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

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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 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

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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

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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

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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
Memo: Scorecard Statistics
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
Memo: Scorecard Statistics
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
Memo: Scorecard Statistics
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

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