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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

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Tables for Findings on Differential Effect

Table 27. Decomposition of Mean Difference in the FRB Base Scores across and within Scorecards, by Selected Characteristics of the Sample Population and Scorecard
      Characteristic       Mean
score
differ-
ence
Distribution Differences within scorecards Frequency percentage
Thin Major
derog-
atory
Total Thin Clean Major
derog-
atory
Thin Clean Major derog-
atory
Race or ethnicity--SSA data
Non-Hispanic whiteB .0 .0 .0 .0 .0 .0 .0 6.9 64.5 28.6
Black -28.3 -1.9 -15.5 -11.0 -3.0 -3.2 -4.8 13.5 23.9 62.6
Hispanic -15.7 -1.5 -7.4 -6.8 -1.2 -4.0 -1.6 12.1 43.0 44.9
Asian .7 -.6 2.0 -.7 .8 -2.0 .5 9.2 66.8 24.1
American Indian 3.3 .4 .8 2.2 .6 .9 .7 5.4 67.7 27.0
Unknown race -1.9 -8.6 3.3 3.5 4.8 -1.0 -.3 37.4 41.1 21.5
Race or ethnicity--location-based distribution
Non-Hispanic whiteB .0 .0 .0 .0 .0 .0 .0 11.7 59.4 28.9
Black -15.2 -1.1 -7.8 -6.3 -2.1 -2.1 -2.1 16.5 37.6 45.9
Hispanic -9.6 -1.0 -4.3 -4.2 -1.2 -2.1 -.9 16.5 45.3 38.2
Asian -.1 -.4 .3 .0 .2 -.3 .1 13.7 58.2 28.2
American Indian -8.7 -.3 -4.6 -3.8 -.9 -1.7 -1.2 13.3 47.9 38.9
National origin
Foreign-born -1.5 .6 -.2 -1.9 -.2 -2.4 .7 10.6 57.5 32.0
Recent immigrant -5.9 -1.1 3.6 -8.4 .3 -8.5 -.2 17.6 58.5 23.9
Sex
MaleB .0 .0 .0 .0 .0 .0 .0 8.8 57.0 34.2
Female 1.2 .4 .6 .1 .1 .3 -.3 7.6 59.6 32.8
Unknown 3.9 -13.4 8.2 9.1 9.7 -.6 .0 50.6 33.2 16.2
Marital status
Married male .0 .0 .0 .0 .0 .0 .0 5.5 66.9 27.6
Single male -12.8 -1.2 -5.7 -5.9 -1.0 -3.2 -1.7 10.0 49.7 40.2
Married female 1.3 .3 .8 .2 .1 .3 -.2 4.4 69.7 25.9
Single female -11.9 -.8 -5.4 -5.8 -.8 -3.0 -2.0 8.5 52.1 39.5
Unknown -12.7 -6.5 -2.0 -4.1 .8 -3.0 -1.9 30.4 37.5 32.1
Age--SSA data (years)
Younger than 30 -32.8 -1.5 -9.2 -22.1 -6.8 -10.2 -5.1 20.9 41.4 37.7
30 to 39 -25.2 .0 -12.2 -13.1 -2.7 -5.7 -4.7 7.0 48.5 44.5
40 to 49 -17.8 .2 -9.5 -8.6 -1.9 -3.8 -2.9 5.1 56.5 38.4
50 to 61 -10.6 .3 -6.1 -4.8 -1.1 -2.4 -1.3 4.0 65.0 31.0
62 or older1 .0 .0 .0 .0 .0 .0 .0 7.1 75.4 17.5
Unknown -13.1 -4.9 .6 -8.8 -4.5 -3.0 -1.3 50.7 33.1 16.2
Census tract characteristics
Income ratio
Low -18.7 -2.6 -7.2 -8.9 -3.6 -2.9 -2.4 23.7 28.7 47.6
Moderate -9.7 -1.1 -4.4 -4.3 -1.3 -1.8 -1.2 16.8 41.8 41.4
Middle1 .0 .0 .0 .0 .0 .0 .0 12.1 56.3 31.6
High 8.4 .5 3.8 4.1 .8 2.4 .9 9.9 66.9 23.2
Unknown -4.5 -2.3 1.8 -4.0 .4 -4.2 -.2 22.3 50.1 27.6
Minority population (percent)
Less than 101 .0 .0 .0 .0 .0 .0 .0 10.6 63.9 25.5
10-49 -5.7 -.4 -3.1 -2.2 -.5 -1.1 -.6 12.7 55.1 32.2
50-79 -14.9 -1.1 -7.6 -6.2 -1.7 -2.5 -2.0 16.0 41.9 42.1
80 or more -21.3 -2.0 -10.1 -9.3 -3.2 -3.3 -2.8 20.2 32.2 47.6
Urban .0 .0 .0 .0 .0 .0 .0 12.7 55.9 31.4
Rural -1.4 .0 -.7 -.6 .1 -.4 -.3 12.9 54.3 32.8

B. Base population group from which the deviations were calculated.   Return to table

Return to text


 

Table 28.A. Thin File--Decomposition of Mean Score Difference, by Selected Characteristics of Sample Population and Credit Characteristic
      Characteristic       S0591 AT36 RE34 AT26 AT28 G096 G103 IN34 Total
Score Percent Score Percent Score Percent Score Percent Score Percent Score Percent Score Percent Score Percent Score Percent
Race or ethnicity--SSA data
Non-Hispanic whiteB .0 .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Black -1.3 43.1 -.9 29.1 -.3 8.9 -.2 5.3 -.2 5.4 -.1 3.8 -.1 4.7 .0 -.3 -3.0 100
Hispanic -.4 33.4 -.3 27.2 -.2 13.5 -.1 7.8 -.1 6.0 -.1 7.6 -.1 4.7 .0 -.2 -1.2 100
Asian .4 50.8 .2 22.2 .1 8.8 .0 1.9 .0 6.0 .0 2.1 .1 7.1 .0 1.1 .8 100
American Indian .1 9.4 .0 7.6 .2 26.0 .1 22.2 .1 10.9 .1 14.4 .0 .0 .1 9.3 .6 100
Unknown race 2.3 47.4 .9 19.7 .5 9.5 .4 9.3 .0 .2 .5 9.5 .1 1.1 .2 3.3 4.8 100
Race or ethnicity--location-based distribution
Non-Hispanic whiteB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Black -.9 41.3 -.6 29.1 -.2 10.1 -.1 5.8 -.1 5.8 -.1 3.8 -.1 4.1 .0 .0 -2.1 100
Hispanic -.4 34.4 -.4 29.2 -.2 13.9 -.1 8.1 -.1 6.2 .0 3.9 .0 4.0 .0 .4 -1.2 100
Asian .1 53.3 .0 21.5 .0 7.6 .0 -.9 .0 6.0 .0 3.9 .0 7.0 .0 1.7 .2 100
American Indian -.3 38.0 -.2 27.5 -.1 12.5 -.1 7.9 .0 3.5 .0 3.6 .0 5.4 .0 1.6 -.9 100
National origin
Foreign-born -.2 90.9 -.1 58.3 .0 -15.5 .1 -42.3 -.1 35.9 .1 -63.3 -.1 44.4 .0 -8.3 -.2 100
Recent immigrant .2 61.7 .1 31.7 .0 5.5 .0 -11.3 .0 9.8 .0 -12.8 .0 16.3 .0 -.9 .3 100
Sex
MaleB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Female .0 17.5 .0 38.4 .0 23.0 .0 13.2 .0 -14.1 .0 10.4 .0 3.4 .0 8.1 .1 100
Unknown 4.3 44.6 2.2 22.6 1.0 9.9 .9 8.8 .1 1.2 .8 8.6 .2 1.9 .2 2.5 9.7 100
Marital status
Married maleB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Single male -.5 45.7 -.3 28.5 -.1 8.6 .0 4.3 -.1 6.5 .0 3.6 -.1 5.3 .0 -2.4 -1.0 100
Married female .0 41.9 .0 24.6 .0 11.0 .0 6.1 .0 -4.6 .0 12.4 .0 3.9 .0 4.7 .1 100
Single female -.4 48.4 -.2 27.6 -.1 7.0 .0 3.0 -.1 7.9 .0 3.0 .0 6.0 .0 -3.0 -.8 100
Unknown .4 47.3 .0 2.3 .1 13.6 .2 22.9 -.2 -23.5 .3 34.7 -.1 -16.4 .2 19.1 .8 100
Age--SSA data (years)
Younger than 30 -1.9 28.0 -1.5 22.3 -1.0 14.9 -.9 13.0 -.3 4.8 -.6 9.2 -.2 2.9 -.3 5.0 -6.8 100
30 to 39 -1.1 40.5 -.6 23.5 -.3 10.9 -.2 7.9 -.1 4.7 -.2 6.1 -.1 5.2 .0 1.2 -2.7 100
40 to 49 -.8 41.5 -.5 23.8 -.2 10.9 -.1 7.7 -.1 4.5 -.1 5.2 -.1 5.3 .0 1.0 -1.9 100
50 to 61 -.4 39.8 -.3 24.6 -.1 12.1 -.1 7.6 .0 4.0 -.1 5.7 -.1 5.0 .0 1.2 -1.1 100
62 or olderB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Unknown 2.3 -50.1 -1.4 31.4 -1.8 40.1 -.9 20.7 -1.4 31.4 .2 -5.0 -1.1 25.1 -.3 6.4 -4.5 100
Census tract characteristics
Income ratio
Low -1.5 41.0 -1.0 28.2 -.4 10.1 -.2 6.1 -.2 6.7 -.1 3.9 -.2 4.3 .0 -.2 -3.6 100
Moderate -.5 42.2 -.4 27.3 -.1 10.0 -.1 6.2 -.1 6.5 -.1 4.1 -.1 3.9 .0 -.3 -1.3 100
MiddleB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
High .3 42.0 .2 24.7 .1 10.6 .1 6.4 .0 4.7 .0 4.1 .1 6.4 .0 1.1 .8 100
Unknown .3 74.0 .0 -3.6 .0 -.7 .0 4.0 .0 9.6 .0 10.4 .0 9.0 .0 -2.6 .4 100
Minority population (percent)
Less than 10B .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
10-49 -.2 35.7 -.2 34.0 -.1 11.8 .0 7.6 .0 4.9 .0 3.3 .0 3.1 .0 -.3 -.5 100
50-79 -.6 37.9 -.5 31.3 -.2 11.7 -.1 6.8 -.1 4.6 -.1 3.7 -.1 3.4 .0 .7 -1.7 100
80 or more -1.2 38.3 -1.0 29.9 -.4 11.3 -.2 6.8 -.2 6.3 -.1 3.7 -.1 3.8 .0 -.1 -3.2 100
UrbanB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Rural -.1 -72.9 .1 112.6 .0 40.4 .0 1.7 .1 64.6 .1 72.9 -.1 -67.3 -.1 -52.1 .1 100

1. For translation of codes for credit chracteristics, refer to next page.  Return to table


(B) Base population group from which the deviations were calculated.  Return to table


…Not applicable  Return to table


 

Translation of Codes for Credit Characteristics, Table 28.A
Code Credit Characteristic
AT26 Total number of accounts in good standing, opened 18 or more months ago
AT28 Total maximum credit issued on open accounts reported in the past 12 months
AT36 Total number of months since the most recent account delinquency
G096 Total number of inquiries for credit
G103 Total number of months since the most recent update on an account
IN34 Percentage of total remaining balance to total maximum credit for all open installment accounts reported in the past 12 months
RE34 Percentage of total remaining balance to total maximum credit for all open revolving accounts reported in the past 12 months
S059 Total number of public records and derogatory accounts with an amount owed greater than $100


 

Table 28.B. Clean File--Decomposition of Mean Score Difference, by Selected Characteristics of Sample Population and Credit Characteristic
      Characteristic       AT361 RE34 S004 G089 S043 AT28 G096 S019 Total
Score Percent Score Percent Score Percent Score Percent Score Percent Score Percent Score Percent Score Percent Score Percent
Race or ethnicity--SSA data
Non-Hispanic whiteB .0 .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Black -1.2 37.2 -.6 18.8 -.3 8.4 -.3 10.7 -.4 12.8 -.2 4.7 -.1 3.5 -.1 3.8 -3.2 100
Hispanic -1.3 32.4 -.5 12.2 -.9 23.5 -.3 6.9 -.4 10.0 -.2 5.1 -.2 6.0 -.2 3.8 -4.0 100
Asian 1.1 -55.3 .4 -19.7 -3.1 157.2 -.1 7.4 .2 -8.9 .0 -.4 -.7 37.3 .4 -17.6 -2.0 100
American Indian -.7 -72.8 .5 50.8 1.7 184.8 -.6 -61.4 .2 17.1 -.9 -96.2 .8 91.2 -.1 -13.5 .9 100
Unknown race .0 4.9 -.2 15.0 -.3 31.3 -.1 9.9 .1 -11.8 -.7 70.1 .1 -11.6 .1 -7.8 -1.0 100
Race or ethnicity-- location-based distribution
Non-Hispanic whiteB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Black -.8 36.8 -.4 16.9 -.2 9.8 -.2 10.6 -.2 11.5 -.2 10.5 .0 .6 -.1 3.4 -2.1 100
Hispanic -.6 27.1 -.3 13.8 -.5 23.9 -.2 8.7 -.2 10.3 -.2 9.8 -.1 2.7 -.1 3.7 -2.1 100
Asian .0 2.9 .0 5.8 -.3 109.3 .0 14.6 .0 15.8 .1 -41.4 .0 8.1 .0 -15.1 -.3 100
American Indian -.6 33.4 -.3 17.3 -.2 12.1 -.2 11.6 -.1 8.7 -.2 12.2 .0 -2.7 -.1 7.4 -1.7 100
National origin
Foreign-born -.1 4.4 .1 -3.0 -1.7 72.7 -.1 5.6 -.1 2.7 .0 -.2 -.5 20.3 .1 -2.4 -2.4 100
Recent immigrant -.1 1.3 -.4 4.7 -5.8 68.6 .0 -.1 -.4 4.7 -.7 7.9 -1.2 13.8 .1 -1.0 -8.5 100
Sex
MaleB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Female .0 13.2 .2 51.2 .1 18.6 .0 12.9 -.1 -36.9 -.3 -107.2 .3 95.5 .2 52.8 .3 100
Unknown 48.1 -8,011.2 -5.9 988.7 -5.5 921.8 .6 -103.8 33.9 -5,648.5 -143.7 23,948.5 48.8 -8,128.1 23.2 -3,867.3 -.6 100
Marital status
Married maleB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Single male -.7 21.5 -.5 16.2 -.9 27.0 -.3 8.2 -.1 4.6 -.6 19.2 -.2 5.1 .1 -1.8 -3.2 100
Married female .0 -9.6 .2 59.9 .0 -15.2 .0 13.4 -.2 -63.0 -.5 -169.7 .5 165.8 .4 118.4 .3 100
Single female -.7 22.8 -.4 12.6 -.7 23.6 -.3 8.4 -.2 8.1 -1.0 33.2 .1 -3.7 .2 -5.2 -3.0 100
Unknown -.5 18.2 -.5 16.7 -1.0 32.3 -.2 6.3 .0 .1 -.9 29.7 .0 -.7 .1 -2.6 -3.0 100
Age--SSA data (years)
Younger than 30 -2.1 20.1 -1.8 17.8 -4.2 40.7 -.2 1.8 -.7 6.4 -.2 2.3 -.9 9.0 -.2 1.9 -10.2 100
30 to 39 -2.1 36.2 -1.2 21.6 -1.2 21.6 -.2 3.7 -.8 14.9 1.3 -22.6 -1.1 19.4 -.3 5.2 -5.7 100
40 to 49 -1.8 48.0 -.8 22.0 -.6 14.7 -.1 1.8 -.9 22.9 1.5 -38.7 -.8 22.0 -.3 7.3 -3.8 100
50 to 61 -1.2 51.2 -.6 23.9 -.3 11.0 .0 1.9 -.8 32.1 1.3 -53.4 -.6 23.7 -.2 9.6 -2.4 100
62 or olderB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Unknown -.8 25.3 -.7 22.7 -.8 26.1 -.1 2.4 -.2 8.1 -.1 3.9 -.3 9.5 -.1 1.9 -3.0 100
Census tract characteristics
Income ratio
Low -.9 29.6 -.4 13.6 -.7 23.2 -.2 8.4 -.2 7.6 -.4 15.0 -.1 2.1 .0 .5 -2.9 100
Moderate -.5 26.2 -.3 15.2 -.4 20.1 -.2 9.4 -.2 9.2 -.3 18.0 .0 .7 .0 1.2 -1.8 100
MiddleB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
High .4 16.1 .4 18.6 .4 15.6 .2 7.0 .1 2.8 1.0 43.3 -.2 -7.3 .1 4.1 2.4 100
Unknown -2.0 47.5 -1.1 26.1 -.4 8.6 -.8 18.8 .2 -3.7 -.6 14.1 .3 -8.1 .1 -3.2 -4.2 100
Minority population (percent)
Less than 10B .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
10-49 -.4 33.6 -.2 19.7 -.2 20.1 -.1 9.2 -.2 16.8 .1 -5.4 .0 2.0 .0 3.9 -1.1 100
50-79 -.8 31.8 -.4 15.8 -.5 20.3 -.2 9.3 -.3 11.3 -.2 6.8 .0 1.7 -.1 3.0 -2.5 100
80 or more -1.0 31.8 -.5 14.0 -.6 17.7 -.4 10.9 -.3 10.1 -.4 11.4 .0 1.2 -.1 2.9 -3.3 100
UrbanB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Rural -23.1 5,765.7 -.4 90.4 -19.7 4,935.0 -.2 49.1 -54.3 13,571.9 142.4 -35,606.3 -60.7 15,169.5 15.5 -3,875.2 -.4 100

1. For translation of codes for credit chracteristics, refer to next page.  Return to table


(B) Base population group from which the deviations were calculated.  Return to table


…Not applicable  Return to table


 

Translation of Codes for Credit Characteristics, Table 28.B
Code Credit Characteristic
AT28 Total maximum credit issued on open accounts reported in the past 12 months
AT36 Total number of months since the most recent account delinquency
G089 Greatest amount of time a payment was late ever on an account
G096 Total number of inquiries for credit
RE34 Percentage of total remaining balance to total maximum credit for all open revolving accounts reported in the past 12 months
S004 Average age of accounts on credit report
S019 Total number of open personal finance installment accounts reported in the past 12 months
S043 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

 

Table 28.C. Major Derogatory: Decomposition of Mean Score Difference, by Selected Characteristics of Sample Population and Credit Characteristic
Characteristic G0511 AT36 S059 S046 S004 BC34 G095 G061 S054 G088 Total
Score Percent Score Percent Score Percent Score Percent Score Percent Score Percent Score Percent Score Percent Score Percent Score Percent Score Percent
Race or ethnicity--SSA data
Non-Hispanic whiteB .0 .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Black -.6 12.1 -1.0 20.4 -1.4 28.6 -.4 7.8 -.3 5.5 -.4 9.0 -.1 3.0 -.3 6.0 -.3 6.6 -.1 1.2 -4.8 100
Hispanic -.1 9.3 -.4 24.4 -.2 13.9 .0 2.2 -.3 15.8 -.1 6.5 -.2 13.0 -.1 6.7 -.1 7.3 .0 .9 -1.6 100
Asian .1 13.3 .1 14.5 .1 28.8 .1 13.0 .0 -5.3 .1 25.8 .0 -9.7 .0 4.9 .0 8.8 .0 5.8 .5 100
American Indian .0 6.2 .1 18.4 .2 21.6 .0 5.9 .1 18.9 .1 11.1 .0 6.8 .1 7.2 .0 2.4 .0 1.4 .7 100
Unknown race .0 12.1 -.1 17.0 .0 14.7 -.1 17.1 .0 -4.3 .0 5.4 -.1 16.8 .0 1.0 -.1 20.5 .0 -.2 -.3 100
Race or ethnicity--location-based distribution
Non-Hispanic whiteB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Black -.3 12.7 -.4 18.1 -.6 29.7 -.2 9.9 -.1 4.1 -.2 8.9 -.1 3.1 -.1 4.9 -.2 7.9 .0 .7 -2.1 100
Hispanic -.1 10.9 -.2 18.2 -.2 23.6 -.1 7.0 -.1 10.3 -.1 6.7 -.1 10.0 .0 4.6 -.1 9.0 .0 -.3 -.9 100
Asian .0 -20.2 .0 4.4 .0 15.1 .0 15.6 .0 15.7 .1 50.6 .0 2.2 .0 2.2 .0 -6.3 .0 20.7 .1 100
American Indian -.2 13.0 -.3 21.1 -.1 8.6 -.1 12.3 -.1 8.9 -.1 10.9 -.1 6.0 -.1 5.5 -.1 11.9 .0 2.0 -1.2 100
National origin
Foreign-born .1 16.0 .1 12.7 .2 32.1 .1 18.3 -.1 -8.0 .1 19.8 -.1 -8.1 .0 6.3 .1 8.0 .0 2.9 .7 100
Recent immigrant .6 -299.6 -.3 170.4 2.0 -1012.9 .8 -396.4 -2.3 1171.6 .9 -447.5 -1.6 790.9 .0 -9.5 -.3 151.9 .0 -18.9 -.2 100
Sex
MaleB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Female .0 12.7 -.1 39.5 .0 13.7 .1 -18.1 .0 7.4 .0 14.0 -.1 20.0 -.1 25.6 .1 -22.0 .0 7.2 -.3 100
Unknown .0 29.6 .0 -160.7 .0 -236.3 .0 245.2 .0 -232.4 .0 12.5 .0 302.3 .0 -83.7 .0 237.7 .0 -14.2 .0 100
Marital status
Married maleB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Single male -.2 12.0 -.1 6.0 -.5 27.7 -.3 17.3 -.2 11.1 -.1 7.8 -.1 5.8 .0 .6 -.2 13.1 .0 -1.4 -1.7 100
Married female .0 16.4 -.1 45.6 .0 5.0 .0 -14.6 .0 4.7 .0 13.2 .0 17.7 -.1 27.3 .0 -22.7 .0 7.4 -.2 100
Single female -.2 11.8 -.3 12.6 -.5 24.7 -.2 10.1 -.2 10.5 -.2 9.4 -.2 8.2 -.1 5.0 -.2 7.5 .0 .2 -2.0 100
Unknown -.2 11.8 -.2 8.1 -.4 22.4 -.3 15.5 -.2 10.7 -.2 9.4 -.1 7.4 .0 1.4 -.3 14.2 .0 -.9 -1.9 100
Age--SSA data (years)
Younger than 30 -.6 11.7 -.8 16.4 -.6 11.9 -.4 7.1 -1.0 20.5 -.5 9.1 -.4 7.7 -.3 6.4 -.4 8.2 -.1 1.0 -5.1 100
30 to 39 -.6 12.1 -.9 19.0 -1.0 21.0 -.3 7.0 -.8 17.9 -.5 10.2 -.1 1.8 -.4 7.6 -.1 1.8 -.1 1.6 -4.7 100
40 to 49 -.3 11.9 -.7 23.6 -.6 22.3 -.2 5.3 -.5 17.6 -.3 9.5 .0 -1.2 -.3 9.5 .0 -1.0 -.1 2.5 -2.9 100
50 to 61 -.2 12.6 -.3 26.4 -.4 27.3 .0 2.5 -.2 18.9 -.1 8.5 .1 -5.0 -.1 11.3 .1 -5.5 .0 3.0 -1.3 100
62 or olderB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Unknown -.2 12.2 -.2 16.2 -.2 15.5 -.1 11.0 -.2 15.6 -.1 9.4 -.1 5.9 -.1 5.7 -.1 7.3 .0 1.2 -1.3 100
Census tract characteristics
Income ratio
Low -.3 12.4 -.3 11.7 -.7 28.4 -.3 14.4 -.2 6.3 -.2 7.9 -.1 4.4 -.1 2.1 -.3 13.0 .0 -.6 -2.4 100
Moderate -.1 11.6 -.1 11.6 -.4 30.6 -.1 12.4 -.1 6.6 -.1 9.4 -.1 4.5 .0 2.5 -.1 11.1 .0 -.4 -1.2 100
MiddleB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
High .1 11.8 .1 13.8 .2 25.2 .1 11.4 .1 10.0 .1 12.5 .0 1.1 .0 3.4 .1 9.8 .0 .9 .9 100
Unknown -.2 107.4 -.4 224.3 1.0 -522.4 .2 -77.9 -.1 42.1 .1 -72.5 -.4 201.0 -.2 100.7 -.2 91.1 .0 6.2 -.2 100
Minority population (percent)
Less than 10B .0 . . . .0 . . . .0 . . . .0 . . . .0 .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
10-49 -.1 11.7 -.1 17.6 -.2 35.1 .0 7.1 .0 5.6 .0 8.0 .0 4.4 .0 5.7 .0 4.8 .0 -.1 -.6 100
50-79 -.2 11.8 -.4 19.2 -.6 29.7 -.2 7.6 -.1 6.6 -.1 7.4 -.1 4.7 -.1 5.6 -.1 7.1 .0 .4 -2.0 100
80 or more -.4 12.8 -.5 18.8 -.7 26.6 -.2 8.6 -.2 5.4 -.2 8.2 -.2 5.8 -.1 5.0 -.2 8.5 .0 .4 -2.8 100
Urban2 .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Rural .0 -.8 .0 -14.5 .0 8.1 -.1 34.8 -.1 22.2 -.1 22.0 .0 7.4 .0 -11.1 -.1 32.6 .0 -.7 -.3 100

1. For translation of codes for credit chracteristics, refer to next page.  Return to table


B. Base population group from which the deviations were calculated.  Return to table


…Not applicable.  Return to table


 

Translation of Codes for Credit Characteristics, Table 28.C
Code Translation
AT36 Total number of months since the most recent account delinquency
BC34 Percentage of total remaining balance to total maximum credit for all open bankcard accounts reported in the past 12 months
G051 Percentage of accounts with no late payments reported
G061 Number of accounts that have payments that are presently or previously 30 or more days past due within the past 24 months
G088 Total number of accounts presently less than 120 days past due in the past 2 months
G095 Total number of months since the most recent occurrence of a derogatory public record
S004 Average age of accounts on credit report
S046 Percentage of accounts that are open and active with a remaining balance greater than $0 reported in the past 12 months
S054 Total number of different credit issuers
S059 Total number of unique account numbers

Return to text


 

Table 29. All Scorecards: Decomposition of Mean Score Difference, by Selected Characteristics of Sample Population and Variable Groups
      Characterisitc       Variable group Total
Types of credit in use New credit Length of credit history Amounts owed Payment history
Score Percent Score Percent Score Percent Score Percent Score Percent Score Percent
Race or ethnicity--SSA data
Non-Hispanic whiteB .0 .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Black -.5 4.3 -.2 1.9 -.6 5.6 -2.0 18.0 -7.7 70.2 -11.0 100
Hispanic -.3 4.5 -.2 3.0 -1.1 16.4 -1.2 17.9 -4.0 58.2 -6.8 100
Asian -.1 10.5 .1 -10.5 .3 -42.1 -.3 36.8 -.7 100.0 -.7 100
American Indian .0 .0 .2 10.5 .8 36.8 .3 15.8 .7 31.6 2.2 100
Unknown race -.1 -1.7 .4 11.7 .0 .0 .3 8.3 2.8 80.0 3.5 100
Race or ethnicity-- location-based distribution
Non-Hispanic whiteB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Black -.2 3.6 -.1 1.2 -.3 4.8 -1.4 21.4 -4.3 67.9 -6.3 100
Hispanic -.2 4.7 -.1 2.3 -.6 14.0 -.9 20.9 -2.5 60.5 -4.2 100
Asian .0 .0 .0 .0 .0 -66.7 .0 66.7 .0 100.0 .0 100
American Indian -.3 8.7 .0 .0 -.3 8.7 -.9 23.9 -2.2 58.7 -3.8 100
National origin
Foreign-born -.3 14.3 .8 -42.9 1.9 -100.0 -1.6 85.7 -2.7 142.9 -1.9 100
Recent immigrant -.4 5.3 -3.1 36.8 -12.4 147.4 .0 .0 6.2 -73.7 -8.4 100
Sex
MaleB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Female -.1 -66.7 .0 -33.3 .0 .0 .0 33.3 .2 166.7 .1 100
Unknown .0 .0 .9 9.6 .3 3.0 .9 10.4 7.0 77.0 9.1 100
Marital status
Married male1 .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Single male -.4 6.5 -.2 3.2 -.9 14.5 -1.5 25.8 -3.0 51.6 -5.9 100
Married female -.2 -100.0 -.1 -50.0 .0 .0 .1 50.0 .4 200.0 .2 100
Single female -.2 3.1 .1 -1.5 -.7 12.3 -1.5 26.2 -3.4 58.5 -5.8 100
Unknown -.5 12.2 .3 -7.3 -1.0 24.4 -1.4 34.1 -1.5 36.6 -4.1 100
Age--SSA data (years)
Younger than 30 -.9 4.2 -1.1 5.2 -4.5 20.3 -4.8 21.7 -10.9 49.5 -22.1 100
30 to 39 -.4 2.7 -.7 5.4 -2.1 16.1 -2.1 16.1 -7.9 60.4 -13.1 100
40 to 49 -.1 1.0 -.5 6.1 -1.2 14.1 -1.1 13.1 -5.6 65.7 -8.6 100
50 to 61 -.1 1.9 -.5 9.4 -.7 15.1 -.5 9.4 -3.3 67.9 -4.8 100
62 or olderB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Unknown -.3 3.9 .0 .0 -1.9 21.6 -3.8 43.1 -2.9 33.3 -8.8 100
Census tract characteristics
Income ratio
Low -.5 6.1 -.2 1.7 -.7 7.8 -1.9 21.7 -5.6 62.6 -8.9 100
Moderate -.3 5.9 -.1 2.0 -.4 9.8 -1.0 23.5 -2.5 58.8 -4.3 100
MiddleB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
High .2 5.4 -.1 -2.7 .6 13.5 1.4 35.1 2.1 51.4 4.1 100
Unknown -1.0 25.0 4.0 -100.0 -1.0 25.0 -5.0 125.0 -1.0 25.0 -4.0 100
Minority population (percent)
Less than 10B .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
10-49 -.1 3.8 .0 .0 -.3 11.5 -.4 19.2 -1.4 65.4 -2.2 100
50-79 -.2 3.9 -.1 1.3 -.6 9.2 -1.2 19.7 -4.2 67.1 -6.2 100
80 or more -.5 5.2 -.1 .9 -.6 6.9 -1.9 20.7 -6.2 66.4 -9.3 100
UrbanB .0 . . . .0 . . . .0 . . . .0 . . . .0 . . . .0 . . .
Rural -.2 40.0 .1 -20.0 -.1 20.0 -.6 100.0 .1 -20.0 -.6 100

(B) Base population group from which the deviations were calculated.  Return to table


…Not applicable  Return to table

 

Return to text


 

Table 30.A. Thin File: Score Differences from the Elimination of Credit Characteristics, by Selected Characteristics of Sample Population and Credit Characteristic
Characteristic Base score G096 RE34 AT28 S059 AT36 G103 IN34 AT26
Race or ethnicity--SSA data
Non-Hispanic white 40.7 .34 -1.55 -.76 .48 -.50 .24 -.05 -.05
Black 18.6 .16 .14 .17 1.36 .49 .04 -.01 .02
Hispanic 30.4 .55 -.04 -.09 .09 -.34 .13 -.13 .18
Asian 49.7 .89 -2.30 -1.38 -1.11 -.75 -.20 -.28 .83
American Indian 51.5 .30 -3.74 -2.74 2.76 -.01 .90 -.69 -.82
Unknown race 53.6 -.66 -2.02 .86 -.67 -.26 1.71 -.16 -.84
Race or ethnicity--location-based distribution
Non-Hispanic white 46.7 -.10 -1.84 .01 -.07 -.40 .98 -.12 -.41
Black 33.7 -.13 -.55 .50 .37 .13 .56 -.06 -.37
Hispanic 39.3 -.09 -.72 .28 -.11 -.12 .68 -.10 -.17
Asian 48.2 -.09 -1.99 -.29 -.22 -.58 .81 -.14 -.19
American Indian 40.0 .01 -1.09 -.01 .12 -.15 .74 -.09 -.36
National origin
Foreign-born 42.7 1.01 -1.25 -.90 -.76 -.76 -.13 -.32 .49
Recent immigrant 45.9 1.44 -1.80 -.67 -1.75 -1.07 -.44 -.40 1.30
Sex
Male 35.5 .50 -1.04 -.69 .31 -.27 .16 -.10 .08
Female 36.8 .26 -1.21 -.39 .62 -.36 .16 -.05 .03
Unknown 54.6 -.77 -2.05 .97 -.68 -.25 1.84 -.15 -.93
Marital status
Married male 44.1 .75 -1.77 -1.20 -.26 -.52 .16 -.03 .06
Single male 34.1 .48 -.98 -.65 .50 -.23 .10 -.22 -.07
Married female 46.3 .19 -1.85 -.88 .12 -.56 .31 -.03 .06
Single female 35.0 .30 -1.15 -.23 .74 -.24 .10 -.13 -.29
Unknown 46.6 -.43 -1.57 .61 -.21 -.23 1.30 -.11 -.54
Age--SSA data (years)
Younger than 30 31.3 .67 -.41 .32 -.66 -.32 -.13 .42 .75
30 to 39 24.9 .49 -.24 -.32 1.22 -.27 .11 -.17 .07
40 to 49 26.9 .20 -.24 -.49 1.70 -.25 .27 -.26 -.08
50 to 61 36.5 .39 -.64 -1.36 1.02 -.06 .37 -.47 -.58
62 or older 63.6 -.17 -4.39 -2.27 .97 -.53 .64 -.73 -1.03
Unknown 54.6 -.77 -2.06 .97 -.68 -.25 1.84 -.15 -.93
Census tract characteristics
Income ratio
Low 30.0 -.04 -.26 .70 .28 .03 .57 -.07 -.21
Moderate 37.1 -.08 -.85 .33 .24 -.15 .60 -.10 -.24
Middle 45.0 -.09 -1.62 -.01 -.10 -.32 1.01 -.11 -.38
High 53.5 -.17 -2.44 -.09 -.24 -.50 .98 -.12 -.51
Unknown 46.6 -.94 .05 1.23 -1.89 3.14 1.15 .07 .04
Minority population (percent)
Less than 10 48.9 -.10 -2.13 -.04 -.15 -.59 1.15 -.14 -.50
10-49 45.0 -.11 -1.62 .06 .00 -.27 .85 -.10 -.35
50-79 38.0 -.08 -.75 .17 .07 .05 .58 -.09 -.23
80 or more 33.1 -.12 -.29 .55 .15 .06 .49 -.07 -.18
Urban 43.9 -.09 -1.48 .16 -.04 -.31 .85 -.11 -.37
Rural 44.6 -.19 -1.75 -.22 .09 -.25 1.00 -.10 -.32
All 44.0 -.10 -1.52 .10 -.03 -.29 .88 -.11 -.36

1. For translation of codes for credit characteristics, refer to next page.


 

Translation of Codes for Credit Characteristics, Table 30.A
Code Credit Characteristic
AT26 Total number of accounts in good standing, opened 18 or more months ago
AT28 Total maximum credit issued on open accounts reported in the past 12 months
AT36 Total number of months since the most recent account delinquency
G096 Total number of inquiries for credit
G103 Total number of months since the most recent update on an account
IN34 Percentage of total remaining balance to total maximum credit for all open installment accounts reported in the past 12 months
RE34 Percentage of total remaining balance to total maximum credit for all open revolving accounts reported in the past 12 months
S059 Total number of public records and derogatory accounts with an amount owed greater than $100

 

Table 30.B. Clean File: Score Differences from the Elimination of Credit Characteristics, by Selected Characteristics of Sample Population and Credit Characteristic
Characteristic Base score S019 G096 S004 RE34 AT28 G089 S043 AT36
Race or ethnicity--SSA data
Non-Hispanic white 69.0 -.16 .04 -.25 -.05 -1.37 -.15 -.14 -.09
Black 55.8 .04 .01 -.02 .32 -.19 .22 .04 -.26
Hispanic 59.8 -.05 -.07 1.25 -.23 -.92 -.01 -.01 -.25
Asian 66.1 -.53 .14 2.22 -.35 -2.01 .08 -.01 -.26
American Indian 70.3 .15 -.06 -1.21 -.03 -.58 .12 -.06 .21
Unknown race 66.7 -.16 .07 -.44 -.07 .10 -.20 .04 -.06
Race or ethnicity--location-based distribution
Non-Hispanic white 68.4 -.17 .08 -.17 -.06 -1.21 -.15 -.11 -.09
Black 62.8 -.01 -.10 .02 -.01 -.40 .02 .02 -.11
Hispanic 63.8 -.09 -.08 .55 -.12 -.87 -.03 -.01 -.23
Asian 68.0 -.29 -.05 .61 -.15 -2.13 -.03 -.09 -.24
American Indian 64.9 .08 -.19 .14 .07 -.70 .00 -.12 .04
National origin
Foreign-born 63.8 -.35 .06 1.96 -.40 -1.57 .05 .03 -.26
Recent immigrant 53.5 -.39 -.18 6.71 -.87 -1.02 .16 .18 .10
Sex
Male 67.4 .00 .25 -.09 .05 -1.56 -.13 -.27 -.19
Female 68.0 -.31 -.16 .07 -.18 -1.11 -.11 .03 -.07
Unknown 65.8 -.13 .09 -.87 .03 1.37 -.22 .14 .14
Marital status
Married male 70.3 .08 .26 -.56 .00 -2.15 -.18 -.28 -.23
Single male 63.9 -.17 .23 .43 .07 -.67 -.03 -.21 -.09
Married female 70.8 -.32 -.25 -.22 -.18 -1.91 -.16 -.02 -.13
Single female 64.6 -.33 .02 .16 -.22 .22 -.02 .16 -.04
Unknown 62.4 -.15 .08 .51 .07 .36 -.11 -.05 .04
Age--SSA data (years)
Younger than 30 50.0 -.19 -.32 5.44 -.14 -.26 .01 -.23 .28
30 to 39 63.1 -.29 .17 .87 .30 -2.38 -.12 -.68 -.06
40 to 49 68.0 -.16 .18 -.34 .11 -3.06 -.29 -.39 -.15
50 to 61 71.0 -.07 .07 -.79 -.14 -2.40 -.17 .00 -.46
62 or older 74.7 -.15 -.03 -1.86 -.34 1.13 .01 .39 -.03
Unknown 65.8 -.12 .09 -.87 .04 1.39 -.22 .14 .14
Census tract characteristics
Income ratio
Low 57.3 -.11 -.05 1.07 -.18 .81 .16 .21 .12
Moderate 63.0 -.10 -.10 .26 -.09 .24 -.05 .07 -.16
Middle 67.2 -.14 -.01 -.06 -.02 -.68 -.13 -.08 -.06
High 70.8 -.21 .20 -.27 -.12 -2.62 -.17 -.21 -.19
Unknown 58.8 -.32 -.67 .33 1.32 -.13 .74 -.71 .30
Minority population (percent)
Less than 10 69.3 -.20 .17 -.37 -.07 -1.02 -.18 -.13 -.01
10-49 67.3 -.14 -.05 .09 -.05 -1.51 -.12 -.10 -.19
50-79 63.3 -.09 -.14 .59 -.09 -.80 -.01 .01 -.22
80 or more 59.2 -.02 -.15 .65 -.14 .01 .21 .12 -.19
Urban 67.7 -.18 .10 -.07 -.09 -1.40 -.12 -.11 -.15
Rural 66.9 -.06 -.23 -.07 .05 .13 -.13 -.02 .07
All 67.6 -.16 .04 -.07 -.06 -1.16 -.12 -.10 -.11

1. For translation of codes for credit characteristics, refer to next page.


 

Translation of Codes for Credit Characteristics, Table 30.B
Code Credit Characteristic
AT28 Total maximum credit issued on open accounts reported in the past 12 months
AT36 Total number of months since the most recent account delinquency
G089 Greatest amount of time a payment was late ever on an account
G096 Total number of inquiries for credit
RE34 Percentage of total remaining balance to total maximum credit for all open revolving accounts reported in the past 12 months
S004 Average age of accounts on credit report
S019 Total number of open personal finance installment accounts reported in the past 12 months
S043 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

 

Table 30.C. Major Derogatory: Score Differences from the Elimination of Credit Characteristics, by Selected Characteristics of Sample Population and Credit Characteristic
Characteristic Base score S046 S054 S059 G095 G061 G088 G051 AT36 S004 BC34
Race or ethnicity--SSA data
Non-Hispanic white 23.5 .09 -.11 -.48 -.21 .06 -.01 .06 -.06 -.12 -.20
Black 15.9 -.07 .03 .21 .05 -.02 -.03 .05 -.03 .02 -.04
Hispanic 19.9 -.03 -.10 -.11 .15 -.02 -.04 .04 .00 .32 -.09
Asian 25.4 .08 -.19 -.49 -.15 .02 -.10 .12 .10 .29 -.33
American Indian 26.0 .07 .01 -.37 -.34 .11 -.01 .07 -.14 -.65 -.30
Unknown race 22.0 .11 .05 -.26 .01 .06 -.03 .03 .07 -.29 -.12
Race or ethnicity--location-based distribution
Non-Hispanic white 22.6 .06 -.09 -.40 -.15 .04 -.02 .05 -.04 -.08 -.18
Black 18.1 .01 .02 .04 .03 .01 -.03 .05 -.01 -.06 -.08
Hispanic 20.2 .02 -.06 -.05 .05 .01 -.04 .06 .00 .07 -.11
Asian 22.9 .06 -.10 -.39 -.23 .05 -.06 .12 .01 -.11 -.22
American Indian 19.7 .10 .03 -.45 -.08 .06 -.03 .04 -.03 .06 -.13
National origin
Foreign-born 23.5 .01 -.14 -.24 -.01 -.01 -.07 .05 .10 .29 -.25
Recent immigrant 20.7 .04 -.17 -.33 .37 -.10 -.06 .01 .22 1.25 -.24
Sex
Male 22.0 .09 -.05 -.31 -.18 .03 -.03 .04 .00 -.10 -.26
Female 21.2 -.01 -.11 -.27 -.05 .04 -.02 .08 -.07 .03 -.06
Unknown 21.8 .18 .09 -.29 .12 .03 -.03 .04 .09 -.42 -.09
Marital status
Married male 24.9 .04 -.20 -.55 -.26 .07 -.01 .05 -.02 -.34 -.37
Single male 20.7 .14 .03 -.12 -.14 .02 -.03 .01 .00 .01 -.21
Married female 24.1 -.05 -.20 -.61 -.18 .10 -.01 .11 -.08 -.18 -.13
Single female 19.9 -.01 -.08 -.09 .03 .03 -.02 .07 -.06 .10 .00
Unknown 19.0 .10 .08 -.10 .03 -.02 -.04 .04 .00 .10 -.08
Age--SSA data (years)
Younger than 30 16.0 -.04 -.03 -.56 .29 -.07 -.03 .17 -.21 .86 -.04
30 to 39 19.1 .04 -.11 -.27 -.07 -.02 -.02 .08 -.08 .46 -.03
40 to 49 22.0 .06 -.09 -.31 -.25 .04 -.03 .05 .01 .02 -.19
50 to 61 25.3 .05 -.14 -.13 -.34 .06 -.02 .05 .04 -.60 -.32
62 or older 29.5 .09 .04 -.14 -.13 .28 .00 -.16 .11 -1.79 -.32
Unknown 21.8 .18 .09 -.30 .12 .03 -.03 .04 .09 -.42 -.09
Census tract characteristics
Income ratio
Low 16.7 .07 .16 .18 .09 .00 -.04 .08 .04 .07 -.06
Moderate 19.0 .03 .02 -.02 .00 .00 -.02 .03 -.05 .03 -.05
Middle 21.8 .05 -.07 -.34 -.12 .05 -.01 .05 -.04 -.02 -.15
High 25.6 .06 -.23 -.60 -.20 .05 -.05 .12 .00 -.30 -.33
Unknown 21.1 -.20 .04 -1.79 .22 .03 .01 .19 -.16 -.39 -.49
Minority population (percent)
Less than 10 23.7 .07 -.08 -.58 -.19 .06 .01 .04 -.04 -.09 -.20
10-49 21.9 .06 -.11 -.26 -.13 .03 -.04 .06 -.04 -.08 -.17
50-79 19.0 .02 .00 .08 .01 .04 -.02 .05 .02 .07 -.11
80 or more 17.8 -.03 .04 .02 .13 -.01 -.05 .08 .01 -.04 -.05
Urban 21.8 .04 -.10 -.30 -.12 .03 -.03 .09 -.02 -.07 -.16
Rural 20.9 .11 .09 -.21 -.01 .07 .01 -.08 -.06 .01 -.14
All 21.6 .05 -.07 -.29 -.10 .03 -.02 .06 -.03 -.06 -.16

1. For translation of codes for credit characteristics, refer to next page.


 

Translation of Codes for Credit Characteristics, Table 30.C
Code Credit Characteristic
AT36 Total number of months since the most recent account delinquency
BC34 Percentage of total remaining balance to total maximum credit for all open bankcard accounts reported in the past 12 months
G051 Percentage of accounts with no late payments reported
G061 Number of accounts that have payments that are presently or previously 30 or more days past due within the past 24 months
G088 Total number of accounts presently less than 120 days past due in the past 2 months
G095 Total number of months since the most recent occurrence of a derogatory public record
S004 Average age of accounts on credit report
S046 Percentage of accounts that are open and active with a remaining balance greater than $0 reported in the past 12 months
S054 Total number of different credit issuers
S059 Total number of unique account numbers

Return to text


 

Table 31.A. Thin File: Score Differences from Group Elimination, by Selected Characteristics of Sample Population and Variable Groups
Characteristic Base score Variable group
New credit Length of
credit
history
Amounts
owed
Payment
history
Race or ethnicity--SSA data
Non-Hispanic white 40.7 .34 .24 -3.05 -.17
Black 18.6 .16 .04 .11 4.00
Hispanic 30.4 .55 .13 -.71 .00
Asian 49.7 .89 -.20 -4.80 -1.96
American Indian 51.5 .30 .90 -8.10 1.93
Unknown race 53.6 -.66 1.71 -3.84 -3.36
Race or ethnicity--location-based distribution
Non-Hispanic white 46.7 -.10 .98 -3.54 -1.69
Black 33.7 -.13 .56 -1.20 .57
Hispanic 39.3 -.09 .68 -1.75 -.76
Asian 48.2 -.09 .81 -3.96 -1.85
American Indian 40.0 .01 .74 -2.37 -.76
National origin
Foreign-born 42.7 1.01 -.13 -3.06 -2.00
Recent immigrant 45.9 1.44 -.44 -3.52 -2.98
Sex
Male 35.5 .50 .16 -2.23 .46
Female 36.8 .26 .16 -2.40 .39
Unknown 54.6 -.77 1.84 -3.91 -3.53
Marital status
Married male 44.1 .75 .16 -3.60 -1.13
Single male 34.1 .48 .10 -2.21 .69
Married female 46.3 .19 .31 -3.72 -.99
Single female 35.0 .30 .10 -2.30 .58
Unknown 46.6 -.43 1.30 -3.03 -1.91
Age--SSA data (years)
Younger than 30 31.3 .67 -.13 .07 -.15
30 to 39 24.9 .49 .11 -.89 2.22
40 to 49 26.9 .20 .27 -1.34 2.44
50 to 61 36.5 .39 .37 -3.03 .76
62 or older 63.6 -.17 .64 -9.19 -1.63
Unknown 54.6 -.77 1.84 -3.91 -3.53
Census tract characteristics
Income ratio
Low 30.0 -.04 .57 -.43 .79
Moderate 37.1 -.08 .60 -1.71 -.16
Middle 45.0 -.09 1.01 -3.21 -1.51
High 53.5 -.17 .98 -4.75 -2.55
Unknown 46.6 -.94 1.15 -.38 .78
Minority population (percent)
Less than 10 48.9 -.10 1.15 -3.98 -2.31
10-49 45.0 -.11 .85 -3.21 -1.23
50-79 38.0 -.08 .58 -1.79 -.19
80 or more 33.1 -.12 .49 -.83 .39
Urban 43.9 -.09 .85 -2.93 -1.31
Rural 44.6 -.19 1.00 -3.38 -1.08
All 44.0 -.10 .88 -2.99 -1.26

Note: Refer to notes to table 9.


 

Table 31.B. Clean File: Score Differences from Group Elimination, by Selected Characteristics of Sample Population and Variable Groups
Characteristic Base
score
Variable group
Types of
credit in
use
New credit Length
of credit
history
Amounts
owed
Payment
history
Race or ethnicity--SSA data
Non-Hispanic white 69.0 -.16 .04 -.25 -.78 -.06
Black 55.8 .04 .01 -.02 1.82 1.74
Hispanic 59.8 -.05 -.07 1.25 -.82 .80
Asian 66.1 -.53 .14 2.22 -3.09 -.21
American Indian 70.3 .15 -.06 -1.21 .86 .84
Unknown race 66.7 -.16 .07 -.44 1.25 .21
Race or ethnicity--location-based distribution
Non-Hispanic white 68.4 -.17 .08 -.17 -.65 -.04
Black 62.8 -.01 -.10 .02 .93 .93
Hispanic 63.8 -.09 -.08 .55 -.22 .45
Asian 68.0 -.29 -.05 .61 -1.85 .25
American Indian 64.9 .08 -.19 .14 .19 .29
National origin
Foreign-born 63.8 -.35 .06 1.96 -2.40 .19
Recent immigrant 53.5 -.39 -.18 6.71 -3.23 -.74
Sex
Male 67.4 .00 .25 -.09 -1.27 -.02
Female 68.0 -.31 -.16 .07 -.37 .17
Unknown 65.8 -.13 .09 -.87 3.19 .18
Marital status
Married male 70.3 .08 .26 -.56 -1.80 -.13
Single male 63.9 -.17 .23 .43 -.31 .18
Married female 70.8 -.32 -.25 -.22 -1.16 .08
Single female 64.6 -.33 .02 .16 1.13 .38
Unknown 62.4 -.15 .08 .51 1.07 .16
Age--SSA data (years)
Younger than 30 50.0 -.19 -.32 5.44 -1.60 -1.03
30 to 39 63.1 -.29 .17 .87 -2.96 -.55
40 to 49 68.0 -.16 .18 -.34 -2.94 -.07
50 to 61 71.0 -.07 .07 -.79 -1.59 .26
62 or older 74.7 -.15 -.03 -1.86 3.15 .87
Unknown 65.8 -.12 .09 -.87 3.21 .18
Census tract characteristics
Income ratio
Low 57.3 -.11 -.05 1.07 1.83 .94
Moderate 63.0 -.10 -.10 .26 1.35 .42
Middle 67.2 -.14 -.01 -.06 .10 -.02
High 70.8 -.21 .20 -.27 -2.52 .05
Unknown 58.8 -.32 -.67 .33 1.80 2.75
Minority population (percent)
Less than 10 69.3 -.20 .17 -.37 -.59 -.24
10-49 67.3 -.14 -.05 .09 -.78 .18
50-79 63.3 -.09 -.14 .59 .00 .80
80 or more 59.2 -.02 -.15 .65 1.11 1.33
Urban 67.7 -.18 .10 -.07 -.84 .09
Rural 66.9 -.06 -.23 -.07 .95 .06
All 67.6 -.16 .04 -.07 -.55 .09

Note: Refer to notes to table 9.


 

Table 31.C. Major Derogatory: Score Differences from Group Elimination, by Selected Characteristics of Sample Population and Variable Groups
Characteristic Base
score
Variable group
Types of
credit in
use
Length
of credit
history
Amounts
owed
Payment
history
Race or ethnicity--SSA data
Non-Hispanic white 23.5 -.11 -.12 -.15 -2.18
Black 15.9 .03 .02 -.05 .65
Hispanic 19.9 -.10 .32 -.18 -.74
Asian 25.4 -.19 .29 -.56 -2.00
American Indian 26.0 .01 -.65 -.25 -2.35
Unknown race 22.0 .05 -.29 -.09 -1.09
Race or ethnicity--location-based distribution
Non-Hispanic white 22.6 -.09 -.08 -.16 -1.81
Black 18.1 .02 -.06 -.06 -.05
Hispanic 20.2 -.06 .07 -.13 -.74
Asian 22.9 -.10 -.11 -.27 -1.45
American Indian 19.7 .03 .06 .04 -1.44
National origin
Foreign-born 23.5 -.14 .29 -.47 -1.40
Recent immigrant 20.7 -.17 1.25 -.56 -1.10
Sex
Male 22.0 -.05 -.10 -.18 -1.75
Female 21.2 -.11 .03 -.12 -1.09
Unknown 21.8 .09 -.42 -.01 -1.03
Marital status
Married male 24.9 -.20 -.34 -.29 -2.43
Single male 20.7 .03 .01 -.13 -1.26
Married female 24.1 -.20 -.18 -.23 -1.60
Single female 19.9 -.08 .10 -.07 -.72
Unknown 19.0 .08 .10 -.02 -.98
Age--SSA data (years)
Younger than 30 16.0 -.03 .86 -.12 -1.42
30 to 39 19.1 -.11 .46 .04 -1.14
40 to 49 22.0 -.09 .02 -.11 -1.07
50 to 61 25.3 -.14 -.60 -.33 -1.56
62 or older 29.5 .04 -1.79 -.43 -2.64
Unknown 21.8 .09 -.42 -.01 -1.04
Census tract characteristics
Income ratio
Low 16.7 .16 .07 -.01 .14
Moderate 19.0 .02 .03 -.03 -.73
Middle 21.8 -.07 -.02 -.11 -1.52
High 25.6 -.23 -.30 -.38 -2.28
Unknown 21.1 .04 -.39 -.85 -.39
Minority population (percent)
Less than 10 23.7 -.08 -.09 -.18 -2.28
10-49 21.9 -.11 -.08 -.13 -1.53
50-79 19.0 .00 .07 -.11 -.27
80 or more 17.8 .04 -.04 -.12 .28
Urban 21.8 -.10 -.07 -.17 -1.30
Rural 20.9 .09 .01 .02 -1.88
All 21.6 -.07 -.06 -.14 -1.40

Note: Refer to notes to table 9.

Return to text


 

Table 32.A. Thin File: Biggest Changes in Scores Arising from the Addition of New Credit Characteristics
Characteristic Base score Largest positive effect Largest negative effect
Character-
istic
Difference Character-
istic
Difference
Race or ethnicity--SSA data
Non-Hispanic white 40.7 IN21 .52 AT35 -.67
Black 18.6 IN21 .28 G047 -.15
Hispanic 30.4 AT10 .25 AT20 -.34
Asian 49.7 AT10 .49 AT20 -1.18
American Indian 51.5 G104 .99 AT35 -2.06
Unknown race 53.6 IN21 .56 S040 -.56
Race or ethnicity--location-based distribution
Non-Hispanic white 46.7 IN21 .56 S040 -.38
Black 33.7 IN21 .30 S040 -.20
Hispanic 39.3 IN21 .26 AT20 -.23
Asian 48.2 IN21 .58 AT35 -.42
American Indian 40.0 AT34 .36 AT35 -.43
National origin
Foreign-born 42.7 AT10 .44 AT20 -.74
Recent immigrant 45.9 AT10 .54 AT20 -1.36
Sex
Male 35.5 IN21 .31 AT35 -.56
Female 36.8 IN21 .51 RT21 -.47
Unknown 54.6 IN21 .59 S040 -.60
Marital status
Married male 44.1 IN21 .43 AT35 -.79
Single male 34.1 IN21 .29 AT35 -.57
Married female 46.3 IN21 .58 AT35 -.69
Single female 35.0 IN21 .52 RT21 -.50
Unknown 46.6 IN21 .50 S040 -.42
Age--SSA data (years)
Younger than 30 31.3 RT28 .36 AT20 -.53
30 to 39 24.9 RT28 .48 AT20 -.39
40 to 49 26.9 RT28 .51 S004 -.34
50 to 61 36.5 IN21 .49 AT35 -.44
62 or older 63.6 G104 1.24 AT35 -1.78
Unknown 54.6 IN21 .59 S040 -.60
Census tract characteristics
Income ratio
Low 30.0 AT10 .17 AT20 -.22
Moderate 37.1 IN21 .31 S040 -.23
Middle 45.0 IN21 .51 S040 -.35
High 53.5 IN21 .72 S040 -.47
Unknown 46.6 AT24 .69 S004 -.45
Minority population (percent)
Less than 10 48.9 IN21 .61 S040 -.42
10-49 45.0 IN21 .53 S040 -.35
50-79 38.0 IN21 .29 S040 -.25
80 or more 33.1 AT10 .21 AT20 -.21
Urban 43.9 IN21 .48 S040 -.33
Rural 44.6 IN21 .48 AT35 -.39
All 44.0 IN21 .48 S040 -.33

     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. Refer also to notes to table 9.


 

Table 32.B. Clean File: Biggest Changes in Scores Arising from the Addition of New Credit Characteristics
Characteristic Base score Largest positive effect Largest negative effect
Character-
istic
Difference Character-
istic
Difference
Race or ethnicity--SSA data
Non-Hispanic white 69.0 S015 .11 MT35 -.26
Black 55.8 AT26 .14 RT33 -.39
Hispanic 59.8 MT20 .19 DS02 -.29
Asian 66.1 AT29 .35 BI20 -.25
American Indian 70.3 RT03 .27 AT07 -.35
Unknown race 66.7 AT01 .38 S010 -.23
Race or ethnicity--location-based distribution
Non-Hispanic white 68.4 DS09 .10 MT35 -.25
Black 62.8 MT34 .10 MT35 -.23
Hispanic 63.8 AT34 .10 AT07 -.25
Asian 68.0 S015 .11 AT07 -.25
American Indian 64.9 OF01 .15 MT35 -.25
National origin
Foreign-born 63.8 AT29 .30 AT07 -.30
Recent immigrant 53.5 RE28 .83 G006 -.36
Sex
Male 67.4 DS03 .42 MT35 -.24
Female 68.0 DS09 .10 DS03 -.54
Unknown 65.8 AT01 .65 MT01 -.35
Marital status
Married male 70.3 RT03 .38 MT35 -.29
Single male 63.9 DS03 .52 AT07 -.20
Married female 70.8 AT08 .12 DS03 -.64
Single female 64.6 S046 .18 DS03 -.45
Unknown 62.4 AT01 .28 MT01 -.19
Age--SSA data (years)
Younger than 30 50.0 BR28 .58 G006 -.32
30 to 39 63.1 RE20 .42 RE33 -.22
40 to 49 68.0 MT20 .26 G051 -.28
50 to 61 71.0 MT21 .23 BR20 -.41
62 or older 74.7 AT33 .38 AT07 -.52
Unknown 65.8 AT01 .65 MT01 -.35
Census tract characteristics
Income ratio
Low 57.3 BR28 .32 MT01 -.20
Moderate 63.0 PF02 .11 MT35 -.24
Middle 67.2 MT34 .10 MT35 -.29
High 70.8 DS09 .11 AT07 -.22
Unknown 58.8 DS03 .49 BC21 -.54
Minority population (percent)
Less than 10 69.3 S015 .11 MT35 -.29
10-49 67.3 DS09 .09 AT07 -.20
50-79 63.3 AT34 .09 AT07 -.21
80 or more 59.2 AT34 .14 BR20 -.35
Urban 67.7 DS09 .10 MT35 -.21
Rural 66.9 BI20 .27 MT35 -.33
All 67.6 MT34 .10 MT35 -.23

Note: Refer to note to table 32.A.


 

Table 32.C. Major Derogatory: Biggest Changes in Scores Arising from the Addition of New Credit Characteristics
Characteristic Base score Largest positive effect Largest negative effect
Character-
istic
Difference Character-
istic
Difference
Race or ethnicity--SSA data
Non-Hispanic white 23.5 PB35 .17 RE28 -.06
Black 15.9 AT09 .03 FI01 -.10
Hispanic 19.9 IN34 .09 S009 -.10
Asian 25.4 MT32 .29 S114 -.19
American Indian 26.0 G096 .22 FI01 -.21
Unknown race 22.0 PB35 .13 G086 -.06
Race or ethnicity--location-based distribution
Non-Hispanic white 22.6 PB35 .16 G086 -.06
Black 18.1 BC29 .05 FI01 -.06
Hispanic 20.2 G006 .09 DS13 -.05
Asian 22.9 MT32 .28 G098 -.07
American Indian 19.7 G096 .09 FI01 -.18
National origin
Foreign-born 23.5 MT32 .16 G098 -.12
Recent immigrant 20.7 IN34 .31 AT20 -.18
Sex
Male 22.0 RT03 .18 FI01 -.11
Female 21.2 BC29 .10 RT12 -.12
Unknown 21.8 PB35 .11 G104 -.07
Marital status
Married male 24.9 PB35 .27 FI01 -.20
Single male 20.7 RT03 .14 G098 -.05
Married female 24.1 PB35 .18 DS14 -.15
Single female 19.9 S014 .11 RT12 -.10
Unknown 19.0 G006 .07 MT02 -.05
Age--SSA data (years)
Younger than 30 16.0 PF02 .12 AT20 -.16
30 to 39 19.1 RE12 .12 G104 -.09
40 to 49 22.0 MT21 .18 G043 -.08
50 to 61 25.3 BC98 .22 RE13 -.13
62 or older 29.5 G096 .38 AT28 -.21
Unknown 21.8 PB35 .10 G104 -.07
Census tract characteristics
Income ratio
Low 16.7 S019 .11 AT28 -.10
Moderate 19.0 G006 .06 AT28 -.08
Middle 21.8 PB35 .12 FI01 -.05
High 25.6 MT32 .38 G098 -.14
Unknown 21.1 G096 .37 MT21 -.42
Minority population (percent)
Less than 10 23.7 PB35 .19 G098 -.06
10-49 21.9 PB35 .13 RE28 -.06
50-79 19.0 G006 .08 DS13 -.04
80 or more 17.8 IN34 .09 RE12 -.08
Urban 21.8 PB35 .13 G098 -.05
Rural 20.9 G096 .15 FI01 -.14
All 21.6 PB35 .13 G086 -.05

Note: Refer to note to table 32.A.

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Table 33. Change in Mean Scores for Blacks, by Scorecard, from the Marginal Inclusion of Finance Company Tradeline Variables
Finance company variable (credit characteristic)    Thin      Clean   Major deroga-
tory
FI01  Total number of finance installment accounts 0.01 0.09 -0.10
FI03  Total number of open finance installment accounts in good standing 0.00 -0.05 -0.04
FI05  Total number of finance installment accounts opened in the past 3 months 0.00 0.00 -0.01
FI06  Total number of finance installment accounts opened in the past 6 months 0.02 -0.07 -0.02
FI07  Total number of finance installment accounts opened in the past 12 months -0.01 -0.07 -0.01
FI08  Total number of finance installment accounts opened in the past 18 months -0.01 -0.04 -0.02
FI09  Total number of finance installment accounts opened in the past 24 months -0.02 -0.06 -0.02
PF02  Total number of open and active personal loan accounts reported in the past 3 months 0.00 0.03 -0.05
PF03  Total number of open personal loan accounts in good standing -0.01 -0.02 -0.04
PF05  Total number of personal loan accounts opened in the past 3 months 0.00 -0.02 0.00
PF06  Total number of personal loan accounts opened in the past 6 months 0.01 0.07 -0.01
PF07  Total number of personal loan accounts opened in the past 12 months -0.01 0.02 -0.01
PF08  Total number of personal loan accounts opened in the past 18 months 0.00 0.01 -0.01
PF09  Total number of personal loan accounts opened in the past 24 months 0.00 0.04 -0.02
PF33  Total remaining balance from all open personal loan accounts reported in the past 12 months -0.02 0.03 -0.01
PF34  Percentage of total remaining balance to total maximum credit for all open personal loan accounts reported in the past 12 months -0.01 0.09 -0.04
S008  Total number of finance accounts confirmed in the past 12 months 0.00 -0.07 -0.06
S014  Total number of open finance installment accounts -0.02 0.08 -0.02
S018  Total number of finance accounts opened in the past 12 months -0.01 0.07 -0.01
S019  Total number of open personal finance installment accounts reported in the past 12 months -0.01 -0.04
S020  Total number of open personal finance revolving accounts reported in the past 12 months 0.00 0.06 0.01
S027  Total number of months since the newest finance account was opened -0.01 -0.04 -0.02
S078  Percentage of total remaining balance to total maximum credit for all open personal finance revolving accounts reported in the past 12 months -0.01 -0.03 -0.01
S115  Total number of credit inquiries made by a finance company -0.01 -0.03 0.00

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.


. . . Not applicable.  Return to table


Return to text


 

Table 34. FRB Base Score: Measures of Fit, by Selected Characteristics of the Sample Population and Performance Measure
Characteristic Any account New account Existing account Random account Modified new account
KS statistic Score mean KS statistic Score mean KS statistic Score mean KS statistic Score mean KS statistic Score mean
Raw Adjusted Goods Bads Raw Adjusted Goods Bads Raw Adjusted Goods Bads Raw Adjusted Goods Bads Raw Adjusted Goods Bads
Race or ethnicity--SSA data
Non-Hispanic white 72.8 73.5 66.0 21.1 61.9 62.0 58.9 21.2 74.1 74.6 65.8 20.1 71.7 71.4 60.5 16.2 54.6 52.7 57.7 26.5
Black 69.4 68.0 49.4 14.4 48.2 56.4 37.2 14.8 69.2 69.3 48.9 14.0 56.1 66.0 37.6 11.9 38.9 49.5 36.7 18.9
Hispanic 66.2 68.2 54.7 18.8 52.3 55.9 46.9 19.7 67.9 70.4 54.5 17.8 61.8 67.3 47.0 14.9 39.6 45.9 45.4 25.3
Asian 66.9 73.4 63.1 25.0 57.4 62.6 58.5 26.0 71.1 75.9 63.0 22.6 68.8 72.0 59.4 19.0 56.3 56.1 57.4 31.3
American Indian 70.9 72.7 67.4 23.1 65.0 65.6 59.6 20.1 71.3 73.5 67.4 23.0 70.8 72.9 62.5 18.0 57.5 55.6 57.6 26.4
Unknown race 70.2 73.0 63.8 22.4 57.8 58.8 56.0 21.6 70.6 73.4 63.6 21.8 67.2 68.5 59.0 18.8 50.1 51.8 54.8 26.7
Race or ethnicity-- location-based distribution
Non-Hispanic white 73.1 73.5 65.3 20.5 61.2 61.4 57.8 20.5 74.3 74.5 65.1 19.6 71.2 70.8 59.5 16.0 53.5 52.3 56.5 25.6
Black 73.1 71.3 58.4 16.6 56.1 58.2 47.5 16.9 73.1 72.5 58.1 16.2 64.8 68.1 49.0 13.6 45.3 50.3 46.1 21.8
Hispanic 69.5 70.3 59.2 19.0 56.7 58.5 50.4 18.8 70.1 71.5 59.0 18.2 65.2 67.7 52.0 15.2 46.0 51.5 48.9 24.2
Asian 70.4 72.4 64.5 21.2 60.2 61.6 58.2 21.6 72.3 73.9 64.3 20.1 69.9 70.3 59.3 16.7 53.3 54.1 57.2 27.4
American Indian 73.1 72.8 60.8 17.7 61.8 63.4 51.5 17.8 74.0 73.6 60.6 16.9 67.3 69.2 53.4 14.5 49.6 54.3 48.9 22.6
National origin
Foreign-born 66.1 71.2 59.9 22.6 54.4 59.8 53.8 23.4 69.8 73.9 59.8 20.5 67.6 70.4 54.6 16.6 44.1 48.7 52.5 30.7
Recent immigrant 61.3 71.0 52.1 23.7 43.0 59.8 48.5 27.7 67.3 74.3 52.0 20.9 66.5 70.5 48.8 17.2 35.7 47.5 47.5 35.6
Sex
Male 72.4 72.7 63.6 19.6 59.6 60.6 55.8 20.4 73.4 73.8 63.3 18.8 70.1 70.7 57.3 15.3 51.0 51.9 54.3 25.5
Female 74.3 73.4 64.9 19.1 63.7 62.7 56.9 18.5 75.3 74.4 64.8 18.4 71.1 70.5 58.1 14.8 54.6 53.8 55.6 23.5
Unknown 68.8 73.4 63.5 23.7 53.3 56.2 54.6 23.9 69.1 73.6 63.4 23.3 66.5 68.4 59.7 20.8 46.8 49.1 53.4 30.5
Marital status
Married male 72.9 74.1 67.3 22.2 62.3 62.4 59.9 21.9 75.1 75.5 67.1 20.4 73.0 72.5 61.7 16.3 56.4 55.4 58.4 25.8
Single male 70.9 71.3 59.5 18.8 57.1 59.3 51.3 19.7 71.3 72.4 59.3 18.3 67.1 69.2 52.9 15.1 45.8 49.5 49.9 25.7
Married female 74.1 74.6 68.5 21.8 65.3 64.5 61.3 20.7 76.7 76.2 68.4 20.0 73.8 72.5 62.7 16.0 60.5 56.1 60.0 25.1
Single female 72.7 71.8 61.0 18.2 61.0 61.4 51.8 17.3 73.2 72.6 60.7 17.6 67.8 68.8 53.4 14.2 51.1 52.6 50.8 23.0
Unknown 71.9 72.2 58.8 18.2 55.3 57.7 49.4 19.4 71.5 72.4 58.7 18.3 65.7 67.9 52.5 15.7 44.8 49.8 48.3 24.7
Age--SSA data (years)
Younger than 30 69.4 73.7 47.5 16.8 52.3 61.0 43.3 19.7 69.0 75.2 47.5 16.8 62.2 68.7 42.2 14.7 43.8 55.3 43.4 25.3
30 to 39 74.2 72.9 58.5 16.7 63.3 63.6 52.4 17.4 75.2 74.3 58.4 16.1 69.1 72.2 50.8 13.2 55.5 54.9 51.6 22.1
40 to 49 74.0 73.5 64.2 18.7 64.3 64.0 57.5 18.7 75.3 74.9 63.9 17.6 71.0 72.2 56.6 14.1 55.5 54.5 56.0 23.1
50 to 61 72.2 73.0 67.7 22.0 65.6 65.3 61.0 19.6 74.8 74.5 67.5 20.2 72.0 71.7 61.3 15.9 57.9 55.9 59.5 24.5
62 or older 68.1 71.7 72.9 30.4 62.6 60.5 67.3 26.9 70.2 72.1 72.7 28.7 70.0 68.7 69.6 24.0 56.0 48.9 65.2 33.6
Unknown 68.8 73.4 63.5 23.7 53.3 56.1 54.6 23.9 69.1 73.6 63.4 23.3 66.5 68.4 59.7 20.8 46.8 49.0 53.4 30.5
Census tract characteristics
Income ratio
Low 71.5 68.7 53.1 15.6 56.0 55.6 42.7 16.7 70.6 69.4 52.9 15.7 62.5 66.3 44.4 13.4 45.7 48.4 42.2 21.4
Moderate 71.4 70.9 58.5 17.7 57.0 58.3 48.3 17.7 71.8 72.2 58.2 17.2 65.4 68.1 50.6 14.4 46.3 52.8 46.9 22.1
Middle 72.8 73.0 63.8 19.9 59.5 60.0 55.6 20.2 73.6 73.8 63.6 19.1 69.8 70.0 57.5 15.7 50.2 50.7 54.1 25.6
High 71.9 74.7 68.2 23.1 64.5 64.9 62.1 22.5 74.4 76.2 68.0 21.5 72.9 72.2 63.3 17.3 57.2 55.8 61.1 28.0
Unknown 64.6 73.0 55.3 23.3 74.8 80.3 52.3 24.9 64.8 74.0 55.1 23.3 58.3 67.5 50.5 21.3 74.9 80.0 54.4 29.4
Minority population (percent)
Less than 10 73.3 74.2 66.6 21.6 62.2 61.8 59.6 21.8 74.3 74.9 66.4 20.7 72.3 71.4 61.4 16.8 55.1 52.7 58.4 27.0
10-49 72.4 72.8 63.9 19.7 60.4 60.7 56.0 20.0 73.7 74.0 63.7 18.9 69.8 70.1 57.5 15.5 51.4 51.8 54.6 24.8
50-79 71.4 70.8 58.6 17.6 57.5 58.7 49.0 17.7 72.0 72.1 58.3 16.9 65.3 68.2 50.5 14.2 46.4 52.3 47.7 23.1
80 or more 69.6 67.9 54.1 16.9 54.4 56.8 43.5 16.9 69.4 69.4 53.8 16.6 61.2 66.3 45.4 14.0 43.3 48.0 42.5 22.3
Urban 73.1 73.1 64.4 19.7 61.2 61.2 56.7 19.7 74.0 74.1 64.2 18.9 70.3 70.3 58.1 15.5 52.8 52.7 55.4 25.0
Rural 73.6 73.2 63.3 19.4 60.5 60.4 53.9 19.3 74.4 74.1 63.2 18.7 69.6 69.9 56.8 15.5 51.7 50.9 51.9 23.3
All 73.0 73.0 64.2 19.6 61.0 61.0 56.3 19.7 74.0 74.0 64.0 18.9 70.2 70.2 57.9 15.5 52.4 52.4 54.9 24.8

Note: Refer to notes to table 9.


KS Kolmogorov-Smirnov.

Return to text


 

Table 35. Scores from the FRB Base Model and Race-Neutral Models: Measures of Fit, by Selected Characteristics of the Sample Population and Performance Measure
Characteristic Any account New account Existing account Random account Modified new account
KS statistic Score mean KS statistic Score mean KS statistic Score mean KS statistic Score mean KS statistic Score mean
Raw Adjusted Goods Bads Raw Adjusted Goods Bads Raw Adjusted Goods Bads Raw Adjusted Goods Bads Raw Adjusted Goods Bads
Race or ethnicity--SSA data
Non-Hispanic white 72.8 73.5 66.0 21.1 61.9 62.0 58.9 21.2 74.1 74.6 65.8 20.1 71.7 71.4 60.5 16.2 54.6 52.7 57.7 26.5
Black 69.4 68.0 49.4 14.4 48.2 56.4 37.2 14.8 69.2 69.3 48.9 14.0 56.1 66.0 37.6 11.9 38.9 49.5 36.7 18.9
Hispanic 66.2 68.2 54.7 18.8 52.3 55.9 46.9 19.7 67.9 70.4 54.5 17.8 61.8 67.3 47.0 14.9 39.6 45.9 45.4 25.3
Asian 66.9 73.4 63.1 25.0 57.4 62.6 58.5 26.0 71.1 75.9 63.0 22.6 68.8 72.0 59.4 19.0 56.3 56.1 57.4 31.3
American Indian 70.9 72.7 67.4 23.1 65.0 65.6 59.6 20.1 71.3 73.5 67.4 23.0 70.8 72.9 62.5 18.0 57.5 55.6 57.6 26.4
Unknown race 70.2 73.0 63.8 22.4 57.8 58.8 56.0 21.6 70.6 73.4 63.6 21.8 67.2 68.5 59.0 18.8 50.1 51.8 54.8 26.7
Race or ethnicity-- location-based distribution
Non-Hispanic white 73.1 73.5 65.3 20.5 61.2 61.4 57.8 20.5 74.3 74.5 65.1 19.6 71.2 70.8 59.5 16.0 53.5 52.3 56.5 25.6
Black 73.1 71.3 58.4 16.6 56.1 58.2 47.5 16.9 73.1 72.5 58.1 16.2 64.8 68.1 49.0 13.6 45.3 50.3 46.1 21.8
Hispanic 69.5 70.3 59.2 19.0 56.7 58.5 50.4 18.8 70.1 71.5 59.0 18.2 65.2 67.7 52.0 15.2 46.0 51.5 48.9 24.2
Asian 70.4 72.4 64.5 21.2 60.2 61.6 58.2 21.6 72.3 73.9 64.3 20.1 69.9 70.3 59.3 16.7 53.3 54.1 57.2 27.4
American Indian 73.1 72.8 60.8 17.7 61.8 63.4 51.5 17.8 74.0 73.6 60.6 16.9 67.3 69.2 53.4 14.5 49.6 54.3 48.9 22.6
National origin
Foreign-born 66.1 71.2 59.9 22.6 54.4 59.8 53.8 23.4 69.8 73.9 59.8 20.5 67.6 70.4 54.6 16.6 44.1 48.7 52.5 30.7
Recent immigrant 61.3 71.0 52.1 23.7 43.0 59.8 48.5 27.7 67.3 74.3 52.0 20.9 66.5 70.5 48.8 17.2 35.7 47.5 47.5 35.6
All 73.0 73.0 64.2 19.6 61.0 61.0 56.3 19.7 74.0 74.0 64.0 18.9 70.2 70.2 57.9 15.5 52.4 52.4 54.9 24.8
Race or ethnicity--SSA data
Non-Hispanic white 72.7 73.4 66.2 21.0 61.7 62.0 59.0 21.2 74.0 74.5 66.0 20.1 71.7 71.2 60.6 16.2 54.5 52.6 57.7 26.6
Black 69.3 67.7 49.5 14.5 48.1 56.1 37.3 15.0 69.2 68.9 49.0 14.2 55.8 65.9 37.7 12.1 38.9 47.7 36.8 19.1
Hispanic 66.1 68.0 54.9 18.9 51.9 55.4 47.1 19.9 67.8 70.2 54.7 17.9 61.4 67.0 47.1 15.1 38.6 45.2 45.6 25.6
Asian 66.4 72.9 63.3 25.0 56.4 62.0 58.6 26.2 70.6 75.6 63.2 22.6 69.0 71.1 59.5 19.1 57.3 55.9 57.5 31.6
American Indian 70.7 72.6 67.5 23.1 65.8 66.6 59.6 20.0 71.0 73.5 67.5 22.9 71.2 72.3 62.6 18.0 58.2 56.8 57.6 26.3
Unknown race 69.9 72.7 63.5 22.5 57.7 59.1 56.2 21.8 70.2 72.9 63.3 21.9 66.9 68.3 58.8 19.0 50.1 51.5 54.9 27.0
Race or ethnicity-- location-based distribution
Non-Hispanic white 73.0 73.4 65.4 20.5 61.1 61.2 57.9 20.6 74.1 74.4 65.2 19.6 71.1 70.7 59.6 16.1 53.2 51.9 56.6 25.7
Black 72.9 71.2 58.5 16.7 55.9 57.9 47.6 17.1 72.9 72.3 58.2 16.3 64.6 68.1 49.1 13.7 45.0 50.6 46.2 22.0
Hispanic 69.3 70.2 59.3 19.1 56.2 58.0 50.6 18.9 69.9 71.3 59.1 18.3 64.9 67.5 52.1 15.3 44.7 50.9 49.1 24.5
Asian 70.1 72.2 64.6 21.3 59.6 61.5 58.3 21.8 71.9 73.6 64.4 20.2 69.9 70.1 59.4 16.8 52.4 53.2 57.3 27.7
American Indian 73.0 72.5 61.0 17.8 61.8 64.0 51.7 17.9 74.0 73.6 60.7 17.0 67.2 69.3 53.6 14.7 50.4 54.6 49.0 22.7
National origin
Foreign-born 65.9 70.8 60.1 22.7 54.2 59.3 53.9 23.5 69.7 73.4 59.9 20.6 67.4 69.8 54.7 16.7 44.8 48.5 52.6 31.0
Recent immigrant 61.2 70.5 52.5 24.0 43.8 60.2 48.9 28.0 67.0 72.9 52.4 21.2 66.4 70.1 49.2 17.6 36.3 49.8 47.9 36.0
All 72.9 72.9 64.3 19.7 60.8 60.8 56.4 19.8 73.9 73.9 64.1 18.9 70.1 70.1 57.9 15.6 52.0 52.0 55.0 24.9
Race or ethnicity--SSA data
Non-Hispanic white 72.8 73.4 66.3 21.1 61.9 62.1 59.2 21.2 74.0 74.4 66.1 20.1 71.7 71.3 60.7 16.2 54.7 52.7 58.0 26.6
Black 69.4 67.8 49.6 14.4 48.3 56.0 37.4 14.8 69.2 69.2 49.1 14.0 56.1 66.1 37.8 11.9 38.8 50.0 36.9 18.9
Hispanic 66.3 68.2 55.0 18.8 52.3 55.4 47.2 19.7 68.0 70.4 54.8 17.8 61.7 67.3 47.2 14.9 39.7 44.7 45.7 25.4
Asian 66.4 73.3 63.4 25.0 56.3 62.8 58.9 26.1 70.5 75.7 63.3 22.6 68.8 71.5 59.6 19.0 55.9 56.3 57.8 31.6
American Indian 70.9 72.8 67.7 23.1 65.4 67.0 59.9 20.1 71.2 73.3 67.6 23.0 70.8 72.4 62.7 18.0 58.0 57.5 57.9 26.3
Unknown race 70.1 73.2 63.2 22.4 57.7 59.9 56.2 21.7 70.5 73.4 63.0 21.9 67.2 68.9 58.5 18.9 50.5 52.8 55.0 26.7
Race or ethnicity-- location-based distribution
Non-Hispanic white 73.1 73.5 65.5 20.5 61.2 61.3 58.1 20.5 74.1 74.4 65.3 19.6 71.2 70.7 59.6 16.0 53.7 52.2 56.8 25.6
Black 73.0 71.3 58.5 16.6 56.1 57.9 47.7 16.9 73.0 72.4 58.2 16.2 64.5 68.2 49.1 13.6 45.2 50.3 46.3 21.8
Hispanic 69.5 70.3 59.3 19.0 56.6 58.4 50.7 18.8 70.1 71.4 59.1 18.2 65.0 67.8 52.2 15.2 45.4 51.1 49.2 24.3
Asian 70.4 72.3 64.7 21.3 60.1 61.6 58.5 21.7 72.1 73.7 64.5 20.1 69.9 70.1 59.4 16.7 53.1 53.7 57.5 27.6
American Indian 73.0 72.6 61.0 17.7 61.7 62.9 51.8 17.8 74.0 73.3 60.8 16.9 67.2 69.1 53.6 14.5 49.7 53.5 49.1 22.6
National origin
Foreign-born 66.1 71.1 60.2 22.6 54.1 59.7 54.1 23.4 69.8 73.8 60.0 20.5 67.6 70.3 54.8 16.6 44.3 48.6 52.8 30.9
Recent immigrant 61.2 70.7 52.5 23.9 43.2 58.9 49.0 27.9 66.9 74.6 52.4 21.0 66.5 71.2 49.2 17.3 35.9 46.4 48.0 36.0
All 73.0 73.0 64.3 19.6 60.9 60.9 56.5 19.7 73.9 73.9 64.2 18.9 70.1 70.1 58.0 15.5 52.2 52.2 55.2 24.8

Note: Refer to notes to table 34.


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Table 36. Scores from the FRB Base Model and Race-Neutral Models: Credit-Score Statistics, and Distribution of Sample Population by Score Decile, by Selected Characteristics of Sample Population
Characteristic MEMO
Sample
(number)
Score statistics Sample population, grouped by characteristic and distributed by score decile (percent)
Mean Median Standard
deviation
1st 2nd 3rd 4th 5th 6th 7th 8th 9th 10th Total
Race or ethnicity--SSA data
Non-Hispanic white 148,568 54.0 56.0 28.3 7.6 8.4 9.0 9.5 9.6 10.1 10.3 12.3 12.2 11.1 100
Black 21,368 25.8 18.6 22.9 30.3 22.6 15.2 9.9 6.9 4.9 3.4 2.7 2.2 2.0 100
Hispanic 16,950 38.3 34.0 26.3 15.5 14.7 14.7 13.2 10.9 9.4 6.9 5.4 4.6 4.7 100
Asian 8,820 54.8 55.2 25.9 5.1 6.1 8.1 10.5 12.4 15.2 13.0 10.0 8.3 11.3 100
American Indian 409 57.3 63.0 27.8 5.5 6.3 10.7 8.8 8.2 8.1 10.2 15.2 15.4 11.6 100
Unknown race 36,352 52.2 52.4 27.2 7.2 8.1 9.0 10.5 12.6 13.7 11.4 8.1 8.2 11.3 100
Race or ethnicity-- location-based distribution
Non-Hispanic white 174,087 52.6 54.0 28.4 8.4 8.8 9.3 9.6 9.9 10.6 10.3 11.3 11.0 10.7 100
Black 23,946 37.5 31.2 28.0 19.4 16.4 13.1 10.4 9.1 8.1 6.5 6.0 5.8 5.1 100
Hispanic 23,632 43.1 39.8 28.0 13.7 12.6 12.2 11.9 10.9 10.0 8.1 6.9 6.8 6.9 100
Asian 9,016 52.5 53.0 28.5 8.3 8.3 9.2 10.4 10.8 11.8 10.1 9.3 9.3 12.7 100
American Indian 1,373 44.0 40.6 28.7 13.5 13.3 12.2 10.7 9.8 8.6 8.3 8.5 8.0 7.1 100
National origin
Foreign-born 25,597 48.7 48.0 26.6 8.2 8.9 10.6 12.5 12.8 13.1 10.2 8.3 7.1 8.4 100
Recent immigrant 4,261 44.3 46.2 20.9 8.0 7.0 9.1 14.8 18.7 21.5 12.4 4.4 2.0 2.1 100
All 232,467 50.0 50.0 28.8 10.1 10.0 10.0 10.0 10.0 10.3 9.7 10.2 10.0 9.8 100
Race or ethnicity--SSA data
Non-Hispanic white 148,568 54.1 56.6 28.4 7.7 8.3 9.0 9.4 9.7 9.4 10.8 12.5 11.9 11.3 100
Black 21,368 25.9 18.8 23.0 30.1 22.6 15.3 10.0 7.0 4.6 3.5 2.9 2.0 2.0 100
Hispanic 16,950 38.5 34.0 26.4 15.5 14.6 14.7 13.0 11.2 8.9 7.3 5.4 4.5 4.9 100
Asian 8,820 54.9 56.2 25.9 5.2 6.2 7.8 10.4 12.6 14.5 13.8 9.6 8.4 11.4 100
American Indian 409 57.4 63.2 27.9 5.5 6.5 10.6 8.7 8.3 7.4 10.7 15.1 15.6 11.6 100
Unknown race 36,352 51.9 53.0 27.1 7.2 8.1 9.1 11.0 11.9 14.9 10.9 7.5 10.1 9.5 100
Race or ethnicity--location-based distribution
Non-Hispanic white 174,087 52.7 54.4 28.5 8.5 8.8 9.3 9.7 9.9 10.2 10.7 11.3 11.1 10.7 100
Black 23,946 37.5 31.2 28.0 19.3 16.4 13.1 10.5 9.2 8.0 6.5 6.1 6.0 5.0 100
Hispanic 23,632 43.1 40.0 28.0 13.7 12.6 12.2 11.7 11.0 9.9 8.3 6.9 7.0 6.7 100
Asian 9,016 52.6 53.6 28.4 8.3 8.2 9.3 10.3 10.8 11.5 10.6 9.2 9.7 12.2 100
American Indian 1,373 44.1 40.6 28.7 13.4 13.4 12.2 10.7 9.9 8.5 8.3 8.4 8.1 7.1 100
National origin
Foreign-born 25,597 48.8 48.0 26.7 8.3 8.8 10.6 12.4 13.0 12.4 11.0 8.1 6.9 8.6 100
Recent immigrant 4,261 44.6 46.6 21.0 7.7 7.1 9.2 14.3 19.0 20.2 14.2 3.9 2.1 2.3 100
All 232,467 50.1 50.0 28.8 10.1 10.0 10.0 10.0 10.0 10.0 10.0 10.2 10.1 9.7 100
Race or ethnicity--SSA data
Non-Hispanic white 148,568 54.2 56.8 28.4 7.7 8.3 9.0 9.4 9.7 9.4 10.9 12.3 12.0 11.3 100
Black 21,368 25.9 18.6 23.1 30.3 22.6 15.3 9.8 7.0 4.6 3.5 2.8 2.2 2.0 100
Hispanic 16,950 38.5 34.0 26.4 15.6 14.6 14.7 13.0 11.0 8.9 7.4 5.4 4.6 4.8 100
Asian 8,820 54.9 56.4 25.9 5.1 6.2 8.0 10.3 12.3 14.6 13.9 10.2 8.2 11.2 100
American Indian 409 57.4 63.4 27.9 5.5 6.3 10.8 8.5 8.5 7.5 10.6 15.5 15.1 11.6 100
Unknown race 36,352 51.5 52.2 26.8 7.1 8.2 9.0 11.2 12.1 15.0 10.6 8.0 9.5 9.3 100
Race or ethnicity--location-based distribution
Non-Hispanic white 174,087 52.7 54.0 28.5 8.5 8.8 9.3 9.7 9.9 10.3 10.7 11.3 11.1 10.6 100
Black 23,946 37.5 31.2 27.9 19.4 16.4 13.2 10.4 9.2 8.0 6.6 6.0 5.9 5.0 100
Hispanic 23,632 43.1 39.8 28.0 13.7 12.6 12.2 11.8 10.9 9.8 8.4 6.9 7.0 6.7 100
Asian 9,016 52.6 53.2 28.5 8.3 8.2 9.2 10.4 10.8 11.5 10.6 9.2 9.6 12.3 100
American Indian 1,373 44.0 40.6 28.7 13.5 13.3 12.3 10.6 9.9 8.4 8.5 8.6 7.9 7.1 100
National origin
Foreign-born 25,597 48.8 48.0 26.7 8.2 8.8 10.7 12.4 12.8 12.4 11.2 8.3 7.0 8.4 100
Recent immigrant 4,261 44.6 46.2 20.9 7.7 7.2 9.0 14.4 18.6 20.4 14.4 4.3 2.0 1.8 100
All 232,467 50.0 50.0 28.8 10.2 10.0 10.0 10.0 10.0 10.0 10.0 10.2 10.1 9.7 100

Note: Scores are normalized to a scale of 0-100 according to the nonlinear conversion shown in table 13. Refer also to notes to table 9.

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Table 37. FRB Race-Neutral Models: Changes in FRB Base-Model Scores and in the FRB Base-Model Probability of Bad Performance, by Quintiles of the FRB Base Score
Characteristic Lowest Second lowest Top three
Change in score Percent of sample with a change in score, by type of change Change in probability of bad performance Change in score Percent of sample with a change in score, by type of change Change in probability of bad performance Change in score Percent of sample with a change in score, by type of change Change in probability of bad performance
Mean Median Mean ab-solute value In-crease Change of less than 5 points Mean Percent of sample with an increase Mean Median Mean ab-solute value In-crease Change of less than 5 points Mean Percent of sample with an increase Mean Median Mean ab-solute value In-crease Change of less than 5 points Mean Percent of sample with an increase
Race or ethnicity--SSA data
Non-Hispanic white .0 .0 .6 55.9 100.0 -.6 36.8 .1 .0 .6 57.6 100.0 1.2 77.2 .2 .0 1.3 55.0 97.2 -.2 29.1
Black .1 .2 .6 63.4 100.0 -.4 39.6 .1 .2 .6 62.1 99.9 1.3 78.1 .1 .2 1.4 57.0 97.4 .1 45.5
Hispanic .1 .0 .6 61.8 100.0 -.4 39.4 .1 .2 .7 59.6 99.9 1.3 78.1 .2 .2 1.4 58.4 97.1 .1 43.2
Asian .0 .0 .6 53.2 100.0 -.6 35.8 .1 .0 .7 56.2 99.9 1.1 75.5 .2 .0 1.4 54.9 95.9 -.1 36.7
American Indian -.1 -.2 .6 46.2 100.0 -.6 34.8 -.1 .0 .7 51.7 100.0 .9 71.0 .1 .0 1.4 53.2 97.2 -.3 24.7
Unknown race .0 .0 .7 55.2 99.9 -.5 37.2 -.1 .0 .8 50.9 99.8 .9 68.0 -.4 .0 2.2 51.8 88.5 -.4 32.1
Race or ethnicity-- location-based distribution
Non-Hispanic white .0 .0 .6 56.8 100.0 -.5 37.2 .0 .0 .7 57.0 99.9 1.1 76.0 .1 .0 1.5 54.6 95.8 -.2 30.0
Black .1 .0 .6 61.6 100.0 -.4 39.4 .1 .0 .7 58.2 99.9 1.1 75.5 .0 .0 1.5 55.3 95.3 -.1 36.6
Hispanic .1 .0 .6 60.1 100.0 -.5 38.2 .1 .0 .7 57.8 99.9 1.2 75.6 .1 .0 1.6 55.6 95.2 -.1 37.3
Asian .0 .0 .6 58.3 100.0 -.5 37.4 .1 .0 .7 56.7 99.9 1.1 75.7 .0 .0 1.6 53.4 94.7 -.2 32.4
American Indian .1 .0 .6 59.6 100.0 -.4 38.6 .1 .0 .7 59.3 99.9 1.3 77.7 .1 .0 1.5 56.4 96.0 -.1 34.0
National origin
Foreign-born .0 .0 .6 56.7 100.0 -.5 36.8 .1 .0 .7 57.0 99.9 1.2 76.1 .2 .0 1.4 56.2 96.3 .0 39.4
Recent immigrant .2 .2 .6 66.5 100.0 -.2 43.7 .2 .2 .8 61.3 99.8 1.5 80.3 .5 .4 1.7 62.7 94.9 .4 59.9
All .0 .0 .6 58.2 100.0 -.5 37.8 .1 .0 .7 57.2 99.9 1.1 75.9 .1 .0 1.5 54.7 95.7 -.2 31.2
Race or ethnicity--SSA data
Non-Hispanic white -.1 -.2 .3 47.8 100.0 .6 81.7 .0 .0 .3 62.4 100.0 .1 51.6 .3 .4 .9 75.1 98.4 -.2 27.3
Black .0 .0 .3 54.0 100.0 .8 88.2 .0 .0 .3 62.5 100.0 .1 52.7 .3 .4 .9 75.3 98.3 -.1 41.5
Hispanic .0 .0 .3 52.3 100.0 .8 86.5 .1 .0 .3 62.7 100.0 .1 52.1 .3 .4 1.0 76.3 98.1 -.1 41.0
Asian -.1 -.2 .3 47.2 100.0 .6 82.7 .1 .0 .4 59.8 99.9 .1 50.9 .2 .4 1.0 72.7 97.3 -.1 34.1
American Indian -.1 -.2 .3 44.2 100.0 .6 74.7 .0 .0 .3 62.0 100.0 .1 51.0 .2 .4 .9 72.3 98.2 -.2 22.2
Unknown race .1 .0 .4 56.0 100.0 1.0 85.0 -.1 .0 .5 54.3 99.9 -.1 46.1 -1.1 .0 2.1 54.6 84.0 -.8 24.5
Race or ethnicity-- location-based distribution
Non-Hispanic white .0 -.2 .3 49.2 100.0 .7 82.8 .0 .0 .3 61.2 100.0 .0 50.8 .1 .4 1.1 71.7 96.1 -.3 27.3
Black .0 .0 .3 54.2 100.0 .8 87.2 .0 .0 .3 60.9 100.0 .1 51.2 .0 .4 1.2 70.3 94.9 -.3 32.6
Hispanic .0 .0 .3 53.2 100.0 .8 86.5 .0 .0 .4 60.8 100.0 .1 50.6 .0 .4 1.2 70.9 95.1 -.3 33.1
Asian .0 .0 .3 51.8 100.0 .7 85.0 .0 .0 .4 60.6 100.0 .1 51.3 .0 .4 1.2 71.8 95.0 -.3 29.6
American Indian .0 .0 .3 51.1 100.0 .7 84.1 .0 .0 .3 63.0 100.0 .1 51.9 .1 .4 1.1 72.0 95.9 -.3 31.2
National origin
Foreign-born .0 -.2 .3 48.5 100.0 .7 83.4 .1 .0 .4 60.8 100.0 .1 50.5 0.2 .4 1.0 73.2 97.4 -.1 36.5
Recent immigrant .1 .0 .3 57.9 100.0 .9 88.4 .2 .2 .4 67.9 99.9 .3 60.3 .4 .6 1.3 78.5 95.6 .0 58.4
All .0 .0 .3 50.8 100.0 .7 84.2 .0 .0 .3 61.1 100.0 .0 50.9 .1 .4 1.1 71.5 95.9 -.3 28.3

Note: Refer to notes to table 9.


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Table 38. Scores in the FRB Base and Race-Neutral Models: Performance Residuals (Unexplained Percent Bad)
Characteristic Any
account
New
account
Existing
account
Random
account
Modified
new
account
Race or ethnicity--SSA data
Non-Hispanic white -.8 -.6 -.6 -.5 -.3
Black 4.7 3.2 4.0 2.6 2.7
Hispanic 1.4 .6 .8 -.1 .0
Asian -1.6 .1 -1.2 -.4 .0
American Indian -1.6 -.5 -.8 -.8 -.5
Unknown race .4 1.0 .6 1.3 .4
Race or ethnicity-- location-based distribution
Non-Hispanic white -.5 -.4 -.4 -.3 -.2
Black 2.9 2.4 2.5 1.9 1.6
Hispanic 1.0 .7 .7 .6 .3
Asian -.9 .1 -.6 .0 .2
American Indian .1 1.0 .0 .7 .1
National origin
Foreign-born -.5 -.4 -.6 -.7 -.4
Recent immigrant -1.3 -.3 -1.2 -.1 -.6
All .0 .0 .0 .0 .0
Race or ethnicity--SSA data
Non-Hispanic white -.8 -.6 -.6 -.6 -.4
Black 4.8 3.4 4.1 2.7 2.8
Hispanic 1.5 .6 .9 .0 .0
Asian -1.5 .2 -1.2 -.4 .0
American Indian -1.7 -.5 -.9 -.9 -.5
Unknown race .3 1.0 .5 1.2 .3
Race or ethnicity-- location-based distribution
Non-Hispanic white -.5 -.4 -.4 -.3 -.2
Black 3.0 2.4 2.5 2.0 1.6
Hispanic 1.0 .7 .8 .6 .3
Asian -.9 .1 -.6 .0 .2
American Indian .2 .9 .1 .8 .1
National origin
Foreign-born -.4 -.4 -.6 -.7 -.4
Recent immigrant -1.0 -.2 -1.0 .0 -.6
All .0 .0 .0 .0 .0
Race or ethnicity--SSA data
Non-Hispanic white -.8 -.6 -.6 -.6 -.3
Black 4.7 3.3 4.0 2.6 2.7
Hispanic 1.4 .6 .9 .0 .0
Asian -1.5 .2 -1.1 -.4 .0
American Indian -1.6 -.5 -.8 -.8 -.5
Unknown race .3 1.0 .5 1.3 .3
Race or ethnicity-- location-based distribution
Non-Hispanic white -.5 -.4 -.4 -.3 -.2
Black 3.0 2.4 2.5 2.0 1.6
Hispanic 1.0 .7 .7 .6 .3
Asian -.9 .1 -.6 .1 .2
American Indian .1 1.0 .0 .7 .2
National origin
Foreign-born -.4 -.4 -.6 -.7 -.4
Recent immigrant -1.1 -.2 -1.1 .0 -.6
All .0 .0 .0 .0 .0

Note: Refer to notes to table 9.

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Table 39. Credit Points Assigned to Attributes of Credit Characteristic S019, Number of Open Finance Trades: Comparison of the Clean Scorecards in the FRB Base and Race-Neutral Models and Distribution of the Sample Population by Attribute
S019,
number of
finance
trades
Model Population
distribution
(percent)
FRB base White-
only
Racial-
indicator-
variable
0 0 0 0 87.8
1 -23 -18 -21 10.4
2 -67 -56 -63 1.5
3 or more -107 -118 -104 .4

Note: Credit characteristic S019 is "Total number of open personal finance installment accounts reported in the past 12 months."


The data shown here for the FRB base model are also reported in table 12.B.


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Table 40. Effect on Scores and Predictiveness when Credit Characteristic S019, Number of Open Finance Trades, Is Dropped from the Clean-File Scorecard of the FRB Base Model, by Selected Characteristics of Race, Ethnicity, and National Origin of the Sample Population and Performance Measure
Characteristic Any-account performance New-account performance Existing-account performance Random-account performance Modified new-account performance
Increase in predictiveness No change in predictiveness (percent whose score changed less than 1 point) Decrease in predictiveness Increase in predictiveness No change in predictiveness (percent whose score changed less than 1 point) Decrease in predictiveness Increase in predictiveness No change in predictiveness (percent whose score changed less than 1 point) Decrease in predictiveness Increase in predictiveness No change in predictiveness (percent whose score changed less than 1 point) Decrease in predictiveness Increase in predictiveness No change in predictiveness (percent whose score changed less than 1 point) Decrease in predictiveness
Bad performers, percentage whose score decreased more than 1 point Good performers, percentage whose score increased more than 1 point Bad performers, percentage whose score increased more than 1 point Good performers, percentage whose score decreased more than 1 point Bad performers, percentage whose score decreased more than 1 point Good performers, percentage whose score increased more than 1 point Bad performers, percentage whose score increased more than 1 point Good performers, percentage whose score decreased more than 1 point Bad performers, percentage whose score decreased more than 1 point Good performers, percentage whose score increased more than 1 point Bad performers, percentage whose score increased more than 1 point Good performers, percentage whose score decreased more than 1 point Bad performers, percentage whose score decreased more than 1 point Good performers, percentage whose score increased more than 1 point Bad performers, percentage whose score increased more than 1 point Good performers, percentage whose score decreased more than 1 point Bad performers, percentage whose score decreased more than 1 point Good performers, percentage whose score increased more than 1 point Bad performers, percentage whose score increased more than 1 point Good performers, percentage whose score decreased more than 1 point
Race or ethnicity--SSA data
Non-Hispanic white 1.6 12.8 46.6 1.3 37.8 .3 14.3 40.6 .3 44.5 1.0 13.0 46.5 .9 38.5 .4 13.9 47.0 .4 38.4 .2 14.7 39.7 .2 45.2
Black 3.9 13.7 50.3 4.3 27.7 .6 18.8 46.6 1.2 33.0 2.8 14.7 49.8 3.2 29.5 1.0 17.1 50.7 1.2 30.0 .4 19.6 46.9 .9 32.2
Hispanic 2.8 12.9 49.7 3.1 31.5 .7 17.8 44.9 .8 35.9 2.0 13.6 49.2 2.2 32.9 .8 15.5 50.2 1.0 32.5 .4 18.7 46.2 .7 34.1
Asian 1.8 7.9 51.8 1.0 37.5 .5 9.2 46.4 .3 43.6 1.1 8.2 51.4 .8 38.6 .4 9.0 51.8 .4 38.5 .3 10.0 45.2 .2 44.3
American Indian 1.3 15.5 48.5 .9 33.9 .3 17.5 40.1 .2 41.8 .9 15.7 48.5 .7 34.3 .4 15.9 48.9 .2 34.5 .2 17.5 39.0 .1 43.2
Unknown race 1.9 13.6 53.3 1.4 29.9 .5 13.3 47.3 .4 38.6 1.4 13.9 53.1 1.0 30.6 .6 14.5 53.7 .5 30.7 .3 13.3 47.4 .3 38.7
Race or ethnicity-- location-based distribution
Non-Hispanic white 1.7 12.6 47.2 1.3 37.3 .4 14.0 41.3 .3 44.1 1.1 12.9 47.0 .9 38.1 .4 13.7 47.5 .4 37.9 .2 14.4 40.5 .2 44.6
Black 2.5 13.8 50.6 2.6 30.4 .5 16.5 44.9 .8 37.4 1.7 14.4 50.3 2.0 31.6 .6 15.8 51.0 .8 31.8 .3 17.4 44.4 .5 37.3
Hispanic 2.2 13.1 50.3 2.3 32.1 .6 16.7 44.6 .7 37.5 1.5 13.6 49.9 1.7 33.2 .6 15.0 50.7 .8 33.0 .3 17.4 45.1 .6 36.7
Asian 1.8 11.2 52.0 1.2 33.8 .4 12.6 46.6 .4 40.1 1.2 11.5 51.8 .9 34.6 .5 12.2 52.2 .4 34.7 .2 13.1 45.8 .3 40.6
American Indian 1.8 14.8 46.8 2.3 34.4 .4 18.2 41.6 .4 39.4 1.2 15.2 46.8 1.5 35.3 .5 16.4 47.4 .8 34.9 .3 18.4 41.6 .3 39.5
National origin
Foreign-born 2.2 9.7 51.3 1.6 35.1 .5 12.3 46.5 .4 40.2 1.4 10.1 51.0 1.1 36.4 .5 11.3 51.5 .5 36.3 .4 13.1 46.3 .3 39.9
Recent immigrant 2.0 8.6 59.2 1.5 28.6 .7 11.4 57.9 .3 29.8 1.2 9.1 58.8 1.2 29.8 .5 10.1 59.2 .5 29.7 .6 11.7 58.8 .1 28.8
All 1.8 12.7 47.8 1.5 36.2 .4 14.3 42.0 .4 42.9 1.2 13.0 47.7 1.1 37.1 .4 13.9 48.2 .5 37.0 .2 14.8 41.4 .3 43.2

Note: Credit characteristic S019 is "Total number of open personal finance installment accounts reported in the past 12 months."


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Table 41. Scores from the FRB Base Model and Age-Neutral Models: Measures of Fit, by Selected Characteristics of the Sample Population and Performance Measure
Characteristic Any account New account Existing account Random account Modified new account
KS statistic Score mean KS statistic Score mean KS statistic Score mean KS statistic Score mean KS statistic Score mean
Raw Adjusted Goods Bads Raw Adjusted Goods Bads Raw Adjusted Goods Bads Raw Adjusted Goods Bads Raw Adjusted Goods Bads
Age--SSA data (years)
Younger than 30 69.4 73.7 47.5 16.8 52.3 61.0 43.3 19.7 69.0 75.2 47.5 16.8 62.2 68.7 42.2 14.7 43.8 55.3 43.4 25.3
30 to 39 74.2 72.9 58.5 16.7 63.3 63.6 52.4 17.4 75.2 74.3 58.4 16.1 69.1 72.2 50.8 13.2 55.5 54.9 51.6 22.1
40 to 49 74.0 73.5 64.2 18.7 64.3 64.0 57.5 18.7 75.3 74.9 63.9 17.6 71.0 72.2 56.6 14.1 55.5 54.5 56.0 23.1
50 to 61 72.2 73.0 67.7 22.0 65.6 65.3 61.0 19.6 74.8 74.5 67.5 20.2 72.0 71.7 61.3 15.9 57.9 55.9 59.5 24.5
62 or older 68.1 71.7 72.9 30.4 62.6 60.5 67.3 26.9 70.2 72.1 72.7 28.7 70.0 68.7 69.6 24.0 56.0 48.9 65.2 33.6
Unknown 68.8 73.4 63.5 23.7 53.3 56.1 54.6 23.9 69.1 73.6 63.4 23.3 66.5 68.4 59.7 20.8 46.8 49.0 53.4 30.5
National origin
Foreign-born 66.1 71.2 59.9 22.6 54.4 59.8 53.8 23.4 69.8 73.9 59.8 20.5 67.6 70.4 54.6 16.6 44.1 48.7 52.5 30.7
Recent immigrant 61.3 71.0 52.1 23.7 43.0 59.8 48.5 27.7 67.3 74.3 52.0 20.9 66.5 70.5 48.8 17.2 35.7 47.5 47.5 35.6
All 73.0 73.0 64.2 19.6 61.0 61.0 56.3 19.7 74.0 74.0 64.0 18.9 70.2 70.2 57.9 15.5 52.4 52.4 54.9 24.8
Age--SSA data (years)
Younger than 30 69.1 73.8 46.2 16.9 52.0 57.3 42.2 19.8 68.8 75.2 46.1 16.8 61.6 68.4 41.1 14.7 43.9 48.1 42.3 25.6
30 to 39 74.1 73.3 57.1 16.7 63.1 63.8 51.0 17.4 75.1 74.9 56.9 16.0 68.8 72.3 49.7 13.2 55.3 55.3 50.3 22.1
40 to 49 74.1 73.4 63.4 18.7 64.2 63.6 56.5 18.6 75.3 74.8 63.1 17.5 70.9 72.1 55.9 14.0 55.9 54.6 55.1 23.0
50 to 61 72.4 72.7 67.8 22.0 65.7 65.2 60.7 19.5 74.8 74.2 67.5 20.1 71.9 71.3 61.4 15.8 57.8 55.6 59.1 24.4
62 or older 68.1 71.1 75.2 30.7 62.8 59.4 68.2 27.0 70.3 71.5 75.1 29.0 70.1 67.9 71.7 24.3 56.3 48.0 65.9 33.5
Unknown 68.5 73.6 63.1 23.6 52.8 55.2 53.9 24.0 68.8 73.9 63.0 23.1 66.6 68.7 59.4 20.7 42.3 46.2 52.8 31.0
National origin
Foreign-born 66.0 71.1 59.3 22.5 53.4 58.9 52.9 23.3 69.7 73.6 59.2 20.3 67.4 69.9 54.1 16.5 42.4 47.6 51.6 30.9
Recent immigrant 60.9 69.1 50.6 23.4 43.7 56.4 47.4 27.6 66.9 73.5 50.5 20.5 66.2 68.4 47.5 17.0 36.1 46.1 46.5 35.6
All 73.1 73.1 64.2 19.7 60.9 60.9 55.6 19.7 74.0 74.0 64.0 18.8 70.0 70.0 57.8 15.5 52.6 52.6 54.2 24.8
Age--SSA data (years)
Younger than 30 69.3 73.1 46.8 16.7 52.3 59.2 42.6 19.6 69.0 75.1 46.7 16.7 62.1 68.3 41.5 14.6 43.5 53.4 42.7 25.2
30 to 39 74.1 73.4 57.4 16.6 63.3 63.9 51.3 17.3 75.1 74.9 57.3 16.0 69.0 72.3 49.9 13.1 55.6 55.1 50.6 22.0
40 to 49 74.1 73.5 63.6 18.7 64.4 64.1 56.7 18.6 75.4 75.0 63.3 17.6 71.0 72.3 56.0 14.1 55.7 54.4 55.3 23.0
50 to 61 72.2 72.9 67.7 22.1 65.7 65.4 60.7 19.6 74.7 74.5 67.5 20.2 72.0 71.7 61.3 15.9 57.7 55.7 59.1 24.4
62 or older 68.2 71.4 74.6 30.7 62.7 60.5 68.0 27.0 70.3 71.8 74.4 29.0 70.0 68.5 71.1 24.3 56.1 49.3 65.7 33.6
Unknown 68.8 73.5 63.7 23.7 53.2 55.4 54.2 23.9 69.2 73.7 63.5 23.3 66.5 68.4 59.9 20.8 45.8 49.5 53.0 30.5
National origin
Foreign-born 66.0 71.3 59.5 22.5 54.0 59.7 53.1 23.3 69.8 73.9 59.4 20.4 67.7 70.3 54.2 16.6 44.9 49.5 51.8 30.5
Recent immigrant 61.5 68.5 51.1 23.5 42.1 58.0 47.6 27.6 67.7 73.2 51.0 20.7 67.0 70.2 47.9 17.1 35.3 45.4 46.6 35.4
All 73.1 73.1 64.2 19.6 61.1 61.1 55.8 19.6 74.1 74.1 64.0 18.8 70.1 70.1 57.9 15.5 52.5 52.5 54.3 24.7

Note: Refer to notes to table 34.


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Table 42. Scores from the FRB Base Model and Age-Neutral Models: Credit-Score Statistics, and Distribution of Sample Population by Score Decile, by Selected Characteristics of Sample Population
Characteristic MEMO
Sample
(number)
Score statistics Sample population, grouped by characteristic and distributed by score decile (percent)
Mean Median Standard
deviation
1st 2nd 3rd 4th 5th 6th 7th 8th 9th 10th Total
Age--SSA data (years)
Younger than 30 33,011 33.2 34.0 21.0 18.6 14.5 12.4 14.3 15.6 14.8 6.9 1.8 .6 .6 100
30 to 39 40,485 40.8 36.8 28.0 16.1 14.4 12.5 10.4 9.3 9.5 9.7 7.1 4.6 6.4 100
40 to 49 46,407 48.2 46.2 29.6 11.2 11.7 11.3 10.1 9.2 8.9 9.0 9.2 8.0 11.5 100
50 to 61 43,474 55.4 57.6 28.9 6.9 8.3 9.6 9.7 8.8 8.9 9.9 11.8 11.7 14.4 100
62 or older 44,075 66.0 74.4 24.4 2.6 4.0 5.8 6.2 6.4 7.9 10.6 20.5 23.7 12.5 100
Unknown 25,015 52.9 53.4 26.4 6.2 7.3 8.4 10.5 13.6 15.2 12.5 7.2 7.6 11.7 100
National origin
Foreign-born 25,597 48.7 48.0 26.6 8.2 8.9 10.6 12.5 12.8 13.1 10.2 8.3 7.1 8.4 100
Recent immigrant 4,261 44.3 46.2 20.9 8.0 7.0 9.1 14.8 18.7 21.5 12.4 4.4 2.0 2.1 100
All 232,467 50.0 50.0 28.8 10.1 10.0 10.0 10.0 10.0 10.3 9.7 10.2 10.0 9.8 100
Age--SSA data (years)
Younger than 30 33,011 32.6 33.8 20.0 18.4 14.6 12.6 15.3 15.3 16.7 5.3 1.2 .4 .2 100
30 to 39 40,485 40.0 36.8 26.8 16.1 14.3 12.6 10.2 9.9 9.0 12.0 8.0 4.5 3.5 100
40 to 49 46,407 47.7 46.6 28.9 11.3 11.7 11.3 9.6 9.4 7.9 11.3 10.7 8.6 8.2 100
50 to 61 43,474 55.5 59.6 28.8 7.0 8.3 9.5 9.1 8.8 7.7 11.5 12.6 12.3 13.2 100
62 or older 44,075 68.1 77.2 25.5 2.7 3.9 5.7 5.8 6.3 6.6 9.6 15.7 22.3 21.3 100
Unknown 25,015 52.5 53.6 26.3 6.1 7.4 8.3 12.2 12.8 17.1 8.2 9.5 7.9 10.6 100
National origin
Foreign-born 25,597 48.3 47.8 26.3 8.3 8.8 10.6 12.3 13.1 13.8 10.5 8.0 7.2 7.4 100
Recent immigrant 4,261 43.2 45.6 19.7 8.1 6.9 9.4 15.2 18.6 25.6 10.2 3.6 1.5 .9 100
All 232,467 50.0 50.0 28.8 10.1 10.0 10.0 10.0 10.0 10.1 9.9 10.1 9.9 9.9 100
Age--SSA data (years)
Younger than 30 33,011 32.8 33.8 20.4 18.5 14.7 12.4 15.3 15.1 15.8 5.9 1.6 .5 .3 100
30 to 39 40,485 40.2 36.8 27.1 16.1 14.4 12.6 10.6 9.4 9.8 10.3 8.1 4.4 4.4 100
40 to 49 46,407 47.8 46.4 29.2 11.2 11.7 11.3 10.2 9.1 8.8 9.7 10.6 7.8 9.7 100
50 to 61 43,474 55.4 58.0 28.9 6.8 8.3 9.6 9.7 8.7 8.7 10.2 12.5 11.4 14.2 100
62 or older 44,075 67.5 76.2 25.3 2.6 3.9 5.7 6.1 6.1 7.5 9.9 15.9 23.8 18.4 100
Unknown 25,015 53.0 53.8 26.3 6.2 7.2 8.3 10.7 13.5 14.9 11.8 8.5 9.0 9.8 100
National origin
Foreign-born 25,597 48.4 47.8 26.4 8.2 8.9 10.6 12.7 12.8 13.5 10.2 8.2 7.0 7.8 100
Recent immigrant 4,261 43.6 45.8 20.1 8.0 7.1 9.2 15.1 19.1 23.1 11.4 4.5 1.6 1.1 100
All 232,467 50.1 50.0 28.9 10.1 10.0 10.0 10.2 9.8 10.4 9.6 10.0 10.0 9.9 100

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Table 43. FRB Age-Neutral Models: Changes in FRB Base-Model Scores and in the FRB Base-Model Probability of Bad Performance, by Quintiles of the FRB Base Score
Characteristic Lowest Second lowest Top three
Change in score Percent of sample with a change in score, by type of change Change in probability of bad performance Change in score Percent of sample with a change in score, by type of change Change in probability of bad performance Change in score Percent of sample with a change in score, by type of change Change in probability of bad performance
Mean Median Mean absolute value Increase Change of less than 5 points Mean Percent of sample with an increase Mean Median Mean absolute value Increase Change of less than 5 points Mean Percent of sample with an increase Mean Median Mean absolute value Increase Change of less than 5 points Mean Percent of sample with an increase
Age--SSA data (years)
Younger than 30 .2 .0 .9 52.4 99.6 .5 49.3 .1 -.2 1.3 46.7 96.3 .5 52.3 -1.9 -1.6 3.1 28.9 79.7 -1.6 16.9
30 to 39 .0 .0 .8 51.2 99.9 .2 48.6 .1 .0 .9 53.7 99.3 .7 60.4 -1.8 -1.0 3.3 38.1 77.4 -.7 28.8
40 to 49 .0 -.2 .8 50.0 99.9 .1 48.0 .2 .0 .9 56.3 99.6 .8 62.8 -1.0 -.2 3.0 47.1 79.7 -.3 38.0
50 to 61 -.1 -.2 .8 48.4 99.9 .1 47.0 .2 .0 .9 57.1 99.8 .8 63.5 .1 .2 2.8 57.4 81.5 .0 49.6
62 or older -.2 -.2 .8 45.9 100.0 .0 45.8 .3 .2 .9 60.3 99.7 1.0 65.4 2.6 1.8 4.2 72.7 63.8 .5 72.3
Unknown .3 .0 1.0 58.0 99.6 .9 57.4 -.2 -.2 1.3 45.6 98.5 .1 50.7 -.7 -1.4 4.4 41.4 64.8 -.8 35.9
National origin
Foreign-born -.1 -.2 .9 44.4 99.8