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 Figures 2.A-2.C


Figure 2.A. TransRisk Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Note. For definition of characteristics, refer to notes to table 9.



Figure 2.A. TransRisk Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Race or ethnicity (SSA data)
Percent
Score
decile
Non-
Hispanic
white
Black Hispanic Asian
1st 7.84 30.08 15.05 5.68
2nd 8.53 22.47 14.98 6.58
3rd 8.66 15.59 14.94 7.26
4th 9.92 10.07 13.28 10.58
5th 10.11 7.18 10.84 12.02
6th 9.99 4.64 9.52 13.96
7th 9.65 3.15 6.82 12.43
8th 10.62 2.72 5.64 11.06
9th 12.71 2.40 4.97 10.60
10th 11.96 1.69 3.95 9.82

Figure 2.A. TransRisk Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Race or ethnicity (location-based distribution)
Percent
Score
decile
Non-
Hispanic
white
Black Hispanic Asian
1st 8.51 19.29 13.38 8.29
2nd 8.92 16.19 12.59 8.71
3rd 9.00 13.27 12.67 8.86
4th 9.74 10.41 11.73 10.36
5th 10.11 9.01 10.46 10.65
6th 10.17 7.64 9.64 11.22
7th 10.59 6.99 8.79 11.05
8th 10.73 6.48 7.67 10.35
9th 11.45 5.58 6.87 10.31
10th 10.77 5.13 6.21 10.22

Figure 2.A. TransRisk Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Sex
Percent
Score
decile
Male Female
1st 10.64 10.83
2nd 10.72 10.22
3rd 10.32 9.49
4th 10.76 9.82
5th 10.21 9.76
6th 9.83 9.27
7th 8.82 8.89
8th 9.20 9.50
9th 10.44 11.17
10th 9.06 11.05

Figure 2.A. TransRisk Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Age (years)
Percent
Score
decile
Younger
than 30
30-39 40-49 50-61 62 or
older
1st 16.93 16.87 11.70 7.25 2.91
2nd 14.81 13.92 11.79 8.78 4.31
3rd 14.56 12.12 10.62 8.57 4.91
4th 13.85 11.41 10.75 9.88 6.46
5th 12.47 9.48 10.24 10.69 7.61
6th 13.56 9.72 9.42 9.24 6.79
7th 8.65 9.09 8.87 9.03 8.61
8th 3.93 7.72 8.93 10.39 14.35
9th 1.05 6.92 10.59 14.31 18.49
10th 0.19 2.75 7.10 11.86 25.55

Figure 2.A. TransRisk Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Marital status
Percent
Score
decile
Married
male
Single
male
Married
female
Single
female
1st 6.51 14.10 6.48 14.61
2nd 7.82 12.67 7.34 12.38
3rd 8.02 11.83 7.44 10.97
4th 9.78 11.74 9.06 10.67
5th 10.30 10.40 9.74 9.88
6th 10.41 9.46 9.63 8.60
7th 10.00 7.66 9.98 7.66
8th 11.25 7.69 11.31 8.04
9th 13.87 7.56 14.47 8.68
10th 12.04 6.91 14.54 8.51

Figure 2.A. TransRisk Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Income ratio of tract
Percent
Score
decile
Low Moderate Middle High
1st 22.84 16.12 9.71 5.40
2nd 18.22 14.22 9.95 6.51
3rd 14.99 12.99 9.93 6.85
4th 10.60 11.03 10.10 9.20
5th 8.37 9.58 10.10 10.45
6th 7.60 8.57 9.92 11.00
7th 6.32 8.05 10.05 11.80
8th 5.36 7.16 10.06 12.17
9th 2.94 6.31 10.45 13.65
10th 2.77 5.97 9.71 12.97

Return to figure


Figure 2.B. VantageScore: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Note. For definition of characteristics, refer to notes to table 9.



Figure 2.B. VantageScore: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Race or ethnicity (SSA data)
Percent
Score
decile
Non-
Hispanic
white
Black Hispanic Asian
1st 7.51 30.18 14.94 4.93
2nd 8.34 21.88 14.93 6.66
3rd 9.02 15.13 15.12 8.36
4th 9.58 10.14 12.40 10.47
5th 9.34 6.91 10.90 11.82
6th 9.40 5.01 9.10 12.01
7th 10.34 3.76 7.38 11.52
8th 11.71 2.92 6.29 11.83
9th 12.53 2.08 4.70 10.45
10th 12.23 2.00 4.24 11.94

Figure 2.B. VantageScore: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Race or ethnicity (location-based distribution)
Percent
Score
decile
Non-
Hispanic
white
Black Hispanic Asian
1st 8.41 19.82 13.48 8.29
2nd 8.84 15.87 12.89 8.61
3rd 9.17 12.82 12.53 9.21
4th 9.75 10.48 11.41 10.05
5th 9.92 9.09 10.80 10.75
6th 10.21 8.43 9.91 10.95
7th 10.82 7.18 8.61 10.72
8th 10.89 6.15 7.62 9.89
9th 11.20 5.42 6.61 9.51
10th 10.81 4.75 6.15 12.02

Figure 2.B. VantageScore: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Sex
Percent
Score
decile
Male Female
1st 10.48 10.34
2nd 10.52 10.09
3rd 10.37 10.04
4th 10.05 9.81
5th 9.45 9.21
6th 9.18 8.88
7th 9.39 9.52
8th 9.97 10.59
9th 10.00 11.17
10th 10.60 10.34

Figure 2.B. VantageScore: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Age (years)
Percent
Score
decile
Younger
than 30
30-39 40-49 50-61 62 or
older
1st 19.56 15.66 10.75 6.33 2.40
2nd 16.89 14.13 10.95 7.80 3.63
3rd 15.63 12.66 10.88 8.57 4.76
4th 15.49 11.03 9.98 9.21 5.40
5th 11.83 10.04 9.62 9.17 6.66
6th 9.50 9.30 9.07 9.11 8.30
7th 6.79 8.84 9.40 9.93 11.61
8th 3.06 8.07 9.62 11.46 17.27
9th 1.03 5.75 9.07 12.15 22.27
10th 0.23 4.52 10.65 16.26 17.69

Figure 2.B. VantageScore: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Marital status
Percent
Score
decile
Married
male
Single
male
Married
female
Single
female
1st 5.78 13.68 5.59 13.72
2nd 7.31 12.65 6.89 12.76
3rd 8.22 12.22 8.19 11.64
4th 8.86 11.34 8.78 10.70
5th 9.48 9.48 9.17 9.11
6th 9.78 8.81 9.44 8.15
7th 10.50 8.64 10.66 8.64
8th 11.85 8.99 12.69 9.04
9th 13.22 7.48 14.28 9.19
10th 15.00 6.71 14.30 7.06

Figure 2.B. VantageScore: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Income ratio of tract
Percent
Score
decile
Low Moderate Middle High
1st 25.66 16.55 9.48 5.18
2nd 18.48 14.30 9.98 6.09
3rd 12.99 12.81 10.06 7.28
4th 10.42 11.02 10.37 8.58
5th 9.79 10.01 10.11 9.61
6th 7.63 9.28 10.08 10.67
7th 5.82 7.94 10.48 11.72
8th 4.46 7.15 10.34 11.97
9th 2.67 6.21 10.50 12.67
10th 2.10 4.73 8.59 16.21

Return to figure


Figure 2.C. FRB Base Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Note. For definition of characteristics, refer to notes to table 9.



Figure 2.C. FRB Base Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Race or ethnicity (SSA data)
Percent
Score
decile
Non-
Hispanic
white
Black Hispanic Asian
1st 7.62 30.30 15.50 5.09
2nd 8.35 22.58 14.70 6.14
3rd 9.03 15.22 14.72 8.08
4th 9.50 9.89 13.17 10.47
5th 9.58 6.91 10.86 12.39
6th 10.07 4.85 9.44 15.22
7th 10.30 3.38 6.86 12.98
8th 12.30 2.72 5.42 10.01
9th 12.20 2.19 4.64 8.34
10th 11.05 1.95 4.70 11.26

Figure 2.C. FRB Base Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Race or ethnicity (location-based distribution)
Percent
Score
decile
Non-
Hispanic
white
Black Hispanic Asian
1st 8.43 19.41 13.71 8.29
2nd 8.82 16.39 12.59 8.26
3rd 9.27 13.09 12.22 9.22
4th 9.63 10.43 11.86 10.39
5th 9.93 9.14 10.91 10.78
6th 10.58 8.08 9.98 11.81
7th 10.33 6.51 8.05 10.05
8th 11.26 5.99 6.92 9.28
9th 11.03 5.81 6.83 9.26
10th 10.72 5.14 6.93 12.66

Figure 2.C. FRB Base Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Sex
Percent
Score
decile
Male Female
1st 10.52 10.65
2nd 10.77 9.88
3rd 10.43 9.93
4th 10.18 9.67
5th 9.75 9.37
6th 9.88 9.55
7th 9.36 9.33
8th 9.80 11.26
9th 9.75 10.74
10th 9.56 9.61

Figure 2.C. FRB Base Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Age (years)
Percent
Score
decile
Younger
than 30
30-39 40-49 50-61 62 or
older
1st 18.59 16.10 11.20 6.85 2.58
2nd 14.47 14.36 11.71 8.34 3.97
3rd 12.37 12.50 11.30 9.62 5.77
4th 14.31 10.42 10.13 9.65 6.21
5th 15.58 9.34 9.16 8.81 6.40
6th 14.82 9.46 8.85 8.90 7.85
7th 6.86 9.74 9.03 9.93 10.60
8th 1.82 7.07 9.18 11.77 20.47
9th 0.55 4.63 7.95 11.70 23.71
10th 0.63 6.38 11.49 14.43 12.45

Figure 2.C. FRB Base Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Marital status
Percent
Score
decile
Married
male
Single
male
Married
female
Single
female
1st 6.23 13.54 5.99 14.09
2nd 7.60 12.85 7.02 12.22
3rd 8.68 11.90 8.32 11.23
4th 9.12 11.26 8.88 10.31
5th 9.43 10.13 8.81 9.86
6th 10.05 9.83 9.65 9.41
7th 10.58 8.81 10.20 8.71
8th 12.14 8.12 13.66 9.70
9th 13.06 7.23 13.92 8.54
10th 13.11 6.33 13.55 5.92

Figure 2.C. FRB Base Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile

Income ratio of tract
Percent
Score
decile
Low Moderate Middle High
1st 24.65 16.25 9.55 5.33
2nd 18.20 14.27 10.03 6.03
3rd 13.64 12.71 10.00 7.65
4th 10.68 10.99 10.05 9.07
5th 9.32 10.20 10.00 9.86
6th 8.44 9.15 10.36 11.18
7th 5.23 7.43 10.01 11.11
8th 4.22 7.08 10.85 11.70
9th 3.17 6.96 10.45 11.95
10th 2.45 4.97 8.69 16.13

Return to figure