skip title
The Federal Reserve Board eagle logo links to home page

Report to the Congress on Credit Scoring and Its Effects on the Availability and Affordability of Credit


Submitted to the Congress pursuant to section 215 of the Fair and Accurate Credit Transactions Act of 2003
August 2007

printable Print (1.84 MB PDF)

Tables for the Data and Model

Table 7. Number and Proportion of Individuals with Records at Credit-Reporting Agencies, by Type of Information in Credit Record, as of June 30, 2003
Type of information Number Percent of
sample
Sample size 301,536 100
Credit account 259,211 86.0
Public record 36,742 12.2
Collection agency account 109,964 36.5
Inquiry1 188,185 62.4
None of the above 15 *
Memo
Credit account only 63,781 21.2
Public record only 53 *
Collection agency account only 34,999 11.6
Inquiry only1 31 *
Credit account plus other entry, by entry
Public record 34,715 11.5
Collection agency account 67,747 22.5
Inquiry1 182,149 60.4

1. Includes only inquiries made within two years of June 30, 2003, the date the sample was drawn.  Return to table


*Less than 0.5 percent.  Return to table


Return to text

 

Table 8. Type of Information Provided on the Demographic and Location Characteristics of Study Sample, by Source of the Data
    Characteristic     Social
Security
Administration
Credit
reporting
agency
Demographic
information
company
2000 Census
Race or ethnicity X   X  
Date of birth X X X  
Marital status     X  
Sex X   X  
Citizenship status X      
Place of birth X   X  
Religion     X  
Language preference     X  
Location1
Census block   X   X
Census tract   X   X

1. Location information provided by the credit-reporting agency was latitude and longitude of the Census blocks and tracts..  Return to table


Return to text

 

Table 9. Number of Selected Credit-Record Items in Full Sample and Their Proportion in the Scorable and Estimation Samples, by Selected Characteristics of Sample Population
    Characteristic     Full sample (number)
Total No score available Score available Score available without performance Estimation sample
Total Mean trades Total Mean trades Total Mean trades Total Mean trades
Race or ethnicity--SSA data
Non-Hispanic white 162,932 14,364 10.2 148,568 16.4 15,403 13.8 133,165 16.7
Black 25,937 4,569 3.8 21,368 13.0 3,094 10.9 18,274 13.3
Hispanic 19,446 2,496 5.8 16,950 13.7 2,248 11.3 14,702 14.1
Asian 9,675 855 12.8 8,820 15.5 914 11.5 7,906 15.9
American Indian 441 32 11.2 409 15.8 43 13.3 366 16.1
Unknown race 83,106 46,754 1.0 36,352 9.7 10,328 6.5 26,024 11.0
Race or ethnicity--location-based distribution1
Non-Hispanic white 218,053 43,966 4.1 174,087 15.3 22,856 11.4 151,230 15.9
Black 35,151 11,205 2.0 23,946 12.9 3,841 9.6 20,105 13.6
Hispanic 34,222 10,589 2.2 23,632 13.1 3,722 9.4 19,910 13.8
Asian 11,670 2,654 3.7 9,016 14.5 1,331 10.3 7,685 15.2
American Indian 1,875 502 2.6 1,373 13.9 204 10.3 1,169 14.5
National origin
Foreign-born 28,407 2,810 9.5 25,597 14.5 3,000 11.3 22,597 14.9
Recent immigrant 4,746 485 5.8 4,261 10.1 499 7.7 3,762 10.5
Sex
Male 114,074 12,013 7.2 102,061 15.4 11,687 12.3 90,374 15.8
Female 116,950 11,603 9.9 105,347 16.0 11,316 13.7 94,031 16.3
Unknown 70,512 45,453 0.8 25,059 7.0 9,027 5.6 16,032 7.8
Marital status
Married male 58,192 3,686 13.3 54,506 17.6 5,195 15.6 49,311 17.9
Single male 32,612 3,564 6.5 29,048 13.8 3,662 10.7 25,386 14.3
Married female 59,197 4,071 15.1 55,126 18.0 5,111 16.6 50,015 18.1
Single female 36,581 3,793 9.4 32,788 14.7 3,867 12.2 28,921 15.0
Unknown 114,954 53,955 1.3 60,999 9.8 14,195 6.9 46,804 10.7
Age--SSA data (years)
Younger than 30 39,043 6,032 3.8 33,011 9.1 3,833 7.3 29,178 9.3
30 to 39 45,431 4,946 8.9 40,485 17.0 4,837 14.1 35,648 17.4
40 to 49 51,330 4,923 9.8 46,407 18.6 5,236 15.9 41,171 18.9
50 to 61 47,341 3,867 12.6 43,474 18.9 4,248 17.0 39,226 19.1
62 or older 47,926 3,851 9.7 44,075 13.4 4,855 9.7 39,220 13.9
Unknown 70,465 45,450 0.8 25,015 7.0 9,021 5.6 15,994 7.8
Census tract characteristics
Income ratio2
Low 13,300 5,669 0.9 7,631 9.9 1,383 6.7 6,248 10.7
Moderate 61,782 19,880 1.9 41,902 12.4 6,624 9.0 35,278 13.1
Middle 150,967 30,983 3.7 119,984 14.8 16,181 11.1 103,803 15.3
High 74,770 12,344 6.4 62,426 17.0 7,748 12.9 54,678 17.6
Unknown 544 148 7.6 396 10.5 75 7.0 321 11.4
Minority population (percent)3
Less than 10 114,678 19,227 5.0 95,451 15.7 11,641 11.8 83,810 16.3
10-49 124,616 28,922 3.6 95,694 14.9 13,485 11.2 82,209 15.6
50-79 33,322 10,671 2.1 22,651 13.0 3,592 9.7 19,059 13.6
80 or more 28,355 10,097 1.4 18,258 11.4 3,236 8.2 15,022 12.0
Urban 251,844 57,930 3.5 193,914 15.0 26,898 11.0 167,016 15.6
Rural 49,113 10,986 3.1 38,127 14.0 5,054 10.8 33,073 14.4
All 301,536 69,069 3.5 232,467 14.8 32,030 10.9 200,437 15.4

1. At least 90 days, any account.  Return to table


2. "Asian" is Asian, Asian American, and Pacific Islander; "American Indian" is North American Indian and Alaskan Native.  Return to table


3. Refer to text note 99 for details of computation.  Return to table


  Return to text

 

Table 9. Number of Selected Credit-Record Items in Full Sample and Their Proportion in the Scorable and Estimation Samples, by Selected Characteristics of Sample Population--Continued
    Characteristic     Scorable sample (percent) Estimation sample (percent)
Revolving account Installment account Mortgage account Public record Medical collection Other collection Inquiry Delinquency1 Revolving account Installment account Mortgage account Public record Medical collection Other collection Inquiry Delinquency1
Race or ethnicity--SSA data2
Non-Hispanic white 88.3 45.2 33.8 12.9 14.7 14.5 75.9 14.6 90.2 45.9 34.7 12.1 13.7 13.5 76.4 13.9
Black 65.8 46.6 21.1 27.1 35.4 47.9 86.1 34.9 68.4 48.9 21.4 27.1 35.7 47.7 87.3 36.0
Hispanic 80.6 45.5 28.0 14.9 21.5 28.9 84.0 22.8 83.4 46.8 28.9 14.4 20.9 27.7 84.7 22.7
Asian 91.6 35.4 31.3 9.1 7.5 11.6 77.1 12.5 93.5 36.5 32.9 8.4 7.1 10.4 79.0 12.0
American Indian 90.7 41.2 30.9 12.4 12.3 11.6 67.8 13.5 92.8 41.6 31.9 12.0 11.0 10.3 68.1 12.6
Unknown race 80.2 27.6 18.8 8.8 11.0 14.0 52.7 11.9 85.6 31.5 21.5 9.0 11.3 13.2 59.0 12.7
Race or ethnicity--location-based distribution3
Non-Hispanic white 86.4 42.9 31.4 12.7 15.1 15.7 73.4 15.0 88.8 44.5 32.9 12.2 14.4 14.8 75.2 14.7
Black 74.3 41.0 22.9 19.8 24.9 32.5 76.4 25.1 77.6 43.5 24.0 19.8 25.0 31.8 78.8 25.7
Hispanic 80.5 40.3 25.2 14.1 18.1 25.1 75.5 19.6 84.0 42.5 26.7 13.8 17.8 23.9 77.9 19.7
Asian 87.5 37.1 29.7 12.0 10.8 16.2 72.6 14.7 90.2 38.8 31.7 11.5 10.4 15.1 75.2 14.5
American Indian 78.5 46.7 24.6 14.9 20.0 23.4 75.2 20.9 81.8 48.9 25.9 14.8 19.4 22.5 76.9 21.1
National origin
Foreign-born 88.4 37.7 31.6 11.7 12.1 17.0 80.1 16.3 90.6 38.7 32.9 11.1 11.6 15.9 81.4 15.9
Recent immigrant 88.7 35.4 24.3 5.5 9.1 13.8 83.5 12.7 90.7 36.9 25.6 5.0 8.6 12.5 85.8 12.9
Sex
Male 84.4 47.4 33.0 15.5 16.8 19.7 79.0 16.9 86.8 48.7 34.1 14.6 15.8 18.3 79.6 16.3
Female 86.4 42.2 30.7 13.4 17.4 18.6 76.6 18.0 88.2 42.9 31.4 12.8 16.7 17.7 77.2 17.5
Unknown 77.3 21.2 12.9 6.5 8.9 12.5 41.4 9.4 83.5 24.6 14.6 6.5 9.1 11.3 46.7 10.1
Marital status
Married male 90.3 50.2 41.1 13.0 13.0 12.3 77.2 13.8 91.8 50.5 41.7 12.2 12.2 11.4 77.4 13.0
Single male 81.0 44.1 26.4 17.7 19.0 25.6 80.3 19.6 83.9 45.9 27.6 16.9 18.3 24.2 81.4 19.5
Married female 92.2 43.1 38.9 11.2 12.5 11.0 74.6 14.4 93.3 43.0 39.2 10.6 11.8 10.3 74.7 13.6
Single female 83.1 40.9 23.3 15.4 20.9 24.8 77.9 21.7 85.1 42.1 24.0 15.0 20.3 23.9 78.9 21.4
Unknown 75.0 34.2 16.5 13.2 18.6 23.9 64.9 16.7 78.9 38.4 18.3 13.5 19.3 23.9 70.5 18.0
Age--SSA data (years)
Younger than 30 72.5 54.8 11.3 9.1 21.9 29.9 86.8 21.1 74.7 56.3 11.6 8.8 21.4 28.9 87.3 21.0
30 to 39 80.5 52.7 36.4 19.8 24.1 29.0 89.4 24.3 82.7 53.9 37.5 19.0 23.3 27.7 90.0 23.9
40 to 49 86.1 49.4 45.1 19.1 19.7 20.5 85.6 19.7 88.3 50.2 46.3 18.2 18.6 19.2 86.0 19.1
50 to 61 90.6 46.1 42.2 15.4 14.0 13.6 78.3 15.7 92.5 46.5 43.0 14.5 13.1 12.5 78.4 14.9
62 or older 93.8 23.9 18.7 7.5 7.4 6.2 51.5 7.7 95.8 24.9 19.6 6.9 6.6 5.4 53.0 7.1
Unknown 77.2 21.1 12.9 6.5 8.9 12.5 41.3 9.4 83.4 24.6 14.6 6.5 9.1 11.3 46.6 10.1
Census tract characteristics
Income ratio4
Low 68.3 33.7 12.8 19.7 25.3 39.6 77.5 25.2 72.9 36.9 13.7 19.7 25.6 38.7 80.5 26.6
Moderate 76.7 40.4 21.2 17.4 22.7 28.3 74.7 21.7 80.1 42.9 22.5 17.2 22.6 27.4 77.1 22.1
Middle 84.7 44.0 29.6 13.8 16.6 17.5 73.3 16.6 87.3 45.6 30.9 13.3 16.0 16.5 75.1 16.3
High 91.5 41.2 38.1 9.8 10.0 11.1 74.0 11.9 93.2 42.5 39.8 9.4 9.6 10.5 76.0 11.5
Unknown 82.8 47.5 16.4 4.3 6.6 13.4 56.3 19.9 82.6 50.5 18.1 4.7 6.5 13.4 58.9 20.6
Minority population (percent)5
Less than 10 88.0 43.8 32.9 11.7 13.8 12.7 73.0 13.3 90.2 45.2 34.3 11.1 13.1 11.9 74.7 12.9
10-49 84.8 42.1 30.1 13.8 16.3 18.6 73.7 16.6 87.4 43.9 31.6 13.4 15.8 17.7 75.7 16.4
50-79 78.0 40.4 24.4 16.8 21.7 28.4 75.8 22.1 81.2 42.6 25.7 16.7 21.5 27.7 78.2 22.6
80 or more 73.0 36.9 18.8 18.3 22.2 35.7 77.0 26.2 77.0 39.7 19.9 18.2 22.5 34.8 79.9 27.2
Urban 85.3 41.5 30.8 13.5 15.5 18.5 74.4 16.5 87.9 43.2 32.3 13.1 15.0 17.6 76.5 16.3
Rural 80.8 46.1 24.9 13.9 20.0 18.1 71.0 16.9 83.7 48.1 26.0 13.4 19.2 16.9 72.5 16.6
All 84.5 42.2 29.8 13.5 16.2 18.4 73.8 16.6 87.2 44.0 31.3 13.1 15.7 17.5 75.8 16.3

1. At least 90 days, any account.  Return to table


2. "Asian" is Asian, Asian American, and Pacific Islander; "American Indian" is North American Indian and Alaskan Native.  Return to table


3. Refer to text note 99 for details of computation.  Return to table


4. Median income of tract as percentage of median income of tract's MSA or, if a rural tract, of state's rural areas. Low, less than 50 percent; moderate, 50-79 percent; middle, 80-119 percent; high, 120 percent or more.  Return to table


5. Minority refers to other than non-Hispanic white.  Return to table


Return to text

 

Table 10. Number and Proportion of Individuals in Full Sample, by State, and Population Aged 18 or Older in Each State as a Proportion of U.S. Population
State Number in
sample1
Percentage
of sample
(1)
Adults as
percentage
of U.S.
population
(2)
Difference
(1 - 2)
Alabama 4,584 1.52 1.56 -.04
Alaska 630 .21 .21 .00
Arizona 5,491 1.82 1.87 -.05
Arkansas 2,848 .95 .94 .01
California 37,446 12.44 11.97 .47
Colorado 4,929 1.64 1.56 .08
Connecticut 3,484 1.16 1.22 -.06
Delaware 901 .30 .28 .02
District of Columbia 660 .22 .21 .01
Florida 19,273 6.40 6.01 .39
Georgia 8,570 2.85 2.93 -.08
Hawaii 1,229 .41 .44 -.03
Idaho 1,299 .43 .46 -.03
Illinois 12,991 4.32 4.33 -.01
Indiana 6,620 2.20 2.11 .09
Iowa 2,859 .95 1.03 -.08
Kansas 2,805 .93 .93 .00
Kentucky 4,290 1.43 1.43 .00
Louisiana 4,574 1.52 1.52 .00
Maine 1,362 .45 .47 -.02
Maryland 5,793 1.92 1.90 .02
Massachusetts 5,891 1.96 2.27 -.31
Michigan 10,485 3.48 3.46 .02
Minnesota 4,802 1.60 1.75 -.15
Mississippi 2,931 .97 .97 .00
Missouri 5,849 1.94 1.97 -.03
Montana 953 .32 .32 .00
Nebraska 1,672 .56 .60 -.04
Nevada 2,517 .84 .76 .08
New Hampshire 1,304 .43 .45 -.02
New Jersey 8,917 2.96 2.99 -.03
New Mexico 1,810 .60 .63 -.03
New York 18,758 6.23 6.73 -.50
North Carolina 8,862 2.94 2.90 .04
North Dakota 596 .20 .22 -.02
Ohio 12,293 4.08 3.96 .12
Oklahoma 3,688 1.23 1.21 .02
Oregon 3,977 1.32 1.24 .08
Pennsylvania 13,075 4.34 4.38 -.04
Rhode Island 1,043 .35 .38 -.03
South Carolina 4,357 1.45 1.43 .02
South Dakota 685 .23 .26 -.03
Tennessee 5,936 1.97 2.04 -.07
Texas 22,379 7.44 7.29 .15
Utah 2,373 .79 .74 .05
Vermont 623 .21 .22 -.01
Virginia 7,531 2.50 2.57 -.07
Washington 6,945 2.31 2.13 .18
West Virginia 1,869 .62 .65 -.03
Wisconsin 5,718 1.90 1.90 .00
Wyoming 515 .17 .17 .00

Note. For individuals whose credit record included a geographic location.  Return to table


Return to text

 

Table 11. Distribution of Selected Charactistics of the Sample in the U.S. Population, and Distribution by Status of Unknown Values(Percent)
    Characteristic     U.S. adult
population1
Unknown values excluded Unknown values imputed
Full
sample
No score
available
Score
available
Estimation
sample
Full sample No score
available
Score
available
Estimation
sample
Race or ethnicity2
Non-Hispanic white 68.7 74.6 64.4 75.8 76.4 72.5 63.9 75.0 75.6
Black 12.4 11.9 20.5 10.9 10.5 12.5 17.7 10.9 10.5
Hispanic 13.9 8.9 11.2 8.6 8.4 10.2 13.9 9.1 8.9
Asian 4.2 4.4 3.8 4.5 4.5 4.6 4.3 4.7 4.7
American Indian .8 .2 .1 .2 .2 .2 .2 .2 .2
Total 100 100 100 100 100 100 100 100 100
Sex
Male 49.2 49.4 50.9 49.2 49.0 50.5 54.6 49.3 49.0
Female 50.8 50.6 49.1 50.8 51.0 49.5 45.4 50.7 51.0
Total 100 100 100 100 100 100 100 100 100
Marital status
Married male n.a. 31.2 24.4 31.8 32.1 29.1 23.4 30.8 31.2
Single male n.a. 17.5 23.6 16.9 16.5 21.4 31.2 18.5 17.8
Married female n.a. 31.7 26.9 32.1 32.6 28.4 20.2 30.8 31.4
Single female n.a. 19.6 25.1 19.1 18.8 21.1 25.2 19.9 19.6
Total n.a. 100 100 100 100 100 100 100 100
Age (years)3
Younger than 30 22.1 16.9 25.5 15.9 15.8 20.4 32.4 16.8 16.4
30 to 39 19.3 19.7 20.9 19.5 19.3 19.7 21.1 19.3 19.2
40 to 49 20.5 22.2 20.8 22.4 22.3 21.1 18.9 21.7 21.8
50 to 59 16.0 17.7 14.3 18.1 18.4 16.3 12.0 17.6 18.0
60 or older 22.1 23.5 18.4 24.1 24.2 22.6 15.6 24.6 24.6
Total 100 100 100 100 100 100 100 100 100
Census tract characteristics4
Income ratio (percent)
Low 3.9 4.3 8.0 3.2 3.0 * * * *
Moderate 26.4 20.9 29.3 18.4 17.9 * * * *
Middle 47.0 49.9 44.8 51.5 51.6 * * * *
High 22.7 24.9 18.0 27.0 27.4 * * * *
Total 100 100 100 100 100 * * * *
Minority population (percent)
Less than 10 30.5 32.3 22.9 35.1 35.8 * * * *
10-49 47.8 44.6 43.6 44.9 44.9 * * * *
50-79 10.8 12.2 16.7 10.9 10.7 * * * *
80 or more 10.8 10.9 16.8 9.1 8.7 * * * *
Total 100 100 100 100 100 * * * *
Urban 82.7 83.7 84.1 83.6 83.5 * * * *
Rural 17.3 16.3 15.9 16.4 16.5 * * * *
Total 100 100 100 100 100 * * * *

Note. For details of imputation, refer to text.


1. Age 18 or older.  Return to table


2. For U.S. population, as defined by the Census Bureau; for the distributions in the sample population, as defined by SSA data.   Return to table


3. Final two age ranges used in other tables have been modified here to conform with Census data for the U.S. population.  Return to table


4. For definitions, refer to notes to table 9.  Return to table


n.a. Not available.  Return to table


* Data not available to support imputation  Return to table


Source. For distribution of the U.S. population by race, sex, and age, U.S. Census Bureau, Current Population Reports, 2006.


Return to text

 

Table 12. Credit Points and Distribution of the Sample Population, by Credit Characteristic, for the Three Scorecards in the FRB Base Model A. Thin-file scorecard
Characteristic and code Credit
points
Population
distribution
(percent)
Total number of public records and derogatory accounts with amount owed
greater than $100 (S059)
0 0 68.8
1 -269 9.1
2-3 -361 11.1
4 -400 3.2
5 or more -425 7.9
Total number of months since the most recent account delinquency (AT36)
Missing 407 69.2
0-1 0 4.9
2 54 1.4
3 or more 179 24.5
Percentage of total remaining balance to total maximum credit for all open revolving accounts reported in the past 12 months (RE34)
Missing -96 47.3
0-10.5 0 36.1
10.6-24.3 -6 3.3
24.4-31.9 -16 1.3
32-64.9 -66 4.4
65-94.1 -87 4.0
94.2-100 -152 1.6
100.1-103.4 -199 .5
103.5-106.3 -200 .3
106.4-172.4 -233 1.1
172.5 or more -295 .2
Total number of accounts in good standing, opened 18 or more months ago (AT26)
0 0 48.9
1 or more 73 51.1
Total maximum credit issued on open accounts reported in the past 12 months (AT28) (dollars)
0-999 0 49.1
1,000-1,999 43 10.2
2,000-134,999 71 39.8
135,000-249,999 175 .8
250,000 or more 240 .2
Total number of inquiries for credit (G096)
0 0 56.7
1 -19 15.3
2 -44 9.0
3 -48 5.8
4 -73 3.7
5-12 -74 8.4
13 or more -134 1.0
Total number of months since the most recent update on an account (G103)
0 0 37.2
1 -17 37.4
2-3 -63 8.1
4-12 -105 9.4
13 or more -114 7.9
Percentage of total remaining balance to total maximum credit for all open installment accounts reported in the past 12 months (IN34)
Missing 11 83.2
0-64.08 0 4.7
64.09-100.8 -42 11.7
100.9 or more -146 .5
Scorable sample
Number in scorecard 29,656
Percent in scorecard 12.8
Estimation sample
Number in scorecard 19,847
Percent in scorecard 9.9
Scorecard percent bad 34.8
Scorecard KS statistic 72.4

Note. A complete list of the credit characteristics in the TransUnion sample and their codes is in appendix B; the characteristics used for the three scorecards are listed in appendix C.


KS Kolmogorov-Smirnov.  Return to table


 

Table 12. Credit Points and Distribution of the Sample Population, by Credit Characteristic, for the Three Scorecards in the FRB Base Model   B. Clean-file scorecard
Characteristic and code Credit
points
Population
distribution
(percent)
Total number of months since the most recent account delinquency (AT36)
Missing 485 71.4
0 0 1.5
1 143 1.6
2 214 .9
3-4 279 1.8
5 310 .7
6-9 366 2.3
10-12 389 1.4
13-18 418 2.6
19-31 443 5.1
32-43 461 3.7
44 or more 474 7.1
Percentage of total remaining balance to total maximum credit for all open revolving accounts reported in the past 12 months (RE34)
Missing -67 2.2
0-6.7 0 47.0
6.8-11.4 -1 9.3
11.5-14.9 -3 4.7
15-20.9 -4 6.3
21-26.2 -5 4.4
26.3-35.3 -12 5.7
35.4-44.5 -16 4.6
44.6-54 -19 3.7
54.1-62.6 -45 2.8
62.7-73.1 -63 3.0
73.2-78.9 -66 1.4
79-91.6 -99 2.9
91.7 or more -172 2.1
Greatest amount of time a payment was late ever on an account (G089)1
Missing -24 71.1
Less than 60 days 0 16.4
60 days or more -61 9.2
Other -121 3.4
Total number of inquiries for credit (G096)
0 0 28.2
1 -6 17.5
2 -8 13.1
3 -14 9.8
4-5 -16 13.3
6-7 -22 7.7
8 -32 2.5
9-11 -36 4.3
12-13 -44 1.4
14-16 -62 1.1
17-24 -77 .9
25 or more -102 .2
Total number of open personal finance installment accounts reported in the past 12 months (S019)
0 0 87.8
1 -23 10.4
2 -67 1.5
3 or more -107 .4
Total number of open non-installment accounts with a remaining balance to maximum credit issued ratio greater than 50% reported in the past 12 months (S043)
0 0 58.0
1 -6 21.2
2 -20 9.3
3 -50 4.8
4 -63 2.6
5 -81 1.6
6-7 -119 1.5
8 -187 1.0
Total maximum credit issued on open accounts reported in the past 12 months (AT28) (dollars)
0-2,999 0 4.0
3,000-5,999 32 3.3
6,000-14,999 35 9.4
15,000-23,999 35 8.6
24,000-44,999 40 15.2
45,000-92,999 47 18.1
93,000-172,999 61 19.0
173,000-327,999 76 16.3
328,000 or more 92 6.2
Average age of accounts on credit report (S004) (months)
0-9 0 .7
10-15 62 1.3
16-33 104 6.3
34-44 123 4.6
45-55 134 5.5
56-61 151 3.8
62-70 151 7.4
71-75 158 4.9
76-84 161 9.7
85-103 162 19.1
104-152 164 24.6
153-224 165 9.2
225 or more 169 2.9
Scorable sample
Number in scorecard 129,289
Percent in scorecard 55.6
Estimation sample
Number in scorecard 118,061
Percent in scorecard 58.9
Scorecard percent bad 7.4
Scorecard KS statistic 53.5

Note. Refer to notes to table 12.A.


1. Late 60 days or more includes paying or paid under a wage-earner plan or similar arrangement. "Other" includes repossession, charge-off, and collection.

 

Table 12. Credit Points and Distribution of the Sample Population, by Credit Characteristic, for the Three Scorecards in the FRB Base Model   C. Major-derogatory scorecard
Characteristic and code Credit
points
Population
distribution
(percent)
Total number of public records and derogatory accounts with an amount owed greater than $100 (S059)
0 0 13.1
1 -82 20.7
2 -149 13.1
3 -201 10.0
4 -231 8.4
5 -258 6.8
6 -258 5.7
7-8 -289 8.3
9 -299 3.0
10-16 -320 8.9
17 or more -355 2.2
Percentage of accounts with no late payments reported (G051)
Missing -81 .0
0-53.2 0 44.6
53.3-62.4 10 8.6
62.5-66.6 26 6.9
66.7-71.08 33 2.7
71.09-74.9 36 3.1
75-94.6 84 23.2
94.7 or more 113 11.0
Percentage of total remaining balance to total maximum credit for all open bankcard accounts reported in the past 12 months (BC34)
Missing -104 45.3
0-28.4 0 17.8
28.5-41.9 -15 3.8
42-53.3 -34 3.4
53.4-71.7 -58 6.1
71.8-84.9 -88 6.0
85-96.4 -113 7.4
96.5-99.2 -144 2.2
99.3 or more -148 8.0
Total number of months since the most recent occurrence of a derogatory public record (G095)
Missing -32 60.3
0-10 0 5.6
11-23 2 6.7
24-26 21 1.5
27-47 40 7.8
48-64 51 6.4
65-82 77 5.9
83 or more 81 5.7
Average age of accounts on credit report (S004) (months)
0-44 0 22.5
45-54 11 10.5
55-64 21 12.4
65-69 27 6.4
70-73 33 5.0
74-82 36 10.5
83-88 37 6.3
89-97 56 7.5
98-101 70 2.6
102-114 91 6.3
115-146 91 6.7
147-326 116 3.4
327 or more 306 .0
Number accounts that have payments that are currently or previously 30 or more days past due within the past 24 months (G061)
0-1 0 49.3
2 -60 15.5
3 -81 10.8
4 -91 7.4
5 or more -101 17.0
Total number of accounts currently less than 120 days past due in the past 2 months (G088)
0 0 84.2
1 -58 11.2
2 or more -87 4.7
Percentage of accounts that are open and active with a remaining balance greater than $0 reported in the past 12 months (S046)
Missing -198 13.9
0-47.7 0 10.6
47.8-65.3 -2 10.6
65.4-78.7 -12 11.7
78.8-84.5 -18 5.1
84.6 or more -31 48.2
Total number of different credit issuers (S054)
0-4 0 16.1
5 44 6.7
6-8 64 18.4
9-10 77 10.7
11-13 92 13.5
14-17 99 13.1
18-21 106 9.0
22 or more 106 12.5
Total number of months since the most recent account delinquency (AT36)
Missing 309 10.6
0 0 14.3
1 27 13.6
2 75 6.0
3-4 97 7.6
5 124 3.4
6-8 170 6.7
9-12 199 7.3
13-16 226 5.7
17-31 236 13.1
32-39 262 3.1
40-53 290 3.6
54-70 315 3.4
71 or more 338 1.6
Scorable sample
Number in scorecard 73,522
Percent in scorecard 31.6
Estimation sample
Number in scorecard 62,529
Percent in scorecard 31.2
Scorecard percent bad 64.7
Scorecard KS statistic 61.7

Note. Refer to notes to table 12.A.


Return to text


 

Table 13. Nonlinear Conversion of Credit Points (CP) in the FRB Base Model to FRB Base Score
CP range FRB base
score
Less than -110 1
 -110  -    -51 2
   -50  -   -28 3
   -27  -     -5 4
    -4  -     16 5
    17  -     36 6
    37  -     55 7
    56  -     74 8
    75  -     94 9
    95  -   113 10
  114  -   133 11
  134  -   153 12
  154  -   173 13
  174  -   193 14
  194  -   216 15
  217  -   240 16
  241  -   265 17
  266  -   289 18
  290  -   314 19
  315  -   339 20
  340  -   366 21
  367  -   392 22
  393  -   418 23
  419  -   444 24
  445  -   471 25
  472  -   497 26
  498  -   524 27
  525  -   550 28
  551  -   577 29
  578  -   601 30
  602  -   623 31
  624  -   645 32
  646  -   666 33
  667  -   688 34
  689  -   707 35
  708  -   722 36
  723  -   737 37
  738  -   752 38
  753  -   767 39
  768  -   780 40
  781  -   791 41
  792  -   802 42
  803  -   813 43
  814  -   824 44
  825  -   834 45
  835  -   843 46
  844  -   852 47
  853  -   861 48
  862  -   869 49
  870  -   877 50
  878  -   885 51
  886  -   892 52
  893  -   899 53
  900  -   906 54
  907  -   912 55
  913  -   917 56
  918  -   922 57
  923  -   927 58
  928  -   932 59
  933  -   937 60
  938  -   940 61
  941  -   944 62
  945  -   947 63
  948  -   951 64
  952  -   954 65
  955  -   958 66
  959  -   961 67
  962  -   965 68
  966  -   968 69
  969  -   971 70
  972  -   973 71
  974  -   975 72
  976  -   977 73
  978  -   979 74
  980  -   981 75
  982  -   982 76
  983  -   983 77
  984  -   985 78
  986  -   986 79
  987  -   987 80
  988  -   988 81
  989  -   989 82
  990  -   990 83
  991  -   991 84
  992  -   992 85
  993  -   994 86
  995  -   995 87
  996  -   996 88
  997  -   998 89
  999  -   999 90
1000  -  1002 91
1003  -  1004 92
1005  -  1006 93
1007  -  1009 94
1010  -  1012 95
1013  -  1016 96
1017  -  1020 97
1021  -  1032 98
1033  -  1043 99
1044  -  1192 100

Return to text

 

Back to Contents