metadata

language:
  - en
tags:
  - heloc
  - fico
  - tabular_classification
  - binary_classification
pretty_name: Heloc
size_categories:
  - 10K<n<100K
task_categories:
  - tabular-classification
configs:
  - risk
license: cc

HELOC

The HELOC dataset from FICO. 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). The customers in this dataset have requested a credit line in the range of $5,000 - $150,000. 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.

Configurations and tasks

Configuration	Task	Description
risk	Binary classification	Will the customer default?

Usage

from datasets import load_dataset

dataset = load_dataset("mstz/heloc")["train"]

Features

Feature	Type
`estimate_of_risk`	`int8`
`months_since_first_trade`	`int32`
`months_since_last_trade`	`int32`
`average_duration_of_resolution`	`int32`
`number_of_satisfactory_trades`	`int16`
`nr_trades_insolvent_for_over_60_days`	`int16`
`nr_trades_insolvent_for_over_90_days`	`int16`
`percentage_of_legal_trades`	`int16`
`months_since_last_illegal_trade`	`int32`
`maximum_illegal_trades_over_last_year`	`int8`
`maximum_illegal_trades`	`int16`
`nr_total_trades`	`int16`
`nr_trades_initiated_in_last_year`	`int16`
`percentage_of_installment_trades`	`int16`
`months_since_last_inquiry_not_recent`	`int16`
`nr_inquiries_in_last_6_months`	`int16`
`nr_inquiries_in_last_6_months_not_recent`	`int16`
`net_fraction_of_revolving_burden`	`int32`
`net_fraction_of_installment_burden`	`int32`
`nr_revolving_trades_with_balance`	`int16`
`nr_installment_trades_with_balance`	`int16`
`nr_banks_with_high_ratio`	`int16`
`percentage_trades_with_balance`	`int16`