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---
language:
- en
tags:
- heloc
- fico
- tabular_classification
- binary_classification
pretty_name: Heloc
size_categories:
- 1K<n<10K
task_categories: # Full list at https://github.com/huggingface/hub-docs/blob/main/js/src/lib/interfaces/Types.ts
- tabular-classification
configs:
- risk
---
# HELOC
The [HELOC dataset](https://community.fico.com/s/explainable-machine-learning-challenge?tabset-158d9=d157e) 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
- `risk` Predict the risk of insolvency.
# 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` | |