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

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

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Tables for Figures 2.A-2.C

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

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

Figure 2.A. TransRisk Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile
Race or ethnicity (SSA data)
Percent

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

Figure 2.A. TransRisk Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile
Race or ethnicity (location-based distribution)
Percent

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

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

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

Figure 2.A. TransRisk Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile
Age (years)
Percent

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

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

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

Figure 2.A. TransRisk Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile
Income ratio of tract
Percent

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

Return to figure

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

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

Figure 2.B. VantageScore: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile
Race or ethnicity (SSA data)
Percent

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

Figure 2.B. VantageScore: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile
Race or ethnicity (location-based distribution)
Percent

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

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

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

Figure 2.B. VantageScore: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile
Age (years)
Percent

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

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

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

Figure 2.B. VantageScore: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile
Income ratio of tract
Percent

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

Return to figure

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

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

Figure 2.C. FRB Base Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile
Race or ethnicity (SSA data)
Percent

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

Figure 2.C. FRB Base Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile
Race or ethnicity (location-based distribution)
Percent

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

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

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

Figure 2.C. FRB Base Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile
Age (years)
Percent

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

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

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

Figure 2.C. FRB Base Score: Sample Population, Grouped by Demographic Characteristic and Distributed by Score
decile
Income ratio of tract
Percent

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

Return to figure

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