
0
-8
0
0
3
-8
3
-8
0
50
0no
50
222
20
99
24
2
1
81
1
4
5
26
0
38
3
1
1
42
67
6
3
2
69
1yes
70
218
3
69
24
1
1
88
36
5
2
33
3
62
0
5
5
69
83
8
4
1
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
55
156
5
65
59
1
1
98
2
4
6
59
5
36
1
12
11
44
91
7
5
1
92
1yes
69
82
13
57
15
5
4
67
23
6
2
21
0
71
5
2
2
6
66
1
2
-8
75
1yes
62
247
11
93
29
2
2
90
37
0
6
29
1
24
16
0
0
67
-8
11
1
3
100
0no
87
112
5
67
22
0
0
100
-7
7
8
22
2
55
5
0
0
3
92
1
3
0
44
0no
65
129
10
64
30
0
0
78
2
4
6
32
3
34
0
1
1
17
99
2
10
0
67
0no
66
93
7
33
23
0
0
100
-7
7
8
24
3
33
0
2
2
58
97
8
2
4
63
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
85
154
45
159
4
0
0
100
-7
7
8
4
0
50
-8
0
0
53
-8
1
-8
0
100
1yes
81
212
1
93
37
0
0
100
-7
7
8
44
5
16
2
3
3
19
-8
4
2
1
35
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
65
321
3
74
27
2
1
68
21
6
4
31
5
45
0
4
4
11
91
1
4
0
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
1yes
65
338
7
55
24
0
0
83
9
4
6
24
2
33
0
2
2
13
78
2
2
0
31
0no
85
195
5
87
28
0
0
100
-7
7
8
29
5
38
0
3
3
11
49
5
3
0
73
0no
67
145
3
58
31
1
1
94
11
4
2
32
4
56
3
2
2
18
62
5
6
1
79
0no
92
352
13
120
14
0
0
100
-7
7
8
17
0
35
4
1
1
11
-8
2
1
0
60
0no
66
205
4
123
5
1
1
100
-7
6
8
5
2
40
4
5
5
83
80
1
2
1
100
1yes
62
135
8
59
15
2
2
81
4
4
6
16
1
81
0
11
10
13
59
2
4
0
100
1yes
62
433
1
79
31
3
3
92
24
5
2
39
7
85
0
2
2
13
97
1
4
-8
100
1yes
69
175
6
56
17
2
1
90
11
4
5
20
3
55
1
1
1
16
92
3
8
0
73
0no
83
344
42
151
10
0
0
90
38
6
6
10
0
40
19
0
0
5
-8
1
-8
-8
33
1yes
57
140
13
67
8
4
4
80
26
6
4
10
0
50
3
1
1
93
71
1
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
1yes
66
307
6
125
38
3
1
79
24
6
2
49
2
48
4
1
1
45
75
8
3
4
65
1yes
66
502
4
145
34
0
0
97
36
6
6
37
4
27
4
3
3
80
53
17
3
12
83
1yes