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--- |
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language: |
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- en |
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tags: |
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- heloc |
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- fico |
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- tabular_classification |
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- binary_classification |
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pretty_name: Heloc |
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size_categories: |
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- 10K<n<100K |
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task_categories: |
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- tabular-classification |
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configs: |
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- risk |
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license: cc |
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--- |
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# HELOC |
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The [HELOC dataset](https://community.fico.com/s/explainable-machine-learning-challenge?tabset-158d9=d157e) from FICO. |
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Each entry in the dataset is a line of credit, typically offered by a bank as a percentage of home equity (the difference between the current market value of a home and its purchase price). |
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The customers in this dataset have requested a credit line in the range of $5,000 - $150,000. |
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The fundamental task is to use the information about the applicant in their credit report to predict whether they will repay their HELOC account within 2 years. |
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# Configurations and tasks |
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| **Configuration** | **Task** | **Description** | |
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|-------------------|---------------------------|-----------------------------------------------------------------| |
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| risk | Binary classification | Will the customer default? | |
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# Usage |
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```python |
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from datasets import load_dataset |
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dataset = load_dataset("mstz/heloc")["train"] |
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``` |
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# Features |
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|**Feature** |**Type**| |
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|-------------------------------------------|--------| |
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|`estimate_of_risk` |`int8` | |
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|`months_since_first_trade` |`int32` | |
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|`months_since_last_trade` |`int32` | |
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|`average_duration_of_resolution` |`int32` | |
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|`number_of_satisfactory_trades` |`int16` | |
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|`nr_trades_insolvent_for_over_60_days` |`int16` | |
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|`nr_trades_insolvent_for_over_90_days` |`int16` | |
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|`percentage_of_legal_trades` |`int16` | |
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|`months_since_last_illegal_trade` |`int32` | |
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|`maximum_illegal_trades_over_last_year` |`int8` | |
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|`maximum_illegal_trades` |`int16` | |
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|`nr_total_trades` |`int16` | |
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|`nr_trades_initiated_in_last_year` |`int16` | |
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|`percentage_of_installment_trades` |`int16` | |
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|`months_since_last_inquiry_not_recent` |`int16` | |
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|`nr_inquiries_in_last_6_months` |`int16` | |
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|`nr_inquiries_in_last_6_months_not_recent` |`int16` | |
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|`net_fraction_of_revolving_burden` |`int32` | |
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|`net_fraction_of_installment_burden` |`int32` | |
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|`nr_revolving_trades_with_balance` |`int16` | |
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|`nr_installment_trades_with_balance` |`int16` | |
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|`nr_banks_with_high_ratio` |`int16` | |
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|`percentage_trades_with_balance` |`int16` | |
