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
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
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 |
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
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 |
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
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 |
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
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.
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 |
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.
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 |
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.
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 |
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.
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.
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.
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.
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.
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.
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
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.
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 | |
FRB base model | ||||||||||||||||||||
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 |
Non-Hispanic-white-only model | ||||||||||||||||||||
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 |
Racial-indicator-variable model | ||||||||||||||||||||
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.
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 | ||
FRB base model | |||||||||||||||
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 |
Non-Hispanic-white-only model | |||||||||||||||
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 |
Racial-indicator-variable model | |||||||||||||||
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.
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 | |
Non-Hispanic-white-only model | |||||||||||||||||||||
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 |
Racial-indicator-variable model | |||||||||||||||||||||
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.
Characteristic | Any account |
New account |
Existing account |
Random account |
Modified new account |
---|---|---|---|---|---|
FRB base score | |||||
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 |
Non-Hispanic-white-only score | |||||
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 |
Racial-indicator-variable score | |||||
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.
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.
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."
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 | |
FRB base model | ||||||||||||||||||||
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 |
Older-age model | ||||||||||||||||||||
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-indicator-variable model | ||||||||||||||||||||
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.
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 | ||
FRB base model | |||||||||||||||
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 |
Older-age Model | |||||||||||||||
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-indicator-variable model | |||||||||||||||
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 |
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 | |
Older-age model | |||||||||||||||||||||
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 | .0 | 42.7 | .2 | .0 | 1.1 | 51.3 | 97.6 | .7 | 57.0 | -.7 | -.4 | 3.3 | 45.7 | 75.7 | -.5 | 36.7 |
Recent immigrant | -.1 | -.2 | .8 | 45.4 | 99.8 | -.1 | 41.8 | .2 | -.2 | 1.5 | 46.4 | 94.6 | .6 | 50.4 | -1.9 | -1.6 | 3.6 | 30.2 | 74.4 | -1.3 | 19.5 |
All | .1 | .0 | .8 | 51.0 | 99.8 | .3 | 48.9 | .1 | .0 | 1.0 | 53.5 | 98.9 | .7 | 59.5 | .0 | .0 | 3.5 | 52.2 | 73.9 | -.3 | 45.7 |
Age-indicator-variable Model | |||||||||||||||||||||
Age--SSA data (years) | |||||||||||||||||||||
Younger than 30 | .0 | .0 | .2 | 61.4 | 100.0 | .0 | 28.6 | -.1 | .0 | .3 | 58.1 | 100.0 | -.4 | 18.8 | -1.0 | -.8 | 1.3 | 23.0 | 97.6 | -.7 | 12.0 |
30 to 39 | .0 | .0 | .1 | 69.4 | 100.0 | .0 | 41.9 | .0 | .0 | .2 | 73.5 | 100.0 | -.2 | 37.3 | -1.3 | -.6 | 1.8 | 33.4 | 91.1 | -.4 | 26.1 |
40 to 49 | .0 | .0 | .1 | 74.4 | 100.0 | .1 | 50.5 | .0 | .0 | .2 | 80.4 | 100.0 | -.1 | 49.6 | -.8 | -.2 | 1.6 | 47.8 | 92.7 | -.1 | 46.1 |
50 to 61 | .0 | .0 | .1 | 77.9 | 100.0 | .1 | 55.4 | .1 | .0 | .2 | 84.2 | 100.0 | -.1 | 56.9 | .0 | .4 | 1.6 | 61.1 | 94.4 | .1 | 65.6 |
62 or older | .0 | .0 | .1 | 79.0 | 100.0 | .1 | 60.9 | .1 | .2 | .2 | 88.3 | 100.0 | .1 | 67.4 | 1.9 | 1.4 | 2.7 | 77.0 | 82.6 | .6 | 83.0 |
Unknown | .0 | .0 | .2 | 76.1 | 100.0 | .1 | 56.6 | .1 | .0 | .3 | 76.9 | 100.0 | -.1 | 51.7 | .0 | -.2 | 2.1 | 49.4 | 84.2 | -.1 | 37.6 |
National origin | |||||||||||||||||||||
Foreign-born | .0 | .0 | .1 | 68.8 | 100.0 | .0 | 40.2 | .0 | .0 | .2 | 71.6 | 100.0 | -.2 | 38.5 | -.4 | -.2 | 1.7 | 45.8 | 92.1 | -.2 | 41.3 |
Recent immigrant | -.1 | .0 | .2 | 62.1 | 100.0 | -.1 | 28.0 | -.1 | .0 | .3 | 55.7 | 100.0 | -.4 | 20.6 | -1.1 | -.8 | 1.6 | 25.0 | 95.4 | -.7 | 15.4 |
All | .0 | .0 | .1 | 71.0 | 100.0 | .1 | 44.9 | .0 | .0 | .2 | 76.0 | 100.0 | -.2 | 44.9 | .1 | .0 | 1.9 | 53.9 | 89.7 | .0 | 52.6 |
Characteristic | Any account |
New account |
Existing account |
Random account |
Modified new account |
---|---|---|---|---|---|
FRB base score | |||||
Age--SSA data (years) | |||||
Younger than 30 | .4 | 2.2 | .5 | 2.0 | 1.8 |
30 to 39 | -.2 | -.5 | -.2 | .0 | .0 |
40 to 49 | -.2 | -.6 | -.4 | -.9 | -.5 |
50 to 61 | -.3 | -1.0 | -.4 | -1.2 | -.8 |
62 or older | .1 | .2 | .3 | -.1 | .0 |
Unknown | .6 | 2.1 | .9 | 2.3 | .9 |
National origin | |||||
Foreign-born | -.5 | -.4 | -.6 | -.7 | -.4 |
Recent immigrant | -1.3 | -.3 | -1.2 | -.1 | -.6 |
All | .0 | .0 | .0 | .0 | .0 |
Older-age score | |||||
Age--SSA data (years) | |||||
Younger than 30 | .1 | 2.1 | .2 | 1.9 | 1.8 |
30 to 39 | -.3 | -.5 | -.2 | .0 | .0 |
40 to 49 | -.1 | -.6 | -.4 | -.9 | -.5 |
50 to 61 | -.1 | -1.0 | -.3 | -1.2 | -.8 |
62 or older | .3 | .3 | .5 | -.1 | .0 |
Unknown | .4 | 2.0 | .8 | 2.2 | .9 |
National origin | |||||
Foreign-born | -.6 | -.4 | -.7 | -.8 | -.4 |
Recent immigrant | -1.7 | -.4 | -1.6 | -.3 | -.7 |
All | .0 | .0 | .0 | .0 | .0 |
Age-indicator-variable score | |||||
Age--SSA data (years) | |||||
Younger than 30 | .2 | 2.1 | .3 | 1.9 | 1.8 |
30 to 39 | -.3 | -.5 | -.3 | -.1 | .0 |
40 to 49 | -.1 | -.6 | -.4 | -.8 | -.5 |
50 to 61 | -.2 | -1.0 | -.4 | -1.2 | -.8 |
62 or older | .3 | .3 | .4 | -.1 | .0 |
Unknown | .6 | 2.1 | 1.0 | 2.3 | .9 |
National origin | |||||
Foreign-born | -.5 | -.4 | -.7 | -.7 | -.4 |
Recent immigrant | -1.5 | -.4 | -1.4 | -.2 | -.7 |
All | .0 | .0 | .0 | .0 | .0 |
S004, average age of accounts (months) |
Model | Population distribution (percent) |
||
---|---|---|---|---|
FRB base | Older-age | Age- indicator- variable |
||
0-9 | 0 | 0 | 0 | .7 |
10-15 | 62 | -81 | 64 | 1.3 |
16-33 | 104 | 4 | 102 | 6.3 |
34-44 | 123 | -3 | 116 | 4.6 |
45-55 | 134 | 27 | 131 | 5.5 |
56-61 | 151 | 50 | 152 | 3.8 |
62-70 | 151 | 57 | 155 | 7.4 |
71-75 | 158 | 71 | 164 | 4.9 |
76-84 | 161 | 72 | 168 | 9.7 |
85-103 | 162 | 76 | 172 | 19.1 |
104-152 | 164 | 79 | 176 | 24.6 |
153-224 | 165 | 86 | 181 | 9.2 |
225 or more | 169 | 92 | 188 | 2.9 |
Note: Credit characteristic S004 is "Average age of accounts on credit report."
The data shown here for the FRB base model are also reported in table 12.B.
Charac- teristic |
FRB base | Older-age | Age-indicator-variable | |||
---|---|---|---|---|---|---|
Mean score |
Mean per- formance residual |
Mean score |
Mean per- formance residual |
Mean score |
Mean per- formance residual |
|
Age | 33.2 | .4 | 32.5 | -.3 | 32.8 | .1 |
19 | 38.7 | 1.5 | 38.6 | .5 | 38.9 | 1.6 |
20 | 37.0 | 3.3 | 37.0 | 2.7 | 37.1 | 3.3 |
21 | 35.4 | 3.9 | 35.1 | 3.4 | 35.2 | 3.7 |
22 | 33.1 | 2.1 | 32.9 | 1.5 | 32.9 | 1.9 |
23 | 31.3 | .3 | 30.8 | -.4 | 31.0 | .0 |
24 | 31.3 | -.5 | 30.6 | -1.3 | 30.8 | -.8 |
25 | 30.8 | -.3 | 29.9 | -1.1 | 30.2 | -.7 |
26 | 31.6 | -.3 | 30.6 | -1.1 | 31.1 | -.6 |
27 | 33.2 | -.7 | 32.1 | -1.4 | 32.5 | -1.0 |
28 | 33.6 | -1.1 | 32.6 | -1.7 | 33.0 | -1.4 |
29 | 34.3 | -1.5 | 33.4 | -2.1 | 33.6 | -1.7 |
62 or older | 66.0 | .1 | 68.1 | .3 | 67.5 | .3 |
Recent immi- grants |
44.3 | -1.3 | 43.2 | -1.6 | 43.6 | -1.5 |
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 | ||||||
Thin-file | |||||||||||||||||||||||||
Age--SSA data (years) | |||||||||||||||||||||||||
Younger than 30 | 14.9 | 8.1 | 40.9 | 12.3 | 23.9 | 4.9 | 13.1 | 45.7 | 3.1 | 33.2 | 7.3 | 10.7 | 44.1 | 4.6 | 33.4 | 6.0 | 12.0 | 44.2 | 4.1 | 33.7 | 3.1 | 12.6 | 47.4 | 1.6 | 35.3 |
30 to 39 | 18.4 | 7.1 | 30.8 | 24.2 | 19.5 | 7.0 | 17.2 | 33.5 | 5.8 | 36.4 | 10.9 | 10.5 | 36.8 | 9.1 | 32.6 | 9.4 | 13.5 | 35.6 | 8.6 | 32.9 | 4.0 | 16.4 | 38.1 | 3.1 | 38.5 |
40 to 49 | 18.6 | 9.0 | 30.0 | 21.2 | 21.2 | 8.7 | 19.4 | 29.9 | 6.3 | 35.8 | 9.5 | 13.9 | 34.9 | 7.2 | 34.4 | 8.3 | 15.5 | 34.6 | 6.8 | 34.7 | 4.2 | 19.4 | 33.6 | 2.2 | 40.6 |
50 to 61 | 13.6 | 12.6 | 27.1 | 16.0 | 30.8 | 7.6 | 17.6 | 34.8 | 5.7 | 34.3 | 7.1 | 17.2 | 28.5 | 4.4 | 42.9 | 5.9 | 18.3 | 28.6 | 4.4 | 42.7 | 3.6 | 17.1 | 37.8 | 2.6 | 38.9 |
62 or older | 4.6 | 22.9 | 17.8 | 3.2 | 51.6 | 2.8 | 22.0 | 22.1 | 2.8 | 50.3 | 2.4 | 24.2 | 16.9 | 1.0 | 55.6 | 2.2 | 24.2 | 17.3 | 1.1 | 55.2 | 2.3 | 20.5 | 27.0 | 1.4 | 48.8 |
Unknown | 5.4 | 19.9 | 25.8 | 4.9 | 44.1 | 4.1 | 24.4 | 30.5 | 2.3 | 38.8 | 3.4 | 21.0 | 25.8 | 2.7 | 47.0 | 2.8 | 21.6 | 25.9 | 2.4 | 47.3 | 2.5 | 23.0 | 34.5 | 1.1 | 38.9 |
National origin | |||||||||||||||||||||||||
Foreign-born | 9.1 | 11.9 | 31.4 | 8.1 | 39.5 | 3.8 | 12.7 | 34.7 | 1.2 | 47.6 | 4.6 | 13.5 | 31.9 | 3.6 | 46.4 | 3.9 | 14.6 | 33.0 | 3.2 | 45.4 | 2.3 | 12.6 | 35.9 | .5 | 48.8 |
Recent immigrant | 7.4 | 9.9 | 29.0 | 6.7 | 47.1 | 3.3 | 11.7 | 29.6 | .4 | 55.0 | 3.8 | 10.7 | 29.2 | 3.9 | 52.4 | 3.4 | 11.7 | 29.9 | 3.4 | 51.5 | 1.5 | 11.1 | 32.4 | .2 | 54.8 |
All | 11.1 | 14.1 | 30.2 | 10.9 | 33.7 | 5.3 | 17.0 | 38.2 | 3.7 | 35.8 | 5.5 | 17.3 | 31.0 | 3.9 | 42.4 | 4.7 | 17.9 | 31.6 | 3.7 | 42.1 | 3.2 | 16.4 | 41.0 | 1.8 | 37.7 |
Clean-file | |||||||||||||||||||||||||
Age--SSA data (years) | |||||||||||||||||||||||||
Younger than 30 | 1.6 | 67.2 | 14.3 | 9.9 | 7.1 | .3 | 74.7 | 14.6 | 2.9 | 7.5 | 1.2 | 69.8 | 14.0 | 7.6 | 7.4 | .7 | 73.1 | 14.8 | 3.5 | 7.9 | .2 | 71.6 | 18.6 | 2.1 | 7.5 |
30 to 39 | 2.7 | 33.3 | 22.4 | 2.8 | 38.8 | .6 | 34.7 | 23.0 | .7 | 41.1 | 1.8 | 34.2 | 22.3 | 1.8 | 39.9 | .8 | 34.6 | 23.8 | .8 | 40.1 | .3 | 34.4 | 25.4 | .5 | 39.3 |
40 to 49 | 2.5 | 22.9 | 24.8 | 1.8 | 48.0 | .5 | 23.6 | 25.2 | .4 | 50.4 | 1.7 | 23.4 | 24.7 | 1.2 | 49.1 | .6 | 23.6 | 26.0 | .5 | 49.3 | .3 | 23.3 | 26.8 | .3 | 49.5 |
50 to 61 | 2.4 | 19.9 | 25.5 | 1.2 | 51.1 | .4 | 20.2 | 26.1 | .3 | 53.0 | 1.5 | 20.3 | 25.3 | .7 | 52.1 | .5 | 20.5 | 26.5 | .3 | 52.2 | .2 | 19.9 | 27.6 | .2 | 52.1 |
62 or older | 2.5 | 15.4 | 23.2 | .6 | 58.3 | .7 | 18.2 | 25.3 | .3 | 55.6 | 1.7 | 15.6 | 23.2 | .4 | 59.1 | .7 | 15.7 | 23.7 | .2 | 59.7 | .4 | 18.3 | 26.6 | .2 | 54.5 |
Unknown | 3.0 | 24.0 | 18.2 | 2.9 | 52.0 | .6 | 34.4 | 21.6 | 1.1 | 42.2 | 2.0 | 24.7 | 18.2 | 1.9 | 53.2 | 1.0 | 26.1 | 19.0 | 1.0 | 53.0 | .3 | 32.5 | 25.5 | 1.0 | 40.8 |
National origin | |||||||||||||||||||||||||
Foreign-born | 2.2 | 40.8 | 20.7 | 4.2 | 32.2 | .5 | 47.7 | 19.5 | 1.2 | 31.2 | 1.4 | 42.1 | 20.6 | 2.7 | 33.3 | .6 | 43.6 | 21.2 | 1.1 | 33.5 | .3 | 48.0 | 20.8 | .9 | 30.2 |
Recent immigrant | 1.0 | 73.2 | 11.4 | 7.9 | 6.5 | .2 | 81.4 | 10.0 | 2.0 | 6.4 | .9 | 76.6 | 11.2 | 4.7 | 6.6 | .5 | 79.3 | 11.6 | 1.8 | 6.8 | .2 | 80.7 | 12.3 | 1.1 | 5.7 |
All | 2.4 | 26.6 | 22.7 | 2.4 | 45.8 | .5 | 31.5 | 23.4 | .8 | 43.9 | 1.6 | 27.2 | 22.6 | 1.7 | 46.8 | .7 | 28.1 | 23.6 | .8 | 46.9 | .3 | 31.1 | 25.5 | .6 | 42.6 |
Major-derogatory | |||||||||||||||||||||||||
Age--SSA data (years) | |||||||||||||||||||||||||
Younger than 30 | .8 | 13.1 | 63.3 | 22.6 | .2 | .1 | 37.1 | 54.4 | 7.8 | .5 | .5 | 17.8 | 61.5 | 19.9 | .3 | .4 | 27.4 | 60.9 | 11.0 | .4 | .1 | 42.6 | 52.4 | 4.5 | .4 |
30 to 39 | 7.1 | 11.6 | 64.6 | 12.7 | 4.0 | 1.6 | 29.9 | 56.2 | 4.4 | 8.0 | 5.9 | 15.4 | 62.7 | 10.9 | 5.1 | 3.7 | 20.5 | 63.1 | 5.5 | 7.1 | .7 | 33.7 | 55.5 | 2.4 | 7.8 |
40 to 49 | 12.5 | 11.3 | 55.4 | 10.5 | 10.3 | 2.4 | 26.5 | 49.7 | 3.2 | 18.2 | 10.3 | 14.6 | 53.5 | 8.5 | 13.2 | 5.7 | 18.4 | 54.1 | 4.1 | 17.7 | 1.1 | 29.7 | 50.7 | 1.9 | 16.6 |
50 to 61 | 16.2 | 10.0 | 46.6 | 8.6 | 18.6 | 2.6 | 21.9 | 42.5 | 2.5 | 30.6 | 13.0 | 12.3 | 45.1 | 6.8 | 22.8 | 6.3 | 15.8 | 45.6 | 3.1 | 29.2 | .8 | 25.4 | 43.9 | 1.4 | 28.5 |
62 or older | 19.6 | 7.3 | 36.5 | 5.5 | 31.2 | 3.5 | 16.3 | 39.3 | 2.2 | 38.7 | 15.4 | 8.6 | 34.8 | 4.3 | 36.9 | 7.6 | 11.3 | 35.6 | 1.9 | 43.7 | 1.2 | 19.9 | 41.6 | 1.2 | 36.1 |
Unknown | 14.0 | 9.0 | 51.8 | 12.3 | 12.8 | 4.3 | 25.6 | 46.3 | 5.0 | 18.8 | 12.1 | 11.7 | 50.0 | 9.8 | 16.3 | 7.1 | 16.6 | 50.7 | 5.1 | 20.6 | 2.1 | 30.3 | 46.6 | 2.4 | 18.6 |
National origin | |||||||||||||||||||||||||
Foreign-born | 8.2 | 16.7 | 50.6 | 14.7 | 9.7 | 1.2 | 36.1 | 43.9 | 4.2 | 14.7 | 6.7 | 20.5 | 48.7 | 12.3 | 11.9 | 3.4 | 26.8 | 49.2 | 5.8 | 14.9 | .4 | 40.6 | 42.8 | 2.1 | 14.0 |
Recent immigrant | .5 | 24.2 | 50.7 | 24.3 | .4 | .0 | 55.5 | 38.4 | 6.1 | .0 | .4 | 29.6 | 48.9 | 20.7 | .4 | .3 | 40.4 | 48.9 | 10.0 | .3 | .0 | 61.3 | 35.9 | 2.8 | .0 |
All | 10.6 | 10.9 | 55.3 | 12.4 | 10.7 | 2.0 | 27.2 | 49.6 | 4.1 | 17.1 | 8.8 | 14.1 | 53.2 | 10.2 | 13.7 | 4.7 | 19.0 | 53.7 | 5.2 | 17.4 | .8 | 30.9 | 49.9 | 2.2 | 16.2 |
Note: Credit characteristic G103, "Total number of months since the most recent update on an account," is dropped from the thin-file scorecard. Credit characteristic S004, "Average age of accounts on credit report," is dropped from the clean-file and major-derogatory scorecards.