Dataset research report
Heloc research report
A reproducible data report with schema notes, generated chart evidence, suggested follow-up questions, and export-ready Helix queries.
Executive Summary
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.… See the full description on the dataset page: https://huggingface.co/datasets/mstz/heloc.
Research Context
Heloc: 500 rows by 24 columns. These exploratory charts are generated automatically from the data - open the dataset in Helix to ask your own questions.
Data Profile
Chart Evidence
These views are generated from the dataset profile. Each chart is paired with a Helix query so it can be opened, adjusted, and exported.
estimate_of_risk vs months_since_first_trade
Relationship between estimate_of_risk and months_since_first_trade.
Open and export this chartDistribution of estimate_of_risk
Histogram of estimate_of_risk values.
Open and export this chartCorrelation of numeric columns
Pearson correlation between numeric columns.
Open and export this chartFollow-Up Queries
Preview Rows
| # | estimate_of_riskinteger | months_since_first_tradeinteger | months_since_last_tradeinteger | average_duration_of_resolutioninteger | number_of_satisfactory_tradesinteger | nr_trades_insolvent_for_over_60_daysinteger | nr_trades_insolvent_for_over_90_daysinteger | percentage_of_legal_tradesinteger |
|---|---|---|---|---|---|---|---|---|
| 1 | 55 | 144 | 4 | 84 | 20 | 3 | 0 | 83 |
| 2 | 61 | 58 | 15 | 41 | 2 | 4 | 4 | 100 |
| 3 | 67 | 66 | 5 | 24 | 9 | 0 | 0 | 100 |
| 4 | 66 | 169 | 1 | 73 | 28 | 1 | 1 | 93 |
| 5 | 81 | 333 | 27 | 132 | 12 | 0 | 0 | 100 |
| 6 | 59 | 137 | 11 | 78 | 31 | 0 | 0 | 91 |
Data Dictionary
- estimate_of_risk numeric
- months_since_first_trade datetime
- months_since_last_trade datetime
- average_duration_of_resolution numeric
- number_of_satisfactory_trades numeric
- nr_trades_insolvent_for_over_60_days datetime
- nr_trades_insolvent_for_over_90_days datetime
- percentage_of_legal_trades numeric
- months_since_last_illegal_trade datetime
- maximum_illegal_trades_over_last_year datetime
- maximum_illegal_trades numeric
- nr_total_trades numeric
- nr_trades_initiated_in_last_year datetime
- percentage_of_installment_trades numeric
- months_since_last_inquiry_not_recent datetime
- nr_inquiries_in_last_6_months datetime
- nr_inquiries_in_last_6_months_not_recent datetime
- net_fraction_of_revolving_burden numeric
- net_fraction_of_installment_burden numeric
- nr_revolving_trades_with_balance numeric
- nr_installment_trades_with_balance numeric
- nr_banks_with_high_ratio numeric
- percentage_trades_with_balance numeric
- is_at_risk numeric
Method And Limits
- Load the catalog entry and preview rows from the processed dataset file.
- Infer numeric, categorical, time, and location fields from real columns.
- Generate a small set of defensive Plotly chart specifications from that profile.
- Expose each chart idea as a query link so the report can be rerun or exported in Helix.
This report is intentionally reproducible. It uses the local catalog metadata and generated chart specifications rather than claiming external conclusions beyond the dataset.