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

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

Tables for Figures 11.

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics

Note. The list of 312 credit characteristics is in appendix B. The correlation measure shown is the R-squared coefficient from the regression of each credit characteristc on any-account performance and on the demographic characteristic. For credit characteristics with missing values, two regressors were used: (1) an indicator variable with a value of 1 if the characteristic is missing and a value of zero otherwise and (2) a variable that takes a value of zero if the characteristic value is missing and the value of the credit characteristic otherwise. Generally, the demographic characteristic is an indicator variable that takes a value of 1 if the individual is a member of a specific nonbase demographic group and a value of zero if the individual is a member of the base group (refer to table 27 for the identity of the base groups). For these calculations, no base group is used for age; instead, age (expressed in years) is a continuous variable.

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Black
Correlation with performance	Correlation with Black	Type of characteristic
0.440	0.109	Payment history
0.431	0.085	Payment history
0.418	0.090	Payment history
0.399	0.094	Payment history
0.369	0.066	Payment history
0.307	0.081	Amounts owed
0.299	0.064	Payment history
0.295	0.048	Payment history
0.288	0.056	Payment history
0.267	0.056	Payment history
0.261	0.038	Payment history
0.261	0.031	Payment history
0.261	0.068	Amounts owed
0.260	0.065	Amounts owed
0.253	0.056	Payment history
0.249	0.067	Amounts owed
0.249	0.064	Amounts owed
0.244	0.027	Payment history
0.234	0.033	Payment history
0.224	0.023	Payment history
0.213	0.029	Payment history
0.207	0.053	Amounts owed
0.206	0.032	Payment history
0.198	0.041	Payment history
0.196	0.018	Payment history
0.190	0.024	Payment history
0.187	0.055	Amounts owed
0.185	0.028	Payment history
0.183	0.067	Length of credit history
0.179	0.067	New credit
0.178	0.057	Types of credit in use
0.169	0.055	Amounts owed
0.168	0.014	Payment history
0.162	0.023	Payment history
0.161	0.025	Payment history
0.160	0.018	Payment history
0.149	0.015	Payment history
0.140	0.048	Amounts owed
0.138	0.014	Payment history
0.135	0.017	Payment history
0.134	0.050	New credit
0.132	0.014	Payment history
0.129	0.021	Payment history
0.128	0.035	Amounts owed
0.127	0.035	Amounts owed
0.125	0.012	Payment history
0.122	0.027	Payment history
0.116	0.014	Payment history
0.112	0.035	Amounts owed
0.111	0.014	Payment history
0.107	0.037	Length of credit history
0.105	0.033	Payment history
0.105	0.027	Amounts owed
0.104	0.020	Payment history
0.104	0.039	Length of credit history
0.102	0.032	New credit
0.102	0.032	New credit
0.102	0.032	New credit
0.101	0.031	New credit
0.101	0.031	New credit
0.095	0.028	Payment history
0.090	0.027	Length of credit history
0.088	0.029	Payment history
0.087	0.027	Payment history
0.087	0.027	Payment history
0.087	0.024	Payment history
0.086	0.026	Payment history
0.086	0.013	Payment history
0.086	0.025	Payment history
0.085	0.005	Payment history
0.085	0.025	Payment history
0.085	0.004	Payment history
0.085	0.026	Payment history
0.085	0.004	Payment history
0.083	0.027	Payment history
0.083	0.026	Types of credit in use
0.082	0.027	Payment history
0.082	0.004	Payment history
0.079	0.024	Types of credit in use
0.079	0.024	Types of credit in use
0.078	0.005	Payment history
0.078	0.024	Types of credit in use
0.078	0.006	Payment history
0.078	0.024	Types of credit in use
0.078	0.004	Payment history
0.077	0.024	Types of credit in use
0.076	0.003	Payment history
0.076	0.022	Amounts owed
0.076	0.022	Amounts owed
0.075	0.005	Payment history
0.074	0.012	New credit
0.072	0.027	Payment history
0.071	0.022	Amounts owed
0.069	0.018	Length of credit history
0.066	0.023	Types of credit in use
0.066	0.023	Types of credit in use
0.065	0.023	Types of credit in use
0.065	0.023	Types of credit in use
0.064	0.023	Types of credit in use
0.063	0.020	Amounts owed
0.062	0.012	Amounts owed
0.062	0.007	Payment history
0.062	0.021	Payment history
0.061	0.021	Types of credit in use
0.059	0.004	Payment history
0.059	0.003	Payment history
0.058	0.020	Types of credit in use
0.058	0.020	Types of credit in use
0.057	0.024	Payment history
0.056	0.008	Payment history
0.056	0.018	Types of credit in use
0.056	0.018	Types of credit in use
0.055	0.018	Types of credit in use
0.054	0.009	New credit
0.054	0.015	Payment history
0.054	0.013	Amounts owed
0.053	0.009	Payment history
0.051	0.005	Payment history
0.050	0.007	New credit
0.049	0.016	Length of credit history
0.049	0.022	Payment history
0.048	0.012	Payment history
0.048	0.004	Payment history
0.047	0.010	Amounts owed
0.045	0.004	Payment history
0.045	0.002	Payment history
0.045	0.004	Payment history
0.044	0.021	Payment history
0.043	0.011	Types of credit in use
0.042	0.011	Types of credit in use
0.042	0.011	Types of credit in use
0.041	0.011	Types of credit in use
0.041	0.011	Types of credit in use
0.041	0.005	Payment history
0.039	0.003	Payment history
0.038	0.008	Types of credit in use
0.038	0.009	Types of credit in use
0.038	0.009	Types of credit in use
0.037	0.009	Types of credit in use
0.037	0.015	Length of credit history
0.036	0.009	Types of credit in use
0.036	0.009	Types of credit in use
0.035	0.006	Payment history
0.035	0.012	Amounts owed
0.035	0.002	Payment history
0.035	0.004	New credit
0.034	0.003	Payment history
0.033	0.003	Payment history
0.033	0.016	New credit
0.032	0.004	Payment history
0.032	0.012	Length of credit history
0.031	0.006	Types of credit in use
0.030	0.002	Payment history
0.030	0.013	Types of credit in use
0.029	0.002	Payment history
0.029	0.004	New credit
0.029	0.004	Payment history
0.028	0.018	Types of credit in use
0.028	0.008	Types of credit in use
0.028	0.013	New credit
0.027	0.009	New credit
0.027	0.005	New credit
0.026	0.007	Payment history
0.025	0.002	Payment history
0.025	0.016	Types of credit in use
0.024	0.008	Amounts owed
0.023	0.008	New credit
0.023	0.008	Length of credit history
0.023	0.008	Amounts owed
0.023	0.005	New credit
0.022	0.002	Payment history
0.022	0.001	Amounts owed
0.022	0.010	New credit
0.021	0.003	Payment history
0.020	0.005	Types of credit in use
0.020	0.010	Types of credit in use
0.020	0.004	New credit
0.020	0.003	Amounts owed
0.020	0.008	Length of credit history
0.019	0.006	Length of credit history
0.019	0.004	Payment history
0.019	0.013	Types of credit in use
0.019	0.006	New credit
0.018	0.010	Amounts owed
0.018	0.003	Types of credit in use
0.018	0.004	Payment history
0.018	0.006	Types of credit in use
0.017	0.005	Amounts owed
0.016	0.006	Amounts owed
0.015	0.003	New credit
0.015	0.005	Amounts owed
0.015	0.003	Amounts owed
0.014	0.006	Amounts owed
0.014	0.005	Amounts owed
0.013	0.002	Amounts owed
0.013	0.003	New credit
0.012	0.000	New credit
0.012	0.010	Types of credit in use
0.012	0.003	New credit
0.012	0.002	Payment history
0.012	0.010	Types of credit in use
0.012	0.010	Payment history
0.011	0.003	New credit
0.011	0.003	New credit
0.011	0.003	New credit
0.010	0.003	New credit
0.010	0.002	New credit
0.010	0.001	Payment history
0.010	0.004	Types of credit in use
0.010	0.002	New credit
0.010	0.001	Payment history
0.010	0.002	New credit
0.009	0.001	New credit
0.009	0.002	New credit
0.008	0.003	Amounts owed
0.008	0.005	Length of credit history
0.008	0.001	Types of credit in use
0.008	0.001	Types of credit in use
0.008	0.001	Payment history
0.007	0.001	New credit
0.007	0.001	Types of credit in use
0.007	0.003	Amounts owed
0.007	0.001	Payment history
0.007	0.001	New credit
0.007	0.003	New credit
0.007	0.016	Length of credit history
0.007	0.002	New credit
0.007	0.000	Types of credit in use
0.006	0.004	Payment history
0.006	0.001	Payment history
0.006	0.001	New credit
0.006	0.001	Payment history
0.006	0.001	Types of credit in use
0.006	0.000	Types of credit in use
0.006	0.002	New credit
0.006	0.003	Amounts owed
0.006	0.003	New credit
0.005	0.001	New credit
0.005	0.003	Amounts owed
0.005	0.000	Payment history
0.005	0.001	Payment history
0.005	0.002	New credit
0.005	0.001	New credit
0.005	0.003	Amounts owed
0.005	0.001	Amounts owed
0.005	0.001	New credit
0.005	0.003	Amounts owed
0.005	0.002	Amounts owed
0.005	0.002	New credit
0.005	0.002	Payment history
0.005	0.001	Payment history
0.004	0.006	Payment history
0.004	0.001	Amounts owed
0.004	0.000	New credit
0.004	0.001	Types of credit in use
0.004	0.001	Types of credit in use
0.004	0.001	Types of credit in use
0.004	0.001	Types of credit in use
0.004	0.001	Amounts owed
0.004	0.001	Types of credit in use
0.004	0.001	New credit
0.004	0.001	New credit
0.004	0.002	Length of credit history
0.004	0.002	New credit
0.003	0.001	Amounts owed
0.003	0.003	New credit
0.003	0.001	Amounts owed
0.003	0.001	Payment history
0.003	0.001	New credit
0.003	0.001	New credit
0.003	0.001	New credit
0.003	0.001	Amounts owed
0.003	0.002	Amounts owed
0.002	0.004	New credit
0.002	0.002	New credit
0.002	0.000	New credit
0.002	0.003	New credit
0.002	0.003	Types of credit in use
0.002	0.002	Amounts owed
0.002	0.004	New credit
0.002	0.000	Payment history
0.002	0.000	New credit
0.002	0.002	New credit
0.001	0.001	Types of credit in use
0.001	0.010	Types of credit in use
0.001	0.002	New credit
0.001	0.001	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.001	New credit
0.000	0.000	New credit
0.000	0.001	Amounts owed
0.000	0.000	Types of credit in use
0.000	0.001	Amounts owed
0.000	0.000	Payment history
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.000	Types of credit in use
0.000	0.000	Types of credit in use
0.000	0.000	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Hispanic
Correlation with performance	Correlation with Hispanic	Type of characteristic
0.440	0.018	Payment history
0.431	0.017	Payment history
0.418	0.017	Payment history
0.399	0.018	Payment history
0.369	0.015	Payment history
0.307	0.015	Amounts owed
0.299	0.006	Payment history
0.295	0.007	Payment history
0.288	0.008	Payment history
0.267	0.007	Payment history
0.261	0.006	Payment history
0.261	0.006	Payment history
0.261	0.016	Amounts owed
0.260	0.013	Amounts owed
0.253	0.007	Payment history
0.249	0.016	Amounts owed
0.249	0.014	Amounts owed
0.244	0.006	Payment history
0.234	0.006	Payment history
0.224	0.005	Payment history
0.213	0.005	Payment history
0.207	0.009	Amounts owed
0.206	0.006	Payment history
0.198	0.005	Payment history
0.196	0.004	Payment history
0.190	0.005	Payment history
0.187	0.023	Amounts owed
0.185	0.005	Payment history
0.183	0.031	Length of credit history
0.179	0.029	New credit
0.178	0.015	Types of credit in use
0.169	0.008	Amounts owed
0.168	0.004	Payment history
0.162	0.004	Payment history
0.161	0.003	Payment history
0.160	0.004	Payment history
0.149	0.004	Payment history
0.140	0.009	Amounts owed
0.138	0.002	Payment history
0.135	0.004	Payment history
0.134	0.012	New credit
0.132	0.004	Payment history
0.129	0.008	Payment history
0.128	0.009	Amounts owed
0.127	0.009	Amounts owed
0.125	0.001	Payment history
0.122	0.003	Payment history
0.116	0.002	Payment history
0.112	0.012	Amounts owed
0.111	0.003	Payment history
0.107	0.028	Length of credit history
0.105	0.014	Payment history
0.105	0.003	Amounts owed
0.104	0.000	Payment history
0.104	0.029	Length of credit history
0.102	0.013	New credit
0.102	0.013	New credit
0.102	0.013	New credit
0.101	0.012	New credit
0.101	0.012	New credit
0.095	0.005	Payment history
0.090	0.029	Length of credit history
0.088	0.007	Payment history
0.087	0.005	Payment history
0.087	0.005	Payment history
0.087	0.003	Payment history
0.086	0.006	Payment history
0.086	0.001	Payment history
0.086	0.007	Payment history
0.085	0.001	Payment history
0.085	0.007	Payment history
0.085	0.001	Payment history
0.085	0.006	Payment history
0.085	0.001	Payment history
0.083	0.006	Payment history
0.083	0.005	Types of credit in use
0.082	0.006	Payment history
0.082	0.002	Payment history
0.079	0.003	Types of credit in use
0.079	0.003	Types of credit in use
0.078	0.001	Payment history
0.078	0.003	Types of credit in use
0.078	0.001	Payment history
0.078	0.003	Types of credit in use
0.078	0.002	Payment history
0.077	0.003	Types of credit in use
0.076	0.001	Payment history
0.076	0.002	Amounts owed
0.076	0.002	Amounts owed
0.075	0.001	Payment history
0.074	0.005	New credit
0.072	0.009	Payment history
0.071	0.009	Amounts owed
0.069	0.020	Length of credit history
0.066	0.004	Types of credit in use
0.066	0.004	Types of credit in use
0.065	0.004	Types of credit in use
0.065	0.004	Types of credit in use
0.064	0.004	Types of credit in use
0.063	0.009	Amounts owed
0.062	0.004	Amounts owed
0.062	0.002	Payment history
0.062	0.003	Payment history
0.061	0.004	Types of credit in use
0.059	0.001	Payment history
0.059	0.001	Payment history
0.058	0.003	Types of credit in use
0.058	0.003	Types of credit in use
0.057	0.009	Payment history
0.056	0.001	Payment history
0.056	0.003	Types of credit in use
0.056	0.003	Types of credit in use
0.055	0.003	Types of credit in use
0.054	0.002	New credit
0.054	0.001	Payment history
0.054	0.004	Amounts owed
0.053	0.000	Payment history
0.051	0.001	Payment history
0.050	0.005	New credit
0.049	0.011	Length of credit history
0.049	0.008	Payment history
0.048	0.001	Payment history
0.048	0.001	Payment history
0.047	0.003	Amounts owed
0.045	0.001	Payment history
0.045	0.001	Payment history
0.045	0.001	Payment history
0.044	0.008	Payment history
0.043	0.000	Types of credit in use
0.042	0.000	Types of credit in use
0.042	0.000	Types of credit in use
0.041	0.000	Types of credit in use
0.041	0.000	Types of credit in use
0.041	0.001	Payment history
0.039	0.000	Payment history
0.038	0.004	Types of credit in use
0.038	0.000	Types of credit in use
0.038	0.000	Types of credit in use
0.037	0.000	Types of credit in use
0.037	0.007	Length of credit history
0.036	0.000	Types of credit in use
0.036	0.000	Types of credit in use
0.035	0.001	Payment history
0.035	0.003	Amounts owed
0.035	0.001	Payment history
0.035	0.003	New credit
0.034	0.000	Payment history
0.033	0.000	Payment history
0.033	0.005	New credit
0.032	0.000	Payment history
0.032	0.027	Length of credit history
0.031	0.002	Types of credit in use
0.030	0.000	Payment history
0.030	0.005	Types of credit in use
0.029	0.000	Payment history
0.029	0.003	New credit
0.029	0.000	Payment history
0.028	0.008	Types of credit in use
0.028	0.001	Types of credit in use
0.028	0.003	New credit
0.027	0.003	New credit
0.027	0.003	New credit
0.026	0.001	Payment history
0.025	0.000	Payment history
0.025	0.006	Types of credit in use
0.024	0.002	Amounts owed
0.023	0.003	New credit
0.023	0.002	Length of credit history
0.023	0.002	Amounts owed
0.023	0.003	New credit
0.022	0.000	Payment history
0.022	0.001	Amounts owed
0.022	0.002	New credit
0.021	0.000	Payment history
0.020	0.000	Types of credit in use
0.020	0.001	Types of credit in use
0.020	0.003	New credit
0.020	0.001	Amounts owed
0.020	0.005	Length of credit history
0.019	0.001	Length of credit history
0.019	0.000	Payment history
0.019	0.004	Types of credit in use
0.019	0.002	New credit
0.018	0.001	Amounts owed
0.018	0.002	Types of credit in use
0.018	0.001	Payment history
0.018	0.001	Types of credit in use
0.017	0.001	Amounts owed
0.016	0.001	Amounts owed
0.015	0.004	New credit
0.015	0.001	Amounts owed
0.015	0.000	Amounts owed
0.014	0.001	Amounts owed
0.014	0.001	Amounts owed
0.013	0.000	Amounts owed
0.013	0.004	New credit
0.012	0.001	New credit
0.012	0.005	Types of credit in use
0.012	0.000	New credit
0.012	0.000	Payment history
0.012	0.005	Types of credit in use
0.012	0.005	Payment history
0.011	0.000	New credit
0.011	0.001	New credit
0.011	0.000	New credit
0.010	0.000	New credit
0.010	0.000	New credit
0.010	0.000	Payment history
0.010	0.002	Types of credit in use
0.010	0.003	New credit
0.010	0.000	Payment history
0.010	0.002	New credit
0.009	0.001	New credit
0.009	0.000	New credit
0.008	0.000	Amounts owed
0.008	0.002	Length of credit history
0.008	0.000	Types of credit in use
0.008	0.000	Types of credit in use
0.008	0.000	Payment history
0.007	0.002	New credit
0.007	0.000	Types of credit in use
0.007	0.001	Amounts owed
0.007	0.000	Payment history
0.007	0.001	New credit
0.007	0.000	New credit
0.007	0.012	Length of credit history
0.007	0.001	New credit
0.007	0.000	Types of credit in use
0.006	0.000	Payment history
0.006	0.002	Payment history
0.006	0.000	New credit
0.006	0.000	Payment history
0.006	0.000	Types of credit in use
0.006	0.000	Types of credit in use
0.006	0.000	New credit
0.006	0.001	Amounts owed
0.006	0.000	New credit
0.005	0.002	New credit
0.005	0.001	Amounts owed
0.005	0.000	Payment history
0.005	0.000	Payment history
0.005	0.000	New credit
0.005	0.000	New credit
0.005	0.001	Amounts owed
0.005	0.000	Amounts owed
0.005	0.001	New credit
0.005	0.000	Amounts owed
0.005	0.000	Amounts owed
0.005	0.000	New credit
0.005	0.000	Payment history
0.005	0.000	Payment history
0.004	0.003	Payment history
0.004	0.000	Amounts owed
0.004	0.001	New credit
0.004	0.000	Types of credit in use
0.004	0.000	Types of credit in use
0.004	0.000	Types of credit in use
0.004	0.000	Types of credit in use
0.004	0.000	Amounts owed
0.004	0.000	Types of credit in use
0.004	0.000	New credit
0.004	0.000	New credit
0.004	0.001	Length of credit history
0.004	0.001	New credit
0.003	0.000	Amounts owed
0.003	0.000	New credit
0.003	0.001	Amounts owed
0.003	0.000	Payment history
0.003	0.002	New credit
0.003	0.000	New credit
0.003	0.001	New credit
0.003	0.001	Amounts owed
0.003	0.001	Amounts owed
0.002	0.001	New credit
0.002	0.000	New credit
0.002	0.000	New credit
0.002	0.001	New credit
0.002	0.000	Types of credit in use
0.002	0.001	Amounts owed
0.002	0.002	New credit
0.002	0.000	Payment history
0.002	0.001	New credit
0.002	0.001	New credit
0.001	0.000	Types of credit in use
0.001	0.008	Types of credit in use
0.001	0.000	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.001	Types of credit in use
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.000	New credit
0.000	0.003	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.003	Types of credit in use
0.000	0.000	Types of credit in use
0.000	0.000	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Asian
Correlation with performance	Correlation with Asian	Type of characteristic
0.440	0.001	Payment history
0.431	0.000	Payment history
0.418	0.000	Payment history
0.399	0.001	Payment history
0.369	0.001	Payment history
0.307	0.001	Amounts owed
0.299	0.001	Payment history
0.295	0.001	Payment history
0.288	0.000	Payment history
0.267	0.000	Payment history
0.261	0.000	Payment history
0.261	0.000	Payment history
0.261	0.001	Amounts owed
0.260	0.001	Amounts owed
0.253	0.000	Payment history
0.249	0.001	Amounts owed
0.249	0.001	Amounts owed
0.244	0.000	Payment history
0.234	0.000	Payment history
0.224	0.000	Payment history
0.213	0.000	Payment history
0.207	0.002	Amounts owed
0.206	0.000	Payment history
0.198	0.000	Payment history
0.196	0.000	Payment history
0.190	0.000	Payment history
0.187	0.000	Amounts owed
0.185	0.000	Payment history
0.183	0.004	Length of credit history
0.179	0.002	New credit
0.178	0.000	Types of credit in use
0.169	0.001	Amounts owed
0.168	0.000	Payment history
0.162	0.000	Payment history
0.161	0.001	Payment history
0.160	0.000	Payment history
0.149	0.000	Payment history
0.140	0.001	Amounts owed
0.138	0.001	Payment history
0.135	0.000	Payment history
0.134	0.002	New credit
0.132	0.000	Payment history
0.129	0.000	Payment history
0.128	0.001	Amounts owed
0.127	0.001	Amounts owed
0.125	0.001	Payment history
0.122	0.000	Payment history
0.116	0.000	Payment history
0.112	0.000	Amounts owed
0.111	0.000	Payment history
0.107	0.011	Length of credit history
0.105	0.000	Payment history
0.105	0.001	Amounts owed
0.104	0.001	Payment history
0.104	0.007	Length of credit history
0.102	0.000	New credit
0.102	0.000	New credit
0.102	0.000	New credit
0.101	0.000	New credit
0.101	0.000	New credit
0.095	0.000	Payment history
0.090	0.012	Length of credit history
0.088	0.002	Payment history
0.087	0.000	Payment history
0.087	0.000	Payment history
0.087	0.000	Payment history
0.086	0.000	Payment history
0.086	0.000	Payment history
0.086	0.000	Payment history
0.085	0.000	Payment history
0.085	0.000	Payment history
0.085	0.000	Payment history
0.085	0.000	Payment history
0.085	0.001	Payment history
0.083	0.002	Payment history
0.083	0.000	Types of credit in use
0.082	0.001	Payment history
0.082	0.001	Payment history
0.079	0.000	Types of credit in use
0.079	0.000	Types of credit in use
0.078	0.000	Payment history
0.078	0.000	Types of credit in use
0.078	0.000	Payment history
0.078	0.000	Types of credit in use
0.078	0.001	Payment history
0.077	0.000	Types of credit in use
0.076	0.000	Payment history
0.076	0.001	Amounts owed
0.076	0.001	Amounts owed
0.075	0.000	Payment history
0.074	0.000	New credit
0.072	0.000	Payment history
0.071	0.000	Amounts owed
0.069	0.007	Length of credit history
0.066	0.002	Types of credit in use
0.066	0.002	Types of credit in use
0.065	0.002	Types of credit in use
0.065	0.002	Types of credit in use
0.064	0.002	Types of credit in use
0.063	0.000	Amounts owed
0.062	0.002	Amounts owed
0.062	0.000	Payment history
0.062	0.000	Payment history
0.061	0.000	Types of credit in use
0.059	0.000	Payment history
0.059	0.000	Payment history
0.058	0.000	Types of credit in use
0.058	0.000	Types of credit in use
0.057	0.000	Payment history
0.056	0.000	Payment history
0.056	0.000	Types of credit in use
0.056	0.000	Types of credit in use
0.055	0.000	Types of credit in use
0.054	0.000	New credit
0.054	0.000	Payment history
0.054	0.000	Amounts owed
0.053	0.001	Payment history
0.051	0.000	Payment history
0.050	0.000	New credit
0.049	0.008	Length of credit history
0.049	0.000	Payment history
0.048	0.000	Payment history
0.048	0.000	Payment history
0.047	0.000	Amounts owed
0.045	0.000	Payment history
0.045	0.000	Payment history
0.045	0.000	Payment history
0.044	0.000	Payment history
0.043	0.000	Types of credit in use
0.042	0.000	Types of credit in use
0.042	0.000	Types of credit in use
0.041	0.000	Types of credit in use
0.041	0.000	Types of credit in use
0.041	0.000	Payment history
0.039	0.000	Payment history
0.038	0.001	Types of credit in use
0.038	0.000	Types of credit in use
0.038	0.000	Types of credit in use
0.037	0.000	Types of credit in use
0.037	0.002	Length of credit history
0.036	0.000	Types of credit in use
0.036	0.000	Types of credit in use
0.035	0.000	Payment history
0.035	0.001	Amounts owed
0.035	0.000	Payment history
0.035	0.001	New credit
0.034	0.000	Payment history
0.033	0.000	Payment history
0.033	0.001	New credit
0.032	0.000	Payment history
0.032	0.018	Length of credit history
0.031	0.001	Types of credit in use
0.030	0.000	Payment history
0.030	0.000	Types of credit in use
0.029	0.000	Payment history
0.029	0.000	New credit
0.029	0.000	Payment history
0.028	0.001	Types of credit in use
0.028	0.003	Types of credit in use
0.028	0.002	New credit
0.027	0.001	New credit
0.027	0.001	New credit
0.026	0.000	Payment history
0.025	0.000	Payment history
0.025	0.002	Types of credit in use
0.024	0.003	Amounts owed
0.023	0.000	New credit
0.023	0.000	Length of credit history
0.023	0.000	Amounts owed
0.023	0.001	New credit
0.022	0.000	Payment history
0.022	0.000	Amounts owed
0.022	0.002	New credit
0.021	0.000	Payment history
0.020	0.000	Types of credit in use
0.020	0.000	Types of credit in use
0.020	0.000	New credit
0.020	0.000	Amounts owed
0.020	0.002	Length of credit history
0.019	0.000	Length of credit history
0.019	0.000	Payment history
0.019	0.000	Types of credit in use
0.019	0.000	New credit
0.018	0.000	Amounts owed
0.018	0.001	Types of credit in use
0.018	0.000	Payment history
0.018	0.000	Types of credit in use
0.017	0.000	Amounts owed
0.016	0.001	Amounts owed
0.015	0.001	New credit
0.015	0.001	Amounts owed
0.015	0.000	Amounts owed
0.014	0.001	Amounts owed
0.014	0.001	Amounts owed
0.013	0.002	Amounts owed
0.013	0.001	New credit
0.012	0.005	New credit
0.012	0.000	Types of credit in use
0.012	0.001	New credit
0.012	0.000	Payment history
0.012	0.000	Types of credit in use
0.012	0.000	Payment history
0.011	0.002	New credit
0.011	0.000	New credit
0.011	0.001	New credit
0.010	0.002	New credit
0.010	0.001	New credit
0.010	0.000	Payment history
0.010	0.000	Types of credit in use
0.010	0.001	New credit
0.010	0.000	Payment history
0.010	0.000	New credit
0.009	0.001	New credit
0.009	0.001	New credit
0.008	0.001	Amounts owed
0.008	0.001	Length of credit history
0.008	0.001	Types of credit in use
0.008	0.001	Types of credit in use
0.008	0.000	Payment history
0.007	0.002	New credit
0.007	0.001	Types of credit in use
0.007	0.000	Amounts owed
0.007	0.000	Payment history
0.007	0.001	New credit
0.007	0.000	New credit
0.007	0.007	Length of credit history
0.007	0.000	New credit
0.007	0.002	Types of credit in use
0.006	0.001	Payment history
0.006	0.001	Payment history
0.006	0.001	New credit
0.006	0.000	Payment history
0.006	0.000	Types of credit in use
0.006	0.002	Types of credit in use
0.006	0.000	New credit
0.006	0.000	Amounts owed
0.006	0.000	New credit
0.005	0.000	New credit
0.005	0.000	Amounts owed
0.005	0.000	Payment history
0.005	0.000	Payment history
0.005	0.001	New credit
0.005	0.000	New credit
0.005	0.000	Amounts owed
0.005	0.000	Amounts owed
0.005	0.000	New credit
0.005	0.000	Amounts owed
0.005	0.000	Amounts owed
0.005	0.002	New credit
0.005	0.000	Payment history
0.005	0.002	Payment history
0.004	0.002	Payment history
0.004	0.001	Amounts owed
0.004	0.001	New credit
0.004	0.000	Types of credit in use
0.004	0.000	Types of credit in use
0.004	0.000	Types of credit in use
0.004	0.000	Types of credit in use
0.004	0.000	Amounts owed
0.004	0.000	Types of credit in use
0.004	0.000	New credit
0.004	0.001	New credit
0.004	0.001	Length of credit history
0.004	0.000	New credit
0.003	0.000	Amounts owed
0.003	0.001	New credit
0.003	0.000	Amounts owed
0.003	0.000	Payment history
0.003	0.000	New credit
0.003	0.000	New credit
0.003	0.000	New credit
0.003	0.000	Amounts owed
0.003	0.000	Amounts owed
0.002	0.001	New credit
0.002	0.003	New credit
0.002	0.000	New credit
0.002	0.001	New credit
0.002	0.001	Types of credit in use
0.002	0.000	Amounts owed
0.002	0.001	New credit
0.002	0.000	Payment history
0.002	0.001	New credit
0.002	0.000	New credit
0.001	0.000	Types of credit in use
0.001	0.005	Types of credit in use
0.001	0.001	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.002	Payment history
0.000	0.004	New credit
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.001	Types of credit in use
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.000	New credit
0.000	0.001	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.001	Types of credit in use
0.000	0.000	Types of credit in use
0.000	0.000	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Racial or ethnic minority (SSA data)
Correlation with performance	Correlation with racial or ethnic minorities	Type of characteristic
0.440	0.062	Payment history
0.431	0.053	Payment history
0.418	0.055	Payment history
0.399	0.057	Payment history
0.369	0.042	Payment history
0.307	0.047	Amounts owed
0.299	0.032	Payment history
0.295	0.027	Payment history
0.288	0.031	Payment history
0.267	0.032	Payment history
0.261	0.023	Payment history
0.261	0.019	Payment history
0.261	0.043	Amounts owed
0.260	0.038	Amounts owed
0.253	0.031	Payment history
0.249	0.043	Amounts owed
0.249	0.040	Amounts owed
0.244	0.017	Payment history
0.234	0.020	Payment history
0.224	0.014	Payment history
0.213	0.017	Payment history
0.207	0.028	Amounts owed
0.206	0.019	Payment history
0.198	0.023	Payment history
0.196	0.011	Payment history
0.190	0.015	Payment history
0.187	0.048	Amounts owed
0.185	0.017	Payment history
0.183	0.062	Length of credit history
0.179	0.059	New credit
0.178	0.038	Types of credit in use
0.169	0.030	Amounts owed
0.168	0.009	Payment history
0.162	0.014	Payment history
0.161	0.012	Payment history
0.160	0.011	Payment history
0.149	0.009	Payment history
0.140	0.029	Amounts owed
0.138	0.006	Payment history
0.135	0.011	Payment history
0.134	0.033	New credit
0.132	0.009	Payment history
0.129	0.015	Payment history
0.128	0.022	Amounts owed
0.127	0.021	Amounts owed
0.125	0.005	Payment history
0.122	0.014	Payment history
0.116	0.007	Payment history
0.112	0.026	Amounts owed
0.111	0.009	Payment history
0.107	0.053	Length of credit history
0.105	0.027	Payment history
0.105	0.014	Amounts owed
0.104	0.007	Payment history
0.104	0.052	Length of credit history
0.102	0.026	New credit
0.102	0.026	New credit
0.102	0.026	New credit
0.101	0.025	New credit
0.101	0.025	New credit
0.095	0.017	Payment history
0.090	0.049	Length of credit history
0.088	0.017	Payment history
0.087	0.018	Payment history
0.087	0.018	Payment history
0.087	0.013	Payment history
0.086	0.018	Payment history
0.086	0.007	Payment history
0.086	0.019	Payment history
0.085	0.003	Payment history
0.085	0.019	Payment history
0.085	0.002	Payment history
0.085	0.018	Payment history
0.085	0.002	Payment history
0.083	0.015	Payment history
0.083	0.016	Types of credit in use
0.082	0.015	Payment history
0.082	0.002	Payment history
0.079	0.013	Types of credit in use
0.079	0.013	Types of credit in use
0.078	0.003	Payment history
0.078	0.013	Types of credit in use
0.078	0.004	Payment history
0.078	0.013	Types of credit in use
0.078	0.002	Payment history
0.077	0.013	Types of credit in use
0.076	0.002	Payment history
0.076	0.011	Amounts owed
0.076	0.011	Amounts owed
0.075	0.003	Payment history
0.074	0.011	New credit
0.072	0.023	Payment history
0.071	0.019	Amounts owed
0.069	0.032	Length of credit history
0.066	0.012	Types of credit in use
0.066	0.012	Types of credit in use
0.065	0.012	Types of credit in use
0.065	0.012	Types of credit in use
0.064	0.011	Types of credit in use
0.063	0.017	Amounts owed
0.062	0.007	Amounts owed
0.062	0.004	Payment history
0.062	0.011	Payment history
0.061	0.014	Types of credit in use
0.059	0.002	Payment history
0.059	0.002	Payment history
0.058	0.012	Types of credit in use
0.058	0.012	Types of credit in use
0.057	0.021	Payment history
0.056	0.004	Payment history
0.056	0.011	Types of credit in use
0.056	0.011	Types of credit in use
0.055	0.011	Types of credit in use
0.054	0.006	New credit
0.054	0.008	Payment history
0.054	0.011	Amounts owed
0.053	0.003	Payment history
0.051	0.003	Payment history
0.050	0.008	New credit
0.049	0.022	Length of credit history
0.049	0.020	Payment history
0.048	0.007	Payment history
0.048	0.002	Payment history
0.047	0.009	Amounts owed
0.045	0.002	Payment history
0.045	0.002	Payment history
0.045	0.002	Payment history
0.044	0.019	Payment history
0.043	0.005	Types of credit in use
0.042	0.005	Types of credit in use
0.042	0.005	Types of credit in use
0.041	0.005	Types of credit in use
0.041	0.005	Types of credit in use
0.041	0.002	Payment history
0.039	0.002	Payment history
0.038	0.005	Types of credit in use
0.038	0.004	Types of credit in use
0.038	0.004	Types of credit in use
0.037	0.004	Types of credit in use
0.037	0.015	Length of credit history
0.036	0.004	Types of credit in use
0.036	0.004	Types of credit in use
0.035	0.003	Payment history
0.035	0.007	Amounts owed
0.035	0.002	Payment history
0.035	0.005	New credit
0.034	0.002	Payment history
0.033	0.001	Payment history
0.033	0.014	New credit
0.032	0.002	Payment history
0.032	0.037	Length of credit history
0.031	0.003	Types of credit in use
0.030	0.001	Payment history
0.030	0.011	Types of credit in use
0.029	0.001	Payment history
0.029	0.005	New credit
0.029	0.001	Payment history
0.028	0.013	Types of credit in use
0.028	0.003	Types of credit in use
0.028	0.009	New credit
0.027	0.006	New credit
0.027	0.003	New credit
0.026	0.005	Payment history
0.025	0.001	Payment history
0.025	0.010	Types of credit in use
0.024	0.006	Amounts owed
0.023	0.005	New credit
0.023	0.006	Length of credit history
0.023	0.006	Amounts owed
0.023	0.003	New credit
0.022	0.001	Payment history
0.022	0.001	Amounts owed
0.022	0.007	New credit
0.021	0.001	Payment history
0.020	0.002	Types of credit in use
0.020	0.005	Types of credit in use
0.020	0.003	New credit
0.020	0.002	Amounts owed
0.020	0.008	Length of credit history
0.019	0.003	Length of credit history
0.019	0.003	Payment history
0.019	0.011	Types of credit in use
0.019	0.004	New credit
0.018	0.005	Amounts owed
0.018	0.002	Types of credit in use
0.018	0.003	Payment history
0.018	0.004	Types of credit in use
0.017	0.004	Amounts owed
0.016	0.002	Amounts owed
0.015	0.003	New credit
0.015	0.002	Amounts owed
0.015	0.002	Amounts owed
0.014	0.003	Amounts owed
0.014	0.002	Amounts owed
0.013	0.001	Amounts owed
0.013	0.003	New credit
0.012	0.001	New credit
0.012	0.010	Types of credit in use
0.012	0.000	New credit
0.012	0.001	Payment history
0.012	0.010	Types of credit in use
0.012	0.010	Payment history
0.011	0.000	New credit
0.011	0.002	New credit
0.011	0.000	New credit
0.010	0.000	New credit
0.010	0.000	New credit
0.010	0.000	Payment history
0.010	0.004	Types of credit in use
0.010	0.002	New credit
0.010	0.001	Payment history
0.010	0.002	New credit
0.009	0.000	New credit
0.009	0.000	New credit
0.008	0.002	Amounts owed
0.008	0.005	Length of credit history
0.008	0.000	Types of credit in use
0.008	0.000	Types of credit in use
0.008	0.001	Payment history
0.007	0.002	New credit
0.007	0.000	Types of credit in use
0.007	0.003	Amounts owed
0.007	0.000	Payment history
0.007	0.000	New credit
0.007	0.001	New credit
0.007	0.025	Length of credit history
0.007	0.001	New credit
0.007	0.000	Types of credit in use
0.006	0.003	Payment history
0.006	0.001	Payment history
0.006	0.000	New credit
0.006	0.000	Payment history
0.006	0.001	Types of credit in use
0.006	0.000	Types of credit in use
0.006	0.000	New credit
0.006	0.003	Amounts owed
0.006	0.000	New credit
0.005	0.002	New credit
0.005	0.003	Amounts owed
0.005	0.000	Payment history
0.005	0.000	Payment history
0.005	0.000	New credit
0.005	0.000	New credit
0.005	0.003	Amounts owed
0.005	0.000	Amounts owed
0.005	0.001	New credit
0.005	0.002	Amounts owed
0.005	0.001	Amounts owed
0.005	0.000	New credit
0.005	0.001	Payment history
0.005	0.000	Payment history
0.004	0.008	Payment history
0.004	0.001	Amounts owed
0.004	0.000	New credit
0.004	0.001	Types of credit in use
0.004	0.001	Types of credit in use
0.004	0.001	Types of credit in use
0.004	0.001	Types of credit in use
0.004	0.001	Amounts owed
0.004	0.001	Types of credit in use
0.004	0.000	New credit
0.004	0.000	New credit
0.004	0.002	Length of credit history
0.004	0.001	New credit
0.003	0.000	Amounts owed
0.003	0.000	New credit
0.003	0.001	Amounts owed
0.003	0.000	Payment history
0.003	0.001	New credit
0.003	0.000	New credit
0.003	0.001	New credit
0.003	0.001	Amounts owed
0.003	0.002	Amounts owed
0.002	0.004	New credit
0.002	0.000	New credit
0.002	0.000	New credit
0.002	0.003	New credit
0.002	0.002	Types of credit in use
0.002	0.003	Amounts owed
0.002	0.005	New credit
0.002	0.000	Payment history
0.002	0.000	New credit
0.002	0.002	New credit
0.001	0.001	Types of credit in use
0.001	0.018	Types of credit in use
0.001	0.000	New credit
0.001	0.001	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.001	Payment history
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.001	Amounts owed
0.000	0.000	Types of credit in use
0.000	0.001	Amounts owed
0.000	0.000	Payment history
0.000	0.000	New credit
0.000	0.001	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.000	Types of credit in use
0.000	0.000	Types of credit in use
0.000	0.000	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history

Return to figure

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Foreign-born
Correlation with performance	Correlation with foreign-born	Type of characteristic
0.440	0.001	Payment history
0.431	0.000	Payment history
0.418	0.000	Payment history
0.399	0.000	Payment history
0.369	0.000	Payment history
0.307	0.001	Amounts owed
0.299	0.001	Payment history
0.295	0.000	Payment history
0.288	0.000	Payment history
0.267	0.000	Payment history
0.261	0.000	Payment history
0.261	0.000	Payment history
0.261	0.001	Amounts owed
0.260	0.001	Amounts owed
0.253	0.000	Payment history
0.249	0.001	Amounts owed
0.249	0.001	Amounts owed
0.244	0.000	Payment history
0.234	0.000	Payment history
0.224	0.000	Payment history
0.213	0.000	Payment history
0.207	0.001	Amounts owed
0.206	0.000	Payment history
0.198	0.000	Payment history
0.196	0.000	Payment history
0.190	0.000	Payment history
0.187	0.000	Amounts owed
0.185	0.000	Payment history
0.183	0.005	Length of credit history
0.179	0.002	New credit
0.178	0.001	Types of credit in use
0.169	0.001	Amounts owed
0.168	0.000	Payment history
0.162	0.000	Payment history
0.161	0.000	Payment history
0.160	0.000	Payment history
0.149	0.000	Payment history
0.140	0.002	Amounts owed
0.138	0.001	Payment history
0.135	0.000	Payment history
0.134	0.005	New credit
0.132	0.000	Payment history
0.129	0.000	Payment history
0.128	0.001	Amounts owed
0.127	0.001	Amounts owed
0.125	0.001	Payment history
0.122	0.000	Payment history
0.116	0.000	Payment history
0.112	0.000	Amounts owed
0.111	0.000	Payment history
0.107	0.016	Length of credit history
0.105	0.000	Payment history
0.105	0.002	Amounts owed
0.104	0.000	Payment history
0.104	0.011	Length of credit history
0.102	0.000	New credit
0.102	0.000	New credit
0.102	0.000	New credit
0.101	0.000	New credit
0.101	0.000	New credit
0.095	0.001	Payment history
0.090	0.016	Length of credit history
0.088	0.002	Payment history
0.087	0.000	Payment history
0.087	0.000	Payment history
0.087	0.000	Payment history
0.086	0.000	Payment history
0.086	0.000	Payment history
0.086	0.000	Payment history
0.085	0.000	Payment history
0.085	0.000	Payment history
0.085	0.000	Payment history
0.085	0.000	Payment history
0.085	0.000	Payment history
0.083	0.002	Payment history
0.083	0.001	Types of credit in use
0.082	0.002	Payment history
0.082	0.000	Payment history
0.079	0.001	Types of credit in use
0.079	0.001	Types of credit in use
0.078	0.000	Payment history
0.078	0.001	Types of credit in use
0.078	0.000	Payment history
0.078	0.002	Types of credit in use
0.078	0.000	Payment history
0.077	0.001	Types of credit in use
0.076	0.000	Payment history
0.076	0.001	Amounts owed
0.076	0.001	Amounts owed
0.075	0.000	Payment history
0.074	0.003	New credit
0.072	0.000	Payment history
0.071	0.000	Amounts owed
0.069	0.011	Length of credit history
0.066	0.003	Types of credit in use
0.066	0.003	Types of credit in use
0.065	0.003	Types of credit in use
0.065	0.003	Types of credit in use
0.064	0.002	Types of credit in use
0.063	0.000	Amounts owed
0.062	0.000	Amounts owed
0.062	0.000	Payment history
0.062	0.000	Payment history
0.061	0.000	Types of credit in use
0.059	0.000	Payment history
0.059	0.000	Payment history
0.058	0.001	Types of credit in use
0.058	0.001	Types of credit in use
0.057	0.000	Payment history
0.056	0.000	Payment history
0.056	0.001	Types of credit in use
0.056	0.001	Types of credit in use
0.055	0.001	Types of credit in use
0.054	0.000	New credit
0.054	0.001	Payment history
0.054	0.000	Amounts owed
0.053	0.000	Payment history
0.051	0.000	Payment history
0.050	0.003	New credit
0.049	0.012	Length of credit history
0.049	0.000	Payment history
0.048	0.000	Payment history
0.048	0.000	Payment history
0.047	0.000	Amounts owed
0.045	0.000	Payment history
0.045	0.000	Payment history
0.045	0.000	Payment history
0.044	0.000	Payment history
0.043	0.001	Types of credit in use
0.042	0.001	Types of credit in use
0.042	0.001	Types of credit in use
0.041	0.001	Types of credit in use
0.041	0.001	Types of credit in use
0.041	0.000	Payment history
0.039	0.000	Payment history
0.038	0.000	Types of credit in use
0.038	0.001	Types of credit in use
0.038	0.001	Types of credit in use
0.037	0.001	Types of credit in use
0.037	0.002	Length of credit history
0.036	0.001	Types of credit in use
0.036	0.001	Types of credit in use
0.035	0.000	Payment history
0.035	0.001	Amounts owed
0.035	0.000	Payment history
0.035	0.002	New credit
0.034	0.000	Payment history
0.033	0.000	Payment history
0.033	0.001	New credit
0.032	0.000	Payment history
0.032	0.016	Length of credit history
0.031	0.000	Types of credit in use
0.030	0.000	Payment history
0.030	0.000	Types of credit in use
0.029	0.000	Payment history
0.029	0.002	New credit
0.029	0.000	Payment history
0.028	0.001	Types of credit in use
0.028	0.002	Types of credit in use
0.028	0.006	New credit
0.027	0.000	New credit
0.027	0.000	New credit
0.026	0.000	Payment history
0.025	0.000	Payment history
0.025	0.002	Types of credit in use
0.024	0.002	Amounts owed
0.023	0.000	New credit
0.023	0.000	Length of credit history
0.023	0.000	Amounts owed
0.023	0.000	New credit
0.022	0.000	Payment history
0.022	0.000	Amounts owed
0.022	0.005	New credit
0.021	0.000	Payment history
0.020	0.000	Types of credit in use
0.020	0.001	Types of credit in use
0.020	0.000	New credit
0.020	0.000	Amounts owed
0.020	0.003	Length of credit history
0.019	0.000	Length of credit history
0.019	0.000	Payment history
0.019	0.000	Types of credit in use
0.019	0.000	New credit
0.018	0.001	Amounts owed
0.018	0.000	Types of credit in use
0.018	0.000	Payment history
0.018	0.000	Types of credit in use
0.017	0.000	Amounts owed
0.016	0.002	Amounts owed
0.015	0.000	New credit
0.015	0.002	Amounts owed
0.015	0.000	Amounts owed
0.014	0.001	Amounts owed
0.014	0.002	Amounts owed
0.013	0.001	Amounts owed
0.013	0.000	New credit
0.012	0.002	New credit
0.012	0.000	Types of credit in use
0.012	0.002	New credit
0.012	0.000	Payment history
0.012	0.000	Payment history
0.012	0.000	Types of credit in use
0.011	0.003	New credit
0.011	0.000	New credit
0.011	0.003	New credit
0.010	0.003	New credit
0.010	0.002	New credit
0.010	0.000	Payment history
0.010	0.001	Types of credit in use
0.010	0.000	New credit
0.010	0.000	Payment history
0.010	0.000	New credit
0.009	0.001	New credit
0.009	0.002	New credit
0.008	0.000	Amounts owed
0.008	0.002	Length of credit history
0.008	0.001	Types of credit in use
0.008	0.001	Types of credit in use
0.008	0.000	Payment history
0.007	0.000	New credit
0.007	0.001	Types of credit in use
0.007	0.000	Amounts owed
0.007	0.000	Payment history
0.007	0.001	New credit
0.007	0.001	New credit
0.007	0.006	Length of credit history
0.007	0.000	New credit
0.007	0.001	Types of credit in use
0.006	0.001	Payment history
0.006	0.000	Payment history
0.006	0.001	New credit
0.006	0.000	Payment history
0.006	0.000	Types of credit in use
0.006	0.001	Types of credit in use
0.006	0.001	New credit
0.006	0.000	Amounts owed
0.006	0.001	New credit
0.005	0.000	New credit
0.005	0.000	Amounts owed
0.005	0.000	Payment history
0.005	0.000	Payment history
0.005	0.002	New credit
0.005	0.001	New credit
0.005	0.000	Amounts owed
0.005	0.000	Amounts owed
0.005	0.000	New credit
0.005	0.000	Amounts owed
0.005	0.000	Amounts owed
0.005	0.003	New credit
0.005	0.000	Payment history
0.005	0.000	Payment history
0.004	0.001	Payment history
0.004	0.000	Amounts owed
0.004	0.001	New credit
0.004	0.000	Types of credit in use
0.004	0.000	Types of credit in use
0.004	0.000	Types of credit in use
0.004	0.000	Types of credit in use
0.004	0.000	Amounts owed
0.004	0.000	Types of credit in use
0.004	0.001	New credit
0.004	0.001	New credit
0.004	0.001	Length of credit history
0.004	0.001	New credit
0.003	0.000	Amounts owed
0.003	0.002	New credit
0.003	0.000	Amounts owed
0.003	0.000	Payment history
0.003	0.000	New credit
0.003	0.001	New credit
0.003	0.000	New credit
0.003	0.000	Amounts owed
0.003	0.000	Amounts owed
0.002	0.001	New credit
0.002	0.004	New credit
0.002	0.003	New credit
0.002	0.001	New credit
0.002	0.001	Types of credit in use
0.002	0.000	Amounts owed
0.002	0.001	New credit
0.002	0.000	Payment history
0.002	0.000	New credit
0.002	0.000	New credit
0.001	0.000	Types of credit in use
0.001	0.005	Types of credit in use
0.001	0.002	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.001	Payment history
0.000	0.005	New credit
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.000	Types of credit in use
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.000	Types of credit in use
0.000	0.000	Types of credit in use
0.000	0.000	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Recent immigrant
Correlation with performance	Correlation with recent immigrant	Type of characteristic
0.440	0.001	Payment history
0.431	0.001	Payment history
0.418	0.001	Payment history
0.399	0.001	Payment history
0.369	0.001	Payment history
0.307	0.000	Amounts owed
0.299	0.001	Payment history
0.295	0.001	Payment history
0.288	0.000	Payment history
0.267	0.000	Payment history
0.261	0.000	Payment history
0.261	0.000	Payment history
0.261	0.000	Amounts owed
0.260	0.000	Amounts owed
0.253	0.000	Payment history
0.249	0.000	Amounts owed
0.249	0.000	Amounts owed
0.244	0.000	Payment history
0.234	0.000	Payment history
0.224	0.000	Payment history
0.213	0.000	Payment history
0.207	0.000	Amounts owed
0.206	0.000	Payment history
0.198	0.000	Payment history
0.196	0.000	Payment history
0.190	0.000	Payment history
0.187	0.002	Amounts owed
0.185	0.000	Payment history
0.183	0.007	Length of credit history
0.179	0.004	New credit
0.178	0.002	Types of credit in use
0.169	0.000	Amounts owed
0.168	0.000	Payment history
0.162	0.000	Payment history
0.161	0.001	Payment history
0.160	0.000	Payment history
0.149	0.000	Payment history
0.140	0.000	Amounts owed
0.138	0.001	Payment history
0.135	0.000	Payment history
0.134	0.003	New credit
0.132	0.000	Payment history
0.129	0.000	Payment history
0.128	0.000	Amounts owed
0.127	0.000	Amounts owed
0.125	0.001	Payment history
0.122	0.000	Payment history
0.116	0.000	Payment history
0.112	0.001	Amounts owed
0.111	0.000	Payment history
0.107	0.019	Length of credit history
0.105	0.002	Payment history
0.105	0.000	Amounts owed
0.104	0.001	Payment history
0.104	0.015	Length of credit history
0.102	0.002	New credit
0.102	0.001	New credit
0.102	0.001	New credit
0.101	0.001	New credit
0.101	0.001	New credit
0.095	0.000	Payment history
0.090	0.020	Length of credit history
0.088	0.000	Payment history
0.087	0.000	Payment history
0.087	0.001	Payment history
0.087	0.000	Payment history
0.086	0.001	Payment history
0.086	0.000	Payment history
0.086	0.002	Payment history
0.085	0.000	Payment history
0.085	0.002	Payment history
0.085	0.000	Payment history
0.085	0.001	Payment history
0.085	0.000	Payment history
0.083	0.000	Payment history
0.083	0.000	Types of credit in use
0.082	0.000	Payment history
0.082	0.000	Payment history
0.079	0.000	Types of credit in use
0.079	0.000	Types of credit in use
0.078	0.000	Payment history
0.078	0.000	Types of credit in use
0.078	0.000	Payment history
0.078	0.000	Types of credit in use
0.078	0.000	Payment history
0.077	0.000	Types of credit in use
0.076	0.000	Payment history
0.076	0.000	Amounts owed
0.076	0.000	Amounts owed
0.075	0.000	Payment history
0.074	0.002	New credit
0.072	0.003	Payment history
0.071	0.001	Amounts owed
0.069	0.015	Length of credit history
0.066	0.000	Types of credit in use
0.066	0.000	Types of credit in use
0.065	0.000	Types of credit in use
0.065	0.000	Types of credit in use
0.064	0.000	Types of credit in use
0.063	0.001	Amounts owed
0.062	0.000	Amounts owed
0.062	0.000	Payment history
0.062	0.000	Payment history
0.061	0.001	Types of credit in use
0.059	0.000	Payment history
0.059	0.000	Payment history
0.058	0.000	Types of credit in use
0.058	0.000	Types of credit in use
0.057	0.003	Payment history
0.056	0.000	Payment history
0.056	0.000	Types of credit in use
0.056	0.000	Types of credit in use
0.055	0.000	Types of credit in use
0.054	0.000	New credit
0.054	0.000	Payment history
0.054	0.001	Amounts owed
0.053	0.001	Payment history
0.051	0.000	Payment history
0.050	0.002	New credit
0.049	0.011	Length of credit history
0.049	0.003	Payment history
0.048	0.001	Payment history
0.048	0.000	Payment history
0.047	0.001	Amounts owed
0.045	0.000	Payment history
0.045	0.000	Payment history
0.045	0.001	Payment history
0.044	0.003	Payment history
0.043	0.000	Types of credit in use
0.042	0.000	Types of credit in use
0.042	0.000	Types of credit in use
0.041	0.000	Types of credit in use
0.041	0.000	Types of credit in use
0.041	0.000	Payment history
0.039	0.000	Payment history
0.038	0.000	Types of credit in use
0.038	0.000	Types of credit in use
0.038	0.000	Types of credit in use
0.037	0.000	Types of credit in use
0.037	0.006	Length of credit history
0.036	0.000	Types of credit in use
0.036	0.000	Types of credit in use
0.035	0.000	Payment history
0.035	0.000	Amounts owed
0.035	0.000	Payment history
0.035	0.001	New credit
0.034	0.000	Payment history
0.033	0.000	Payment history
0.033	0.003	New credit
0.032	0.000	Payment history
0.032	0.026	Length of credit history
0.031	0.000	Types of credit in use
0.030	0.000	Payment history
0.030	0.002	Types of credit in use
0.029	0.000	Payment history
0.029	0.001	New credit
0.029	0.001	Payment history
0.028	0.001	Types of credit in use
0.028	0.002	Types of credit in use
0.028	0.004	New credit
0.027	0.000	New credit
0.027	0.000	New credit
0.026	0.000	Payment history
0.025	0.000	Payment history
0.025	0.000	Types of credit in use
0.024	0.001	Amounts owed
0.023	0.000	New credit
0.023	0.000	Length of credit history
0.023	0.001	Amounts owed
0.023	0.000	New credit
0.022	0.000	Payment history
0.022	0.000	Amounts owed
0.022	0.003	New credit
0.021	0.000	Payment history
0.020	0.001	Types of credit in use
0.020	0.000	Types of credit in use
0.020	0.000	New credit
0.020	0.000	Amounts owed
0.020	0.006	Length of credit history
0.019	0.000	Length of credit history
0.019	0.000	Payment history
0.019	0.003	Types of credit in use
0.019	0.000	New credit
0.018	0.000	Amounts owed
0.018	0.000	Types of credit in use
0.018	0.000	Payment history
0.018	0.000	Types of credit in use
0.017	0.000	Amounts owed
0.016	0.000	Amounts owed
0.015	0.000	New credit
0.015	0.000	Amounts owed
0.015	0.000	Amounts owed
0.014	0.000	Amounts owed
0.014	0.000	Amounts owed
0.013	0.000	Amounts owed
0.013	0.000	New credit
0.012	0.003	New credit
0.012	0.003	Types of credit in use
0.012	0.002	New credit
0.012	0.000	Payment history
0.012	0.003	Payment history
0.012	0.003	Types of credit in use
0.011	0.002	New credit
0.011	0.000	New credit
0.011	0.003	New credit
0.010	0.003	New credit
0.010	0.001	New credit
0.010	0.000	Payment history
0.010	0.002	Types of credit in use
0.010	0.000	New credit
0.010	0.000	Payment history
0.010	0.000	New credit
0.009	0.000	New credit
0.009	0.002	New credit
0.008	0.001	Amounts owed
0.008	0.001	Length of credit history
0.008	0.001	Types of credit in use
0.008	0.001	Types of credit in use
0.008	0.000	Payment history
0.007	0.002	New credit
0.007	0.001	Types of credit in use
0.007	0.000	Amounts owed
0.007	0.000	Payment history
0.007	0.000	New credit
0.007	0.001	New credit
0.007	0.006	Length of credit history
0.007	0.000	New credit
0.007	0.001	Types of credit in use
0.006	0.001	Payment history
0.006	0.000	Payment history
0.006	0.001	New credit
0.006	0.000	Payment history
0.006	0.000	Types of credit in use
0.006	0.001	Types of credit in use
0.006	0.001	New credit
0.006	0.000	Amounts owed
0.006	0.001	New credit
0.005	0.000	New credit
0.005	0.000	Amounts owed
0.005	0.000	Payment history
0.005	0.000	Payment history
0.005	0.002	New credit
0.005	0.001	New credit
0.005	0.000	Amounts owed
0.005	0.000	Amounts owed
0.005	0.000	New credit
0.005	0.000	Amounts owed
0.005	0.000	Amounts owed
0.005	0.003	New credit
0.005	0.000	Payment history
0.005	0.001	Payment history
0.004	0.000	Payment history
0.004	0.000	Amounts owed
0.004	0.000	New credit
0.004	0.000	Types of credit in use
0.004	0.000	Types of credit in use
0.004	0.000	Types of credit in use
0.004	0.000	Types of credit in use
0.004	0.000	Amounts owed
0.004	0.000	Types of credit in use
0.004	0.001	New credit
0.004	0.001	New credit
0.004	0.001	Length of credit history
0.004	0.001	New credit
0.003	0.000	Amounts owed
0.003	0.002	New credit
0.003	0.000	Amounts owed
0.003	0.000	Payment history
0.003	0.000	New credit
0.003	0.001	New credit
0.003	0.000	New credit
0.003	0.000	Amounts owed
0.003	0.000	Amounts owed
0.002	0.000	New credit
0.002	0.004	New credit
0.002	0.001	New credit
0.002	0.000	New credit
0.002	0.001	Types of credit in use
0.002	0.000	Amounts owed
0.002	0.000	New credit
0.002	0.000	Payment history
0.002	0.000	New credit
0.002	0.000	New credit
0.001	0.000	Types of credit in use
0.001	0.003	Types of credit in use
0.001	0.002	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.001	Payment history
0.000	0.005	New credit
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.000	Types of credit in use
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.000	Types of credit in use
0.000	0.000	Types of credit in use
0.000	0.000	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Female
Correlation with performance	Correlation with female	Type of characteristic
0.440	0.000	Payment history
0.431	0.000	Payment history
0.418	0.000	Payment history
0.399	0.000	Payment history
0.369	0.000	Payment history
0.307	0.002	Amounts owed
0.299	0.000	Payment history
0.295	0.000	Payment history
0.288	0.000	Payment history
0.267	0.000	Payment history
0.261	0.000	Payment history
0.261	0.000	Payment history
0.261	0.001	Amounts owed
0.260	0.001	Amounts owed
0.253	0.000	Payment history
0.249	0.001	Amounts owed
0.249	0.001	Amounts owed
0.244	0.000	Payment history
0.234	0.000	Payment history
0.224	0.000	Payment history
0.213	0.000	Payment history
0.207	0.005	Amounts owed
0.206	0.000	Payment history
0.198	0.000	Payment history
0.196	0.000	Payment history
0.190	0.000	Payment history
0.187	0.000	Amounts owed
0.185	0.000	Payment history
0.183	0.000	Length of credit history
0.179	0.000	New credit
0.178	0.001	Types of credit in use
0.169	0.003	Amounts owed
0.168	0.000	Payment history
0.162	0.000	Payment history
0.161	0.000	Payment history
0.160	0.000	Payment history
0.149	0.000	Payment history
0.140	0.001	Amounts owed
0.138	0.000	Payment history
0.135	0.000	Payment history
0.134	0.000	New credit
0.132	0.000	Payment history
0.129	0.010	Payment history
0.128	0.031	Amounts owed
0.127	0.035	Amounts owed
0.125	0.000	Payment history
0.122	0.000	Payment history
0.116	0.000	Payment history
0.112	0.000	Amounts owed
0.111	0.000	Payment history
0.107	0.001	Length of credit history
0.105	0.000	Payment history
0.105	0.004	Amounts owed
0.104	0.001	Payment history
0.104	0.001	Length of credit history
0.102	0.000	New credit
0.102	0.000	New credit
0.102	0.000	New credit
0.101	0.000	New credit
0.101	0.000	New credit
0.095	0.012	Payment history
0.090	0.000	Length of credit history
0.088	0.000	Payment history
0.087	0.006	Payment history
0.087	0.006	Payment history
0.087	0.000	Payment history
0.086	0.007	Payment history
0.086	0.000	Payment history
0.086	0.007	Payment history
0.085	0.000	Payment history
0.085	0.007	Payment history
0.085	0.000	Payment history
0.085	0.007	Payment history
0.085	0.000	Payment history
0.083	0.000	Payment history
0.083	0.013	Types of credit in use
0.082	0.000	Payment history
0.082	0.000	Payment history
0.079	0.010	Types of credit in use
0.079	0.010	Types of credit in use
0.078	0.000	Payment history
0.078	0.009	Types of credit in use
0.078	0.000	Payment history
0.078	0.009	Types of credit in use
0.078	0.000	Payment history
0.077	0.008	Types of credit in use
0.076	0.000	Payment history
0.076	0.031	Amounts owed
0.076	0.026	Amounts owed
0.075	0.000	Payment history
0.074	0.002	New credit
0.072	0.000	Payment history
0.071	0.000	Amounts owed
0.069	0.000	Length of credit history
0.066	0.000	Types of credit in use
0.066	0.000	Types of credit in use
0.065	0.000	Types of credit in use
0.065	0.000	Types of credit in use
0.064	0.000	Types of credit in use
0.063	0.000	Amounts owed
0.062	0.001	Amounts owed
0.062	0.001	Payment history
0.062	0.000	Payment history
0.061	0.007	Types of credit in use
0.059	0.000	Payment history
0.059	0.000	Payment history
0.058	0.003	Types of credit in use
0.058	0.004	Types of credit in use
0.057	0.000	Payment history
0.056	0.000	Payment history
0.056	0.005	Types of credit in use
0.056	0.005	Types of credit in use
0.055	0.004	Types of credit in use
0.054	0.001	New credit
0.054	0.047	Payment history
0.054	0.010	Amounts owed
0.053	0.002	Payment history
0.051	0.000	Payment history
0.050	0.001	New credit
0.049	0.029	Length of credit history
0.049	0.000	Payment history
0.048	0.071	Payment history
0.048	0.000	Payment history
0.047	0.022	Amounts owed
0.045	0.000	Payment history
0.045	0.000	Payment history
0.045	0.000	Payment history
0.044	0.001	Payment history
0.043	0.047	Types of credit in use
0.042	0.046	Types of credit in use
0.042	0.045	Types of credit in use
0.041	0.045	Types of credit in use
0.041	0.045	Types of credit in use
0.041	0.000	Payment history
0.039	0.000	Payment history
0.038	0.001	Types of credit in use
0.038	0.066	Types of credit in use
0.038	0.064	Types of credit in use
0.037	0.061	Types of credit in use
0.037	0.001	Length of credit history
0.036	0.058	Types of credit in use
0.036	0.055	Types of credit in use
0.035	0.000	Payment history
0.035	0.002	Amounts owed
0.035	0.000	Payment history
0.035	0.002	New credit
0.034	0.000	Payment history
0.033	0.000	Payment history
0.033	0.001	New credit
0.032	0.000	Payment history
0.032	0.001	Length of credit history
0.031	0.001	Types of credit in use
0.030	0.000	Payment history
0.030	0.001	Types of credit in use
0.029	0.000	Payment history
0.029	0.002	New credit
0.029	0.000	Payment history
0.028	0.000	Types of credit in use
0.028	0.004	Types of credit in use
0.028	0.049	New credit
0.027	0.000	New credit
0.027	0.000	New credit
0.026	0.001	Payment history
0.025	0.000	Payment history
0.025	0.000	Types of credit in use
0.024	0.001	Amounts owed
0.023	0.000	New credit
0.023	0.001	Length of credit history
0.023	0.001	Amounts owed
0.023	0.000	New credit
0.022	0.000	Payment history
0.022	0.001	Amounts owed
0.022	0.059	New credit
0.021	0.000	Payment history
0.020	0.084	Types of credit in use
0.020	0.000	Types of credit in use
0.020	0.000	New credit
0.020	0.001	Amounts owed
0.020	0.003	Length of credit history
0.019	0.000	Length of credit history
0.019	0.002	Payment history
0.019	0.003	Types of credit in use
0.019	0.000	New credit
0.018	0.000	Amounts owed
0.018	0.003	Types of credit in use
0.018	0.002	Payment history
0.018	0.001	Types of credit in use
0.017	0.001	Amounts owed
0.016	0.001	Amounts owed
0.015	0.001	New credit
0.015	0.001	Amounts owed
0.015	0.001	Amounts owed
0.014	0.001	Amounts owed
0.014	0.001	Amounts owed
0.013	0.003	Amounts owed
0.013	0.001	New credit
0.012	0.005	New credit
0.012	0.001	Types of credit in use
0.012	0.033	New credit
0.012	0.000	Payment history
0.012	0.001	Payment history
0.012	0.001	Types of credit in use
0.011	0.041	New credit
0.011	0.000	New credit
0.011	0.018	New credit
0.010	0.024	New credit
0.010	0.026	New credit
0.010	0.000	Payment history
0.010	0.005	Types of credit in use
0.010	0.001	New credit
0.010	0.000	Payment history
0.010	0.000	New credit
0.009	0.002	New credit
0.009	0.014	New credit
0.008	0.001	Amounts owed
0.008	0.002	Length of credit history
0.008	0.001	Types of credit in use
0.008	0.001	Types of credit in use
0.008	0.000	Payment history
0.007	0.003	New credit
0.007	0.001	Types of credit in use
0.007	0.000	Amounts owed
0.007	0.002	Payment history
0.007	0.002	New credit
0.007	0.000	New credit
0.007	0.004	Length of credit history
0.007	0.000	New credit
0.007	0.002	Types of credit in use
0.006	0.001	Payment history
0.006	0.003	Payment history
0.006	0.011	New credit
0.006	0.000	Payment history
0.006	0.002	Types of credit in use
0.006	0.002	Types of credit in use
0.006	0.000	New credit
0.006	0.000	Amounts owed
0.006	0.001	New credit
0.005	0.000	New credit
0.005	0.000	Amounts owed
0.005	0.000	Payment history
0.005	0.000	Payment history
0.005	0.000	New credit
0.005	0.007	New credit
0.005	0.000	Amounts owed
0.005	0.001	Amounts owed
0.005	0.000	New credit
0.005	0.000	Amounts owed
0.005	0.002	Amounts owed
0.005	0.000	New credit
0.005	0.002	Payment history
0.005	0.001	Payment history
0.004	0.002	Payment history
0.004	0.000	Amounts owed
0.004	0.001	New credit
0.004	0.002	Types of credit in use
0.004	0.002	Types of credit in use
0.004	0.002	Types of credit in use
0.004	0.002	Types of credit in use
0.004	0.001	Amounts owed
0.004	0.002	Types of credit in use
0.004	0.008	New credit
0.004	0.000	New credit
0.004	0.003	Length of credit history
0.004	0.004	New credit
0.003	0.000	Amounts owed
0.003	0.000	New credit
0.003	0.005	Amounts owed
0.003	0.000	Payment history
0.003	0.001	New credit
0.003	0.005	New credit
0.003	0.000	New credit
0.003	0.004	Amounts owed
0.003	0.001	Amounts owed
0.002	0.002	New credit
0.002	0.000	New credit
0.002	0.001	New credit
0.002	0.001	New credit
0.002	0.001	Types of credit in use
0.002	0.001	Amounts owed
0.002	0.002	New credit
0.002	0.000	Payment history
0.002	0.001	New credit
0.002	0.001	New credit
0.001	0.000	Types of credit in use
0.001	0.007	Types of credit in use
0.001	0.001	New credit
0.001	0.001	New credit
0.001	0.001	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.002	Payment history
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.002	Amounts owed
0.000	0.004	Types of credit in use
0.000	0.001	Amounts owed
0.000	0.000	Payment history
0.000	0.000	New credit
0.000	0.033	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.024	Types of credit in use
0.000	0.000	Types of credit in use
0.000	0.000	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Rural
Correlation with performance	Correlation with rural	Type of characteristic
0.440	0.000	Payment history
0.431	0.000	Payment history
0.418	0.000	Payment history
0.399	0.000	Payment history
0.369	0.000	Payment history
0.307	0.002	Amounts owed
0.299	0.000	Payment history
0.295	0.000	Payment history
0.288	0.000	Payment history
0.267	0.000	Payment history
0.261	0.000	Payment history
0.261	0.000	Payment history
0.261	0.001	Amounts owed
0.260	0.000	Amounts owed
0.253	0.000	Payment history
0.249	0.001	Amounts owed
0.249	0.001	Amounts owed
0.244	0.000	Payment history
0.234	0.000	Payment history
0.224	0.000	Payment history
0.213	0.000	Payment history
0.207	0.001	Amounts owed
0.206	0.000	Payment history
0.198	0.000	Payment history
0.196	0.000	Payment history
0.190	0.000	Payment history
0.187	0.001	Amounts owed
0.185	0.000	Payment history
0.183	0.001	Length of credit history
0.179	0.001	New credit
0.178	0.002	Types of credit in use
0.169	0.002	Amounts owed
0.168	0.000	Payment history
0.162	0.000	Payment history
0.161	0.000	Payment history
0.160	0.000	Payment history
0.149	0.000	Payment history
0.140	0.001	Amounts owed
0.138	0.000	Payment history
0.135	0.000	Payment history
0.134	0.001	New credit
0.132	0.000	Payment history
0.129	0.000	Payment history
0.128	0.002	Amounts owed
0.127	0.002	Amounts owed
0.125	0.000	Payment history
0.122	0.000	Payment history
0.116	0.000	Payment history
0.112	0.001	Amounts owed
0.111	0.000	Payment history
0.107	0.002	Length of credit history
0.105	0.001	Payment history
0.105	0.003	Amounts owed
0.104	0.000	Payment history
0.104	0.001	Length of credit history
0.102	0.001	New credit
0.102	0.001	New credit
0.102	0.001	New credit
0.101	0.001	New credit
0.101	0.001	New credit
0.095	0.004	Payment history
0.090	0.001	Length of credit history
0.088	0.002	Payment history
0.087	0.003	Payment history
0.087	0.003	Payment history
0.087	0.000	Payment history
0.086	0.003	Payment history
0.086	0.000	Payment history
0.086	0.004	Payment history
0.085	0.000	Payment history
0.085	0.004	Payment history
0.085	0.000	Payment history
0.085	0.004	Payment history
0.085	0.000	Payment history
0.083	0.002	Payment history
0.083	0.004	Types of credit in use
0.082	0.001	Payment history
0.082	0.000	Payment history
0.079	0.004	Types of credit in use
0.079	0.004	Types of credit in use
0.078	0.000	Payment history
0.078	0.004	Types of credit in use
0.078	0.000	Payment history
0.078	0.004	Types of credit in use
0.078	0.000	Payment history
0.077	0.004	Types of credit in use
0.076	0.000	Payment history
0.076	0.002	Amounts owed
0.076	0.002	Amounts owed
0.075	0.000	Payment history
0.074	0.002	New credit
0.072	0.001	Payment history
0.071	0.003	Amounts owed
0.069	0.001	Length of credit history
0.066	0.001	Types of credit in use
0.066	0.001	Types of credit in use
0.065	0.001	Types of credit in use
0.065	0.001	Types of credit in use
0.064	0.001	Types of credit in use
0.063	0.002	Amounts owed
0.062	0.000	Amounts owed
0.062	0.000	Payment history
0.062	0.000	Payment history
0.061	0.004	Types of credit in use
0.059	0.000	Payment history
0.059	0.000	Payment history
0.058	0.003	Types of credit in use
0.058	0.003	Types of credit in use
0.057	0.001	Payment history
0.056	0.000	Payment history
0.056	0.003	Types of credit in use
0.056	0.003	Types of credit in use
0.055	0.003	Types of credit in use
0.054	0.000	New credit
0.054	0.004	Payment history
0.054	0.001	Amounts owed
0.053	0.000	Payment history
0.051	0.000	Payment history
0.050	0.002	New credit
0.049	0.003	Length of credit history
0.049	0.001	Payment history
0.048	0.005	Payment history
0.048	0.000	Payment history
0.047	0.002	Amounts owed
0.045	0.000	Payment history
0.045	0.000	Payment history
0.045	0.000	Payment history
0.044	0.001	Payment history
0.043	0.004	Types of credit in use
0.042	0.005	Types of credit in use
0.042	0.005	Types of credit in use
0.041	0.005	Types of credit in use
0.041	0.005	Types of credit in use
0.041	0.000	Payment history
0.039	0.000	Payment history
0.038	0.001	Types of credit in use
0.038	0.004	Types of credit in use
0.038	0.004	Types of credit in use
0.037	0.004	Types of credit in use
0.037	0.003	Length of credit history
0.036	0.004	Types of credit in use
0.036	0.004	Types of credit in use
0.035	0.000	Payment history
0.035	0.006	Amounts owed
0.035	0.000	Payment history
0.035	0.002	New credit
0.034	0.000	Payment history
0.033	0.000	Payment history
0.033	0.002	New credit
0.032	0.000	Payment history
0.032	0.000	Length of credit history
0.031	0.000	Types of credit in use
0.030	0.000	Payment history
0.030	0.004	Types of credit in use
0.029	0.000	Payment history
0.029	0.002	New credit
0.029	0.000	Payment history
0.028	0.003	Types of credit in use
0.028	0.002	Types of credit in use
0.028	0.003	New credit
0.027	0.001	New credit
0.027	0.001	New credit
0.026	0.002	Payment history
0.025	0.000	Payment history
0.025	0.003	Types of credit in use
0.024	0.007	Amounts owed
0.023	0.001	New credit
0.023	0.002	Length of credit history
0.023	0.003	Amounts owed
0.023	0.001	New credit
0.022	0.000	Payment history
0.022	0.001	Amounts owed
0.022	0.003	New credit
0.021	0.000	Payment history
0.020	0.007	Types of credit in use
0.020	0.002	Types of credit in use
0.020	0.001	New credit
0.020	0.000	Amounts owed
0.020	0.003	Length of credit history
0.019	0.000	Length of credit history
0.019	0.001	Payment history
0.019	0.004	Types of credit in use
0.019	0.001	New credit
0.018	0.002	Amounts owed
0.018	0.000	Types of credit in use
0.018	0.001	Payment history
0.018	0.002	Types of credit in use
0.017	0.002	Amounts owed
0.016	0.007	Amounts owed
0.015	0.001	New credit
0.015	0.006	Amounts owed
0.015	0.001	Amounts owed
0.014	0.006	Amounts owed
0.014	0.006	Amounts owed
0.013	0.001	Amounts owed
0.013	0.001	New credit
0.012	0.003	New credit
0.012	0.001	Types of credit in use
0.012	0.001	New credit
0.012	0.000	Payment history
0.012	0.001	Payment history
0.012	0.001	Types of credit in use
0.011	0.001	New credit
0.011	0.000	New credit
0.011	0.001	New credit
0.010	0.001	New credit
0.010	0.001	New credit
0.010	0.000	Payment history
0.010	0.002	Types of credit in use
0.010	0.001	New credit
0.010	0.000	Payment history
0.010	0.000	New credit
0.009	0.005	New credit
0.009	0.000	New credit
0.008	0.000	Amounts owed
0.008	0.001	Length of credit history
0.008	0.001	Types of credit in use
0.008	0.001	Types of credit in use
0.008	0.000	Payment history
0.007	0.000	New credit
0.007	0.001	Types of credit in use
0.007	0.000	Amounts owed
0.007	0.000	Payment history
0.007	0.004	New credit
0.007	0.000	New credit
0.007	0.008	Length of credit history
0.007	0.000	New credit
0.007	0.002	Types of credit in use
0.006	0.000	Payment history
0.006	0.000	Payment history
0.006	0.000	New credit
0.006	0.000	Payment history
0.006	0.001	Types of credit in use
0.006	0.002	Types of credit in use
0.006	0.000	New credit
0.006	0.001	Amounts owed
0.006	0.000	New credit
0.005	0.001	New credit
0.005	0.001	Amounts owed
0.005	0.000	Payment history
0.005	0.000	Payment history
0.005	0.000	New credit
0.005	0.000	New credit
0.005	0.001	Amounts owed
0.005	0.003	Amounts owed
0.005	0.000	New credit
0.005	0.001	Amounts owed
0.005	0.001	Amounts owed
0.005	0.001	New credit
0.005	0.001	Payment history
0.005	0.000	Payment history
0.004	0.006	Payment history
0.004	0.000	Amounts owed
0.004	0.004	New credit
0.004	0.001	Types of credit in use
0.004	0.001	Types of credit in use
0.004	0.001	Types of credit in use
0.004	0.001	Types of credit in use
0.004	0.001	Amounts owed
0.004	0.001	Types of credit in use
0.004	0.000	New credit
0.004	0.000	New credit
0.004	0.002	Length of credit history
0.004	0.002	New credit
0.003	0.002	Amounts owed
0.003	0.000	New credit
0.003	0.000	Amounts owed
0.003	0.000	Payment history
0.003	0.000	New credit
0.003	0.000	New credit
0.003	0.000	New credit
0.003	0.000	Amounts owed
0.003	0.000	Amounts owed
0.002	0.007	New credit
0.002	0.001	New credit
0.002	0.000	New credit
0.002	0.005	New credit
0.002	0.000	Types of credit in use
0.002	0.000	Amounts owed
0.002	0.008	New credit
0.002	0.000	Payment history
0.002	0.002	New credit
0.002	0.003	New credit
0.001	0.000	Types of credit in use
0.001	0.022	Types of credit in use
0.001	0.000	New credit
0.001	0.002	New credit
0.001	0.001	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.001	Payment history
0.000	0.001	New credit
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.001	Types of credit in use
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.000	New credit
0.000	0.001	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.001	Types of credit in use
0.000	0.000	Types of credit in use
0.000	0.001	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history

Return to figure

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Single male
Correlation with performance	Correlation with single male	Type of characteristic
0.440	0.034	Payment history
0.431	0.024	Payment history
0.418	0.025	Payment history
0.399	0.027	Payment history
0.369	0.016	Payment history
0.307	0.028	Amounts owed
0.299	0.018	Payment history
0.295	0.008	Payment history
0.288	0.013	Payment history
0.267	0.015	Payment history
0.261	0.010	Payment history
0.261	0.006	Payment history
0.261	0.026	Amounts owed
0.260	0.026	Amounts owed
0.253	0.015	Payment history
0.249	0.026	Amounts owed
0.249	0.025	Amounts owed
0.244	0.005	Payment history
0.234	0.008	Payment history
0.224	0.004	Payment history
0.213	0.007	Payment history
0.207	0.020	Amounts owed
0.206	0.009	Payment history
0.198	0.013	Payment history
0.196	0.003	Payment history
0.190	0.006	Payment history
0.187	0.036	Amounts owed
0.185	0.007	Payment history
0.183	0.047	Length of credit history
0.179	0.039	New credit
0.178	0.030	Types of credit in use
0.169	0.022	Amounts owed
0.168	0.002	Payment history
0.162	0.006	Payment history
0.161	0.001	Payment history
0.160	0.004	Payment history
0.149	0.003	Payment history
0.140	0.020	Amounts owed
0.138	0.000	Payment history
0.135	0.004	Payment history
0.134	0.021	New credit
0.132	0.004	Payment history
0.129	0.002	Payment history
0.128	0.014	Amounts owed
0.127	0.014	Amounts owed
0.125	0.000	Payment history
0.122	0.003	Payment history
0.116	0.001	Payment history
0.112	0.024	Amounts owed
0.111	0.004	Payment history
0.107	0.052	Length of credit history
0.105	0.027	Payment history
0.105	0.019	Amounts owed
0.104	0.004	Payment history
0.104	0.047	Length of credit history
0.102	0.026	New credit
0.102	0.026	New credit
0.102	0.026	New credit
0.101	0.025	New credit
0.101	0.025	New credit
0.095	0.026	Payment history
0.090	0.051	Length of credit history
0.088	0.017	Payment history
0.087	0.030	Payment history
0.087	0.030	Payment history
0.087	0.004	Payment history
0.086	0.030	Payment history
0.086	0.001	Payment history
0.086	0.033	Payment history
0.085	0.001	Payment history
0.085	0.032	Payment history
0.085	0.000	Payment history
0.085	0.031	Payment history
0.085	0.000	Payment history
0.083	0.014	Payment history
0.083	0.025	Types of credit in use
0.082	0.016	Payment history
0.082	0.000	Payment history
0.079	0.021	Types of credit in use
0.079	0.021	Types of credit in use
0.078	0.001	Payment history
0.078	0.021	Types of credit in use
0.078	0.001	Payment history
0.078	0.021	Types of credit in use
0.078	0.000	Payment history
0.077	0.021	Types of credit in use
0.076	0.000	Payment history
0.076	0.012	Amounts owed
0.076	0.013	Amounts owed
0.075	0.001	Payment history
0.074	0.003	New credit
0.072	0.034	Payment history
0.071	0.021	Amounts owed
0.069	0.022	Length of credit history
0.066	0.012	Types of credit in use
0.066	0.012	Types of credit in use
0.065	0.011	Types of credit in use
0.065	0.012	Types of credit in use
0.064	0.011	Types of credit in use
0.063	0.017	Amounts owed
0.062	0.004	Amounts owed
0.062	0.000	Payment history
0.062	0.003	Payment history
0.061	0.027	Types of credit in use
0.059	0.000	Payment history
0.059	0.000	Payment history
0.058	0.025	Types of credit in use
0.058	0.025	Types of credit in use
0.057	0.033	Payment history
0.056	0.002	Payment history
0.056	0.024	Types of credit in use
0.056	0.023	Types of credit in use
0.055	0.023	Types of credit in use
0.054	0.001	New credit
0.054	0.015	Payment history
0.054	0.017	Amounts owed
0.053	0.001	Payment history
0.051	0.001	Payment history
0.050	0.001	New credit
0.049	0.032	Length of credit history
0.049	0.033	Payment history
0.048	0.013	Payment history
0.048	0.001	Payment history
0.047	0.016	Amounts owed
0.045	0.001	Payment history
0.045	0.000	Payment history
0.045	0.001	Payment history
0.044	0.032	Payment history
0.043	0.012	Types of credit in use
0.042	0.012	Types of credit in use
0.042	0.012	Types of credit in use
0.041	0.012	Types of credit in use
0.041	0.012	Types of credit in use
0.041	0.001	Payment history
0.039	0.001	Payment history
0.038	0.000	Types of credit in use
0.038	0.011	Types of credit in use
0.038	0.011	Types of credit in use
0.037	0.011	Types of credit in use
0.037	0.047	Length of credit history
0.036	0.011	Types of credit in use
0.036	0.011	Types of credit in use
0.035	0.001	Payment history
0.035	0.017	Amounts owed
0.035	0.000	Payment history
0.035	0.001	New credit
0.034	0.000	Payment history
0.033	0.000	Payment history
0.033	0.040	New credit
0.032	0.000	Payment history
0.032	0.038	Length of credit history
0.031	0.001	Types of credit in use
0.030	0.000	Payment history
0.030	0.031	Types of credit in use
0.029	0.001	Payment history
0.029	0.001	New credit
0.029	0.000	Payment history
0.028	0.013	Types of credit in use
0.028	0.004	Types of credit in use
0.028	0.015	New credit
0.027	0.007	New credit
0.027	0.000	New credit
0.026	0.017	Payment history
0.025	0.001	Payment history
0.025	0.010	Types of credit in use
0.024	0.022	Amounts owed
0.023	0.006	New credit
0.023	0.022	Length of credit history
0.023	0.023	Amounts owed
0.023	0.000	New credit
0.022	0.000	Payment history
0.022	0.000	Amounts owed
0.022	0.013	New credit
0.021	0.000	Payment history
0.020	0.010	Types of credit in use
0.020	0.006	Types of credit in use
0.020	0.000	New credit
0.020	0.001	Amounts owed
0.020	0.028	Length of credit history
0.019	0.003	Length of credit history
0.019	0.015	Payment history
0.019	0.027	Types of credit in use
0.019	0.005	New credit
0.018	0.006	Amounts owed
0.018	0.003	Types of credit in use
0.018	0.013	Payment history
0.018	0.015	Types of credit in use
0.017	0.016	Amounts owed
0.016	0.008	Amounts owed
0.015	0.000	New credit
0.015	0.007	Amounts owed
0.015	0.010	Amounts owed
0.014	0.009	Amounts owed
0.014	0.006	Amounts owed
0.013	0.003	Amounts owed
0.013	0.000	New credit
0.012	0.004	New credit
0.012	0.025	Types of credit in use
0.012	0.000	New credit
0.012	0.000	Payment history
0.012	0.025	Payment history
0.012	0.025	Types of credit in use
0.011	0.000	New credit
0.011	0.003	New credit
0.011	0.000	New credit
0.010	0.000	New credit
0.010	0.000	New credit
0.010	0.000	Payment history
0.010	0.017	Types of credit in use
0.010	0.000	New credit
0.010	0.000	Payment history
0.010	0.000	New credit
0.009	0.001	New credit
0.009	0.000	New credit
0.008	0.005	Amounts owed
0.008	0.007	Length of credit history
0.008	0.001	Types of credit in use
0.008	0.001	Types of credit in use
0.008	0.000	Payment history
0.007	0.008	New credit
0.007	0.001	Types of credit in use
0.007	0.003	Amounts owed
0.007	0.000	Payment history
0.007	0.001	New credit
0.007	0.002	New credit
0.007	0.016	Length of credit history
0.007	0.002	New credit
0.007	0.003	Types of credit in use
0.006	0.006	Payment history
0.006	0.003	Payment history
0.006	0.000	New credit
0.006	0.000	Payment history
0.006	0.008	Types of credit in use
0.006	0.003	Types of credit in use
0.006	0.001	New credit
0.006	0.003	Amounts owed
0.006	0.002	New credit
0.005	0.000	New credit
0.005	0.003	Amounts owed
0.005	0.000	Payment history
0.005	0.000	Payment history
0.005	0.000	New credit
0.005	0.000	New credit
0.005	0.004	Amounts owed
0.005	0.003	Amounts owed
0.005	0.000	New credit
0.005	0.014	Amounts owed
0.005	0.001	Amounts owed
0.005	0.000	New credit
0.005	0.001	Payment history
0.005	0.006	Payment history
0.004	0.004	Payment history
0.004	0.003	Amounts owed
0.004	0.001	New credit
0.004	0.001	Types of credit in use
0.004	0.001	Types of credit in use
0.004	0.001	Types of credit in use
0.004	0.001	Types of credit in use
0.004	0.001	Amounts owed
0.004	0.001	Types of credit in use
0.004	0.000	New credit
0.004	0.000	New credit
0.004	0.001	Length of credit history
0.004	0.001	New credit
0.003	0.002	Amounts owed
0.003	0.002	New credit
0.003	0.001	Amounts owed
0.003	0.000	Payment history
0.003	0.001	New credit
0.003	0.000	New credit
0.003	0.000	New credit
0.003	0.001	Amounts owed
0.003	0.002	Amounts owed
0.002	0.002	New credit
0.002	0.000	New credit
0.002	0.002	New credit
0.002	0.002	New credit
0.002	0.006	Types of credit in use
0.002	0.005	Amounts owed
0.002	0.002	New credit
0.002	0.000	Payment history
0.002	0.000	New credit
0.002	0.001	New credit
0.001	0.003	Types of credit in use
0.001	0.008	Types of credit in use
0.001	0.002	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.003	Payment history
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.004	Amounts owed
0.000	0.011	Types of credit in use
0.000	0.003	Amounts owed
0.000	0.000	Payment history
0.000	0.000	New credit
0.000	0.003	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.004	Types of credit in use
0.000	0.000	Types of credit in use
0.000	0.002	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Married female
Correlation with performance	Correlation with married female	Type of characteristic
0.440	0.000	Payment history
0.431	0.000	Payment history
0.418	0.000	Payment history
0.399	0.000	Payment history
0.369	0.000	Payment history
0.307	0.002	Amounts owed
0.299	0.000	Payment history
0.295	0.000	Payment history
0.288	0.000	Payment history
0.267	0.000	Payment history
0.261	0.000	Payment history
0.261	0.000	Payment history
0.261	0.001	Amounts owed
0.260	0.001	Amounts owed
0.253	0.000	Payment history
0.249	0.001	Amounts owed
0.249	0.001	Amounts owed
0.244	0.000	Payment history
0.234	0.000	Payment history
0.224	0.000	Payment history
0.213	0.000	Payment history
0.207	0.006	Amounts owed
0.206	0.000	Payment history
0.198	0.000	Payment history
0.196	0.000	Payment history
0.190	0.000	Payment history
0.187	0.000	Amounts owed
0.185	0.000	Payment history
0.183	0.001	Length of credit history
0.179	0.000	New credit
0.178	0.002	Types of credit in use
0.169	0.003	Amounts owed
0.168	0.000	Payment history
0.162	0.000	Payment history
0.161	0.000	Payment history
0.160	0.000	Payment history
0.149	0.000	Payment history
0.140	0.001	Amounts owed
0.138	0.000	Payment history
0.135	0.000	Payment history
0.134	0.001	New credit
0.132	0.000	Payment history
0.129	0.008	Payment history
0.128	0.035	Amounts owed
0.127	0.039	Amounts owed
0.125	0.000	Payment history
0.122	0.000	Payment history
0.116	0.000	Payment history
0.112	0.000	Amounts owed
0.111	0.000	Payment history
0.107	0.002	Length of credit history
0.105	0.000	Payment history
0.105	0.003	Amounts owed
0.104	0.001	Payment history
0.104	0.002	Length of credit history
0.102	0.000	New credit
0.102	0.000	New credit
0.102	0.000	New credit
0.101	0.000	New credit
0.101	0.000	New credit
0.095	0.014	Payment history
0.090	0.001	Length of credit history
0.088	0.000	Payment history
0.087	0.007	Payment history
0.087	0.007	Payment history
0.087	0.000	Payment history
0.086	0.007	Payment history
0.086	0.000	Payment history
0.086	0.007	Payment history
0.085	0.000	Payment history
0.085	0.007	Payment history
0.085	0.000	Payment history
0.085	0.007	Payment history
0.085	0.000	Payment history
0.083	0.000	Payment history
0.083	0.015	Types of credit in use
0.082	0.000	Payment history
0.082	0.000	Payment history
0.079	0.012	Types of credit in use
0.079	0.012	Types of credit in use
0.078	0.000	Payment history
0.078	0.011	Types of credit in use
0.078	0.000	Payment history
0.078	0.011	Types of credit in use
0.078	0.000	Payment history
0.077	0.010	Types of credit in use
0.076	0.000	Payment history
0.076	0.036	Amounts owed
0.076	0.030	Amounts owed
0.075	0.000	Payment history
0.074	0.003	New credit
0.072	0.000	Payment history
0.071	0.000	Amounts owed
0.069	0.002	Length of credit history
0.066	0.000	Types of credit in use
0.066	0.000	Types of credit in use
0.065	0.000	Types of credit in use
0.065	0.000	Types of credit in use
0.064	0.000	Types of credit in use
0.063	0.000	Amounts owed
0.062	0.003	Amounts owed
0.062	0.001	Payment history
0.062	0.000	Payment history
0.061	0.008	Types of credit in use
0.059	0.000	Payment history
0.059	0.000	Payment history
0.058	0.004	Types of credit in use
0.058	0.004	Types of credit in use
0.057	0.000	Payment history
0.056	0.000	Payment history
0.056	0.005	Types of credit in use
0.056	0.005	Types of credit in use
0.055	0.004	Types of credit in use
0.054	0.001	New credit
0.054	0.056	Payment history
0.054	0.010	Amounts owed
0.053	0.001	Payment history
0.051	0.000	Payment history
0.050	0.001	New credit
0.049	0.031	Length of credit history
0.049	0.000	Payment history
0.048	0.086	Payment history
0.048	0.000	Payment history
0.047	0.025	Amounts owed
0.045	0.000	Payment history
0.045	0.000	Payment history
0.045	0.000	Payment history
0.044	0.000	Payment history
0.043	0.055	Types of credit in use
0.042	0.055	Types of credit in use
0.042	0.054	Types of credit in use
0.041	0.054	Types of credit in use
0.041	0.054	Types of credit in use
0.041	0.000	Payment history
0.039	0.000	Payment history
0.038	0.002	Types of credit in use
0.038	0.078	Types of credit in use
0.038	0.076	Types of credit in use
0.037	0.073	Types of credit in use
0.037	0.001	Length of credit history
0.036	0.069	Types of credit in use
0.036	0.066	Types of credit in use
0.035	0.000	Payment history
0.035	0.001	Amounts owed
0.035	0.000	Payment history
0.035	0.002	New credit
0.034	0.000	Payment history
0.033	0.000	Payment history
0.033	0.000	New credit
0.032	0.000	Payment history
0.032	0.002	Length of credit history
0.031	0.002	Types of credit in use
0.030	0.000	Payment history
0.030	0.001	Types of credit in use
0.029	0.000	Payment history
0.029	0.002	New credit
0.029	0.000	Payment history
0.028	0.000	Types of credit in use
0.028	0.008	Types of credit in use
0.028	0.062	New credit
0.027	0.000	New credit
0.027	0.001	New credit
0.026	0.001	Payment history
0.025	0.000	Payment history
0.025	0.000	Types of credit in use
0.024	0.001	Amounts owed
0.023	0.001	New credit
0.023	0.000	Length of credit history
0.023	0.001	Amounts owed
0.023	0.001	New credit
0.022	0.000	Payment history
0.022	0.000	Amounts owed
0.022	0.073	New credit
0.021	0.000	Payment history
0.020	0.097	Types of credit in use
0.020	0.000	Types of credit in use
0.020	0.001	New credit
0.020	0.001	Amounts owed
0.020	0.004	Length of credit history
0.019	0.000	Length of credit history
0.019	0.004	Payment history
0.019	0.002	Types of credit in use
0.019	0.000	New credit
0.018	0.000	Amounts owed
0.018	0.005	Types of credit in use
0.018	0.003	Payment history
0.018	0.001	Types of credit in use
0.017	0.001	Amounts owed
0.016	0.001	Amounts owed
0.015	0.002	New credit
0.015	0.001	Amounts owed
0.015	0.003	Amounts owed
0.014	0.001	Amounts owed
0.014	0.001	Amounts owed
0.013	0.005	Amounts owed
0.013	0.002	New credit
0.012	0.007	New credit
0.012	0.000	Types of credit in use
0.012	0.043	New credit
0.012	0.000	Payment history
0.012	0.000	Payment history
0.012	0.000	Types of credit in use
0.011	0.053	New credit
0.011	0.000	New credit
0.011	0.024	New credit
0.010	0.031	New credit
0.010	0.033	New credit
0.010	0.000	Payment history
0.010	0.007	Types of credit in use
0.010	0.001	New credit
0.010	0.000	Payment history
0.010	0.000	New credit
0.009	0.003	New credit
0.009	0.018	New credit
0.008	0.001	Amounts owed
0.008	0.005	Length of credit history
0.008	0.004	Types of credit in use
0.008	0.004	Types of credit in use
0.008	0.000	Payment history
0.007	0.004	New credit
0.007	0.004	Types of credit in use
0.007	0.000	Amounts owed
0.007	0.001	Payment history
0.007	0.003	New credit
0.007	0.000	New credit
0.007	0.006	Length of credit history
0.007	0.000	New credit
0.007	0.005	Types of credit in use
0.006	0.002	Payment history
0.006	0.005	Payment history
0.006	0.015	New credit
0.006	0.000	Payment history
0.006	0.002	Types of credit in use
0.006	0.005	Types of credit in use
0.006	0.000	New credit
0.006	0.000	Amounts owed
0.006	0.001	New credit
0.005	0.001	New credit
0.005	0.000	Amounts owed
0.005	0.000	Payment history
0.005	0.000	Payment history
0.005	0.000	New credit
0.005	0.009	New credit
0.005	0.000	Amounts owed
0.005	0.001	Amounts owed
0.005	0.000	New credit
0.005	0.000	Amounts owed
0.005	0.002	Amounts owed
0.005	0.000	New credit
0.005	0.002	Payment history
0.005	0.002	Payment history
0.004	0.003	Payment history
0.004	0.001	Amounts owed
0.004	0.002	New credit
0.004	0.002	Types of credit in use
0.004	0.002	Types of credit in use
0.004	0.002	Types of credit in use
0.004	0.002	Types of credit in use
0.004	0.001	Amounts owed
0.004	0.002	Types of credit in use
0.004	0.010	New credit
0.004	0.000	New credit
0.004	0.004	Length of credit history
0.004	0.004	New credit
0.003	0.000	Amounts owed
0.003	0.001	New credit
0.003	0.004	Amounts owed
0.003	0.000	Payment history
0.003	0.001	New credit
0.003	0.006	New credit
0.003	0.000	New credit
0.003	0.003	Amounts owed
0.003	0.001	Amounts owed
0.002	0.002	New credit
0.002	0.000	New credit
0.002	0.002	New credit
0.002	0.001	New credit
0.002	0.002	Types of credit in use
0.002	0.001	Amounts owed
0.002	0.002	New credit
0.002	0.000	Payment history
0.002	0.001	New credit
0.002	0.001	New credit
0.001	0.001	Types of credit in use
0.001	0.009	Types of credit in use
0.001	0.001	New credit
0.001	0.000	New credit
0.001	0.001	New credit
0.001	0.001	New credit
0.001	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.005	Payment history
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.002	Amounts owed
0.000	0.006	Types of credit in use
0.000	0.001	Amounts owed
0.000	0.000	Payment history
0.000	0.000	New credit
0.000	0.035	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.026	Types of credit in use
0.000	0.000	Types of credit in use
0.000	0.000	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Single female
Correlation with performance	Correlation with single female	Type of characteristic
0.440	0.032	Payment history
0.431	0.024	Payment history
0.418	0.025	Payment history
0.399	0.025	Payment history
0.369	0.016	Payment history
0.307	0.018	Amounts owed
0.299	0.019	Payment history
0.295	0.011	Payment history
0.288	0.017	Payment history
0.267	0.017	Payment history
0.261	0.012	Payment history
0.261	0.009	Payment history
0.261	0.025	Amounts owed
0.260	0.016	Amounts owed
0.253	0.017	Payment history
0.249	0.025	Amounts owed
0.249	0.023	Amounts owed
0.244	0.008	Payment history
0.234	0.011	Payment history
0.224	0.006	Payment history
0.213	0.010	Payment history
0.207	0.012	Amounts owed
0.206	0.011	Payment history
0.198	0.015	Payment history
0.196	0.005	Payment history
0.190	0.008	Payment history
0.187	0.038	Amounts owed
0.185	0.010	Payment history
0.183	0.046	Length of credit history
0.179	0.042	New credit
0.178	0.034	Types of credit in use
0.169	0.015	Amounts owed
0.168	0.003	Payment history
0.162	0.008	Payment history
0.161	0.002	Payment history
0.160	0.006	Payment history
0.149	0.004	Payment history
0.140	0.017	Amounts owed
0.138	0.000	Payment history
0.135	0.006	Payment history
0.134	0.016	New credit
0.132	0.004	Payment history
0.129	0.024	Payment history
0.128	0.008	Amounts owed
0.127	0.009	Amounts owed
0.125	0.000	Payment history
0.122	0.004	Payment history
0.116	0.002	Payment history
0.112	0.035	Amounts owed
0.111	0.004	Payment history
0.107	0.034	Length of credit history
0.105	0.035	Payment history
0.105	0.024	Amounts owed
0.104	0.002	Payment history
0.104	0.040	Length of credit history
0.102	0.035	New credit
0.102	0.035	New credit
0.102	0.035	New credit
0.101	0.034	New credit
0.101	0.034	New credit
0.095	0.003	Payment history
0.090	0.037	Length of credit history
0.088	0.018	Payment history
0.087	0.008	Payment history
0.087	0.008	Payment history
0.087	0.004	Payment history
0.086	0.008	Payment history
0.086	0.004	Payment history
0.086	0.008	Payment history
0.085	0.001	Payment history
0.085	0.007	Payment history
0.085	0.000	Payment history
0.085	0.008	Payment history
0.085	0.000	Payment history
0.083	0.016	Payment history
0.083	0.002	Types of credit in use
0.082	0.017	Payment history
0.082	0.000	Payment history
0.079	0.002	Types of credit in use
0.079	0.002	Types of credit in use
0.078	0.002	Payment history
0.078	0.003	Types of credit in use
0.078	0.002	Payment history
0.078	0.003	Types of credit in use
0.078	0.000	Payment history
0.077	0.003	Types of credit in use
0.076	0.000	Payment history
0.076	0.004	Amounts owed
0.076	0.002	Amounts owed
0.075	0.002	Payment history
0.074	0.000	New credit
0.072	0.024	Payment history
0.071	0.027	Amounts owed
0.069	0.021	Length of credit history
0.066	0.014	Types of credit in use
0.066	0.014	Types of credit in use
0.065	0.014	Types of credit in use
0.065	0.014	Types of credit in use
0.064	0.014	Types of credit in use
0.063	0.025	Amounts owed
0.062	0.004	Amounts owed
0.062	0.000	Payment history
0.062	0.003	Payment history
0.061	0.006	Types of credit in use
0.059	0.001	Payment history
0.059	0.000	Payment history
0.058	0.010	Types of credit in use
0.058	0.009	Types of credit in use
0.057	0.023	Payment history
0.056	0.002	Payment history
0.056	0.007	Types of credit in use
0.056	0.007	Types of credit in use
0.055	0.007	Types of credit in use
0.054	0.000	New credit
0.054	0.009	Payment history
0.054	0.001	Amounts owed
0.053	0.000	Payment history
0.051	0.002	Payment history
0.050	0.000	New credit
0.049	0.020	Length of credit history
0.049	0.022	Payment history
0.048	0.028	Payment history
0.048	0.002	Payment history
0.047	0.000	Amounts owed
0.045	0.002	Payment history
0.045	0.001	Payment history
0.045	0.002	Payment history
0.044	0.022	Payment history
0.043	0.011	Types of credit in use
0.042	0.011	Types of credit in use
0.042	0.011	Types of credit in use
0.041	0.011	Types of credit in use
0.041	0.011	Types of credit in use
0.041	0.002	Payment history
0.039	0.002	Payment history
0.038	0.002	Types of credit in use
0.038	0.027	Types of credit in use
0.038	0.025	Types of credit in use
0.037	0.023	Types of credit in use
0.037	0.062	Length of credit history
0.036	0.021	Types of credit in use
0.036	0.018	Types of credit in use
0.035	0.001	Payment history
0.035	0.031	Amounts owed
0.035	0.001	Payment history
0.035	0.000	New credit
0.034	0.000	Payment history
0.033	0.000	Payment history
0.033	0.058	New credit
0.032	0.001	Payment history
0.032	0.036	Length of credit history
0.031	0.003	Types of credit in use
0.030	0.000	Payment history
0.030	0.049	Types of credit in use
0.029	0.001	Payment history
0.029	0.000	New credit
0.029	0.000	Payment history
0.028	0.014	Types of credit in use
0.028	0.011	Types of credit in use
0.028	0.030	New credit
0.027	0.011	New credit
0.027	0.000	New credit
0.026	0.029	Payment history
0.025	0.001	Payment history
0.025	0.009	Types of credit in use
0.024	0.035	Amounts owed
0.023	0.010	New credit
0.023	0.034	Length of credit history
0.023	0.035	Amounts owed
0.023	0.000	New credit
0.022	0.000	Payment history
0.022	0.001	Amounts owed
0.022	0.038	New credit
0.021	0.000	Payment history
0.020	0.045	Types of credit in use
0.020	0.006	Types of credit in use
0.020	0.000	New credit
0.020	0.000	Amounts owed
0.020	0.043	Length of credit history
0.019	0.002	Length of credit history
0.019	0.020	Payment history
0.019	0.011	Types of credit in use
0.019	0.008	New credit
0.018	0.006	Amounts owed
0.018	0.007	Types of credit in use
0.018	0.022	Payment history
0.018	0.027	Types of credit in use
0.017	0.028	Amounts owed
0.016	0.017	Amounts owed
0.015	0.001	New credit
0.015	0.015	Amounts owed
0.015	0.013	Amounts owed
0.014	0.021	Amounts owed
0.014	0.015	Amounts owed
0.013	0.008	Amounts owed
0.013	0.001	New credit
0.012	0.014	New credit
0.012	0.016	Types of credit in use
0.012	0.026	New credit
0.012	0.000	Payment history
0.012	0.015	Payment history
0.012	0.015	Types of credit in use
0.011	0.034	New credit
0.011	0.005	New credit
0.011	0.012	New credit
0.010	0.017	New credit
0.010	0.021	New credit
0.010	0.000	Payment history
0.010	0.035	Types of credit in use
0.010	0.001	New credit
0.010	0.000	Payment history
0.010	0.000	New credit
0.009	0.003	New credit
0.009	0.010	New credit
0.008	0.006	Amounts owed
0.008	0.010	Length of credit history
0.008	0.002	Types of credit in use
0.008	0.002	Types of credit in use
0.008	0.000	Payment history
0.007	0.017	New credit
0.007	0.002	Types of credit in use
0.007	0.005	Amounts owed
0.007	0.001	Payment history
0.007	0.003	New credit
0.007	0.001	New credit
0.007	0.034	Length of credit history
0.007	0.003	New credit
0.007	0.005	Types of credit in use
0.006	0.008	Payment history
0.006	0.009	Payment history
0.006	0.009	New credit
0.006	0.000	Payment history
0.006	0.015	Types of credit in use
0.006	0.005	Types of credit in use
0.006	0.001	New credit
0.006	0.005	Amounts owed
0.006	0.001	New credit
0.005	0.001	New credit
0.005	0.005	Amounts owed
0.005	0.000	Payment history
0.005	0.000	Payment history
0.005	0.001	New credit
0.005	0.004	New credit
0.005	0.005	Amounts owed
0.005	0.006	Amounts owed
0.005	0.000	New credit
0.005	0.007	Amounts owed
0.005	0.001	Amounts owed
0.005	0.001	New credit
0.005	0.000	Payment history
0.005	0.009	Payment history
0.004	0.011	Payment history
0.004	0.003	Amounts owed
0.004	0.002	New credit
0.004	0.001	Types of credit in use
0.004	0.001	Types of credit in use
0.004	0.000	Types of credit in use
0.004	0.000	Types of credit in use
0.004	0.000	Amounts owed
0.004	0.000	Types of credit in use
0.004	0.007	New credit
0.004	0.000	New credit
0.004	0.002	Length of credit history
0.004	0.002	New credit
0.003	0.005	Amounts owed
0.003	0.001	New credit
0.003	0.001	Amounts owed
0.003	0.000	Payment history
0.003	0.002	New credit
0.003	0.003	New credit
0.003	0.000	New credit
0.003	0.001	Amounts owed
0.003	0.006	Amounts owed
0.002	0.007	New credit
0.002	0.000	New credit
0.002	0.000	New credit
0.002	0.005	New credit
0.002	0.008	Types of credit in use
0.002	0.011	Amounts owed
0.002	0.008	New credit
0.002	0.000	Payment history
0.002	0.002	New credit
0.002	0.003	New credit
0.001	0.003	Types of credit in use
0.001	0.026	Types of credit in use
0.001	0.000	New credit
0.001	0.002	New credit
0.001	0.001	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.007	Payment history
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.010	Amounts owed
0.000	0.021	Types of credit in use
0.000	0.007	Amounts owed
0.000	0.000	Payment history
0.000	0.000	New credit
0.000	0.020	Amounts owed
0.000	0.001	Amounts owed
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.010	Types of credit in use
0.000	0.000	Types of credit in use
0.000	0.004	Amounts owed
0.000	0.001	Amounts owed
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Age (SSA data)
Correlation with performance	Correlation with age	Type of characteristic
0.440	0.072	Payment history
0.431	0.051	Payment history
0.418	0.048	Payment history
0.399	0.055	Payment history
0.369	0.053	Payment history
0.307	0.105	Amounts owed
0.299	0.026	Payment history
0.295	0.025	Payment history
0.288	0.025	Payment history
0.267	0.023	Payment history
0.261	0.028	Payment history
0.261	0.021	Payment history
0.261	0.076	Amounts owed
0.260	0.141	Amounts owed
0.253	0.022	Payment history
0.249	0.071	Amounts owed
0.249	0.058	Amounts owed
0.244	0.019	Payment history
0.234	0.019	Payment history
0.224	0.016	Payment history
0.213	0.016	Payment history
0.207	0.116	Amounts owed
0.206	0.017	Payment history
0.198	0.015	Payment history
0.196	0.012	Payment history
0.190	0.013	Payment history
0.187	0.083	Amounts owed
0.185	0.014	Payment history
0.183	0.198	Length of credit history
0.179	0.156	New credit
0.178	0.044	Types of credit in use
0.169	0.043	Amounts owed
0.168	0.009	Payment history
0.162	0.012	Payment history
0.161	0.011	Payment history
0.160	0.010	Payment history
0.149	0.008	Payment history
0.140	0.023	Amounts owed
0.138	0.007	Payment history
0.135	0.009	Payment history
0.134	0.111	New credit
0.132	0.008	Payment history
0.129	0.014	Payment history
0.128	0.055	Amounts owed
0.127	0.061	Amounts owed
0.125	0.005	Payment history
0.122	0.011	Payment history
0.116	0.007	Payment history
0.112	0.036	Amounts owed
0.111	0.007	Payment history
0.107	0.396	Length of credit history
0.105	0.045	Payment history
0.105	0.021	Amounts owed
0.104	0.007	Payment history
0.104	0.281	Length of credit history
0.102	0.041	New credit
0.102	0.040	New credit
0.102	0.040	New credit
0.101	0.040	New credit
0.101	0.040	New credit
0.095	0.029	Payment history
0.090	0.437	Length of credit history
0.088	0.020	Payment history
0.087	0.014	Payment history
0.087	0.016	Payment history
0.087	0.009	Payment history
0.086	0.019	Payment history
0.086	0.007	Payment history
0.086	0.042	Payment history
0.085	0.004	Payment history
0.085	0.034	Payment history
0.085	0.005	Payment history
0.085	0.026	Payment history
0.085	0.006	Payment history
0.083	0.018	Payment history
0.083	0.028	Types of credit in use
0.082	0.017	Payment history
0.082	0.006	Payment history
0.079	0.023	Types of credit in use
0.079	0.023	Types of credit in use
0.078	0.005	Payment history
0.078	0.024	Types of credit in use
0.078	0.005	Payment history
0.078	0.025	Types of credit in use
0.078	0.006	Payment history
0.077	0.026	Types of credit in use
0.076	0.004	Payment history
0.076	0.040	Amounts owed
0.076	0.058	Amounts owed
0.075	0.005	Payment history
0.074	0.070	New credit
0.072	0.009	Payment history
0.071	0.026	Amounts owed
0.069	0.405	Length of credit history
0.066	0.012	Types of credit in use
0.066	0.012	Types of credit in use
0.065	0.012	Types of credit in use
0.065	0.012	Types of credit in use
0.064	0.012	Types of credit in use
0.063	0.021	Amounts owed
0.062	0.013	Amounts owed
0.062	0.006	Payment history
0.062	0.007	Payment history
0.061	0.009	Types of credit in use
0.059	0.003	Payment history
0.059	0.003	Payment history
0.058	0.008	Types of credit in use
0.058	0.007	Types of credit in use
0.057	0.007	Payment history
0.056	0.004	Payment history
0.056	0.005	Types of credit in use
0.056	0.005	Types of credit in use
0.055	0.005	Types of credit in use
0.054	0.028	New credit
0.054	0.061	Payment history
0.054	0.064	Amounts owed
0.053	0.001	Payment history
0.051	0.004	Payment history
0.050	0.121	New credit
0.049	0.230	Length of credit history
0.049	0.006	Payment history
0.048	0.028	Payment history
0.048	0.004	Payment history
0.047	0.055	Amounts owed
0.045	0.003	Payment history
0.045	0.002	Payment history
0.045	0.001	Payment history
0.044	0.006	Payment history
0.043	0.050	Types of credit in use
0.042	0.050	Types of credit in use
0.042	0.050	Types of credit in use
0.041	0.050	Types of credit in use
0.041	0.051	Types of credit in use
0.041	0.000	Payment history
0.039	0.002	Payment history
0.038	0.007	Types of credit in use
0.038	0.025	Types of credit in use
0.038	0.026	Types of credit in use
0.037	0.028	Types of credit in use
0.037	0.071	Length of credit history
0.036	0.030	Types of credit in use
0.036	0.035	Types of credit in use
0.035	0.003	Payment history
0.035	0.000	Amounts owed
0.035	0.002	Payment history
0.035	0.040	New credit
0.034	0.001	Payment history
0.033	0.001	Payment history
0.033	0.048	New credit
0.032	0.000	Payment history
0.032	0.343	Length of credit history
0.031	0.006	Types of credit in use
0.030	0.001	Payment history
0.030	0.003	Types of credit in use
0.029	0.001	Payment history
0.029	0.040	New credit
0.029	0.001	Payment history
0.028	0.010	Types of credit in use
0.028	0.003	Types of credit in use
0.028	0.085	New credit
0.027	0.000	New credit
0.027	0.008	New credit
0.026	0.000	Payment history
0.025	0.001	Payment history
0.025	0.010	Types of credit in use
0.024	0.002	Amounts owed
0.023	0.000	New credit
0.023	0.000	Length of credit history
0.023	0.009	Amounts owed
0.023	0.007	New credit
0.022	0.000	Payment history
0.022	0.006	Amounts owed
0.022	0.073	New credit
0.021	0.000	Payment history
0.020	0.017	Types of credit in use
0.020	0.003	Types of credit in use
0.020	0.006	New credit
0.020	0.001	Amounts owed
0.020	0.056	Length of credit history
0.019	0.002	Length of credit history
0.019	0.001	Payment history
0.019	0.004	Types of credit in use
0.019	0.000	New credit
0.018	0.002	Amounts owed
0.018	0.013	Types of credit in use
0.018	0.000	Payment history
0.018	0.000	Types of credit in use
0.017	0.000	Amounts owed
0.016	0.002	Amounts owed
0.015	0.010	New credit
0.015	0.000	Amounts owed
0.015	0.000	Amounts owed
0.014	0.002	Amounts owed
0.014	0.001	Amounts owed
0.013	0.076	Amounts owed
0.013	0.009	New credit
0.012	0.080	New credit
0.012	0.002	Types of credit in use
0.012	0.002	New credit
0.012	0.000	Payment history
0.012	0.002	Payment history
0.012	0.002	Types of credit in use
0.011	0.003	New credit
0.011	0.000	New credit
0.011	0.000	New credit
0.010	0.000	New credit
0.010	0.001	New credit
0.010	0.000	Payment history
0.010	0.000	Types of credit in use
0.010	0.007	New credit
0.010	0.000	Payment history
0.010	0.003	New credit
0.009	0.029	New credit
0.009	0.000	New credit
0.008	0.010	Amounts owed
0.008	0.030	Length of credit history
0.008	0.051	Types of credit in use
0.008	0.051	Types of credit in use
0.008	0.000	Payment history
0.007	0.048	New credit
0.007	0.050	Types of credit in use
0.007	0.001	Amounts owed
0.007	0.000	Payment history
0.007	0.023	New credit
0.007	0.013	New credit
0.007	0.022	Length of credit history
0.007	0.000	New credit
0.007	0.042	Types of credit in use
0.006	0.012	Payment history
0.006	0.011	Payment history
0.006	0.001	New credit
0.006	0.000	Payment history
0.006	0.002	Types of credit in use
0.006	0.041	Types of credit in use
0.006	0.006	New credit
0.006	0.001	Amounts owed
0.006	0.025	New credit
0.005	0.004	New credit
0.005	0.001	Amounts owed
0.005	0.000	Payment history
0.005	0.000	Payment history
0.005	0.005	New credit
0.005	0.000	New credit
0.005	0.001	Amounts owed
0.005	0.001	Amounts owed
0.005	0.002	New credit
0.005	0.003	Amounts owed
0.005	0.005	Amounts owed
0.005	0.009	New credit
0.005	0.006	Payment history
0.005	0.004	Payment history
0.004	0.004	Payment history
0.004	0.001	Amounts owed
0.004	0.019	New credit
0.004	0.005	Types of credit in use
0.004	0.005	Types of credit in use
0.004	0.005	Types of credit in use
0.004	0.005	Types of credit in use
0.004	0.005	Amounts owed
0.004	0.005	Types of credit in use
0.004	0.000	New credit
0.004	0.002	New credit
0.004	0.011	Length of credit history
0.004	0.010	New credit
0.003	0.001	Amounts owed
0.003	0.031	New credit
0.003	0.001	Amounts owed
0.003	0.000	Payment history
0.003	0.011	New credit
0.003	0.000	New credit
0.003	0.003	New credit
0.003	0.001	Amounts owed
0.003	0.000	Amounts owed
0.002	0.004	New credit
0.002	0.012	New credit
0.002	0.076	New credit
0.002	0.004	New credit
0.002	0.011	Types of credit in use
0.002	0.001	Amounts owed
0.002	0.005	New credit
0.002	0.000	Payment history
0.002	0.009	New credit
0.002	0.002	New credit
0.001	0.001	Types of credit in use
0.001	0.000	Types of credit in use
0.001	0.037	New credit
0.001	0.001	New credit
0.001	0.004	New credit
0.001	0.000	New credit
0.001	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.032	Payment history
0.000	0.015	New credit
0.000	0.000	New credit
0.000	0.004	Amounts owed
0.000	0.005	Types of credit in use
0.000	0.004	Amounts owed
0.000	0.000	Payment history
0.000	0.000	New credit
0.000	0.001	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	New credit
0.000	0.000	New credit
0.000	0.000	Amounts owed
0.000	0.005	Types of credit in use
0.000	0.000	Types of credit in use
0.000	0.001	Amounts owed
0.000	0.000	Amounts owed
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history
0.000	0.000	Payment history

Return to figure

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

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

Tables for Figures 11.

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics

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