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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 6.A.-6.E.

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group

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

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group
Race or ethnicity (SSA data)
Percent bad

Score	Non- Hispanic white	Black	Hispanic	Asian
0	98.54	99.67	99.05	94.77
0.5	97.95	99.23	98.49	94.48
1	97.36	98.80	97.93	94.19
1.5	96.77	98.36	97.38	93.90
2	96.18	97.93	96.82	93.61
2.5	95.58	97.49	96.26	93.32
3	94.99	97.06	95.71	93.03
3.5	94.40	96.62	95.15	92.74
4	93.81	96.18	94.60	92.45
4.5	93.22	95.75	94.04	92.15
5	92.63	95.31	93.48	91.86
5.5	92.04	94.88	92.93	91.57
6	91.45	94.44	92.37	91.28
6.5	90.86	94.01	91.82	90.99
7	90.27	93.57	91.26	90.70
7.5	89.68	93.14	90.70	90.41
8	89.09	92.70	90.15	90.12
8.5	88.50	92.27	89.59	89.83
9	87.91	91.83	89.04	89.54
9.5	87.32	91.39	88.48	89.25
10	86.73	90.96	87.92	88.96
10.5	86.05	90.71	87.42	87.46
11	85.37	90.46	86.92	85.96
11.5	84.69	90.21	86.41	84.46
12	84.01	89.96	85.91	82.96
12.5	83.33	89.70	85.41	81.46
13	82.65	89.45	84.90	79.96
13.5	81.97	89.20	84.40	78.45
14	81.30	88.95	83.89	76.95
14.5	80.62	88.70	83.39	75.45
15	79.94	88.45	82.89	73.95
15.5	79.26	88.20	82.38	72.45
16	78.58	87.95	81.88	70.95
16.5	77.90	87.70	81.38	69.45
17	77.22	87.45	80.87	67.95
17.5	76.54	87.20	80.37	66.45
18	75.86	86.94	79.87	64.95
18.5	75.18	86.69	79.36	63.45
19	74.50	86.44	78.86	61.95
19.5	73.82	86.19	78.35	60.45
20	73.14	85.94	77.85	58.95
20.5	71.27	84.17	75.88	57.78
21	69.41	82.39	73.91	56.60
21.5	67.54	80.62	71.95	55.43
22	65.68	78.84	69.98	54.26
22.5	63.81	77.07	68.01	53.09
23	61.95	75.29	66.04	51.91
23.5	60.08	73.52	64.08	50.74
24	58.22	71.75	62.11	49.57
24.5	56.35	69.97	60.14	48.40
25	54.49	68.20	58.17	47.22
25.5	52.62	66.42	56.20	46.05
26	50.76	64.65	54.24	44.88
26.5	48.89	62.87	52.27	43.71
27	47.03	61.10	50.30	42.53
27.5	45.16	59.33	48.33	41.36
28	43.30	57.55	46.36	40.19
28.5	41.43	55.78	44.40	39.02
29	39.57	54.00	42.43	37.84
29.5	37.70	52.23	40.46	36.67
30	35.84	50.45	38.49	35.50
30.5	34.91	49.37	37.74	34.37
31	33.99	48.29	36.99	33.24
31.5	33.07	47.21	36.24	32.11
32	32.15	46.12	35.49	30.98
32.5	31.23	45.04	34.74	29.85
33	30.31	43.96	33.99	28.72
33.5	29.39	42.88	33.24	27.59
34	28.47	41.80	32.49	26.46
34.5	27.55	40.71	31.74	25.33
35	26.63	39.63	30.99	24.20
35.5	25.71	38.55	30.24	23.08
36	24.79	37.47	29.49	21.95
36.5	23.86	36.38	28.74	20.82
37	22.94	35.30	27.99	19.69
37.5	22.02	34.22	27.24	18.56
38	21.10	33.14	26.49	17.43
38.5	20.18	32.06	25.74	16.30
39	19.26	30.97	24.99	15.17
39.5	18.34	29.89	24.24	14.04
40	17.42	28.81	23.49	12.91
40.5	16.96	28.11	22.99	12.73
41	16.51	27.40	22.48	12.54
41.5	16.05	26.70	21.97	12.36
42	15.59	25.99	21.46	12.17
42.5	15.14	25.29	20.95	11.99
43	14.68	24.59	20.44	11.80
43.5	14.23	23.88	19.93	11.62
44	13.77	23.18	19.42	11.44
44.5	13.31	22.47	18.91	11.25
45	12.86	21.77	18.40	11.07
45.5	12.40	21.07	17.89	10.88
46	11.94	20.36	17.38	10.70
46.5	11.49	19.66	16.87	10.51
47	11.03	18.96	16.36	10.33
47.5	10.58	18.25	15.85	10.15
48	10.12	17.55	15.34	9.96
48.5	9.66	16.84	14.84	9.78
49	9.21	16.14	14.33	9.59
49.5	8.75	15.44	13.82	9.41
50	8.30	14.73	13.31	9.22
50.5	8.11	14.60	13.09	8.94
51	7.93	14.46	12.86	8.66
51.5	7.75	14.33	12.64	8.38
52	7.57	14.19	12.42	8.10
52.5	7.39	14.06	12.20	7.82
53	7.21	13.92	11.98	7.54
53.5	7.03	13.79	11.76	7.26
54	6.85	13.65	11.54	6.98
54.5	6.66	13.52	11.32	6.70
55	6.48	13.38	11.09	6.42
55.5	6.30	13.24	10.87	6.14
56	6.12	13.11	10.65	5.86
56.5	5.94	12.97	10.43	5.58
57	5.76	12.84	10.21	5.30
57.5	5.58	12.70	9.99	5.02
58	5.40	12.57	9.77	4.74
58.5	5.22	12.43	9.55	4.46
59	5.03	12.30	9.32	4.18
59.5	4.85	12.16	9.10	3.90
60	4.67	12.03	8.88	3.62
60.5	4.58	11.81	8.75	3.69
61	4.49	11.59	8.62	3.75
61.5	4.39	11.38	8.50	3.81
62	4.30	11.16	8.37	3.87
62.5	4.21	10.94	8.24	3.93
63	4.12	10.72	8.11	3.99
63.5	4.03	10.51	7.98	4.05
64	3.93	10.29	7.85	4.11
64.5	3.84	10.07	7.72	4.17
65	3.75	9.85	7.59	4.23
65.5	3.66	9.64	7.46	4.30
66	3.56	9.42	7.33	4.36
66.5	3.47	9.20	7.20	4.42
67	3.38	8.99	7.08	4.48
67.5	3.29	8.77	6.95	4.54
68	3.20	8.55	6.82	4.60
68.5	3.10	8.33	6.69	4.66
69	3.01	8.12	6.56	4.72
69.5	2.92	7.90	6.43	4.78
70	2.83	7.68	6.30	4.84
70.5	2.77	7.51	6.15	4.71
71	2.71	7.34	5.99	4.58
71.5	2.66	7.16	5.84	4.45
72	2.60	6.99	5.69	4.32
73	2.49	6.64	5.38	4.05
73.5	2.43	6.47	5.22	3.92
74	2.37	6.30	5.07	3.79
74.5	2.32	6.12	4.92	3.66
75	2.26	5.95	4.76	3.52
75.5	2.21	5.78	4.61	3.39
76	2.15	5.60	4.46	3.26
76.5	2.09	5.43	4.30	3.13
77	2.04	5.26	4.15	3.00
78	1.92	4.91	3.84	2.73
78.5	1.87	4.74	3.69	2.60
79	1.81	4.57	3.53	2.47
79.5	1.75	4.39	3.38	2.34
80	1.70	4.22	3.22	2.20
80.5	1.69	4.27	3.16	2.15
81	1.68	4.32	3.10	2.09
81.5	1.66	4.37	3.04	2.03
82	1.65	4.42	2.97	1.98
82.5	1.64	4.47	2.91	1.92
83	1.63	4.52	2.85	1.86
83.5	1.62	4.57	2.79	1.80
84	1.61	4.62	2.72	1.75
84.5	1.60	4.67	2.66	1.69
85	1.58	4.72	2.60	1.63
85.5	1.57	4.77	2.53	1.58
86	1.56	4.82	2.47	1.52
86.5	1.55	4.87	2.41	1.46
87	1.54	4.92	2.35	1.41
87.5	1.53	4.97	2.28	1.35
88	1.52	5.02	2.22	1.29
88.5	1.50	5.07	2.16	1.23
89	1.49	5.13	2.10	1.18
89.5	1.48	5.18	2.03	1.12
90	1.47	5.23	1.97	1.06
90.5	1.44	5.01	1.92	1.05
91	1.41	4.80	1.86	1.04
91.5	1.38	4.59	1.81	1.02
92	1.35	4.37	1.75	1.01
93	1.30	3.95	1.64	0.98
93.5	1.27	3.73	1.58	0.97
94	1.24	3.52	1.53	0.95
94.5	1.21	3.31	1.47	0.94
95	1.18	3.10	1.42	0.93
95.5	1.15	2.88	1.36	0.91
96	1.13	2.67	1.31	0.90
96.5	1.10	2.46	1.25	0.88
97	1.07	2.24	1.20	0.87
97.5	1.04	2.03	1.14	0.86
98	1.01	1.82	1.09	0.84
98.5	0.98	1.60	1.03	0.83
99	0.95	1.39	0.98	0.82
99.5	0.93	1.18	0.92	0.80
100	0.90	0.96	0.87	0.79

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group
Race or ethnicity (location-based distribution)
Percent bad

Score	Non- Hispanic white	Black	Hispanic	Asian
0	98.73	99.18	99.01	98.86
0.5	98.17	98.76	98.47	98.28
1	97.61	98.33	97.93	97.70
1.5	97.06	97.90	97.39	97.13
2	96.50	97.47	96.85	96.55
2.5	95.95	97.05	96.32	95.97
3	95.39	96.62	95.78	95.40
3.5	94.84	96.19	95.24	94.82
4	94.28	95.77	94.70	94.25
4.5	93.73	95.34	94.17	93.67
5	93.17	94.91	93.63	93.09
5.5	92.61	94.48	93.09	92.52
6	92.06	94.06	92.55	91.94
6.5	91.50	93.63	92.01	91.37
7	90.95	93.20	91.48	90.79
7.5	90.39	92.78	90.94	90.21
8	89.84	92.35	90.40	89.64
8.5	89.28	91.92	89.86	89.06
9	88.72	91.49	89.32	88.49
9.5	88.17	91.07	88.79	87.91
10	87.61	90.64	88.25	87.33
10.5	86.98	90.30	87.73	86.49
11	86.35	89.95	87.20	85.64
11.5	85.72	89.61	86.68	84.80
12	85.09	89.26	86.16	83.95
12.5	84.46	88.92	85.63	83.10
13	83.83	88.57	85.11	82.26
13.5	83.20	88.23	84.59	81.41
14	82.57	87.88	84.06	80.57
14.5	81.94	87.54	83.54	79.72
15	81.31	87.19	83.02	78.87
15.5	80.68	86.85	82.49	78.03
16	80.05	86.50	81.97	77.18
16.5	79.42	86.16	81.45	76.34
17	78.79	85.81	80.93	75.49
17.5	78.16	85.47	80.40	74.64
18	77.53	85.12	79.88	73.80
18.5	76.90	84.78	79.36	72.95
19	76.26	84.43	78.83	72.11
19.5	75.63	84.09	78.31	71.26
20	75.00	83.74	77.79	70.41
20.5	73.09	81.85	75.80	68.61
21	71.18	79.96	73.81	66.81
21.5	69.27	78.07	71.83	65.01
22	67.36	76.18	69.84	63.21
22.5	65.46	74.29	67.85	61.41
23	63.55	72.40	65.86	59.61
23.5	61.64	70.51	63.88	57.81
24	59.73	68.62	61.89	56.01
24.5	57.82	66.72	59.90	54.21
25	55.91	64.83	57.92	52.40
25.5	54.00	62.94	55.93	50.60
26	52.09	61.05	53.94	48.80
26.5	50.18	59.16	51.96	47.00
27	48.27	57.27	49.97	45.20
27.5	46.36	55.38	47.98	43.40
28	44.45	53.49	45.99	41.60
28.5	42.54	51.60	44.01	39.80
29	40.63	49.71	42.02	38.00
29.5	38.72	47.82	40.03	36.20
30	36.81	45.93	38.05	34.39
30.5	35.89	44.85	37.29	33.51
31	34.98	43.77	36.54	32.63
31.5	34.06	42.69	35.79	31.75
32	33.14	41.61	35.04	30.86
32.5	32.23	40.53	34.28	29.98
33	31.31	39.45	33.53	29.10
33.5	30.40	38.37	32.78	28.22
34	29.48	37.29	32.02	27.33
34.5	28.57	36.21	31.27	26.45
35	27.65	35.13	30.52	25.57
35.5	26.73	34.05	29.77	24.69
36	25.82	32.97	29.01	23.80
36.5	24.90	31.89	28.26	22.92
37	23.99	30.81	27.51	22.04
37.5	23.07	29.74	26.76	21.16
38	22.15	28.66	26.00	20.27
38.5	21.24	27.58	25.25	19.39
39	20.32	26.50	24.50	18.51
39.5	19.41	25.42	23.75	17.63
40	18.49	24.34	22.99	16.74
40.5	17.98	23.75	22.43	16.33
41	17.47	23.15	21.87	15.91
41.5	16.96	22.56	21.31	15.49
42	16.45	21.97	20.75	15.08
42.5	15.94	21.37	20.18	14.66
43	15.43	20.78	19.62	14.24
43.5	14.92	20.19	19.06	13.82
44	14.41	19.59	18.50	13.41
44.5	13.90	19.00	17.94	12.99
45	13.39	18.41	17.38	12.57
45.5	12.88	17.82	16.81	12.16
46	12.37	17.22	16.25	11.74
46.5	11.86	16.63	15.69	11.32
47	11.35	16.04	15.13	10.91
47.5	10.84	15.44	14.57	10.49
48	10.33	14.85	14.01	10.07
48.5	9.82	14.26	13.44	9.66
49	9.31	13.67	12.88	9.24
49.5	8.80	13.07	12.32	8.82
50	8.29	12.48	11.76	8.41
50.5	8.14	12.27	11.55	8.24
51	7.98	12.07	11.35	8.07
51.5	7.83	11.86	11.14	7.90
52	7.67	11.66	10.93	7.73
52.5	7.52	11.45	10.73	7.56
53	7.36	11.25	10.52	7.39
53.5	7.21	11.04	10.31	7.22
54	7.05	10.84	10.11	7.05
54.5	6.90	10.63	9.90	6.88
55	6.74	10.43	9.69	6.71
55.5	6.59	10.22	9.49	6.54
56	6.43	10.02	9.28	6.37
56.5	6.28	9.81	9.07	6.20
57	6.12	9.61	8.87	6.03
57.5	5.97	9.40	8.66	5.86
58	5.81	9.20	8.45	5.68
58.5	5.66	8.99	8.25	5.51
59	5.50	8.79	8.04	5.34
59.5	5.35	8.58	7.83	5.17
60	5.20	8.38	7.63	5.00
60.5	5.08	8.19	7.46	4.93
61	4.97	8.00	7.29	4.86
61.5	4.85	7.81	7.12	4.79
62	4.74	7.62	6.95	4.71
62.5	4.63	7.43	6.78	4.64
63	4.51	7.24	6.61	4.57
63.5	4.40	7.05	6.44	4.50
64	4.29	6.86	6.27	4.42
64.5	4.17	6.67	6.10	4.35
65	4.06	6.48	5.93	4.28
65.5	3.94	6.29	5.77	4.21
66	3.83	6.10	5.60	4.13
66.5	3.72	5.91	5.43	4.06
67	3.60	5.72	5.26	3.99
67.5	3.49	5.53	5.09	3.92
68	3.38	5.34	4.92	3.84
68.5	3.26	5.15	4.75	3.77
69	3.15	4.96	4.58	3.70
69.5	3.03	4.77	4.41	3.63
70	2.92	4.58	4.24	3.55
70.5	2.86	4.50	4.19	3.49
71	2.80	4.42	4.14	3.43
71.5	2.74	4.34	4.08	3.37
72	2.68	4.26	4.03	3.31
73	2.57	4.10	3.92	3.18
73.5	2.51	4.02	3.87	3.12
74	2.45	3.94	3.81	3.06
74.5	2.39	3.86	3.76	2.99
75	2.33	3.78	3.70	2.93
75.5	2.27	3.70	3.65	2.87
76	2.21	3.62	3.60	2.81
76.5	2.15	3.54	3.54	2.75
77	2.09	3.46	3.49	2.68
78	1.97	3.30	3.38	2.56
78.5	1.91	3.23	3.33	2.50
79	1.85	3.15	3.27	2.43
79.5	1.80	3.07	3.22	2.37
80	1.74	2.99	3.17	2.31
80.5	1.73	2.97	3.09	2.28
81	1.71	2.95	3.02	2.25
81.5	1.70	2.94	2.94	2.22
82	1.69	2.92	2.87	2.19
82.5	1.68	2.90	2.80	2.16
83	1.67	2.89	2.72	2.13
83.5	1.66	2.87	2.65	2.10
84	1.64	2.85	2.57	2.07
84.5	1.63	2.84	2.50	2.04
85	1.62	2.82	2.43	2.01
85.5	1.61	2.80	2.35	1.97
86	1.60	2.79	2.28	1.94
86.5	1.59	2.77	2.20	1.91
87	1.58	2.75	2.13	1.88
87.5	1.56	2.74	2.06	1.85
88	1.55	2.72	1.98	1.82
88.5	1.54	2.70	1.91	1.79
89	1.53	2.69	1.83	1.76
89.5	1.52	2.67	1.76	1.73
90	1.51	2.65	1.69	1.70
90.5	1.48	2.59	1.66	1.65
91	1.45	2.53	1.64	1.61
91.5	1.42	2.47	1.61	1.56
92	1.39	2.42	1.59	1.52
93	1.33	2.30	1.54	1.42
93.5	1.30	2.24	1.52	1.38
94	1.27	2.18	1.49	1.33
94.5	1.24	2.12	1.47	1.29
95	1.21	2.06	1.44	1.24
95.5	1.18	2.00	1.42	1.19
96	1.15	1.94	1.39	1.15
96.5	1.12	1.88	1.37	1.10
97	1.09	1.82	1.35	1.06
97.5	1.06	1.76	1.32	1.01
98	1.03	1.70	1.30	0.96
98.5	1.00	1.64	1.27	0.92
99	0.97	1.58	1.25	0.87
99.5	0.94	1.52	1.22	0.83
100	0.91	1.46	1.20	0.78

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group
Sex
Percent bad

Score	Male	Female
0	99.61	98.40
0.5	99.02	97.90
1	98.42	97.40
1.5	97.82	96.90
2	97.23	96.40
2.5	96.63	95.90
3	96.03	95.40
3.5	95.44	94.90
4	94.84	94.40
4.5	94.25	93.90
5	93.65	93.40
5.5	93.05	92.90
6	92.46	92.40
6.5	91.86	91.90
7	91.26	91.40
7.5	90.67	90.90
8	90.07	90.40
8.5	89.47	89.89
9	88.88	89.39
9.5	88.28	88.89
10	87.69	88.39
10.5	87.08	87.82
11	86.47	87.25
11.5	85.87	86.68
12	85.26	86.11
12.5	84.66	85.54
13	84.05	84.96
13.5	83.44	84.39
14	82.84	83.82
14.5	82.23	83.25
15	81.63	82.68
15.5	81.02	82.11
16	80.41	81.54
16.5	79.81	80.96
17	79.20	80.39
17.5	78.60	79.82
18	77.99	79.25
18.5	77.38	78.68
19	76.78	78.11
19.5	76.17	77.53
20	75.57	76.96
20.5	73.64	75.05
21	71.72	73.13
21.5	69.80	71.22
22	67.88	69.31
22.5	65.96	67.39
23	64.04	65.48
23.5	62.11	63.56
24	60.19	61.65
24.5	58.27	59.74
25	56.35	57.82
25.5	54.43	55.91
26	52.50	53.99
26.5	50.58	52.08
27	48.66	50.17
27.5	46.74	48.25
28	44.82	46.34
28.5	42.89	44.42
29	40.97	42.51
29.5	39.05	40.59
30	37.13	38.68
30.5	36.21	37.71
31	35.29	36.74
31.5	34.38	35.77
32	33.46	34.80
32.5	32.54	33.83
33	31.62	32.87
33.5	30.71	31.90
34	29.79	30.93
34.5	28.87	29.96
35	27.95	28.99
35.5	27.04	28.02
36	26.12	27.05
36.5	25.20	26.08
37	24.28	25.11
37.5	23.36	24.14
38	22.45	23.17
38.5	21.53	22.20
39	20.61	21.23
39.5	19.69	20.26
40	18.78	19.30
40.5	18.28	18.79
41	17.79	18.28
41.5	17.30	17.77
42	16.80	17.26
42.5	16.31	16.76
43	15.82	16.25
43.5	15.32	15.74
44	14.83	15.23
44.5	14.34	14.73
45	13.84	14.22
45.5	13.35	13.71
46	12.86	13.20
46.5	12.37	12.70
47	11.87	12.19
47.5	11.38	11.68
48	10.89	11.17
48.5	10.39	10.67
49	9.90	10.16
49.5	9.41	9.65
50	8.91	9.14
50.5	8.72	8.97
51	8.54	8.79
51.5	8.35	8.61
52	8.16	8.43
52.5	7.97	8.26
53	7.79	8.08
53.5	7.60	7.90
54	7.41	7.73
54.5	7.22	7.55
55	7.04	7.37
55.5	6.85	7.19
56	6.66	7.02
56.5	6.47	6.84
57	6.29	6.66
57.5	6.10	6.49
58	5.91	6.31
58.5	5.72	6.13
59	5.54	5.95
59.5	5.35	5.78
60	5.16	5.60
60.5	5.09	5.46
61	5.02	5.33
61.5	4.95	5.20
62	4.88	5.06
62.5	4.80	4.93
63	4.73	4.79
63.5	4.66	4.66
64	4.59	4.52
64.5	4.52	4.39
65	4.45	4.25
65.5	4.38	4.12
66	4.30	3.98
66.5	4.23	3.85
67	4.16	3.71
67.5	4.09	3.58
68	4.02	3.44
68.5	3.95	3.31
69	3.88	3.17
69.5	3.80	3.04
70	3.73	2.90
70.5	3.63	2.86
71	3.53	2.81
71.5	3.44	2.77
72	3.34	2.72
73	3.14	2.63
73.5	3.04	2.58
74	2.94	2.54
74.5	2.84	2.49
75	2.74	2.45
75.5	2.64	2.40
76	2.54	2.35
76.5	2.44	2.31
77	2.35	2.26
78	2.15	2.17
78.5	2.05	2.13
79	1.95	2.08
79.5	1.85	2.03
80	1.75	1.99
80.5	1.75	1.96
81	1.75	1.94
81.5	1.75	1.91
82	1.75	1.89
82.5	1.75	1.86
83	1.75	1.84
83.5	1.75	1.81
84	1.75	1.79
84.5	1.75	1.76
85	1.75	1.74
85.5	1.75	1.71
86	1.75	1.69
86.5	1.75	1.66
87	1.75	1.64
87.5	1.75	1.61
88	1.75	1.59
88.5	1.75	1.56
89	1.75	1.54
89.5	1.75	1.51
90	1.75	1.49
90.5	1.71	1.45
91	1.67	1.42
91.5	1.63	1.39
92	1.59	1.36
93	1.51	1.29
93.5	1.47	1.26
94	1.43	1.23
94.5	1.39	1.20
95	1.35	1.16
95.5	1.31	1.13
96	1.27	1.10
96.5	1.23	1.07
97	1.19	1.03
97.5	1.15	1.00
98	1.11	0.97
98.5	1.07	0.94
99	1.03	0.91
99.5	0.99	0.87
100	0.95	0.84

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group
Age (years)
Percent bad

Score	Younger than 30	30-39	40-49	50-61	62 or older
0	99.95	99.35	98.46	97.37	95.88
0.5	99.35	98.83	97.97	96.89	95.41
1	98.76	98.30	97.47	96.42	94.94
1.5	98.16	97.78	96.98	95.94	94.46
2	97.57	97.25	96.48	95.47	93.99
2.5	96.97	96.72	95.99	94.99	93.51
3	96.38	96.20	95.49	94.52	93.04
3.5	95.78	95.67	95.00	94.04	92.56
4	95.19	95.15	94.50	93.57	92.09
4.5	94.60	94.62	94.01	93.09	91.62
5	94.00	94.09	93.51	92.61	91.14
5.5	93.41	93.57	93.01	92.14	90.67
6	92.81	93.04	92.52	91.66	90.19
6.5	92.22	92.52	92.02	91.19	89.72
7	91.62	91.99	91.53	90.71	89.25
7.5	91.03	91.46	91.03	90.24	88.77
8	90.44	90.94	90.54	89.76	88.30
8.5	89.84	90.41	90.04	89.29	87.82
9	89.25	89.89	89.55	88.81	87.35
9.5	88.65	89.36	89.05	88.34	86.87
10	88.06	88.83	88.56	87.86	86.40
10.5	87.93	88.18	87.83	87.02	85.35
11	87.79	87.52	87.10	86.17	84.31
11.5	87.66	86.86	86.37	85.33	83.26
12	87.53	86.21	85.64	84.49	82.21
12.5	87.40	85.55	84.91	83.64	81.17
13	87.26	84.89	84.19	82.80	80.12
13.5	87.13	84.24	83.46	81.95	79.07
14	87.00	83.58	82.73	81.11	78.03
14.5	86.87	82.93	82.00	80.26	76.98
15	86.73	82.27	81.27	79.42	75.94
15.5	86.60	81.61	80.54	78.58	74.89
16	86.47	80.96	79.82	77.73	73.84
16.5	86.34	80.30	79.09	76.89	72.80
17	86.21	79.64	78.36	76.04	71.75
17.5	86.07	78.99	77.63	75.20	70.70
18	85.94	78.33	76.90	74.35	69.66
18.5	85.81	77.67	76.17	73.51	68.61
19	85.68	77.02	75.45	72.67	67.56
19.5	85.54	76.36	74.72	71.82	66.52
20	85.41	75.70	73.99	70.98	65.47
20.5	83.03	73.79	72.25	69.31	64.05
21	80.65	71.88	70.52	67.65	62.64
21.5	78.27	69.96	68.79	65.99	61.22
22	75.88	68.05	67.05	64.33	59.81
22.5	73.50	66.13	65.32	62.66	58.39
23	71.12	64.22	63.58	61.00	56.98
23.5	68.74	62.30	61.85	59.34	55.56
24	66.36	60.39	60.12	57.68	54.15
24.5	63.97	58.47	58.38	56.01	52.73
25	61.59	56.56	56.65	54.35	51.32
25.5	59.21	54.64	54.91	52.69	49.90
26	56.83	52.73	53.18	51.03	48.49
26.5	54.45	50.82	51.45	49.37	47.07
27	52.06	48.90	49.71	47.70	45.66
27.5	49.68	46.99	47.98	46.04	44.24
28	47.30	45.07	46.24	44.38	42.83
28.5	44.92	43.16	44.51	42.72	41.41
29	42.54	41.24	42.78	41.05	40.00
29.5	40.15	39.33	41.04	39.39	38.58
30	37.77	37.41	39.31	37.73	37.17
30.5	36.92	36.44	38.24	36.77	36.32
31	36.06	35.47	37.17	35.81	35.48
31.5	35.21	34.50	36.11	34.85	34.63
32	34.35	33.54	35.04	33.88	33.78
32.5	33.50	32.57	33.98	32.92	32.93
33	32.64	31.60	32.91	31.96	32.09
33.5	31.79	30.63	31.84	31.00	31.24
34	30.93	29.66	30.78	30.04	30.39
34.5	30.08	28.69	29.71	29.08	29.55
35	29.22	27.72	28.64	28.12	28.70
35.5	28.36	26.75	27.58	27.16	27.85
36	27.51	25.78	26.51	26.19	27.00
36.5	26.65	24.81	25.44	25.23	26.16
37	25.80	23.84	24.38	24.27	25.31
37.5	24.94	22.87	23.31	23.31	24.46
38	24.09	21.90	22.24	22.35	23.62
38.5	23.23	20.93	21.18	21.39	22.77
39	22.38	19.96	20.11	20.43	21.92
39.5	21.52	18.99	19.04	19.47	21.07
40	20.67	18.02	17.98	18.51	20.23
40.5	20.13	17.54	17.53	18.03	19.65
41	19.60	17.05	17.08	17.56	19.07
41.5	19.06	16.56	16.63	17.09	18.50
42	18.53	16.07	16.19	16.62	17.92
42.5	17.99	15.58	15.74	16.15	17.34
43	17.46	15.09	15.29	15.68	16.76
43.5	16.92	14.60	14.84	15.21	16.19
44	16.39	14.11	14.40	14.74	15.61
44.5	15.85	13.62	13.95	14.27	15.03
45	15.32	13.13	13.50	13.79	14.46
45.5	14.78	12.65	13.05	13.32	13.88
46	14.25	12.16	12.60	12.85	13.30
46.5	13.72	11.67	12.16	12.38	12.72
47	13.18	11.18	11.71	11.91	12.15
47.5	12.65	10.69	11.26	11.44	11.57
48	12.11	10.20	10.81	10.97	10.99
48.5	11.58	9.71	10.37	10.50	10.42
49	11.04	9.22	9.92	10.03	9.84
49.5	10.51	8.73	9.47	9.56	9.26
50	9.97	8.24	9.02	9.08	8.68
50.5	9.74	8.11	8.82	8.87	8.58
51	9.50	7.98	8.61	8.67	8.47
51.5	9.27	7.85	8.40	8.46	8.36
52	9.03	7.72	8.20	8.25	8.25
52.5	8.80	7.59	7.99	8.04	8.14
53	8.56	7.46	7.79	7.83	8.03
53.5	8.33	7.33	7.58	7.62	7.92
54	8.09	7.19	7.37	7.41	7.81
54.5	7.86	7.06	7.17	7.20	7.70
55	7.62	6.93	6.96	6.99	7.60
55.5	7.39	6.80	6.76	6.78	7.49
56	7.15	6.67	6.55	6.57	7.38
56.5	6.92	6.54	6.34	6.36	7.27
57	6.68	6.41	6.14	6.15	7.16
57.5	6.45	6.27	5.93	5.94	7.05
58	6.21	6.14	5.72	5.74	6.94
58.5	5.97	6.01	5.52	5.53	6.83
59	5.74	5.88	5.31	5.32	6.72
59.5	5.50	5.75	5.11	5.11	6.62
60	5.27	5.62	4.90	4.90	6.51
60.5	5.16	5.53	4.78	4.82	6.37
61	5.05	5.44	4.66	4.74	6.23
61.5	4.94	5.34	4.54	4.66	6.09
62	4.83	5.25	4.42	4.58	5.95
62.5	4.72	5.16	4.30	4.50	5.81
63	4.62	5.07	4.18	4.42	5.68
63.5	4.51	4.98	4.06	4.35	5.54
64	4.40	4.89	3.94	4.27	5.40
64.5	4.29	4.79	3.82	4.19	5.26
65	4.18	4.70	3.70	4.11	5.12
65.5	4.07	4.61	3.58	4.03	4.98
66	3.96	4.52	3.46	3.95	4.84
66.5	3.85	4.43	3.34	3.87	4.70
67	3.74	4.34	3.22	3.79	4.57
67.5	3.63	4.24	3.10	3.72	4.43
68	3.53	4.15	2.98	3.64	4.29
68.5	3.42	4.06	2.86	3.56	4.15
69	3.31	3.97	2.74	3.48	4.01
69.5	3.20	3.88	2.62	3.40	3.87
70	3.09	3.79	2.50	3.32	3.73
70.5	3.08	3.68	2.46	3.24	3.65
71	3.06	3.58	2.42	3.15	3.57
71.5	3.04	3.48	2.39	3.07	3.48
72	3.03	3.38	2.35	2.99	3.40
73	3.00	3.18	2.28	2.82	3.24
73.5	2.98	3.08	2.24	2.74	3.15
74	2.97	2.98	2.21	2.65	3.07
74.5	2.95	2.88	2.17	2.57	2.99
75	2.94	2.78	2.13	2.48	2.90
75.5	2.92	2.67	2.10	2.40	2.82
76	2.91	2.57	2.06	2.32	2.74
76.5	2.89	2.47	2.03	2.23	2.65
77	2.88	2.37	1.99	2.15	2.57
78	2.85	2.17	1.92	1.98	2.41
78.5	2.83	2.07	1.88	1.90	2.32
79	2.82	1.97	1.85	1.81	2.24
79.5	2.80	1.87	1.81	1.73	2.16
80	2.79	1.76	1.77	1.65	2.07
80.5	2.65	1.75	1.76	1.64	2.06
81	2.52	1.73	1.75	1.63	2.05
81.5	2.38	1.71	1.74	1.62	2.03
82	2.25	1.69	1.73	1.61	2.02
82.5	2.11	1.67	1.71	1.61	2.01
83	1.97	1.65	1.70	1.60	1.99
83.5	1.84	1.63	1.69	1.59	1.98
84	1.70	1.61	1.68	1.58	1.97
84.5	1.57	1.60	1.67	1.57	1.95
85	1.43	1.58	1.65	1.56	1.94
85.5	1.29	1.56	1.64	1.56	1.93
86	1.16	1.54	1.63	1.55	1.91
86.5	1.02	1.52	1.62	1.54	1.90
87	0.89	1.50	1.61	1.53	1.89
87.5	0.75	1.48	1.59	1.52	1.87
88	0.62	1.46	1.58	1.51	1.86
88.5	0.48	1.45	1.57	1.51	1.85
89	0.34	1.43	1.56	1.50	1.83
89.5	0.21	1.41	1.55	1.49	1.82
90	0.07	1.39	1.54	1.48	1.81
90.5	0.07	1.33	1.47	1.44	1.78
91	0.06	1.27	1.40	1.39	1.75
91.5	0.05	1.20	1.34	1.34	1.73
92	0.05	1.14	1.27	1.30	1.70
93	0.03	1.02	1.14	1.20	1.64
93.5	0.03	0.96	1.07	1.16	1.62
94	0.02	0.90	1.00	1.11	1.59
94.5	0.01	0.83	0.94	1.07	1.56
95	0.01	0.77	0.87	1.02	1.54
95.5	0.00	0.71	0.81	0.97	1.51
96	0.00	0.65	0.74	0.93	1.48
96.5	0.00	0.59	0.67	0.88	1.46
97	0.00	0.52	0.61	0.83	1.43
97.5	0.00	0.46	0.54	0.79	1.40
98	0.00	0.40	0.47	0.74	1.37
98.5	0.00	0.34	0.41	0.70	1.35
99	0.00	0.28	0.34	0.65	1.32
99.5	0.00	0.22	0.28	0.60	1.29
100	0.00	0.15	0.21	0.56	1.27

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group
Marital status
Percent bad

Score	Married male	Single male	Married female	Single female
0	99.33	99.10	97.09	98.52
0.5	98.72	98.59	96.66	98.02
1	98.11	98.08	96.24	97.53
1.5	97.50	97.57	95.81	97.03
2	96.90	97.06	95.39	96.54
2.5	96.29	96.55	94.97	96.05
3	95.68	96.04	94.54	95.55
3.5	95.07	95.52	94.12	95.06
4	94.47	95.01	93.69	94.56
4.5	93.86	94.50	93.27	94.07
5	93.25	93.99	92.85	93.58
5.5	92.64	93.48	92.42	93.08
6	92.03	92.97	92.00	92.59
6.5	91.43	92.46	91.57	92.10
7	90.82	91.94	91.15	91.60
7.5	90.21	91.43	90.73	91.11
8	89.60	90.92	90.30	90.61
8.5	88.99	90.41	89.88	90.12
9	88.39	89.90	89.45	89.63
9.5	87.78	89.39	89.03	89.13
10	87.17	88.88	88.61	88.64
10.5	86.38	88.19	87.75	88.03
11	85.60	87.51	86.89	87.42
11.5	84.81	86.82	86.03	86.81
12	84.02	86.14	85.17	86.20
12.5	83.24	85.45	84.31	85.59
13	82.45	84.76	83.46	84.98
13.5	81.66	84.08	82.60	84.37
14	80.88	83.39	81.74	83.76
14.5	80.09	82.71	80.88	83.16
15	79.30	82.02	80.02	82.55
15.5	78.52	81.34	79.16	81.94
16	77.73	80.65	78.31	81.33
16.5	76.94	79.97	77.45	80.72
17	76.16	79.28	76.59	80.11
17.5	75.37	78.60	75.73	79.50
18	74.58	77.91	74.87	78.89
18.5	73.80	77.23	74.01	78.28
19	73.01	76.54	73.16	77.67
19.5	72.22	75.86	72.30	77.06
20	71.44	75.17	71.44	76.45
20.5	69.69	73.34	69.71	74.63
21	67.94	71.51	67.97	72.81
21.5	66.19	69.68	66.24	70.99
22	64.44	67.86	64.50	69.17
22.5	62.68	66.03	62.77	67.35
23	60.93	64.20	61.03	65.53
23.5	59.18	62.37	59.30	63.71
24	57.43	60.54	57.56	61.89
24.5	55.68	58.71	55.83	60.06
25	53.93	56.88	54.09	58.24
25.5	52.18	55.05	52.36	56.42
26	50.43	53.23	50.63	54.60
26.5	48.68	51.40	48.89	52.78
27	46.93	49.57	47.16	50.96
27.5	45.18	47.74	45.42	49.14
28	43.43	45.91	43.69	47.32
28.5	41.68	44.08	41.95	45.50
29	39.93	42.25	40.22	43.67
29.5	38.18	40.42	38.48	41.85
30	36.43	38.59	36.75	40.03
30.5	35.42	37.64	35.72	39.11
31	34.42	36.69	34.69	38.18
31.5	33.41	35.75	33.66	37.26
32	32.40	34.80	32.64	36.33
32.5	31.39	33.85	31.61	35.41
33	30.39	32.90	30.58	34.48
33.5	29.38	31.95	29.55	33.56
34	28.37	31.00	28.52	32.63
34.5	27.37	30.05	27.49	31.71
35	26.36	29.10	26.47	30.78
35.5	25.35	28.15	25.44	29.86
36	24.35	27.20	24.41	28.93
36.5	23.34	26.25	23.38	28.01
37	22.33	25.30	22.35	27.08
37.5	21.33	24.35	21.32	26.16
38	20.32	23.40	20.29	25.23
38.5	19.31	22.45	19.27	24.31
39	18.30	21.50	18.24	23.38
39.5	17.30	20.55	17.21	22.45
40	16.29	19.60	16.18	21.53
40.5	15.83	19.18	15.77	21.01
41	15.38	18.76	15.36	20.50
41.5	14.92	18.34	14.94	19.98
42	14.47	17.92	14.53	19.46
42.5	14.01	17.50	14.12	18.95
43	13.55	17.08	13.71	18.43
43.5	13.10	16.65	13.29	17.91
44	12.64	16.23	12.88	17.40
44.5	12.19	15.81	12.47	16.88
45	11.73	15.39	12.06	16.36
45.5	11.27	14.97	11.65	15.85
46	10.82	14.55	11.23	15.33
46.5	10.36	14.13	10.82	14.81
47	9.91	13.71	10.41	14.30
47.5	9.45	13.29	10.00	13.78
48	8.99	12.87	9.58	13.26
48.5	8.54	12.45	9.17	12.75
49	8.08	12.03	8.76	12.23
49.5	7.63	11.61	8.35	11.71
50	7.17	11.19	7.93	11.20
50.5	7.04	10.86	7.77	10.96
51	6.90	10.52	7.60	10.72
51.5	6.77	10.19	7.44	10.47
52	6.63	9.85	7.27	10.23
52.5	6.50	9.51	7.11	9.99
53	6.36	9.18	6.94	9.75
53.5	6.23	8.84	6.78	9.51
54	6.09	8.51	6.61	9.27
54.5	5.96	8.17	6.45	9.03
55	5.82	7.84	6.28	8.79
55.5	5.69	7.50	6.12	8.55
56	5.55	7.17	5.95	8.31
56.5	5.42	6.83	5.79	8.06
57	5.28	6.50	5.62	7.82
57.5	5.15	6.16	5.46	7.58
58	5.01	5.83	5.29	7.34
58.5	4.88	5.49	5.13	7.10
59	4.74	5.15	4.96	6.86
59.5	4.61	4.82	4.79	6.62
60	4.47	4.48	4.63	6.38
60.5	4.40	4.53	4.50	6.28
61	4.32	4.58	4.37	6.17
61.5	4.24	4.63	4.24	6.07
62	4.17	4.67	4.11	5.97
62.5	4.09	4.72	3.98	5.87
63	4.01	4.77	3.85	5.77
63.5	3.94	4.82	3.72	5.67
64	3.86	4.86	3.60	5.56
64.5	3.78	4.91	3.47	5.46
65	3.71	4.96	3.34	5.36
65.5	3.63	5.01	3.21	5.26
66	3.55	5.05	3.08	5.16
66.5	3.48	5.10	2.95	5.06
67	3.40	5.15	2.82	4.95
67.5	3.32	5.20	2.69	4.85
68	3.24	5.24	2.56	4.75
68.5	3.17	5.29	2.43	4.65
69	3.09	5.34	2.30	4.55
69.5	3.01	5.39	2.17	4.45
70	2.94	5.43	2.04	4.34
70.5	2.86	5.28	2.04	4.21
71	2.78	5.12	2.03	4.09
71.5	2.70	4.96	2.02	3.96
72	2.63	4.80	2.02	3.83
73	2.47	4.49	2.00	3.57
73.5	2.39	4.33	2.00	3.44
74	2.31	4.18	1.99	3.31
74.5	2.24	4.02	1.99	3.18
75	2.16	3.86	1.98	3.06
75.5	2.08	3.70	1.97	2.93
76	2.00	3.55	1.97	2.80
76.5	1.92	3.39	1.96	2.67
77	1.84	3.23	1.95	2.54
78	1.69	2.92	1.94	2.28
78.5	1.61	2.76	1.93	2.15
79	1.53	2.60	1.93	2.03
79.5	1.45	2.45	1.92	1.90
80	1.38	2.29	1.91	1.77
80.5	1.39	2.31	1.88	1.79
81	1.40	2.34	1.85	1.81
81.5	1.41	2.36	1.81	1.83
82	1.42	2.39	1.78	1.86
82.5	1.43	2.42	1.75	1.88
83	1.44	2.44	1.71	1.90
83.5	1.45	2.47	1.68	1.92
84	1.46	2.49	1.64	1.95
84.5	1.47	2.52	1.61	1.97
85	1.49	2.54	1.58	1.99
85.5	1.50	2.57	1.54	2.01
86	1.51	2.60	1.51	2.03
86.5	1.52	2.62	1.48	2.06
87	1.53	2.65	1.44	2.08
87.5	1.54	2.67	1.41	2.10
88	1.55	2.70	1.37	2.12
88.5	1.56	2.72	1.34	2.14
89	1.57	2.75	1.31	2.17
89.5	1.58	2.77	1.27	2.19
90	1.60	2.80	1.24	2.21
90.5	1.55	2.72	1.21	2.15
91	1.51	2.64	1.17	2.09
91.5	1.47	2.57	1.14	2.04
92	1.42	2.49	1.11	1.98
93	1.34	2.33	1.04	1.86
93.5	1.29	2.25	1.01	1.81
94	1.25	2.17	0.98	1.75
94.5	1.21	2.10	0.94	1.69
95	1.17	2.02	0.91	1.63
95.5	1.12	1.94	0.88	1.58
96	1.08	1.86	0.84	1.52
96.5	1.04	1.78	0.81	1.46
97	0.99	1.71	0.78	1.40
97.5	0.95	1.63	0.75	1.35
98	0.91	1.55	0.71	1.29
98.5	0.87	1.47	0.68	1.23
99	0.82	1.39	0.65	1.17
99.5	0.78	1.32	0.61	1.11
100	0.74	1.24	0.58	1.06

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group
Income ratio of tract
Percent bad

Score	Low	Moderate	Middle	High
0	99.63	99.48	98.83	97.33
0.5	99.26	98.93	98.25	96.92
1	98.88	98.39	97.68	96.51
1.5	98.50	97.85	97.11	96.10
2	98.12	97.30	96.53	95.70
2.5	97.75	96.76	95.96	95.29
3	97.37	96.21	95.38	94.88
3.5	96.99	95.67	94.81	94.47
4	96.61	95.13	94.23	94.06
4.5	96.24	94.58	93.66	93.66
5	95.86	94.04	93.09	93.25
5.5	95.48	93.49	92.51	92.84
6	95.10	92.95	91.94	92.43
6.5	94.73	92.40	91.36	92.02
7	94.35	91.86	90.79	91.62
7.5	93.97	91.32	90.22	91.21
8	93.59	90.77	89.64	90.80
8.5	93.22	90.23	89.07	90.39
9	92.84	89.68	88.49	89.98
9.5	92.46	89.14	87.92	89.58
10	92.08	88.60	87.35	89.17
10.5	91.78	88.21	86.76	88.20
11	91.47	87.82	86.18	87.23
11.5	91.17	87.43	85.60	86.27
12	90.86	87.04	85.02	85.30
12.5	90.56	86.66	84.43	84.33
13	90.25	86.27	83.85	83.37
13.5	89.95	85.88	83.27	82.40
14	89.64	85.49	82.69	81.43
14.5	89.34	85.11	82.11	80.47
15	89.03	84.72	81.52	79.50
15.5	88.73	84.33	80.94	78.53
16	88.42	83.94	80.36	77.56
16.5	88.12	83.55	79.78	76.60
17	87.81	83.17	79.19	75.63
17.5	87.51	82.78	78.61	74.66
18	87.20	82.39	78.03	73.70
18.5	86.89	82.00	77.45	72.73
19	86.59	81.62	76.87	71.76
19.5	86.28	81.23	76.28	70.80
20	85.98	80.84	75.70	69.83
20.5	83.98	78.86	73.81	68.01
21	81.98	76.87	71.92	66.19
21.5	79.97	74.89	70.03	64.37
22	77.97	72.90	68.14	62.55
22.5	75.97	70.92	66.26	60.73
23	73.97	68.93	64.37	58.91
23.5	71.97	66.95	62.48	57.09
24	69.97	64.96	60.59	55.27
24.5	67.97	62.98	58.70	53.45
25	65.96	61.00	56.81	51.63
25.5	63.96	59.01	54.92	49.81
26	61.96	57.03	53.03	47.99
26.5	59.96	55.04	51.14	46.17
27	57.96	53.06	49.25	44.35
27.5	55.96	51.07	47.36	42.53
28	53.96	49.09	45.48	40.71
28.5	51.95	47.10	43.59	38.89
29	49.95	45.12	41.70	37.06
29.5	47.95	43.14	39.81	35.24
30	45.95	41.15	37.92	33.42
30.5	45.21	40.25	37.00	32.52
31	44.47	39.36	36.09	31.62
31.5	43.74	38.46	35.17	30.72
32	43.00	37.56	34.26	29.82
32.5	42.26	36.66	33.34	28.92
33	41.52	35.76	32.43	28.02
33.5	40.79	34.87	31.51	27.12
34	40.05	33.97	30.60	26.21
34.5	39.31	33.07	29.68	25.31
35	38.57	32.17	28.77	24.41
35.5	37.84	31.27	27.85	23.51
36	37.10	30.38	26.94	22.61
36.5	36.36	29.48	26.02	21.71
37	35.62	28.58	25.11	20.81
37.5	34.89	27.68	24.19	19.91
38	34.15	26.78	23.28	19.01
38.5	33.41	25.89	22.36	18.10
39	32.67	24.99	21.45	17.20
39.5	31.93	24.09	20.53	16.30
40	31.20	23.19	19.62	15.40
40.5	30.34	22.64	19.09	14.98
41	29.48	22.08	18.56	14.55
41.5	28.62	21.53	18.03	14.13
42	27.77	20.97	17.50	13.70
42.5	26.91	20.42	16.97	13.28
43	26.05	19.86	16.44	12.86
43.5	25.19	19.30	15.91	12.43
44	24.33	18.75	15.38	12.01
44.5	23.48	18.19	14.85	11.59
45	22.62	17.64	14.32	11.16
45.5	21.76	17.08	13.79	10.74
46	20.90	16.53	13.26	10.31
46.5	20.04	15.97	12.73	9.89
47	19.19	15.42	12.20	9.47
47.5	18.33	14.86	11.67	9.04
48	17.47	14.30	11.14	8.62
48.5	16.61	13.75	10.61	8.19
49	15.75	13.19	10.08	7.77
49.5	14.90	12.64	9.55	7.35
50	14.04	12.08	9.02	6.92
50.5	13.85	11.88	8.83	6.82
51	13.66	11.68	8.64	6.72
51.5	13.47	11.48	8.45	6.62
52	13.28	11.28	8.26	6.53
52.5	13.09	11.08	8.06	6.43
53	12.91	10.87	7.87	6.33
53.5	12.72	10.67	7.68	6.23
54	12.53	10.47	7.49	6.13
54.5	12.34	10.27	7.29	6.03
55	12.15	10.07	7.10	5.93
55.5	11.96	9.87	6.91	5.83
56	11.77	9.67	6.72	5.73
56.5	11.58	9.47	6.53	5.64
57	11.40	9.26	6.33	5.54
57.5	11.21	9.06	6.14	5.44
58	11.02	8.86	5.95	5.34
58.5	10.83	8.66	5.76	5.24
59	10.64	8.46	5.57	5.14
59.5	10.45	8.26	5.37	5.04
60	10.26	8.06	5.18	4.94
60.5	10.06	7.85	5.09	4.82
61	9.87	7.65	4.99	4.69
61.5	9.67	7.45	4.90	4.57
62	9.47	7.24	4.80	4.44
62.5	9.27	7.04	4.71	4.32
63	9.07	6.84	4.62	4.19
63.5	8.87	6.63	4.52	4.06
64	8.67	6.43	4.43	3.94
64.5	8.47	6.23	4.33	3.81
65	8.27	6.02	4.24	3.69
65.5	8.07	5.82	4.14	3.56
66	7.87	5.62	4.05	3.44
66.5	7.67	5.41	3.96	3.31
67	7.48	5.21	3.86	3.19
67.5	7.28	5.01	3.77	3.06
68	7.08	4.80	3.67	2.94
68.5	6.88	4.60	3.58	2.81
69	6.68	4.40	3.48	2.69
69.5	6.48	4.19	3.39	2.56
70	6.28	3.99	3.30	2.43
70.5	6.13	3.97	3.21	2.40
71	5.97	3.95	3.13	2.37
71.5	5.82	3.94	3.04	2.34
72	5.66	3.92	2.96	2.30
73	5.35	3.89	2.79	2.24
73.5	5.20	3.87	2.71	2.21
74	5.04	3.85	2.62	2.17
74.5	4.89	3.84	2.54	2.14
75	4.73	3.82	2.46	2.11
75.5	4.58	3.80	2.37	2.08
76	4.42	3.78	2.29	2.04
76.5	4.27	3.77	2.20	2.01
77	4.11	3.75	2.12	1.98
78	3.80	3.72	1.95	1.91
78.5	3.65	3.70	1.87	1.88
79	3.49	3.68	1.78	1.85
79.5	3.34	3.67	1.70	1.82
80	3.18	3.65	1.62	1.78
80.5	3.23	3.56	1.61	1.77
81	3.27	3.47	1.61	1.75
81.5	3.31	3.38	1.61	1.74
82	3.36	3.29	1.61	1.72
82.5	3.40	3.20	1.61	1.70
83	3.44	3.11	1.61	1.69
83.5	3.49	3.03	1.61	1.67
84	3.53	2.94	1.61	1.65
84.5	3.57	2.85	1.60	1.64
85	3.62	2.76	1.60	1.62
85.5	3.66	2.67	1.60	1.61
86	3.70	2.58	1.60	1.59
86.5	3.74	2.49	1.60	1.57
87	3.79	2.40	1.60	1.56
87.5	3.83	2.31	1.60	1.54
88	3.87	2.23	1.60	1.52
88.5	3.92	2.14	1.59	1.51
89	3.96	2.05	1.59	1.49
89.5	4.00	1.96	1.59	1.47
90	4.05	1.87	1.59	1.46
90.5	3.80	1.84	1.57	1.41
91	3.55	1.80	1.55	1.37
91.5	3.30	1.77	1.53	1.33
92	3.05	1.73	1.51	1.28
93	2.55	1.66	1.47	1.20
93.5	2.30	1.63	1.45	1.15
94	2.05	1.59	1.43	1.11
94.5	1.80	1.56	1.41	1.06
95	1.55	1.52	1.39	1.02
95.5	1.30	1.49	1.37	0.98
96	1.06	1.46	1.35	0.93
96.5	0.81	1.42	1.33	0.89
97	0.56	1.39	1.31	0.85
97.5	0.31	1.35	1.29	0.80
98	0.06	1.32	1.27	0.76
98.5	0.00	1.28	1.25	0.71
99	0.00	1.25	1.23	0.67
99.5	0.00	1.21	1.21	0.63
100	0.00	1.18	1.19	0.58

Return to figure

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group

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

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group
Race or ethnicity (SSA data)
Percent bad

Score	Non- Hispanic white	Black	Hispanic	Asian
0	65.86	66.52	67.08	84.67
0.5	64.08	65.02	65.47	82.04
1	62.30	63.52	63.85	79.41
1.5	60.52	62.02	62.24	76.78
2	58.74	60.52	60.63	74.15
2.5	56.96	59.02	59.02	71.52
3	55.18	57.52	57.40	68.89
3.5	53.40	56.02	55.79	66.25
4	51.62	54.52	54.18	63.62
4.5	49.84	53.02	52.56	60.99
5	48.06	51.52	50.95	58.36
5.5	46.28	50.02	49.34	55.73
6	44.50	48.52	47.73	53.10
6.5	42.72	47.02	46.11	50.47
7	40.94	45.52	44.50	47.84
7.5	39.16	44.02	42.89	45.21
8	37.38	42.52	41.27	42.58
8.5	35.60	41.02	39.66	39.95
9	33.82	39.52	38.05	37.32
9.5	32.04	38.02	36.44	34.69
10	30.26	36.52	34.82	32.06
10.5	29.51	36.12	34.13	30.88
11	28.77	35.72	33.43	29.71
11.5	28.03	35.32	32.74	28.53
12	27.29	34.93	32.04	27.36
12.5	26.55	34.53	31.35	26.18
13	25.81	34.13	30.65	25.01
13.5	25.07	33.73	29.95	23.83
14	24.32	33.33	29.26	22.66
14.5	23.58	32.94	28.56	21.48
15	22.84	32.54	27.87	20.31
15.5	22.10	32.14	27.17	19.13
16	21.36	31.74	26.48	17.96
16.5	20.62	31.34	25.78	16.78
17	19.87	30.94	25.09	15.61
17.5	19.13	30.55	24.39	14.43
18	18.39	30.15	23.70	13.26
18.5	17.65	29.75	23.00	12.09
19	16.91	29.35	22.31	10.91
19.5	16.17	28.95	21.61	9.74
20	15.43	28.55	20.92	8.56
20.5	15.02	27.79	20.28	8.67
21	14.61	27.02	19.65	8.78
21.5	14.20	26.26	19.01	8.89
22	13.79	25.49	18.38	9.01
22.5	13.39	24.73	17.74	9.12
23	12.98	23.96	17.11	9.23
23.5	12.57	23.20	16.48	9.34
24	12.16	22.43	15.84	9.45
24.5	11.75	21.67	15.21	9.56
25	11.35	20.91	14.57	9.67
25.5	10.94	20.14	13.94	9.78
26	10.53	19.38	13.31	9.89
26.5	10.12	18.61	12.67	10.01
27	9.71	17.85	12.04	10.12
27.5	9.31	17.08	11.40	10.23
28	8.90	16.32	10.77	10.34
28.5	8.49	15.55	10.13	10.45
29	8.08	14.79	9.50	10.56
29.5	7.67	14.02	8.87	10.67
30	7.27	13.26	8.23	10.78
30.5	7.08	12.90	8.04	10.42
31	6.89	12.54	7.85	10.07
31.5	6.70	12.18	7.66	9.71
32	6.52	11.82	7.47	9.35
32.5	6.33	11.46	7.28	8.99
33	6.14	11.10	7.09	8.63
33.5	5.95	10.74	6.90	8.27
34	5.77	10.39	6.72	7.91
34.5	5.58	10.03	6.53	7.55
35	5.39	9.67	6.34	7.19
35.5	5.21	9.31	6.15	6.83
36	5.02	8.95	5.96	6.47
36.5	4.83	8.59	5.77	6.11
37	4.64	8.23	5.58	5.75
37.5	4.46	7.87	5.39	5.39
38	4.27	7.52	5.20	5.03
38.5	4.08	7.16	5.01	4.67
39	3.89	6.80	4.82	4.32
39.5	3.71	6.44	4.63	3.96
40	3.52	6.08	4.44	3.60
40.5	3.42	5.96	4.42	3.50
41	3.32	5.83	4.40	3.40
41.5	3.23	5.71	4.38	3.30
42	3.13	5.58	4.36	3.20
42.5	3.03	5.46	4.33	3.10
43	2.93	5.34	4.31	3.00
43.5	2.84	5.21	4.29	2.90
44	2.74	5.09	4.27	2.80
44.5	2.64	4.96	4.25	2.70
45	2.54	4.84	4.23	2.60
45.5	2.45	4.71	4.21	2.50
46	2.35	4.59	4.19	2.40
46.5	2.25	4.47	4.16	2.30
47	2.15	4.34	4.14	2.20
47.5	2.06	4.22	4.12	2.10
48	1.96	4.09	4.10	2.00
48.5	1.86	3.97	4.08	1.90
49	1.76	3.85	4.06	1.80
49.5	1.67	3.72	4.04	1.70
50	1.57	3.60	4.01	1.60
50.5	1.53	3.62	3.90	1.60
51	1.49	3.64	3.79	1.59
51.5	1.45	3.66	3.67	1.58
52	1.41	3.68	3.56	1.57
52.5	1.37	3.70	3.45	1.56
53	1.33	3.72	3.33	1.55
53.5	1.28	3.74	3.22	1.54
54	1.24	3.76	3.11	1.54
54.5	1.20	3.79	2.99	1.53
55	1.16	3.81	2.88	1.52
55.5	1.12	3.83	2.77	1.51
56	1.08	3.85	2.65	1.50
56.5	1.04	3.87	2.54	1.49
57	1.00	3.89	2.43	1.48
57.5	0.96	3.91	2.31	1.47
58	0.92	3.93	2.20	1.47
58.5	0.88	3.95	2.09	1.46
59	0.84	3.97	1.97	1.45
59.5	0.80	3.99	1.86	1.44
60	0.76	4.02	1.75	1.43
60.5	0.75	3.84	1.75	1.36
61	0.74	3.66	1.76	1.30
61.5	0.73	3.48	1.77	1.23
62	0.73	3.30	1.77	1.16
62.5	0.72	3.12	1.78	1.09
63	0.71	2.94	1.79	1.02
63.5	0.70	2.76	1.79	0.96
64	0.70	2.58	1.80	0.89
64.5	0.69	2.40	1.81	0.82
65	0.68	2.22	1.81	0.75
65.5	0.68	2.04	1.82	0.68
66	0.67	1.86	1.83	0.62
66.5	0.66	1.68	1.84	0.55
67	0.65	1.50	1.84	0.48
67.5	0.65	1.32	1.85	0.41
68	0.64	1.14	1.86	0.34
68.5	0.63	0.96	1.86	0.28
69	0.62	0.78	1.87	0.21
69.5	0.62	0.60	1.88	0.14
70	0.61	0.42	1.88	0.07
70.5	0.60	0.44	1.83	0.08
71	0.58	0.47	1.78	0.09
71.5	0.57	0.50	1.73	0.11
72	0.56	0.53	1.67	0.12
73	0.54	0.59	1.57	0.14
73.5	0.52	0.61	1.52	0.15
74	0.51	0.64	1.46	0.16
74.5	0.50	0.67	1.41	0.17
75	0.49	0.70	1.36	0.18
75.5	0.48	0.73	1.31	0.20
76	0.46	0.75	1.25	0.21
76.5	0.45	0.78	1.20	0.22
77	0.44	0.81	1.15	0.23
78	0.42	0.87	1.04	0.25
78.5	0.41	0.89	0.99	0.26
79	0.39	0.92	0.94	0.27
79.5	0.38	0.95	0.89	0.28
80	0.37	0.98	0.83	0.30
80.5	0.36	0.96	0.78	0.29
81	0.35	0.93	0.73	0.28
81.5	0.34	0.91	0.68	0.27
82	0.34	0.89	0.63	0.27
82.5	0.33	0.87	0.58	0.26
83	0.32	0.84	0.53	0.25
83.5	0.31	0.82	0.48	0.24
84	0.30	0.80	0.43	0.24
84.5	0.30	0.78	0.38	0.23
85	0.29	0.76	0.33	0.22
85.5	0.28	0.73	0.28	0.21
86	0.27	0.71	0.23	0.21
86.5	0.26	0.69	0.18	0.20
87	0.25	0.67	0.13	0.19
87.5	0.25	0.64	0.08	0.18
88	0.24	0.62	0.03	0.18
88.5	0.23	0.60	0.00	0.17
89	0.22	0.58	0.00	0.16
89.5	0.21	0.56	0.00	0.15
90	0.21	0.53	0.00	0.15
90.5	0.21	0.62	0.00	0.19
91	0.21	0.70	0.00	0.24
91.5	0.22	0.78	0.00	0.28
92	0.22	0.86	0.00	0.33
93	0.23	1.02	0.00	0.42
93.5	0.24	1.11	0.00	0.46
94	0.24	1.19	0.00	0.51
94.5	0.25	1.27	0.02	0.55
95	0.25	1.35	0.04	0.59
95.5	0.26	1.43	0.06	0.64
96	0.26	1.52	0.08	0.68
96.5	0.27	1.60	0.10	0.73
97	0.27	1.68	0.12	0.77
97.5	0.27	1.76	0.14	0.82
98	0.28	1.84	0.16	0.86
98.5	0.28	1.93	0.18	0.91
99	0.29	2.01	0.21	0.95
99.5	0.29	2.09	0.23	1.00
100	0.30	2.17	0.25	1.04

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group
Race or ethnicity (location-based distribution)
Percent bad

Score	Non- Hispanic white	Black	Hispanic	Asian
0	65.75	70.49	68.72	73.47
0.5	64.00	68.80	67.01	71.48
1	62.25	67.11	65.31	69.49
1.5	60.50	65.42	63.61	67.50
2	58.75	63.73	61.91	65.52
2.5	57.00	62.04	60.20	63.53
3	55.25	60.35	58.50	61.54
3.5	53.50	58.66	56.80	59.55
4	51.75	56.98	55.09	57.56
4.5	50.00	55.29	53.39	55.57
5	48.25	53.60	51.69	53.59
5.5	46.50	51.91	49.98	51.60
6	44.75	50.22	48.28	49.61
6.5	43.00	48.53	46.58	47.62
7	41.25	46.84	44.87	45.63
7.5	39.50	45.15	43.17	43.65
8	37.74	43.46	41.47	41.66
8.5	35.99	41.77	39.76	39.67
9	34.24	40.08	38.06	37.68
9.5	32.49	38.39	36.36	35.69
10	30.74	36.70	34.65	33.71
10.5	30.09	36.14	34.03	32.90
11	29.45	35.58	33.42	32.10
11.5	28.80	35.02	32.80	31.29
12	28.15	34.46	32.18	30.48
12.5	27.50	33.90	31.56	29.68
13	26.85	33.34	30.94	28.87
13.5	26.20	32.78	30.32	28.07
14	25.55	32.22	29.70	27.26
14.5	24.90	31.66	29.08	26.46
15	24.25	31.10	28.46	25.65
15.5	23.60	30.54	27.84	24.85
16	22.95	29.97	27.22	24.04
16.5	22.30	29.41	26.61	23.24
17	21.66	28.85	25.99	22.43
17.5	21.01	28.29	25.37	21.63
18	20.36	27.73	24.75	20.82
18.5	19.71	27.17	24.13	20.01
19	19.06	26.61	23.51	19.21
19.5	18.41	26.05	22.89	18.40
20	17.76	25.49	22.27	17.60
20.5	17.24	24.82	21.56	17.11
21	16.73	24.16	20.85	16.63
21.5	16.21	23.49	20.14	16.14
22	15.69	22.83	19.43	15.65
22.5	15.17	22.16	18.72	15.17
23	14.66	21.49	18.01	14.68
23.5	14.14	20.83	17.30	14.20
24	13.62	20.16	16.59	13.71
24.5	13.10	19.50	15.88	13.22
25	12.59	18.83	15.17	12.74
25.5	12.07	18.17	14.46	12.25
26	11.55	17.50	13.75	11.77
26.5	11.03	16.83	13.04	11.28
27	10.52	16.17	12.33	10.79
27.5	10.00	15.50	11.62	10.31
28	9.48	14.84	10.91	9.82
28.5	8.96	14.17	10.20	9.34
29	8.45	13.51	9.49	8.85
29.5	7.93	12.84	8.77	8.36
30	7.41	12.17	8.06	7.88
30.5	7.23	11.82	7.92	7.75
31	7.04	11.47	7.77	7.62
31.5	6.86	11.12	7.63	7.48
32	6.68	10.77	7.48	7.35
32.5	6.49	10.42	7.34	7.22
33	6.31	10.07	7.19	7.09
33.5	6.13	9.72	7.04	6.96
34	5.94	9.37	6.90	6.83
34.5	5.76	9.01	6.75	6.70
35	5.58	8.66	6.61	6.57
35.5	5.39	8.31	6.46	6.43
36	5.21	7.96	6.31	6.30
36.5	5.03	7.61	6.17	6.17
37	4.84	7.26	6.02	6.04
37.5	4.66	6.91	5.88	5.91
38	4.48	6.56	5.73	5.78
38.5	4.29	6.21	5.59	5.65
39	4.11	5.85	5.44	5.52
39.5	3.93	5.50	5.29	5.38
40	3.74	5.15	5.15	5.25
40.5	3.64	5.07	5.02	5.05
41	3.55	4.98	4.89	4.85
41.5	3.45	4.90	4.76	4.65
42	3.35	4.82	4.63	4.45
42.5	3.25	4.73	4.50	4.25
43	3.15	4.65	4.37	4.05
43.5	3.05	4.56	4.23	3.85
44	2.95	4.48	4.10	3.64
44.5	2.85	4.39	3.97	3.44
45	2.75	4.31	3.84	3.24
45.5	2.65	4.22	3.71	3.04
46	2.55	4.14	3.58	2.84
46.5	2.45	4.06	3.45	2.64
47	2.35	3.97	3.32	2.44
47.5	2.25	3.89	3.19	2.24
48	2.15	3.80	3.06	2.04
48.5	2.05	3.72	2.93	1.84
49	1.95	3.63	2.80	1.63
49.5	1.85	3.55	2.67	1.43
50	1.75	3.47	2.54	1.23
50.5	1.71	3.39	2.51	1.23
51	1.68	3.31	2.47	1.22
51.5	1.64	3.23	2.44	1.21
52	1.60	3.15	2.40	1.20
52.5	1.57	3.08	2.37	1.20
53	1.53	3.00	2.34	1.19
53.5	1.49	2.92	2.30	1.18
54	1.46	2.84	2.27	1.17
54.5	1.42	2.76	2.23	1.17
55	1.38	2.69	2.20	1.16
55.5	1.35	2.61	2.17	1.15
56	1.31	2.53	2.13	1.15
56.5	1.27	2.45	2.10	1.14
57	1.24	2.37	2.06	1.13
57.5	1.20	2.30	2.03	1.12
58	1.16	2.22	2.00	1.12
58.5	1.13	2.14	1.96	1.11
59	1.09	2.06	1.93	1.10
59.5	1.05	1.98	1.89	1.10
60	1.02	1.90	1.86	1.09
60.5	0.99	1.89	1.82	1.06
61	0.97	1.88	1.78	1.03
61.5	0.94	1.87	1.74	1.00
62	0.92	1.86	1.70	0.97
62.5	0.90	1.85	1.66	0.94
63	0.87	1.84	1.62	0.91
63.5	0.85	1.83	1.59	0.89
64	0.82	1.82	1.55	0.86
64.5	0.80	1.81	1.51	0.83
65	0.77	1.80	1.47	0.80
65.5	0.75	1.79	1.43	0.77
66	0.72	1.78	1.39	0.74
66.5	0.70	1.77	1.35	0.71
67	0.68	1.76	1.31	0.68
67.5	0.65	1.75	1.27	0.65
68	0.63	1.74	1.23	0.62
68.5	0.60	1.73	1.19	0.59
69	0.58	1.72	1.15	0.57
69.5	0.55	1.71	1.11	0.54
70	0.53	1.70	1.07	0.51
70.5	0.52	1.62	1.05	0.50
71	0.52	1.54	1.02	0.50
71.5	0.51	1.46	0.99	0.49
72	0.50	1.38	0.96	0.49
73	0.49	1.22	0.90	0.47
73.5	0.48	1.14	0.87	0.47
74	0.48	1.06	0.85	0.46
74.5	0.47	0.97	0.82	0.46
75	0.46	0.89	0.79	0.45
75.5	0.46	0.81	0.76	0.45
76	0.45	0.73	0.73	0.44
76.5	0.44	0.65	0.70	0.44
77	0.44	0.57	0.67	0.43
78	0.42	0.41	0.62	0.42
78.5	0.42	0.33	0.59	0.41
79	0.41	0.25	0.56	0.41
79.5	0.40	0.17	0.53	0.40
80	0.40	0.08	0.50	0.40
80.5	0.39	0.12	0.48	0.38
81	0.38	0.15	0.46	0.37
81.5	0.37	0.18	0.44	0.35
82	0.35	0.21	0.42	0.33
82.5	0.34	0.24	0.41	0.32
83	0.33	0.27	0.39	0.30
83.5	0.32	0.31	0.37	0.29
84	0.31	0.34	0.35	0.27
84.5	0.30	0.37	0.33	0.26
85	0.29	0.40	0.31	0.24
85.5	0.28	0.43	0.29	0.22
86	0.27	0.46	0.27	0.21
86.5	0.26	0.50	0.25	0.19
87	0.25	0.53	0.23	0.18
87.5	0.23	0.56	0.21	0.16
88	0.22	0.59	0.19	0.14
88.5	0.21	0.62	0.17	0.13
89	0.20	0.65	0.15	0.11
89.5	0.19	0.69	0.13	0.10
90	0.18	0.72	0.11	0.08
90.5	0.19	0.72	0.13	0.09
91	0.19	0.72	0.14	0.10
91.5	0.20	0.72	0.16	0.11
92	0.21	0.72	0.17	0.12
93	0.22	0.71	0.20	0.14
93.5	0.23	0.71	0.22	0.15
94	0.24	0.71	0.23	0.16
94.5	0.25	0.71	0.25	0.17
95	0.25	0.71	0.26	0.18
95.5	0.26	0.71	0.28	0.19
96	0.27	0.71	0.29	0.20
96.5	0.28	0.71	0.31	0.21
97	0.28	0.71	0.32	0.22
97.5	0.29	0.71	0.34	0.23
98	0.30	0.71	0.35	0.24
98.5	0.31	0.71	0.37	0.25
99	0.31	0.71	0.38	0.26
99.5	0.32	0.71	0.40	0.27
100	0.33	0.71	0.41	0.28

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group
Sex
Percent bad

Score	Male	Female
0	68.57	65.45
0.5	66.67	63.89
1	64.78	62.32
1.5	62.88	60.75
2	60.98	59.18
2.5	59.09	57.62
3	57.19	56.05
3.5	55.29	54.48
4	53.40	52.91
4.5	51.50	51.35
5	49.60	49.78
5.5	47.71	48.21
6	45.81	46.64
6.5	43.91	45.08
7	42.01	43.51
7.5	40.12	41.94
8	38.22	40.37
8.5	36.32	38.81
9	34.43	37.24
9.5	32.53	35.67
10	30.63	34.10
10.5	30.05	33.33
11	29.46	32.56
11.5	28.87	31.79
12	28.28	31.02
12.5	27.70	30.25
13	27.11	29.48
13.5	26.52	28.71
14	25.93	27.94
14.5	25.35	27.17
15	24.76	26.40
15.5	24.17	25.63
16	23.58	24.86
16.5	23.00	24.09
17	22.41	23.32
17.5	21.82	22.55
18	21.23	21.78
18.5	20.65	21.01
19	20.06	20.24
19.5	19.47	19.47
20	18.88	18.70
20.5	18.36	18.16
21	17.83	17.62
21.5	17.30	17.08
22	16.78	16.54
22.5	16.25	16.00
23	15.72	15.46
23.5	15.20	14.91
24	14.67	14.37
24.5	14.14	13.83
25	13.62	13.29
25.5	13.09	12.75
26	12.56	12.21
26.5	12.04	11.67
27	11.51	11.13
27.5	10.98	10.59
28	10.46	10.05
28.5	9.93	9.50
29	9.40	8.96
29.5	8.88	8.42
30	8.35	7.88
30.5	8.14	7.67
31	7.94	7.45
31.5	7.73	7.24
32	7.53	7.02
32.5	7.32	6.81
33	7.12	6.60
33.5	6.91	6.38
34	6.71	6.17
34.5	6.50	5.95
35	6.30	5.74
35.5	6.09	5.52
36	5.89	5.31
36.5	5.68	5.10
37	5.48	4.88
37.5	5.27	4.67
38	5.07	4.45
38.5	4.86	4.24
39	4.66	4.02
39.5	4.45	3.81
40	4.25	3.59
40.5	4.13	3.51
41	4.01	3.42
41.5	3.89	3.33
42	3.78	3.24
42.5	3.66	3.15
43	3.54	3.06
43.5	3.42	2.97
44	3.30	2.88
44.5	3.18	2.80
45	3.07	2.71
45.5	2.95	2.62
46	2.83	2.53
46.5	2.71	2.44
47	2.59	2.35
47.5	2.47	2.26
48	2.36	2.17
48.5	2.24	2.09
49	2.12	2.00
49.5	2.00	1.91
50	1.88	1.82
50.5	1.84	1.77
51	1.80	1.73
51.5	1.76	1.68
52	1.73	1.64
52.5	1.69	1.59
53	1.65	1.54
53.5	1.61	1.50
54	1.57	1.45
54.5	1.53	1.41
55	1.49	1.36
55.5	1.45	1.31
56	1.41	1.27
56.5	1.37	1.22
57	1.33	1.18
57.5	1.29	1.13
58	1.25	1.08
58.5	1.21	1.04
59	1.17	0.99
59.5	1.14	0.95
60	1.10	0.90
60.5	1.08	0.88
61	1.06	0.86
61.5	1.05	0.84
62	1.03	0.81
62.5	1.01	0.79
63	1.00	0.77
63.5	0.98	0.75
64	0.96	0.73
64.5	0.94	0.71
65	0.93	0.68
65.5	0.91	0.66
66	0.89	0.64
66.5	0.88	0.62
67	0.86	0.60
67.5	0.84	0.57
68	0.83	0.55
68.5	0.81	0.53
69	0.79	0.51
69.5	0.78	0.49
70	0.76	0.47
70.5	0.74	0.46
71	0.73	0.45
71.5	0.71	0.45
72	0.69	0.44
73	0.66	0.43
73.5	0.64	0.42
74	0.63	0.42
74.5	0.61	0.41
75	0.59	0.41
75.5	0.58	0.40
76	0.56	0.39
76.5	0.54	0.39
77	0.53	0.38
78	0.49	0.37
78.5	0.48	0.36
79	0.46	0.36
79.5	0.44	0.35
80	0.43	0.35
80.5	0.41	0.34
81	0.40	0.33
81.5	0.39	0.32
82	0.38	0.32
82.5	0.37	0.31
83	0.36	0.30
83.5	0.35	0.29
84	0.34	0.29
84.5	0.33	0.28
85	0.32	0.27
85.5	0.31	0.26
86	0.30	0.26
86.5	0.29	0.25
87	0.28	0.24
87.5	0.27	0.23
88	0.26	0.23
88.5	0.25	0.22
89	0.23	0.21
89.5	0.22	0.20
90	0.21	0.20
90.5	0.22	0.20
91	0.22	0.21
91.5	0.23	0.21
92	0.23	0.22
93	0.25	0.23
93.5	0.25	0.24
94	0.26	0.24
94.5	0.26	0.25
95	0.27	0.25
95.5	0.27	0.26
96	0.28	0.26
96.5	0.28	0.27
97	0.29	0.27
97.5	0.29	0.28
98	0.30	0.28
98.5	0.30	0.29
99	0.31	0.29
99.5	0.31	0.30
100	0.32	0.31

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group
Age (years)
Percent bad

Score	Younger than 30	30-39	40-49	50-61	62 or older
0	68.64	64.52	64.30	69.25	71.25
0.5	66.95	62.94	62.78	67.16	69.35
1	65.26	61.37	61.27	65.08	67.44
1.5	63.57	59.79	59.75	62.99	65.54
2	61.88	58.22	58.24	60.91	63.63
2.5	60.19	56.65	56.72	58.82	61.73
3	58.50	55.07	55.21	56.74	59.82
3.5	56.82	53.50	53.69	54.65	57.92
4	55.13	51.92	52.18	52.57	56.01
4.5	53.44	50.35	50.66	50.48	54.11
5	51.75	48.78	49.15	48.39	52.20
5.5	50.06	47.20	47.63	46.31	50.30
6	48.37	45.63	46.12	44.22	48.39
6.5	46.68	44.05	44.60	42.14	46.49
7	44.99	42.48	43.09	40.05	44.58
7.5	43.30	40.91	41.57	37.97	42.68
8	41.61	39.33	40.06	35.88	40.77
8.5	39.92	37.76	38.54	33.80	38.87
9	38.23	36.19	37.03	31.71	36.96
9.5	36.54	34.61	35.51	29.63	35.06
10	34.85	33.04	34.00	27.54	33.15
10.5	34.63	32.26	33.00	26.86	32.19
11	34.41	31.48	32.00	26.18	31.23
11.5	34.19	30.70	31.01	25.49	30.27
12	33.97	29.93	30.01	24.81	29.31
12.5	33.75	29.15	29.01	24.12	28.35
13	33.53	28.37	28.02	23.44	27.39
13.5	33.30	27.60	27.02	22.76	26.43
14	33.08	26.82	26.02	22.07	25.47
14.5	32.86	26.04	25.03	21.39	24.51
15	32.64	25.26	24.03	20.71	23.55
15.5	32.42	24.49	23.03	20.02	22.59
16	32.20	23.71	22.03	19.34	21.63
16.5	31.97	22.93	21.04	18.66	20.68
17	31.75	22.15	20.04	17.97	19.72
17.5	31.53	21.38	19.04	17.29	18.76
18	31.31	20.60	18.05	16.61	17.80
18.5	31.09	19.82	17.05	15.92	16.84
19	30.87	19.04	16.05	15.24	15.88
19.5	30.65	18.27	15.06	14.56	14.92
20	30.42	17.49	14.06	13.87	13.96
20.5	29.46	16.98	13.73	13.49	13.64
21	28.49	16.48	13.40	13.11	13.32
21.5	27.52	15.98	13.07	12.73	13.00
22	26.55	15.47	12.73	12.34	12.68
22.5	25.58	14.97	12.40	11.96	12.36
23	24.61	14.46	12.07	11.58	12.04
23.5	23.64	13.96	11.74	11.20	11.72
24	22.67	13.46	11.41	10.81	11.40
24.5	21.70	12.95	11.08	10.43	11.08
25	20.73	12.45	10.75	10.05	10.76
25.5	19.77	11.94	10.42	9.67	10.44
26	18.80	11.44	10.08	9.28	10.12
26.5	17.83	10.94	9.75	8.90	9.80
27	16.86	10.43	9.42	8.52	9.48
27.5	15.89	9.93	9.09	8.14	9.16
28	14.92	9.42	8.76	7.75	8.84
28.5	13.95	8.92	8.43	7.37	8.52
29	12.98	8.42	8.10	6.99	8.20
29.5	12.01	7.91	7.77	6.61	7.88
30	11.04	7.41	7.43	6.22	7.56
30.5	10.78	7.26	7.21	6.03	7.42
31	10.52	7.10	6.98	5.84	7.27
31.5	10.26	6.95	6.76	5.65	7.13
32	10.00	6.80	6.53	5.46	6.98
32.5	9.74	6.65	6.31	5.27	6.84
33	9.48	6.50	6.08	5.07	6.69
33.5	9.22	6.34	5.86	4.88	6.55
34	8.96	6.19	5.63	4.69	6.40
34.5	8.70	6.04	5.41	4.50	6.26
35	8.44	5.89	5.18	4.31	6.11
35.5	8.18	5.73	4.96	4.11	5.97
36	7.92	5.58	4.73	3.92	5.83
36.5	7.66	5.43	4.51	3.73	5.68
37	7.40	5.28	4.28	3.54	5.54
37.5	7.14	5.12	4.06	3.35	5.39
38	6.88	4.97	3.83	3.15	5.25
38.5	6.62	4.82	3.61	2.96	5.10
39	6.36	4.67	3.38	2.77	4.96
39.5	6.10	4.52	3.16	2.58	4.81
40	5.84	4.36	2.93	2.39	4.67
40.5	5.73	4.20	2.86	2.31	4.53
41	5.61	4.04	2.80	2.23	4.40
41.5	5.50	3.88	2.73	2.15	4.26
42	5.38	3.72	2.67	2.08	4.13
42.5	5.27	3.56	2.60	2.00	4.00
43	5.15	3.40	2.54	1.92	3.86
43.5	5.03	3.24	2.47	1.84	3.73
44	4.92	3.08	2.40	1.77	3.59
44.5	4.80	2.92	2.34	1.69	3.46
45	4.69	2.76	2.27	1.61	3.32
45.5	4.57	2.60	2.21	1.53	3.19
46	4.45	2.44	2.14	1.46	3.06
46.5	4.34	2.28	2.08	1.38	2.92
47	4.22	2.12	2.01	1.30	2.79
47.5	4.11	1.96	1.94	1.22	2.65
48	3.99	1.80	1.88	1.14	2.52
48.5	3.88	1.64	1.81	1.07	2.38
49	3.76	1.48	1.75	0.99	2.25
49.5	3.64	1.31	1.68	0.91	2.11
50	3.53	1.15	1.62	0.83	1.98
50.5	3.46	1.13	1.59	0.82	1.92
51	3.38	1.11	1.55	0.80	1.86
51.5	3.31	1.09	1.52	0.78	1.80
52	3.24	1.06	1.49	0.76	1.74
52.5	3.16	1.04	1.46	0.74	1.68
53	3.09	1.02	1.43	0.72	1.62
53.5	3.02	1.00	1.40	0.70	1.56
54	2.95	0.97	1.37	0.68	1.50
54.5	2.87	0.95	1.34	0.66	1.44
55	2.80	0.93	1.31	0.64	1.38
55.5	2.73	0.91	1.28	0.62	1.32
56	2.66	0.88	1.25	0.60	1.26
56.5	2.58	0.86	1.22	0.59	1.19
57	2.51	0.84	1.19	0.57	1.13
57.5	2.44	0.82	1.16	0.55	1.07
58	2.36	0.79	1.13	0.53	1.01
58.5	2.29	0.77	1.10	0.51	0.95
59	2.22	0.75	1.07	0.49	0.89
59.5	2.15	0.72	1.04	0.47	0.83
60	2.07	0.70	1.00	0.45	0.77
60.5	2.05	0.69	0.96	0.46	0.79
61	2.02	0.68	0.92	0.47	0.81
61.5	2.00	0.67	0.88	0.47	0.83
62	1.97	0.66	0.83	0.48	0.86
62.5	1.94	0.65	0.79	0.49	0.88
63	1.92	0.64	0.75	0.50	0.90
63.5	1.89	0.62	0.70	0.51	0.92
64	1.87	0.61	0.66	0.51	0.94
64.5	1.84	0.60	0.62	0.52	0.96
65	1.81	0.59	0.58	0.53	0.98
65.5	1.79	0.58	0.53	0.54	1.00
66	1.76	0.57	0.49	0.54	1.02
66.5	1.74	0.56	0.45	0.55	1.04
67	1.71	0.55	0.40	0.56	1.06
67.5	1.68	0.54	0.36	0.57	1.08
68	1.66	0.53	0.32	0.58	1.11
68.5	1.63	0.51	0.28	0.58	1.13
69	1.61	0.50	0.23	0.59	1.15
69.5	1.58	0.49	0.19	0.60	1.17
70	1.55	0.48	0.15	0.61	1.19
70.5	1.43	0.48	0.16	0.59	1.16
71	1.31	0.48	0.17	0.57	1.13
71.5	1.19	0.48	0.18	0.55	1.10
72	1.06	0.48	0.19	0.53	1.08
73	0.82	0.48	0.22	0.50	1.02
73.5	0.69	0.48	0.23	0.48	0.99
74	0.57	0.47	0.24	0.46	0.96
74.5	0.45	0.47	0.25	0.44	0.93
75	0.33	0.47	0.26	0.43	0.91
75.5	0.20	0.47	0.27	0.41	0.88
76	0.08	0.47	0.28	0.39	0.85
76.5	0.00	0.47	0.29	0.37	0.82
77	0.00	0.47	0.31	0.35	0.79
78	0.00	0.47	0.33	0.32	0.73
78.5	0.00	0.47	0.34	0.30	0.71
79	0.00	0.46	0.35	0.28	0.68
79.5	0.00	0.46	0.36	0.26	0.65
80	0.00	0.46	0.37	0.25	0.62
80.5	0.00	0.44	0.36	0.25	0.60
81	0.00	0.41	0.35	0.26	0.57
81.5	0.19	0.39	0.34	0.26	0.55
82	0.56	0.36	0.32	0.27	0.53
82.5	0.92	0.34	0.31	0.27	0.51
83	1.29	0.32	0.30	0.28	0.48
83.5	1.65	0.29	0.29	0.28	0.46
84	2.02	0.27	0.27	0.29	0.44
84.5	2.38	0.24	0.26	0.29	0.41
85	2.75	0.22	0.25	0.30	0.39
85.5	3.11	0.19	0.24	0.30	0.37
86	3.48	0.17	0.22	0.31	0.34
86.5	3.84	0.14	0.21	0.31	0.32
87	4.21	0.12	0.20	0.32	0.30
87.5	4.57	0.09	0.19	0.32	0.27
88	4.94	0.07	0.18	0.33	0.25
88.5	5.30	0.05	0.16	0.33	0.23
89	5.67	0.02	0.15	0.34	0.20
89.5	6.03	0.00	0.14	0.34	0.18
90	6.40	0.00	0.13	0.35	0.16
90.5	7.98	0.00	0.13	0.33	0.19
91	9.57	0.01	0.14	0.31	0.22
91.5	11.15	0.03	0.15	0.29	0.25
92	12.74	0.05	0.16	0.27	0.28
93	15.91	0.09	0.18	0.23	0.35
93.5	17.50	0.11	0.19	0.21	0.38
94	19.08	0.13	0.20	0.19	0.41
94.5	20.67	0.16	0.21	0.18	0.44
95	22.25	0.18	0.22	0.16	0.47
95.5	23.84	0.20	0.23	0.14	0.50
96	25.43	0.22	0.23	0.12	0.54
96.5	27.01	0.24	0.24	0.10	0.57
97	28.60	0.26	0.25	0.08	0.60
97.5	30.18	0.28	0.26	0.06	0.63
98	31.77	0.30	0.27	0.04	0.66
98.5	33.35	0.32	0.28	0.02	0.69
99	34.94	0.34	0.29	0.01	0.72
99.5	36.53	0.36	0.30	0.00	0.76
100	38.11	0.38	0.31	0.00	0.79

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group
Marital status
Percent bad

Score	Married male	Single male	Married female	Single female
0	64.08	73.25	64.74	67.72
0.5	62.31	71.12	63.07	66.05
1	60.55	68.99	61.40	64.37
1.5	58.78	66.86	59.73	62.70
2	57.02	64.72	58.06	61.03
2.5	55.26	62.59	56.39	59.36
3	53.49	60.46	54.72	57.68
3.5	51.73	58.32	53.05	56.01
4	49.97	56.19	51.38	54.34
4.5	48.20	54.06	49.71	52.67
5	46.44	51.93	48.04	50.99
5.5	44.68	49.79	46.37	49.32
6	42.91	47.66	44.70	47.65
6.5	41.15	45.53	43.04	45.98
7	39.39	43.40	41.37	44.30
7.5	37.62	41.26	39.70	42.63
8	35.86	39.13	38.03	40.96
8.5	34.10	37.00	36.36	39.29
9	32.33	34.86	34.69	37.61
9.5	30.57	32.73	33.02	35.94
10	28.81	30.60	31.35	34.27
10.5	27.97	30.18	30.46	33.54
11	27.13	29.76	29.57	32.81
11.5	26.29	29.34	28.68	32.09
12	25.46	28.92	27.79	31.36
12.5	24.62	28.49	26.91	30.63
13	23.78	28.07	26.02	29.91
13.5	22.95	27.65	25.13	29.18
14	22.11	27.23	24.24	28.45
14.5	21.27	26.81	23.35	27.73
15	20.43	26.39	22.46	27.00
15.5	19.60	25.97	21.57	26.27
16	18.76	25.55	20.69	25.55
16.5	17.92	25.13	19.80	24.82
17	17.09	24.71	18.91	24.09
17.5	16.25	24.28	18.02	23.36
18	15.41	23.86	17.13	22.64
18.5	14.57	23.44	16.24	21.91
19	13.74	23.02	15.36	21.18
19.5	12.90	22.60	14.47	20.46
20	12.06	22.18	13.58	19.73
20.5	11.80	21.59	13.19	19.26
21	11.54	21.00	12.80	18.78
21.5	11.27	20.41	12.41	18.31
22	11.01	19.81	12.03	17.84
22.5	10.75	19.22	11.64	17.36
23	10.49	18.63	11.25	16.89
23.5	10.22	18.04	10.86	16.42
24	9.96	17.45	10.48	15.94
24.5	9.70	16.86	10.09	15.47
25	9.43	16.27	9.70	15.00
25.5	9.17	15.67	9.31	14.52
26	8.91	15.08	8.92	14.05
26.5	8.65	14.49	8.54	13.58
27	8.38	13.90	8.15	13.10
27.5	8.12	13.31	7.76	12.63
28	7.86	12.72	7.37	12.16
28.5	7.60	12.13	6.98	11.68
29	7.33	11.53	6.60	11.21
29.5	7.07	10.94	6.21	10.74
30	6.81	10.35	5.82	10.26
30.5	6.64	10.08	5.67	9.92
31	6.47	9.81	5.51	9.57
31.5	6.30	9.53	5.36	9.23
32	6.13	9.26	5.20	8.88
32.5	5.96	8.99	5.05	8.53
33	5.79	8.72	4.90	8.19
33.5	5.62	8.44	4.74	7.84
34	5.45	8.17	4.59	7.50
34.5	5.28	7.90	4.43	7.15
35	5.11	7.63	4.28	6.80
35.5	4.94	7.35	4.13	6.46
36	4.77	7.08	3.97	6.11
36.5	4.60	6.81	3.82	5.77
37	4.43	6.54	3.66	5.42
37.5	4.26	6.27	3.51	5.07
38	4.09	5.99	3.36	4.73
38.5	3.92	5.72	3.20	4.38
39	3.75	5.45	3.05	4.04
39.5	3.58	5.18	2.89	3.69
40	3.41	4.90	2.74	3.35
40.5	3.30	4.77	2.67	3.32
41	3.19	4.64	2.60	3.30
41.5	3.08	4.51	2.53	3.28
42	2.97	4.39	2.47	3.26
42.5	2.86	4.26	2.40	3.24
43	2.75	4.13	2.33	3.22
43.5	2.64	4.00	2.26	3.20
44	2.53	3.87	2.19	3.17
44.5	2.41	3.74	2.12	3.15
45	2.30	3.61	2.05	3.13
45.5	2.19	3.48	1.99	3.11
46	2.08	3.35	1.92	3.09
46.5	1.97	3.22	1.85	3.07
47	1.86	3.09	1.78	3.05
47.5	1.75	2.96	1.71	3.02
48	1.64	2.83	1.64	3.00
48.5	1.53	2.70	1.58	2.98
49	1.41	2.57	1.51	2.96
49.5	1.30	2.44	1.44	2.94
50	1.19	2.31	1.37	2.92
50.5	1.17	2.25	1.33	2.81
51	1.15	2.19	1.29	2.70
51.5	1.13	2.13	1.25	2.59
52	1.10	2.07	1.21	2.48
52.5	1.08	2.01	1.16	2.37
53	1.06	1.95	1.12	2.26
53.5	1.03	1.89	1.08	2.15
54	1.01	1.83	1.04	2.04
54.5	0.99	1.77	1.00	1.93
55	0.97	1.71	0.96	1.82
55.5	0.94	1.65	0.92	1.71
56	0.92	1.59	0.88	1.60
56.5	0.90	1.53	0.83	1.49
57	0.88	1.47	0.79	1.39
57.5	0.85	1.41	0.75	1.28
58	0.83	1.35	0.71	1.17
58.5	0.81	1.29	0.67	1.06
59	0.79	1.23	0.63	0.95
59.5	0.76	1.17	0.59	0.84
60	0.74	1.11	0.55	0.73
60.5	0.73	1.12	0.53	0.73
61	0.71	1.14	0.52	0.74
61.5	0.69	1.15	0.51	0.74
62	0.68	1.17	0.49	0.74
62.5	0.66	1.18	0.48	0.75
63	0.64	1.20	0.47	0.75
63.5	0.63	1.21	0.45	0.75
64	0.61	1.22	0.44	0.76
64.5	0.59	1.24	0.43	0.76
65	0.58	1.25	0.41	0.76
65.5	0.56	1.27	0.40	0.77
66	0.54	1.28	0.39	0.77
66.5	0.53	1.30	0.37	0.77
67	0.51	1.31	0.36	0.78
67.5	0.50	1.32	0.35	0.78
68	0.48	1.34	0.33	0.79
68.5	0.46	1.35	0.32	0.79
69	0.45	1.37	0.31	0.79
69.5	0.43	1.38	0.29	0.80
70	0.41	1.40	0.28	0.80
70.5	0.41	1.36	0.29	0.76
71	0.41	1.32	0.30	0.73
71.5	0.41	1.28	0.30	0.69
72	0.40	1.24	0.31	0.66
73	0.40	1.16	0.32	0.58
73.5	0.40	1.12	0.33	0.55
74	0.39	1.08	0.34	0.51
74.5	0.39	1.04	0.35	0.48
75	0.39	1.00	0.35	0.44
75.5	0.39	0.96	0.36	0.41
76	0.39	0.92	0.37	0.37
76.5	0.38	0.88	0.37	0.33
77	0.38	0.84	0.38	0.30
78	0.38	0.76	0.40	0.23
78.5	0.37	0.72	0.40	0.19
79	0.37	0.68	0.41	0.16
79.5	0.37	0.64	0.42	0.12
80	0.37	0.60	0.42	0.08
80.5	0.36	0.58	0.41	0.09
81	0.35	0.56	0.40	0.10
81.5	0.34	0.54	0.39	0.11
82	0.33	0.52	0.38	0.12
82.5	0.32	0.50	0.36	0.13
83	0.31	0.47	0.35	0.14
83.5	0.30	0.45	0.34	0.15
84	0.29	0.43	0.33	0.16
84.5	0.28	0.41	0.32	0.17
85	0.27	0.39	0.30	0.18
85.5	0.26	0.37	0.29	0.19
86	0.25	0.35	0.28	0.20
86.5	0.24	0.33	0.27	0.21
87	0.23	0.31	0.26	0.22
87.5	0.22	0.29	0.24	0.23
88	0.21	0.27	0.23	0.24
88.5	0.20	0.24	0.22	0.25
89	0.19	0.22	0.21	0.26
89.5	0.18	0.20	0.20	0.27
90	0.17	0.18	0.18	0.28
90.5	0.18	0.18	0.18	0.32
91	0.19	0.19	0.18	0.35
91.5	0.20	0.19	0.18	0.39
92	0.21	0.19	0.18	0.43
93	0.22	0.20	0.18	0.50
93.5	0.23	0.20	0.18	0.54
94	0.24	0.21	0.18	0.57
94.5	0.25	0.21	0.18	0.61
95	0.26	0.21	0.18	0.65
95.5	0.27	0.21	0.18	0.69
96	0.28	0.22	0.18	0.72
96.5	0.28	0.22	0.18	0.76
97	0.29	0.22	0.18	0.80
97.5	0.30	0.23	0.18	0.83
98	0.31	0.23	0.18	0.87
98.5	0.32	0.23	0.18	0.91
99	0.33	0.24	0.18	0.94
99.5	0.34	0.24	0.18	0.98
100	0.34	0.24	0.18	1.02

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group
Income ratio of tract
Percent bad

Score	Low	Moderate	Middle	High
0	69.59	70.21	66.47	61.59
0.5	68.29	68.39	64.70	60.11
1	67.00	66.57	62.93	58.63
1.5	65.71	64.75	61.16	57.15
2	64.41	62.93	59.39	55.67
2.5	63.12	61.11	57.62	54.19
3	61.83	59.29	55.85	52.71
3.5	60.53	57.47	54.08	51.23
4	59.24	55.65	52.31	49.75
4.5	57.94	53.82	50.54	48.27
5	56.65	52.00	48.77	46.79
5.5	55.36	50.18	47.00	45.31
6	54.06	48.36	45.23	43.83
6.5	52.77	46.54	43.47	42.34
7	51.48	44.72	41.70	40.86
7.5	50.18	42.90	39.93	39.38
8	48.89	41.08	38.16	37.90
8.5	47.60	39.26	36.39	36.42
9	46.30	37.44	34.62	34.94
9.5	45.01	35.62	32.85	33.46
10	43.71	33.79	31.08	31.98
10.5	43.24	33.32	30.44	31.04
11	42.76	32.85	29.80	30.09
11.5	42.29	32.38	29.16	29.14
12	41.81	31.91	28.53	28.19
12.5	41.34	31.44	27.89	27.24
13	40.86	30.97	27.25	26.29
13.5	40.39	30.50	26.61	25.34
14	39.91	30.03	25.98	24.40
14.5	39.44	29.56	25.34	23.45
15	38.96	29.09	24.70	22.50
15.5	38.49	28.62	24.06	21.55
16	38.01	28.15	23.43	20.60
16.5	37.54	27.68	22.79	19.65
17	37.06	27.21	22.15	18.71
17.5	36.59	26.74	21.51	17.76
18	36.11	26.27	20.88	16.81
18.5	35.64	25.80	20.24	15.86
19	35.16	25.33	19.60	14.91
19.5	34.69	24.86	18.96	13.96
20	34.21	24.39	18.32	13.02
20.5	33.05	23.62	17.82	12.67
21	31.89	22.86	17.32	12.32
21.5	30.72	22.10	16.82	11.98
22	29.56	21.34	16.32	11.63
22.5	28.40	20.57	15.82	11.28
23	27.24	19.81	15.32	10.94
23.5	26.08	19.05	14.81	10.59
24	24.91	18.29	14.31	10.24
24.5	23.75	17.52	13.81	9.90
25	22.59	16.76	13.31	9.55
25.5	21.43	16.00	12.81	9.20
26	20.27	15.24	12.31	8.86
26.5	19.10	14.47	11.80	8.51
27	17.94	13.71	11.30	8.16
27.5	16.78	12.95	10.80	7.82
28	15.62	12.19	10.30	7.47
28.5	14.45	11.42	9.80	7.12
29	13.29	10.66	9.30	6.78
29.5	12.13	9.90	8.79	6.43
30	10.97	9.14	8.29	6.08
30.5	10.90	8.98	8.08	5.91
31	10.83	8.82	7.87	5.73
31.5	10.76	8.66	7.67	5.56
32	10.69	8.50	7.46	5.38
32.5	10.62	8.34	7.25	5.21
33	10.55	8.18	7.04	5.03
33.5	10.48	8.02	6.83	4.86
34	10.42	7.86	6.62	4.68
34.5	10.35	7.70	6.41	4.51
35	10.28	7.54	6.20	4.33
35.5	10.21	7.39	5.99	4.16
36	10.14	7.23	5.79	3.98
36.5	10.07	7.07	5.58	3.81
37	10.00	6.91	5.37	3.63
37.5	9.93	6.75	5.16	3.46
38	9.86	6.59	4.95	3.28
38.5	9.79	6.43	4.74	3.10
39	9.72	6.27	4.53	2.93
39.5	9.65	6.11	4.32	2.75
40	9.59	5.95	4.11	2.58
40.5	9.34	5.79	4.00	2.52
41	9.09	5.62	3.90	2.46
41.5	8.84	5.46	3.79	2.40
42	8.59	5.30	3.68	2.34
42.5	8.35	5.13	3.57	2.28
43	8.10	4.97	3.46	2.22
43.5	7.85	4.80	3.35	2.16
44	7.60	4.64	3.25	2.10
44.5	7.36	4.48	3.14	2.04
45	7.11	4.31	3.03	1.98
45.5	6.86	4.15	2.92	1.93
46	6.61	3.98	2.81	1.87
46.5	6.36	3.82	2.70	1.81
47	6.12	3.66	2.59	1.75
47.5	5.87	3.49	2.49	1.69
48	5.62	3.33	2.38	1.63
48.5	5.37	3.16	2.27	1.57
49	5.13	3.00	2.16	1.51
49.5	4.88	2.84	2.05	1.45
50	4.63	2.67	1.94	1.39
50.5	4.53	2.65	1.89	1.37
51	4.43	2.63	1.84	1.35
51.5	4.33	2.61	1.79	1.33
52	4.22	2.59	1.74	1.31
52.5	4.12	2.57	1.69	1.29
53	4.02	2.54	1.64	1.27
53.5	3.92	2.52	1.59	1.25
54	3.82	2.50	1.53	1.23
54.5	3.72	2.48	1.48	1.20
55	3.61	2.46	1.43	1.18
55.5	3.51	2.44	1.38	1.16
56	3.41	2.42	1.33	1.14
56.5	3.31	2.40	1.28	1.12
57	3.21	2.37	1.23	1.10
57.5	3.11	2.35	1.18	1.08
58	3.00	2.33	1.12	1.06
58.5	2.90	2.31	1.07	1.04
59	2.80	2.29	1.02	1.02
59.5	2.70	2.27	0.97	1.00
60	2.60	2.25	0.92	0.98
60.5	2.63	2.18	0.91	0.94
61	2.67	2.12	0.91	0.90
61.5	2.70	2.06	0.90	0.87
62	2.74	1.99	0.89	0.83
62.5	2.77	1.93	0.89	0.80
63	2.81	1.86	0.88	0.76
63.5	2.85	1.80	0.87	0.72
64	2.88	1.74	0.87	0.69
64.5	2.92	1.67	0.86	0.65
65	2.95	1.61	0.85	0.61
65.5	2.99	1.54	0.85	0.58
66	3.02	1.48	0.84	0.54
66.5	3.06	1.42	0.83	0.50
67	3.09	1.35	0.83	0.47
67.5	3.13	1.29	0.82	0.43
68	3.16	1.22	0.82	0.40
68.5	3.20	1.16	0.81	0.36
69	3.23	1.10	0.80	0.32
69.5	3.27	1.03	0.80	0.29
70	3.31	0.97	0.79	0.25
70.5	3.10	0.98	0.77	0.25
71	2.90	1.00	0.74	0.26
71.5	2.69	1.02	0.72	0.26
72	2.49	1.03	0.69	0.26
73	2.08	1.06	0.65	0.27
73.5	1.87	1.08	0.62	0.27
74	1.67	1.09	0.60	0.27
74.5	1.46	1.11	0.58	0.28
75	1.26	1.13	0.55	0.28
75.5	1.05	1.14	0.53	0.28
76	0.85	1.16	0.51	0.28
76.5	0.64	1.17	0.48	0.29
77	0.44	1.19	0.46	0.29
78	0.03	1.22	0.41	0.30
78.5	0.00	1.24	0.39	0.30
79	0.00	1.25	0.36	0.30
79.5	0.00	1.27	0.34	0.30
80	0.00	1.28	0.32	0.31
80.5	0.00	1.20	0.32	0.30
81	0.00	1.12	0.31	0.29
81.5	0.19	1.04	0.31	0.27
82	0.51	0.96	0.31	0.26
82.5	0.84	0.87	0.31	0.25
83	1.17	0.79	0.31	0.24
83.5	1.49	0.71	0.31	0.23
84	1.82	0.63	0.30	0.22
84.5	2.14	0.55	0.30	0.21
85	2.47	0.47	0.30	0.20
85.5	2.79	0.39	0.30	0.19
86	3.12	0.30	0.30	0.18
86.5	3.45	0.22	0.30	0.17
87	3.77	0.14	0.30	0.16
87.5	4.10	0.06	0.29	0.15
88	4.42	0.00	0.29	0.14
88.5	4.75	0.00	0.29	0.13
89	5.07	0.00	0.29	0.12
89.5	5.40	0.00	0.29	0.11
90	5.73	0.00	0.29	0.10
90.5	6.45	0.00	0.28	0.12
91	7.18	0.00	0.28	0.14
91.5	7.90	0.00	0.28	0.16
92	8.63	0.03	0.28	0.18
93	10.08	0.22	0.28	0.22
93.5	10.81	0.32	0.28	0.24
94	11.53	0.41	0.27	0.26
94.5	12.26	0.51	0.27	0.28
95	12.98	0.60	0.27	0.30
95.5	13.71	0.70	0.27	0.32
96	14.44	0.79	0.27	0.34
96.5	15.16	0.89	0.27	0.36
97	15.89	0.98	0.27	0.38
97.5	16.61	1.08	0.26	0.41
98	17.34	1.17	0.26	0.43
98.5	18.07	1.27	0.26	0.45
99	18.79	1.36	0.26	0.47
99.5	19.52	1.46	0.26	0.49
100	20.24	1.55	0.26	0.51

Return to figure

Figure 6.C. TransRisk Score: Existing-Account Performance (Percent Bad),
by Demographic Group

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

Figure 6.C. TransRisk Score: Existing-Account Performance (Percent Bad),
by Demographic Group
Race or ethnicity (SSA data)
Percent bad

Score	Non- Hispanic white	Black	Hispanic	Asian
0	96.46	98.36	98.77	94.24
0.5	95.75	97.79	97.98	93.71
1	95.04	97.22	97.19	93.18
1.5	94.33	96.65	96.40	92.65
2	93.62	96.08	95.61	92.12
2.5	92.91	95.51	94.82	91.59
3	92.20	94.93	94.03	91.06
3.5	91.48	94.36	93.25	90.53
4	90.77	93.79	92.46	90.00
4.5	90.06	93.22	91.67	89.47
5	89.35	92.65	90.88	88.94
5.5	88.64	92.08	90.09	88.40
6	87.93	91.50	89.30	87.87
6.5	87.22	90.93	88.51	87.34
7	86.51	90.36	87.72	86.81
7.5	85.80	89.79	86.93	86.28
8	85.09	89.22	86.14	85.75
8.5	84.38	88.65	85.35	85.22
9	83.67	88.08	84.56	84.69
9.5	82.95	87.50	83.77	84.16
10	82.24	86.93	82.99	83.63
10.5	81.20	86.36	82.26	82.00
11	80.15	85.78	81.53	80.37
11.5	79.11	85.21	80.80	78.75
12	78.06	84.64	80.08	77.12
12.5	77.02	84.06	79.35	75.49
13	75.97	83.49	78.62	73.87
13.5	74.93	82.91	77.90	72.24
14	73.88	82.34	77.17	70.61
14.5	72.84	81.76	76.44	68.99
15	71.79	81.19	75.72	67.36
15.5	70.74	80.62	74.99	65.73
16	69.70	80.04	74.26	64.10
16.5	68.65	79.47	73.54	62.48
17	67.61	78.89	72.81	60.85
17.5	66.56	78.32	72.08	59.22
18	65.52	77.75	71.35	57.60
18.5	64.47	77.17	70.63	55.97
19	63.43	76.60	69.90	54.34
19.5	62.38	76.02	69.17	52.72
20	61.34	75.45	68.45	51.09
20.5	59.57	73.55	66.42	49.86
21	57.81	71.64	64.39	48.63
21.5	56.04	69.74	62.37	47.41
22	54.28	67.84	60.34	46.18
22.5	52.52	65.94	58.31	44.95
23	50.75	64.04	56.28	43.72
23.5	48.99	62.13	54.26	42.50
24	47.22	60.23	52.23	41.27
24.5	45.46	58.33	50.20	40.04
25	43.69	56.43	48.18	38.81
25.5	41.93	54.52	46.15	37.59
26	40.17	52.62	44.12	36.36
26.5	38.40	50.72	42.10	35.13
27	36.64	48.82	40.07	33.90
27.5	34.87	46.92	38.04	32.68
28	33.11	45.01	36.01	31.45
28.5	31.34	43.11	33.99	30.22
29	29.58	41.21	31.96	28.99
29.5	27.82	39.31	29.93	27.77
30	26.05	37.40	27.91	26.54
30.5	25.30	36.39	27.25	25.61
31	24.56	35.38	26.59	24.68
31.5	23.81	34.37	25.94	23.75
32	23.06	33.36	25.28	22.82
32.5	22.31	32.35	24.62	21.90
33	21.56	31.34	23.96	20.97
33.5	20.82	30.34	23.31	20.04
34	20.07	29.33	22.65	19.11
34.5	19.32	28.32	21.99	18.18
35	18.57	27.31	21.34	17.26
35.5	17.83	26.30	20.68	16.33
36	17.08	25.29	20.02	15.40
36.5	16.33	24.28	19.36	14.47
37	15.58	23.27	18.71	13.54
37.5	14.84	22.26	18.05	12.61
38	14.09	21.25	17.39	11.69
38.5	13.34	20.24	16.74	10.76
39	12.59	19.23	16.08	9.83
39.5	11.84	18.22	15.42	8.90
40	11.10	17.21	14.77	7.97
40.5	10.78	16.83	14.38	7.82
41	10.46	16.46	14.00	7.67
41.5	10.14	16.08	13.61	7.52
42	9.82	15.71	13.23	7.37
42.5	9.50	15.33	12.84	7.22
43	9.18	14.96	12.46	7.07
43.5	8.85	14.58	12.08	6.92
44	8.53	14.21	11.69	6.77
44.5	8.21	13.83	11.31	6.62
45	7.89	13.46	10.92	6.47
45.5	7.57	13.08	10.54	6.32
46	7.25	12.71	10.16	6.17
46.5	6.93	12.33	9.77	6.02
47	6.61	11.96	9.39	5.87
47.5	6.29	11.58	9.00	5.72
48	5.97	11.21	8.62	5.57
48.5	5.65	10.83	8.24	5.42
49	5.33	10.46	7.85	5.27
49.5	5.01	10.08	7.47	5.12
50	4.69	9.71	7.08	4.97
50.5	4.58	9.56	7.00	4.82
51	4.46	9.41	6.91	4.67
51.5	4.34	9.26	6.83	4.52
52	4.23	9.11	6.75	4.37
52.5	4.11	8.97	6.66	4.22
53	4.00	8.82	6.58	4.07
53.5	3.88	8.67	6.50	3.93
54	3.77	8.52	6.41	3.78
54.5	3.65	8.37	6.33	3.63
55	3.53	8.23	6.24	3.48
55.5	3.42	8.08	6.16	3.33
56	3.30	7.93	6.08	3.18
56.5	3.19	7.78	5.99	3.03
57	3.07	7.63	5.91	2.88
57.5	2.96	7.49	5.82	2.74
58	2.84	7.34	5.74	2.59
58.5	2.72	7.19	5.66	2.44
59	2.61	7.04	5.57	2.29
59.5	2.49	6.89	5.49	2.14
60	2.38	6.75	5.40	1.99
60.5	2.34	6.64	5.25	1.96
61	2.30	6.53	5.10	1.93
61.5	2.26	6.42	4.94	1.90
62	2.22	6.31	4.79	1.88
62.5	2.18	6.20	4.63	1.85
63	2.14	6.09	4.48	1.82
63.5	2.10	5.98	4.32	1.79
64	2.06	5.88	4.17	1.76
64.5	2.02	5.77	4.01	1.73
65	1.98	5.66	3.86	1.70
65.5	1.94	5.55	3.71	1.67
66	1.90	5.44	3.55	1.64
66.5	1.86	5.33	3.40	1.62
67	1.82	5.22	3.24	1.59
67.5	1.78	5.11	3.09	1.56
68	1.74	5.01	2.93	1.53
68.5	1.70	4.90	2.78	1.50
69	1.66	4.79	2.62	1.47
69.5	1.62	4.68	2.47	1.44
70	1.58	4.57	2.32	1.41
70.5	1.54	4.39	2.27	1.43
71	1.51	4.20	2.23	1.44
71.5	1.47	4.02	2.18	1.45
72	1.44	3.84	2.14	1.47
73	1.37	3.47	2.05	1.49
73.5	1.33	3.29	2.01	1.50
74	1.30	3.11	1.96	1.52
74.5	1.26	2.92	1.92	1.53
75	1.23	2.74	1.87	1.54
75.5	1.19	2.56	1.83	1.56
76	1.16	2.37	1.79	1.57
76.5	1.12	2.19	1.74	1.58
77	1.09	2.01	1.70	1.60
78	1.01	1.64	1.61	1.62
78.5	0.98	1.46	1.57	1.64
79	0.94	1.28	1.52	1.65
79.5	0.91	1.09	1.48	1.66
80	0.87	0.91	1.43	1.67
80.5	0.87	1.00	1.41	1.61
81	0.87	1.08	1.39	1.55
81.5	0.87	1.17	1.37	1.49
82	0.88	1.25	1.34	1.42
82.5	0.88	1.34	1.32	1.36
83	0.88	1.43	1.30	1.30
83.5	0.88	1.51	1.28	1.23
84	0.88	1.60	1.25	1.17
84.5	0.88	1.68	1.23	1.11
85	0.88	1.77	1.21	1.04
85.5	0.88	1.85	1.19	0.98
86	0.88	1.94	1.16	0.92
86.5	0.88	2.03	1.14	0.86
87	0.88	2.11	1.12	0.79
87.5	0.88	2.20	1.10	0.73
88	0.88	2.28	1.07	0.67
88.5	0.88	2.37	1.05	0.60
89	0.88	2.46	1.03	0.54
89.5	0.88	2.54	1.01	0.48
90	0.88	2.63	0.98	0.41
90.5	0.86	2.54	0.97	0.42
91	0.83	2.46	0.96	0.43
91.5	0.81	2.38	0.96	0.43
92	0.78	2.30	0.95	0.44
93	0.73	2.14	0.93	0.45
93.5	0.71	2.05	0.92	0.46
94	0.68	1.97	0.91	0.46
94.5	0.66	1.89	0.90	0.47
95	0.63	1.81	0.89	0.47
95.5	0.61	1.73	0.88	0.48
96	0.58	1.64	0.87	0.49
96.5	0.56	1.56	0.86	0.49
97	0.53	1.48	0.85	0.50
97.5	0.51	1.40	0.84	0.50
98	0.48	1.32	0.83	0.51
98.5	0.46	1.23	0.82	0.52
99	0.43	1.15	0.81	0.52
99.5	0.40	1.07	0.80	0.53
100	0.38	0.99	0.79	0.53

Figure 6.C. TransRisk Score: Existing-Account Performance (Percent Bad),
by Demographic Group
Race or ethnicity (location-based distribution)
Percent bad

Score	Non- Hispanic white	Black	Hispanic	Asian
0	96.85	97.74	97.50	97.62
0.5	96.17	97.17	96.83	96.87
1	95.49	96.61	96.17	96.11
1.5	94.81	96.05	95.50	95.35
2	94.13	95.48	94.84	94.60
2.5	93.46	94.92	94.17	93.84
3	92.78	94.36	93.51	93.09
3.5	92.10	93.79	92.84	92.33
4	91.42	93.23	92.18	91.57
4.5	90.74	92.67	91.51	90.82
5	90.06	92.11	90.85	90.06
5.5	89.38	91.54	90.18	89.30
6	88.70	90.98	89.52	88.55
6.5	88.02	90.42	88.85	87.79
7	87.34	89.85	88.19	87.03
7.5	86.66	89.29	87.52	86.28
8	85.98	88.73	86.86	85.52
8.5	85.30	88.16	86.20	84.76
9	84.62	87.60	85.53	84.01
9.5	83.94	87.04	84.87	83.25
10	83.27	86.48	84.20	82.50
10.5	82.28	85.83	83.32	81.37
11	81.30	85.19	82.44	80.24
11.5	80.32	84.55	81.55	79.12
12	79.34	83.90	80.67	77.99
12.5	78.36	83.26	79.79	76.87
13	77.38	82.62	78.91	75.74
13.5	76.40	81.97	78.02	74.61
14	75.41	81.33	77.14	73.49
14.5	74.43	80.69	76.26	72.36
15	73.45	80.04	75.38	71.23
15.5	72.47	79.40	74.49	70.11
16	71.49	78.76	73.61	68.98
16.5	70.51	78.11	72.73	67.86
17	69.53	77.47	71.85	66.73
17.5	68.55	76.83	70.96	65.60
18	67.56	76.18	70.08	64.48
18.5	66.58	75.54	69.20	63.35
19	65.60	74.90	68.32	62.23
19.5	64.62	74.25	67.43	61.10
20	63.64	73.61	66.55	59.97
20.5	61.78	71.61	64.64	58.25
21	59.93	69.62	62.72	56.52
21.5	58.08	67.63	60.81	54.79
22	56.22	65.63	58.89	53.06
22.5	54.37	63.64	56.98	51.34
23	52.51	61.65	55.06	49.61
23.5	50.66	59.65	53.15	47.88
24	48.80	57.66	51.24	46.15
24.5	46.95	55.67	49.32	44.42
25	45.10	53.67	47.41	42.70
25.5	43.24	51.68	45.49	40.97
26	41.39	49.69	43.58	39.24
26.5	39.53	47.69	41.66	37.51
27	37.68	45.70	39.75	35.79
27.5	35.82	43.71	37.84	34.06
28	33.97	41.71	35.92	32.33
28.5	32.12	39.72	34.01	30.60
29	30.26	37.72	32.09	28.88
29.5	28.41	35.73	30.18	27.15
30	26.55	33.74	28.26	25.42
30.5	25.81	32.83	27.62	24.71
31	25.08	31.92	26.97	23.99
31.5	24.34	31.02	26.33	23.28
32	23.60	30.11	25.68	22.56
32.5	22.86	29.21	25.04	21.85
33	22.12	28.30	24.39	21.14
33.5	21.38	27.39	23.75	20.42
34	20.65	26.49	23.10	19.71
34.5	19.91	25.58	22.46	18.99
35	19.17	24.67	21.81	18.28
35.5	18.43	23.77	21.17	17.57
36	17.69	22.86	20.52	16.85
36.5	16.95	21.95	19.88	16.14
37	16.22	21.05	19.23	15.42
37.5	15.48	20.14	18.59	14.71
38	14.74	19.23	17.94	14.00
38.5	14.00	18.33	17.30	13.28
39	13.26	17.42	16.65	12.57
39.5	12.52	16.51	16.01	11.85
40	11.79	15.61	15.36	11.14
40.5	11.43	15.19	14.92	10.79
41	11.07	14.77	14.48	10.45
41.5	10.71	14.36	14.04	10.10
42	10.35	13.94	13.59	9.76
42.5	10.00	13.52	13.15	9.41
43	9.64	13.11	12.71	9.06
43.5	9.28	12.69	12.27	8.72
44	8.92	12.27	11.82	8.37
44.5	8.57	11.86	11.38	8.03
45	8.21	11.44	10.94	7.68
45.5	7.85	11.02	10.49	7.33
46	7.49	10.61	10.05	6.99
46.5	7.14	10.19	9.61	6.64
47	6.78	9.77	9.17	6.30
47.5	6.42	9.36	8.72	5.95
48	6.06	8.94	8.28	5.60
48.5	5.70	8.52	7.84	5.26
49	5.35	8.11	7.39	4.91
49.5	4.99	7.69	6.95	4.57
50	4.63	7.27	6.51	4.22
50.5	4.55	7.13	6.41	4.15
51	4.46	6.99	6.31	4.08
51.5	4.38	6.85	6.21	4.01
52	4.30	6.71	6.12	3.94
52.5	4.21	6.57	6.02	3.87
53	4.13	6.43	5.92	3.80
53.5	4.04	6.29	5.82	3.74
54	3.96	6.15	5.72	3.67
54.5	3.88	6.01	5.62	3.60
55	3.79	5.87	5.53	3.53
55.5	3.71	5.73	5.43	3.46
56	3.62	5.59	5.33	3.39
56.5	3.54	5.45	5.23	3.32
57	3.46	5.31	5.13	3.25
57.5	3.37	5.17	5.03	3.18
58	3.29	5.03	4.94	3.11
58.5	3.20	4.89	4.84	3.04
59	3.12	4.75	4.74	2.97
59.5	3.04	4.61	4.64	2.90
60	2.95	4.47	4.54	2.84
60.5	2.88	4.37	4.41	2.78
61	2.81	4.28	4.28	2.72
61.5	2.74	4.18	4.15	2.66
62	2.67	4.08	4.02	2.60
62.5	2.60	3.98	3.88	2.55
63	2.53	3.89	3.75	2.49
63.5	2.46	3.79	3.62	2.43
64	2.39	3.69	3.49	2.37
64.5	2.32	3.59	3.36	2.32
65	2.25	3.50	3.22	2.26
65.5	2.18	3.40	3.09	2.20
66	2.11	3.30	2.96	2.14
66.5	2.04	3.21	2.83	2.09
67	1.97	3.11	2.70	2.03
67.5	1.90	3.01	2.57	1.97
68	1.83	2.91	2.43	1.91
68.5	1.76	2.82	2.30	1.86
69	1.69	2.72	2.17	1.80
69.5	1.62	2.62	2.04	1.74
70	1.55	2.52	1.91	1.68
70.5	1.52	2.47	1.88	1.67
71	1.49	2.41	1.86	1.66
71.5	1.46	2.35	1.83	1.66
72	1.43	2.29	1.81	1.65
73	1.38	2.17	1.76	1.63
73.5	1.35	2.11	1.74	1.62
74	1.32	2.05	1.71	1.61
74.5	1.29	1.99	1.69	1.60
75	1.26	1.93	1.66	1.59
75.5	1.24	1.87	1.64	1.58
76	1.21	1.81	1.61	1.57
76.5	1.18	1.75	1.59	1.57
77	1.15	1.69	1.57	1.56
78	1.09	1.58	1.52	1.54
78.5	1.07	1.52	1.49	1.53
79	1.04	1.46	1.47	1.52
79.5	1.01	1.40	1.44	1.51
80	0.98	1.34	1.42	1.50
80.5	0.97	1.35	1.40	1.47
81	0.97	1.36	1.37	1.43
81.5	0.96	1.36	1.35	1.39
82	0.96	1.37	1.32	1.36
82.5	0.95	1.38	1.30	1.32
83	0.95	1.39	1.28	1.28
83.5	0.94	1.40	1.25	1.25
84	0.93	1.40	1.23	1.21
84.5	0.93	1.41	1.21	1.17
85	0.92	1.42	1.18	1.14
85.5	0.92	1.43	1.16	1.10
86	0.91	1.44	1.13	1.06
86.5	0.90	1.45	1.11	1.03
87	0.90	1.45	1.09	0.99
87.5	0.89	1.46	1.06	0.95
88	0.89	1.47	1.04	0.92
88.5	0.88	1.48	1.02	0.88
89	0.88	1.49	0.99	0.84
89.5	0.87	1.50	0.97	0.81
90	0.86	1.50	0.94	0.77
90.5	0.84	1.47	0.93	0.77
91	0.82	1.44	0.92	0.77
91.5	0.80	1.40	0.91	0.76
92	0.78	1.37	0.90	0.76
93	0.74	1.30	0.87	0.76
93.5	0.71	1.27	0.86	0.75
94	0.69	1.24	0.85	0.75
94.5	0.67	1.20	0.83	0.75
95	0.65	1.17	0.82	0.75
95.5	0.63	1.13	0.81	0.74
96	0.61	1.10	0.80	0.74
96.5	0.58	1.07	0.79	0.74
97	0.56	1.03	0.77	0.74
97.5	0.54	1.00	0.76	0.73
98	0.52	0.97	0.75	0.73
98.5	0.50	0.93	0.74	0.73
99	0.48	0.90	0.72	0.73
99.5	0.46	0.87	0.71	0.72
100	0.43	0.83	0.70	0.72

Figure 6.C. TransRisk Score: Existing-Account Performance (Percent Bad),
by Demographic Group
Sex
Percent bad

Score	Male	Female
0	97.97	96.59
0.5	97.21	95.99
1	96.45	95.40
1.5	95.69	94.80
2	94.93	94.20
2.5	94.17	93.61
3	93.41	93.01
3.5	92.65	92.41
4	91.89	91.82
4.5	91.13	91.22
5	90.37	90.63
5.5	89.61	90.03
6	88.86	89.43
6.5	88.10	88.84
7	87.34	88.24
7.5	86.58	87.64
8	85.82	87.05
8.5	85.06	86.45
9	84.30	85.85
9.5	83.54	85.26
10	82.78	84.66
10.5	81.84	83.69
11	80.90	82.72
11.5	79.96	81.76
12	79.02	80.79
12.5	78.08	79.82
13	77.14	78.85
13.5	76.20	77.88
14	75.26	76.91
14.5	74.32	75.94
15	73.38	74.98
15.5	72.44	74.01
16	71.50	73.04
16.5	70.56	72.07
17	69.63	71.10
17.5	68.69	70.13
18	67.75	69.16
18.5	66.81	68.20
19	65.87	67.23
19.5	64.93	66.26
20	63.99	65.29
20.5	62.09	63.48
21	60.18	61.68
21.5	58.28	59.87
22	56.38	58.07
22.5	54.48	56.26
23	52.58	54.46
23.5	50.68	52.65
24	48.77	50.85
24.5	46.87	49.04
25	44.97	47.24
25.5	43.07	45.43
26	41.17	43.63
26.5	39.26	41.82
27	37.36	40.02
27.5	35.46	38.21
28	33.56	36.41
28.5	31.66	34.60
29	29.75	32.80
29.5	27.85	30.99
30	25.95	29.19
30.5	25.25	28.34
31	24.54	27.49
31.5	23.84	26.65
32	23.13	25.80
32.5	22.43	24.95
33	21.72	24.10
33.5	21.01	23.26
34	20.31	22.41
34.5	19.60	21.56
35	18.90	20.72
35.5	18.19	19.87
36	17.49	19.02
36.5	16.78	18.17
37	16.08	17.33
37.5	15.37	16.48
38	14.67	15.63
38.5	13.96	14.79
39	13.26	13.94
39.5	12.55	13.09
40	11.85	12.24
40.5	11.50	11.90
41	11.15	11.55
41.5	10.79	11.21
42	10.44	10.86
42.5	10.09	10.52
43	9.74	10.17
43.5	9.39	9.83
44	9.04	9.48
44.5	8.68	9.14
45	8.33	8.79
45.5	7.98	8.45
46	7.63	8.10
46.5	7.28	7.76
47	6.93	7.41
47.5	6.57	7.07
48	6.22	6.72
48.5	5.87	6.38
49	5.52	6.03
49.5	5.17	5.69
50	4.82	5.34
50.5	4.71	5.22
51	4.61	5.11
51.5	4.50	4.99
52	4.39	4.87
52.5	4.29	4.76
53	4.18	4.64
53.5	4.08	4.52
54	3.97	4.40
54.5	3.87	4.29
55	3.76	4.17
55.5	3.66	4.05
56	3.55	3.94
56.5	3.45	3.82
57	3.34	3.70
57.5	3.24	3.59
58	3.13	3.47
58.5	3.02	3.35
59	2.92	3.23
59.5	2.81	3.12
60	2.71	3.00
60.5	2.67	2.93
61	2.63	2.86
61.5	2.59	2.78
62	2.55	2.71
62.5	2.51	2.64
63	2.47	2.57
63.5	2.43	2.49
64	2.39	2.42
64.5	2.35	2.35
65	2.31	2.28
65.5	2.27	2.20
66	2.23	2.13
66.5	2.19	2.06
67	2.16	1.99
67.5	2.12	1.92
68	2.08	1.84
68.5	2.04	1.77
69	2.00	1.70
69.5	1.96	1.63
70	1.92	1.55
70.5	1.86	1.54
71	1.80	1.52
71.5	1.74	1.50
72	1.68	1.48
73	1.56	1.44
73.5	1.50	1.43
74	1.44	1.41
74.5	1.38	1.39
75	1.32	1.37
75.5	1.26	1.35
76	1.20	1.33
76.5	1.14	1.32
77	1.08	1.30
78	0.96	1.26
78.5	0.90	1.24
79	0.84	1.22
79.5	0.78	1.21
80	0.72	1.19
80.5	0.74	1.17
81	0.76	1.15
81.5	0.77	1.13
82	0.79	1.11
82.5	0.81	1.10
83	0.82	1.08
83.5	0.84	1.06
84	0.86	1.04
84.5	0.88	1.02
85	0.89	1.01
85.5	0.91	0.99
86	0.93	0.97
86.5	0.94	0.95
87	0.96	0.93
87.5	0.98	0.92
88	1.00	0.90
88.5	1.01	0.88
89	1.03	0.86
89.5	1.05	0.84
90	1.07	0.82
90.5	1.04	0.80
91	1.00	0.78
91.5	0.97	0.76
92	0.94	0.74
93	0.88	0.69
93.5	0.85	0.67
94	0.82	0.65
94.5	0.79	0.63
95	0.76	0.60
95.5	0.73	0.58
96	0.70	0.56
96.5	0.67	0.54
97	0.64	0.52
97.5	0.61	0.49
98	0.58	0.47
98.5	0.55	0.45
99	0.52	0.43
99.5	0.48	0.40
100	0.45	0.38

Figure 6.C. TransRisk Score: Existing-Account Performance (Percent Bad),
by Demographic Group
Age (years)
Percent bad

Score	Younger than 30	30-39	40-49	50-61	62 or older
0	98.80	98.39	96.20	95.06	92.30
0.5	98.03	97.69	95.60	94.51	91.78
1	97.27	96.99	95.01	93.97	91.26
1.5	96.50	96.28	94.42	93.42	90.75
2	95.74	95.58	93.82	92.88	90.23
2.5	94.97	94.88	93.23	92.33	89.71
3	94.20	94.17	92.64	91.79	89.19
3.5	93.44	93.47	92.04	91.24	88.67
4	92.67	92.77	91.45	90.70	88.16
4.5	91.91	92.07	90.86	90.15	87.64
5	91.14	91.36	90.26	89.61	87.12
5.5	90.38	90.66	89.67	89.06	86.60
6	89.61	89.96	89.08	88.52	86.08
6.5	88.84	89.25	88.48	87.97	85.57
7	88.08	88.55	87.89	87.42	85.05
7.5	87.31	87.85	87.30	86.88	84.53
8	86.55	87.14	86.70	86.33	84.01
8.5	85.78	86.44	86.11	85.79	83.49
9	85.01	85.74	85.52	85.24	82.98
9.5	84.25	85.03	84.92	84.70	82.46
10	83.48	84.33	84.33	84.15	81.94
10.5	83.09	83.32	83.21	82.89	80.57
11	82.70	82.32	82.08	81.63	79.20
11.5	82.31	81.31	80.96	80.37	77.83
12	81.92	80.30	79.83	79.11	76.46
12.5	81.53	79.29	78.71	77.85	75.09
13	81.14	78.28	77.58	76.58	73.72
13.5	80.75	77.27	76.46	75.32	72.34
14	80.36	76.27	75.33	74.06	70.97
14.5	79.97	75.26	74.21	72.80	69.60
15	79.58	74.25	73.08	71.54	68.23
15.5	79.19	73.24	71.96	70.28	66.86
16	78.80	72.23	70.83	69.02	65.49
16.5	78.41	71.23	69.71	67.75	64.12
17	78.02	70.22	68.58	66.49	62.75
17.5	77.63	69.21	67.46	65.23	61.38
18	77.24	68.20	66.33	63.97	60.01
18.5	76.85	67.19	65.21	62.71	58.64
19	76.46	66.18	64.08	61.45	57.27
19.5	76.07	65.18	62.96	60.19	55.89
20	75.68	64.17	61.83	58.93	54.52
20.5	73.28	62.36	60.12	57.31	53.21
21	70.88	60.56	58.40	55.69	51.89
21.5	68.48	58.75	56.69	54.07	50.58
22	66.08	56.95	54.97	52.45	49.26
22.5	63.68	55.14	53.25	50.83	47.95
23	61.28	53.34	51.54	49.21	46.63
23.5	58.88	51.54	49.82	47.59	45.32
24	56.48	49.73	48.11	45.97	44.00
24.5	54.08	47.93	46.39	44.35	42.69
25	51.68	46.12	44.68	42.73	41.37
25.5	49.28	44.32	42.96	41.11	40.06
26	46.88	42.51	41.25	39.49	38.74
26.5	44.48	40.71	39.53	37.87	37.43
27	42.08	38.90	37.82	36.25	36.11
27.5	39.68	37.10	36.10	34.63	34.80
28	37.28	35.29	34.39	33.01	33.48
28.5	34.88	33.49	32.67	31.39	32.17
29	32.48	31.68	30.95	29.77	30.85
29.5	30.08	29.88	29.24	28.15	29.54
30	27.68	28.07	27.52	26.53	28.22
30.5	26.96	27.20	26.72	25.77	27.52
31	26.24	26.32	25.91	25.02	26.81
31.5	25.52	25.45	25.11	24.26	26.10
32	24.80	24.57	24.30	23.51	25.40
32.5	24.09	23.69	23.49	22.75	24.69
33	23.37	22.82	22.69	22.00	23.99
33.5	22.65	21.94	21.88	21.24	23.28
34	21.93	21.07	21.08	20.49	22.57
34.5	21.21	20.19	20.27	19.73	21.87
35	20.50	19.32	19.47	18.98	21.16
35.5	19.78	18.44	18.66	18.22	20.46
36	19.06	17.56	17.85	17.47	19.75
36.5	18.34	16.69	17.05	16.71	19.05
37	17.62	15.81	16.24	15.96	18.34
37.5	16.91	14.94	15.44	15.20	17.63
38	16.19	14.06	14.63	14.45	16.93
38.5	15.47	13.18	13.82	13.69	16.22
39	14.75	12.31	13.02	12.94	15.52
39.5	14.03	11.43	12.21	12.19	14.81
40	13.32	10.56	11.41	11.43	14.10
40.5	12.94	10.27	11.07	11.10	13.65
41	12.56	9.99	10.74	10.77	13.20
41.5	12.18	9.71	10.40	10.44	12.75
42	11.81	9.42	10.07	10.11	12.31
42.5	11.43	9.14	9.73	9.78	11.86
43	11.05	8.86	9.40	9.45	11.41
43.5	10.67	8.58	9.06	9.12	10.96
44	10.29	8.29	8.73	8.79	10.51
44.5	9.92	8.01	8.39	8.46	10.06
45	9.54	7.73	8.06	8.13	9.61
45.5	9.16	7.44	7.72	7.80	9.16
46	8.78	7.16	7.39	7.48	8.71
46.5	8.41	6.88	7.05	7.15	8.26
47	8.03	6.60	6.72	6.82	7.81
47.5	7.65	6.31	6.38	6.49	7.36
48	7.27	6.03	6.05	6.16	6.91
48.5	6.89	5.75	5.71	5.83	6.46
49	6.52	5.46	5.38	5.50	6.01
49.5	6.14	5.18	5.04	5.17	5.56
50	5.76	4.90	4.71	4.84	5.11
50.5	5.63	4.80	4.60	4.72	5.04
51	5.49	4.70	4.48	4.59	4.97
51.5	5.36	4.60	4.37	4.47	4.90
52	5.23	4.50	4.26	4.35	4.83
52.5	5.09	4.41	4.15	4.22	4.76
53	4.96	4.31	4.04	4.10	4.69
53.5	4.83	4.21	3.92	3.98	4.62
54	4.69	4.11	3.81	3.86	4.55
54.5	4.56	4.01	3.70	3.73	4.48
55	4.43	3.91	3.59	3.61	4.41
55.5	4.29	3.81	3.48	3.49	4.34
56	4.16	3.72	3.37	3.37	4.27
56.5	4.03	3.62	3.25	3.24	4.20
57	3.89	3.52	3.14	3.12	4.13
57.5	3.76	3.42	3.03	3.00	4.06
58	3.63	3.32	2.92	2.88	3.99
58.5	3.49	3.22	2.81	2.75	3.92
59	3.36	3.12	2.69	2.63	3.85
59.5	3.22	3.02	2.58	2.51	3.78
60	3.09	2.93	2.47	2.38	3.71
60.5	3.00	2.86	2.41	2.36	3.64
61	2.90	2.79	2.35	2.34	3.57
61.5	2.80	2.72	2.30	2.31	3.50
62	2.71	2.65	2.24	2.29	3.44
62.5	2.61	2.58	2.18	2.26	3.37
63	2.52	2.51	2.12	2.24	3.30
63.5	2.42	2.44	2.07	2.21	3.23
64	2.33	2.37	2.01	2.19	3.16
64.5	2.23	2.30	1.95	2.16	3.10
65	2.14	2.23	1.89	2.14	3.03
65.5	2.04	2.16	1.84	2.11	2.96
66	1.94	2.08	1.78	2.09	2.89
66.5	1.85	2.01	1.72	2.06	2.82
67	1.75	1.94	1.66	2.04	2.76
67.5	1.66	1.87	1.61	2.01	2.69
68	1.56	1.80	1.55	1.99	2.62
68.5	1.47	1.73	1.49	1.96	2.55
69	1.37	1.66	1.43	1.94	2.48
69.5	1.27	1.59	1.38	1.91	2.42
70	1.18	1.52	1.32	1.89	2.35
70.5	1.21	1.49	1.29	1.83	2.29
71	1.25	1.46	1.26	1.77	2.23
71.5	1.29	1.42	1.23	1.71	2.18
72	1.32	1.39	1.20	1.66	2.12
73	1.39	1.32	1.14	1.54	2.01
73.5	1.43	1.29	1.11	1.48	1.95
74	1.46	1.25	1.09	1.42	1.90
74.5	1.50	1.22	1.06	1.36	1.84
75	1.53	1.19	1.03	1.31	1.78
75.5	1.57	1.15	1.00	1.25	1.73
76	1.60	1.12	0.97	1.19	1.67
76.5	1.64	1.08	0.94	1.13	1.61
77	1.68	1.05	0.91	1.07	1.56
78	1.75	0.98	0.85	0.96	1.45
78.5	1.78	0.95	0.82	0.90	1.39
79	1.82	0.91	0.79	0.84	1.33
79.5	1.85	0.88	0.76	0.78	1.28
80	1.89	0.85	0.73	0.72	1.22
80.5	1.82	0.84	0.74	0.72	1.22
81	1.75	0.83	0.75	0.72	1.22
81.5	1.68	0.83	0.76	0.72	1.21
82	1.60	0.82	0.77	0.72	1.21
82.5	1.53	0.81	0.78	0.72	1.21
83	1.46	0.81	0.79	0.72	1.21
83.5	1.39	0.80	0.80	0.72	1.20
84	1.32	0.79	0.81	0.72	1.20
84.5	1.25	0.79	0.82	0.72	1.20
85	1.18	0.78	0.82	0.72	1.19
85.5	1.11	0.77	0.83	0.72	1.19
86	1.04	0.77	0.84	0.72	1.19
86.5	0.97	0.76	0.85	0.72	1.19
87	0.90	0.75	0.86	0.72	1.18
87.5	0.82	0.75	0.87	0.72	1.18
88	0.75	0.74	0.88	0.72	1.18
88.5	0.68	0.73	0.89	0.72	1.18
89	0.61	0.72	0.90	0.71	1.17
89.5	0.54	0.72	0.91	0.71	1.17
90	0.47	0.71	0.92	0.71	1.17
90.5	0.43	0.67	0.86	0.69	1.14
91	0.38	0.63	0.80	0.66	1.12
91.5	0.34	0.58	0.75	0.64	1.10
92	0.30	0.54	0.69	0.62	1.07
93	0.21	0.46	0.58	0.57	1.02
93.5	0.17	0.42	0.53	0.54	1.00
94	0.12	0.37	0.47	0.52	0.97
94.5	0.08	0.33	0.42	0.49	0.95
95	0.04	0.29	0.36	0.47	0.92
95.5	0.00	0.25	0.30	0.44	0.90
96	0.00	0.21	0.25	0.42	0.87
96.5	0.00	0.16	0.19	0.40	0.85
97	0.00	0.12	0.14	0.37	0.83
97.5	0.00	0.08	0.08	0.35	0.80
98	0.00	0.04	0.03	0.32	0.78
98.5	0.00	0.00	0.00	0.30	0.75
99	0.00	0.00	0.00	0.27	0.73
99.5	0.00	0.00	0.00	0.25	0.70
100	0.00	0.00	0.00	0.23	0.68

Figure 6.C. TransRisk Score: Existing-Account Performance (Percent Bad),
by Demographic Group
Marital status
Percent bad

Score	Married male	Single male	Married female	Single female
0	96.63	97.60	94.83	96.56
0.5	95.98	96.89	94.37	95.98
1	95.33	96.19	93.91	95.39
1.5	94.68	95.48	93.45	94.81
2	94.03	94.78	92.98	94.22
2.5	93.38	94.07	92.52	93.64
3	92.73	93.37	92.06	93.05
3.5	92.08	92.66	91.59	92.46
4	91.43	91.96	91.13	91.88
4.5	90.78	91.25	90.67	91.29
5	90.13	90.55	90.21	90.71
5.5	89.48	89.84	89.74	90.12
6	88.83	89.14	89.28	89.54
6.5	88.18	88.43	88.82	88.95
7	87.53	87.73	88.36	88.36
7.5	86.88	87.02	87.89	87.78
8	86.23	86.32	87.43	87.19
8.5	85.58	85.61	86.97	86.61
9	84.93	84.91	86.51	86.02
9.5	84.28	84.20	86.04	85.44
10	83.63	83.50	85.58	84.85
10.5	82.45	82.55	84.36	83.80
11	81.27	81.60	83.14	82.74
11.5	80.09	80.65	81.92	81.68
12	78.91	79.70	80.70	80.63
12.5	77.72	78.75	79.48	79.57
13	76.54	77.80	78.26	78.52
13.5	75.36	76.85	77.04	77.46
14	74.18	75.90	75.82	76.41
14.5	73.00	74.95	74.60	75.35
15	71.82	74.01	73.38	74.30
15.5	70.64	73.06	72.16	73.24
16	69.45	72.11	70.94	72.19
16.5	68.27	71.16	69.72	71.13
17	67.09	70.21	68.50	70.08
17.5	65.91	69.26	67.28	69.02
18	64.73	68.31	66.06	67.96
18.5	63.55	67.36	64.84	66.91
19	62.36	66.41	63.62	65.85
19.5	61.18	65.46	62.40	64.80
20	60.00	64.51	61.18	63.74
20.5	58.28	62.62	59.47	62.10
21	56.56	60.73	57.76	60.45
21.5	54.84	58.84	56.05	58.80
22	53.12	56.95	54.34	57.15
22.5	51.40	55.06	52.63	55.51
23	49.68	53.17	50.92	53.86
23.5	47.97	51.28	49.20	52.21
24	46.25	49.39	47.49	50.57
24.5	44.53	47.50	45.78	48.92
25	42.81	45.61	44.07	47.27
25.5	41.09	43.72	42.36	45.62
26	39.37	41.83	40.65	43.98
26.5	37.65	39.94	38.94	42.33
27	35.93	38.06	37.23	40.68
27.5	34.21	36.17	35.51	39.04
28	32.49	34.28	33.80	37.39
28.5	30.77	32.39	32.09	35.74
29	29.05	30.50	30.38	34.09
29.5	27.33	28.61	28.67	32.45
30	25.61	26.72	26.96	30.80
30.5	24.83	26.05	26.13	29.95
31	24.05	25.37	25.31	29.10
31.5	23.27	24.70	24.48	28.26
32	22.48	24.03	23.65	27.41
32.5	21.70	23.36	22.83	26.56
33	20.92	22.69	22.00	25.71
33.5	20.14	22.02	21.18	24.87
34	19.35	21.35	20.35	24.02
34.5	18.57	20.68	19.52	23.17
35	17.79	20.00	18.70	22.32
35.5	17.00	19.33	17.87	21.48
36	16.22	18.66	17.05	20.63
36.5	15.44	17.99	16.22	19.78
37	14.66	17.32	15.39	18.93
37.5	13.87	16.65	14.57	18.09
38	13.09	15.98	13.74	17.24
38.5	12.31	15.30	12.92	16.39
39	11.53	14.63	12.09	15.54
39.5	10.74	13.96	11.26	14.70
40	9.96	13.29	10.44	13.85
40.5	9.66	12.90	10.13	13.50
41	9.35	12.52	9.82	13.14
41.5	9.05	12.13	9.50	12.79
42	8.74	11.75	9.19	12.44
42.5	8.43	11.36	8.88	12.09
43	8.13	10.97	8.57	11.74
43.5	7.82	10.59	8.26	11.38
44	7.52	10.20	7.95	11.03
44.5	7.21	9.81	7.64	10.68
45	6.91	9.43	7.33	10.33
45.5	6.60	9.04	7.02	9.98
46	6.30	8.66	6.70	9.62
46.5	5.99	8.27	6.39	9.27
47	5.68	7.88	6.08	8.92
47.5	5.38	7.50	5.77	8.57
48	5.07	7.11	5.46	8.22
48.5	4.77	6.72	5.15	7.87
49	4.46	6.34	4.84	7.51
49.5	4.16	5.95	4.53	7.16
50	3.85	5.57	4.22	6.81
50.5	3.78	5.42	4.13	6.62
51	3.71	5.27	4.04	6.43
51.5	3.64	5.12	3.96	6.24
52	3.57	4.97	3.87	6.05
52.5	3.50	4.83	3.79	5.86
53	3.42	4.68	3.70	5.67
53.5	3.35	4.53	3.61	5.48
54	3.28	4.38	3.53	5.29
54.5	3.21	4.23	3.44	5.11
55	3.14	4.09	3.36	4.92
55.5	3.07	3.94	3.27	4.73
56	3.00	3.79	3.18	4.54
56.5	2.93	3.64	3.10	4.35
57	2.86	3.49	3.01	4.16
57.5	2.79	3.34	2.93	3.97
58	2.72	3.20	2.84	3.78
58.5	2.64	3.05	2.75	3.59
59	2.57	2.90	2.67	3.40
59.5	2.50	2.75	2.58	3.21
60	2.43	2.60	2.50	3.02
60.5	2.38	2.62	2.42	3.00
61	2.33	2.63	2.35	2.98
61.5	2.28	2.65	2.27	2.95
62	2.23	2.66	2.20	2.93
62.5	2.18	2.68	2.12	2.91
63	2.13	2.69	2.05	2.89
63.5	2.08	2.71	1.97	2.86
64	2.03	2.72	1.90	2.84
64.5	1.98	2.74	1.82	2.82
65	1.93	2.75	1.75	2.80
65.5	1.88	2.77	1.67	2.77
66	1.83	2.78	1.60	2.75
66.5	1.78	2.80	1.52	2.73
67	1.73	2.81	1.45	2.70
67.5	1.68	2.83	1.37	2.68
68	1.63	2.84	1.30	2.66
68.5	1.57	2.86	1.22	2.64
69	1.52	2.87	1.15	2.61
69.5	1.47	2.89	1.07	2.59
70	1.42	2.90	1.00	2.57
70.5	1.38	2.81	1.00	2.49
71	1.34	2.71	1.00	2.41
71.5	1.29	2.62	1.01	2.34
72	1.25	2.53	1.01	2.26
73	1.16	2.34	1.02	2.10
73.5	1.12	2.25	1.02	2.03
74	1.08	2.16	1.03	1.95
74.5	1.03	2.06	1.03	1.87
75	0.99	1.97	1.04	1.79
75.5	0.95	1.88	1.04	1.72
76	0.90	1.78	1.04	1.64
76.5	0.86	1.69	1.05	1.56
77	0.82	1.60	1.05	1.49
78	0.73	1.41	1.06	1.33
78.5	0.69	1.32	1.06	1.25
79	0.64	1.22	1.07	1.18
79.5	0.60	1.13	1.07	1.10
80	0.56	1.04	1.07	1.02
80.5	0.58	1.08	1.05	1.03
81	0.59	1.13	1.03	1.04
81.5	0.61	1.17	1.01	1.05
82	0.63	1.21	0.99	1.07
82.5	0.65	1.26	0.97	1.08
83	0.66	1.30	0.95	1.09
83.5	0.68	1.35	0.93	1.10
84	0.70	1.39	0.91	1.11
84.5	0.71	1.43	0.89	1.12
85	0.73	1.48	0.87	1.13
85.5	0.75	1.52	0.85	1.14
86	0.77	1.56	0.83	1.15
86.5	0.78	1.61	0.81	1.16
87	0.80	1.65	0.79	1.17
87.5	0.82	1.70	0.77	1.19
88	0.84	1.74	0.75	1.20
88.5	0.85	1.78	0.73	1.21
89	0.87	1.83	0.71	1.22
89.5	0.89	1.87	0.69	1.23
90	0.91	1.92	0.67	1.24
90.5	0.87	1.86	0.65	1.20
91	0.84	1.81	0.63	1.16
91.5	0.81	1.76	0.61	1.12
92	0.77	1.71	0.59	1.07
93	0.71	1.60	0.55	0.99
93.5	0.68	1.55	0.53	0.95
94	0.64	1.50	0.51	0.91
94.5	0.61	1.44	0.49	0.86
95	0.58	1.39	0.47	0.82
95.5	0.54	1.34	0.45	0.78
96	0.51	1.29	0.43	0.74
96.5	0.48	1.23	0.41	0.70
97	0.45	1.18	0.39	0.66
97.5	0.41	1.13	0.37	0.61
98	0.38	1.08	0.35	0.57
98.5	0.35	1.02	0.33	0.53
99	0.31	0.97	0.31	0.49
99.5	0.28	0.92	0.29	0.45
100	0.25	0.87	0.27	0.41

Figure 6.C. TransRisk Score: Existing-Account Performance (Percent Bad),
by Demographic Group
Income ratio of tract
Percent bad

Score	Low	Moderate	Middle	High
0	100.00	97.53	97.05	95.51
0.5	99.38	96.88	96.33	95.01
1	98.68	96.24	95.62	94.51
1.5	97.98	95.59	94.91	94.00
2	97.28	94.95	94.20	93.50
2.5	96.57	94.31	93.49	93.00
3	95.87	93.66	92.77	92.49
3.5	95.17	93.02	92.06	91.99
4	94.46	92.37	91.35	91.49
4.5	93.76	91.73	90.64	90.98
5	93.06	91.08	89.92	90.48
5.5	92.36	90.44	89.21	89.98
6	91.65	89.80	88.50	89.47
6.5	90.95	89.15	87.79	88.97
7	90.25	88.51	87.07	88.47
7.5	89.54	87.86	86.36	87.96
8	88.84	87.22	85.65	87.46
8.5	88.14	86.58	84.94	86.96
9	87.44	85.93	84.23	86.45
9.5	86.73	85.29	83.51	85.95
10	86.03	84.64	82.80	85.45
10.5	85.59	83.89	81.88	84.16
11	85.14	83.14	80.96	82.86
11.5	84.70	82.39	80.04	81.57
12	84.26	81.63	79.12	80.28
12.5	83.81	80.88	78.20	78.99
13	83.37	80.13	77.28	77.70
13.5	82.93	79.38	76.36	76.41
14	82.49	78.62	75.45	75.11
14.5	82.04	77.87	74.53	73.82
15	81.60	77.12	73.61	72.53
15.5	81.16	76.36	72.69	71.24
16	80.71	75.61	71.77	69.95
16.5	80.27	74.86	70.85	68.66
17	79.83	74.11	69.93	67.36
17.5	79.39	73.35	69.01	66.07
18	78.94	72.60	68.09	64.78
18.5	78.50	71.85	67.17	63.49
19	78.06	71.10	66.25	62.20
19.5	77.61	70.34	65.33	60.91
20	77.17	69.59	64.41	59.61
20.5	75.00	67.59	62.57	57.84
21	72.83	65.60	60.74	56.06
21.5	70.65	63.60	58.90	54.28
22	68.48	61.61	57.06	52.50
22.5	66.31	59.61	55.23	50.72
23	64.13	57.62	53.39	48.94
23.5	61.96	55.62	51.56	47.16
24	59.78	53.62	49.72	45.38
24.5	57.61	51.63	47.88	43.60
25	55.44	49.63	46.05	41.83
25.5	53.26	47.64	44.21	40.05
26	51.09	45.64	42.37	38.27
26.5	48.92	43.65	40.54	36.49
27	46.74	41.65	38.70	34.71
27.5	44.57	39.65	36.86	32.93
28	42.40	37.66	35.03	31.15
28.5	40.22	35.66	33.19	29.37
29	38.05	33.67	31.35	27.60
29.5	35.88	31.67	29.52	25.82
30	33.70	29.68	27.68	24.04
30.5	33.05	28.96	26.92	23.33
31	32.39	28.25	26.17	22.61
31.5	31.74	27.53	25.41	21.90
32	31.08	26.82	24.66	21.19
32.5	30.43	26.10	23.90	20.48
33	29.77	25.39	23.14	19.77
33.5	29.12	24.67	22.39	19.06
34	28.46	23.96	21.63	18.34
34.5	27.81	23.24	20.88	17.63
35	27.15	22.53	20.12	16.92
35.5	26.50	21.81	19.36	16.21
36	25.84	21.10	18.61	15.50
36.5	25.19	20.39	17.85	14.78
37	24.53	19.67	17.10	14.07
37.5	23.88	18.96	16.34	13.36
38	23.22	18.24	15.58	12.65
38.5	22.57	17.53	14.83	11.94
39	21.91	16.81	14.07	11.23
39.5	21.26	16.10	13.32	10.51
40	20.60	15.38	12.56	9.80
40.5	19.95	14.95	12.18	9.51
41	19.30	14.51	11.81	9.22
41.5	18.64	14.08	11.43	8.92
42	17.99	13.64	11.06	8.63
42.5	17.33	13.21	10.68	8.34
43	16.68	12.77	10.30	8.04
43.5	16.03	12.33	9.93	7.75
44	15.37	11.90	9.55	7.46
44.5	14.72	11.46	9.17	7.16
45	14.07	11.03	8.80	6.87
45.5	13.41	10.59	8.42	6.58
46	12.76	10.16	8.05	6.29
46.5	12.11	9.72	7.67	5.99
47	11.45	9.29	7.29	5.70
47.5	10.80	8.85	6.92	5.41
48	10.15	8.42	6.54	5.11
48.5	9.49	7.98	6.16	4.82
49	8.84	7.55	5.79	4.53
49.5	8.19	7.11	5.41	4.23
50	7.53	6.67	5.03	3.94
50.5	7.51	6.53	4.94	3.88
51	7.49	6.39	4.85	3.81
51.5	7.47	6.24	4.76	3.75
52	7.45	6.10	4.67	3.68
52.5	7.42	5.96	4.58	3.62
53	7.40	5.81	4.49	3.55
53.5	7.38	5.67	4.40	3.49
54	7.36	5.53	4.31	3.42
54.5	7.34	5.38	4.22	3.36
55	7.31	5.24	4.12	3.29
55.5	7.29	5.10	4.03	3.23
56	7.27	4.95	3.94	3.16
56.5	7.25	4.81	3.85	3.10
57	7.23	4.66	3.76	3.03
57.5	7.21	4.52	3.67	2.97
58	7.18	4.38	3.58	2.90
58.5	7.16	4.23	3.49	2.84
59	7.14	4.09	3.40	2.77
59.5	7.12	3.95	3.30	2.71
60	7.10	3.80	3.21	2.64
60.5	6.96	3.72	3.13	2.57
61	6.83	3.64	3.06	2.50
61.5	6.69	3.57	2.98	2.43
62	6.56	3.49	2.90	2.36
62.5	6.42	3.41	2.82	2.29
63	6.29	3.33	2.74	2.23
63.5	6.15	3.25	2.66	2.16
64	6.02	3.17	2.58	2.09
64.5	5.88	3.09	2.50	2.02
65	5.75	3.01	2.43	1.95
65.5	5.61	2.93	2.35	1.88
66	5.48	2.85	2.27	1.81
66.5	5.34	2.77	2.19	1.74
67	5.21	2.69	2.11	1.67
67.5	5.07	2.61	2.03	1.60
68	4.94	2.53	1.95	1.53
68.5	4.80	2.45	1.87	1.46
69	4.67	2.37	1.79	1.39
69.5	4.53	2.30	1.72	1.33
70	4.40	2.22	1.64	1.26
70.5	4.24	2.19	1.60	1.24
71	4.08	2.17	1.57	1.23
71.5	3.92	2.14	1.53	1.22
72	3.76	2.12	1.50	1.20
73	3.44	2.07	1.43	1.18
73.5	3.28	2.05	1.39	1.16
74	3.12	2.02	1.35	1.15
74.5	2.95	2.00	1.32	1.14
75	2.79	1.97	1.28	1.13
75.5	2.63	1.95	1.25	1.11
76	2.47	1.92	1.21	1.10
76.5	2.31	1.90	1.18	1.09
77	2.15	1.87	1.14	1.07
78	1.83	1.83	1.07	1.05
78.5	1.67	1.80	1.04	1.03
79	1.51	1.78	1.00	1.02
79.5	1.35	1.75	0.97	1.01
80	1.19	1.73	0.93	1.00
80.5	1.16	1.70	0.93	0.98
81	1.13	1.66	0.94	0.97
81.5	1.10	1.63	0.94	0.95
82	1.08	1.60	0.94	0.94
82.5	1.05	1.57	0.95	0.93
83	1.02	1.54	0.95	0.91
83.5	0.99	1.51	0.95	0.90
84	0.96	1.48	0.96	0.89
84.5	0.93	1.44	0.96	0.87
85	0.90	1.41	0.96	0.86
85.5	0.87	1.38	0.97	0.84
86	0.85	1.35	0.97	0.83
86.5	0.82	1.32	0.97	0.82
87	0.79	1.29	0.98	0.80
87.5	0.76	1.26	0.98	0.79
88	0.73	1.22	0.98	0.77
88.5	0.70	1.19	0.99	0.76
89	0.67	1.16	0.99	0.75
89.5	0.64	1.13	0.99	0.73
90	0.61	1.10	1.00	0.72
90.5	0.61	1.09	0.97	0.70
91	0.61	1.08	0.94	0.69
91.5	0.60	1.07	0.92	0.67
92	0.60	1.06	0.89	0.65
93	0.59	1.05	0.83	0.62
93.5	0.58	1.04	0.81	0.60
94	0.58	1.03	0.78	0.59
94.5	0.57	1.02	0.75	0.57
95	0.57	1.01	0.72	0.55
95.5	0.56	1.00	0.70	0.54
96	0.56	1.00	0.67	0.52
96.5	0.55	0.99	0.64	0.50
97	0.55	0.98	0.62	0.49
97.5	0.55	0.97	0.59	0.47
98	0.54	0.96	0.56	0.45
98.5	0.54	0.95	0.53	0.44
99	0.53	0.95	0.51	0.42
99.5	0.53	0.94	0.48	0.40
100	0.52	0.93	0.45	0.39

Return to figure

Figure 6.D. TransRisk Score: Random-Account Performance (Percent Bad),
by Demographic Group

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

Figure 6.D. TransRisk Score: Random-Account Performance (Percent Bad),
by Demographic Group
Race or ethnicity (SSA data)
Percent bad

Score	Non- Hispanic white	Black	Hispanic	Asian
0	79.34	81.51	78.66	78.69
0.5	77.74	80.00	77.14	77.21
1	76.14	78.49	75.61	75.74
1.5	74.54	76.98	74.08	74.27
2	72.94	75.47	72.56	72.79
2.5	71.34	73.96	71.03	71.32
3	69.74	72.45	69.51	69.85
3.5	68.14	70.94	67.98	68.37
4	66.54	69.43	66.46	66.90
4.5	64.95	67.92	64.93	65.43
5	63.35	66.41	63.40	63.95
5.5	61.75	64.90	61.88	62.48
6	60.15	63.39	60.35	61.01
6.5	58.55	61.88	58.83	59.54
7	56.95	60.37	57.30	58.06
7.5	55.35	58.86	55.78	56.59
8	53.75	57.35	54.25	55.12
8.5	52.15	55.84	52.72	53.64
9	50.55	54.33	51.20	52.17
9.5	48.95	52.82	49.67	50.70
10	47.35	51.31	48.15	49.22
10.5	46.48	50.87	47.52	47.99
11	45.61	50.44	46.89	46.76
11.5	44.74	50.00	46.26	45.53
12	43.87	49.57	45.63	44.30
12.5	43.00	49.13	44.99	43.07
13	42.13	48.70	44.36	41.84
13.5	41.26	48.26	43.73	40.60
14	40.39	47.82	43.10	39.37
14.5	39.52	47.39	42.47	38.14
15	38.65	46.95	41.84	36.91
15.5	37.78	46.52	41.21	35.68
16	36.91	46.08	40.58	34.45
16.5	36.04	45.65	39.95	33.22
17	35.17	45.21	39.32	31.99
17.5	34.30	44.77	38.69	30.76
18	33.44	44.34	38.06	29.53
18.5	32.57	43.90	37.43	28.29
19	31.70	43.47	36.80	27.06
19.5	30.83	43.03	36.17	25.83
20	29.96	42.60	35.54	24.60
20.5	28.91	41.10	34.25	23.88
21	27.87	39.61	32.96	23.16
21.5	26.82	38.12	31.67	22.44
22	25.78	36.63	30.37	21.72
22.5	24.74	35.13	29.08	21.00
23	23.69	33.64	27.79	20.28
23.5	22.65	32.15	26.50	19.56
24	21.61	30.66	25.21	18.83
24.5	20.56	29.17	23.92	18.11
25	19.52	27.67	22.63	17.39
25.5	18.47	26.18	21.34	16.67
26	17.43	24.69	20.05	15.95
26.5	16.39	23.20	18.75	15.23
27	15.34	21.71	17.46	14.51
27.5	14.30	20.21	16.17	13.79
28	13.26	18.72	14.88	13.07
28.5	12.21	17.23	13.59	12.35
29	11.17	15.74	12.30	11.63
29.5	10.12	14.25	11.01	10.91
30	9.08	12.75	9.72	10.18
30.5	8.85	12.50	9.51	9.86
31	8.63	12.25	9.29	9.53
31.5	8.40	12.00	9.08	9.21
32	8.17	11.75	8.87	8.88
32.5	7.95	11.50	8.66	8.55
33	7.72	11.25	8.45	8.23
33.5	7.49	11.00	8.24	7.90
34	7.27	10.75	8.03	7.58
34.5	7.04	10.50	7.82	7.25
35	6.81	10.25	7.61	6.92
35.5	6.59	9.99	7.40	6.60
36	6.36	9.74	7.18	6.27
36.5	6.13	9.49	6.97	5.94
37	5.91	9.24	6.76	5.62
37.5	5.68	8.99	6.55	5.29
38	5.45	8.74	6.34	4.97
38.5	5.23	8.49	6.13	4.64
39	5.00	8.24	5.92	4.31
39.5	4.78	7.99	5.71	3.99
40	4.55	7.74	5.50	3.66
40.5	4.40	7.52	5.35	3.60
41	4.25	7.30	5.21	3.53
41.5	4.11	7.09	5.07	3.46
42	3.96	6.87	4.92	3.40
42.5	3.81	6.66	4.78	3.33
43	3.66	6.44	4.64	3.27
43.5	3.52	6.22	4.50	3.20
44	3.37	6.01	4.35	3.13
44.5	3.22	5.79	4.21	3.07
45	3.08	5.57	4.07	3.00
45.5	2.93	5.36	3.92	2.93
46	2.78	5.14	3.78	2.87
46.5	2.63	4.93	3.64	2.80
47	2.49	4.71	3.49	2.74
47.5	2.34	4.49	3.35	2.67
48	2.19	4.28	3.21	2.60
48.5	2.04	4.06	3.07	2.54
49	1.90	3.84	2.92	2.47
49.5	1.75	3.63	2.78	2.41
50	1.60	3.41	2.64	2.34
50.5	1.56	3.42	2.63	2.28
51	1.53	3.42	2.62	2.21
51.5	1.49	3.43	2.62	2.14
52	1.45	3.44	2.61	2.08
52.5	1.41	3.44	2.60	2.01
53	1.37	3.45	2.59	1.95
53.5	1.34	3.46	2.59	1.88
54	1.30	3.46	2.58	1.82
54.5	1.26	3.47	2.57	1.75
55	1.22	3.48	2.57	1.69
55.5	1.18	3.48	2.56	1.62
56	1.15	3.49	2.55	1.56
56.5	1.11	3.50	2.55	1.49
57	1.07	3.50	2.54	1.43
57.5	1.03	3.51	2.53	1.36
58	0.99	3.52	2.52	1.30
58.5	0.96	3.52	2.52	1.23
59	0.92	3.53	2.51	1.17
59.5	0.88	3.54	2.50	1.10
60	0.84	3.54	2.50	1.04
60.5	0.83	3.42	2.43	1.01
61	0.81	3.30	2.36	0.97
61.5	0.80	3.18	2.29	0.94
62	0.78	3.06	2.22	0.91
62.5	0.77	2.95	2.15	0.88
63	0.75	2.83	2.09	0.84
63.5	0.74	2.71	2.02	0.81
64	0.72	2.59	1.95	0.78
64.5	0.71	2.47	1.88	0.74
65	0.69	2.35	1.81	0.71
65.5	0.68	2.23	1.74	0.68
66	0.66	2.11	1.67	0.65
66.5	0.65	1.99	1.61	0.61
67	0.63	1.87	1.54	0.58
67.5	0.62	1.75	1.47	0.55
68	0.60	1.63	1.40	0.52
68.5	0.59	1.51	1.33	0.48
69	0.57	1.39	1.26	0.45
69.5	0.56	1.27	1.19	0.42
70	0.55	1.15	1.13	0.38
70.5	0.53	1.12	1.08	0.39
71	0.52	1.08	1.04	0.40
71.5	0.51	1.05	1.00	0.42
72	0.50	1.02	0.96	0.43
73	0.47	0.95	0.87	0.45
73.5	0.46	0.92	0.83	0.46
74	0.45	0.89	0.79	0.47
74.5	0.44	0.86	0.75	0.48
75	0.43	0.83	0.70	0.49
75.5	0.41	0.79	0.66	0.50
76	0.40	0.76	0.62	0.51
76.5	0.39	0.73	0.58	0.52
77	0.38	0.70	0.54	0.53
78	0.35	0.63	0.45	0.55
78.5	0.34	0.60	0.41	0.56
79	0.33	0.57	0.37	0.57
79.5	0.32	0.53	0.32	0.58
80	0.31	0.50	0.28	0.59
80.5	0.30	0.50	0.29	0.57
81	0.30	0.49	0.29	0.55
81.5	0.30	0.49	0.30	0.53
82	0.29	0.48	0.30	0.51
82.5	0.29	0.48	0.31	0.49
83	0.29	0.47	0.31	0.46
83.5	0.28	0.47	0.32	0.44
84	0.28	0.46	0.32	0.42
84.5	0.28	0.46	0.33	0.40
85	0.28	0.46	0.33	0.38
85.5	0.27	0.45	0.34	0.36
86	0.27	0.45	0.34	0.34
86.5	0.27	0.44	0.35	0.32
87	0.26	0.44	0.35	0.30
87.5	0.26	0.43	0.36	0.27
88	0.26	0.43	0.36	0.25
88.5	0.25	0.42	0.37	0.23
89	0.25	0.42	0.38	0.21
89.5	0.25	0.41	0.38	0.19
90	0.24	0.41	0.39	0.17
90.5	0.25	0.40	0.38	0.18
91	0.25	0.40	0.37	0.18
91.5	0.25	0.39	0.36	0.19
92	0.25	0.38	0.36	0.20
93	0.26	0.37	0.34	0.21
93.5	0.26	0.37	0.34	0.22
94	0.26	0.36	0.33	0.23
94.5	0.26	0.35	0.32	0.24
95	0.26	0.35	0.32	0.24
95.5	0.27	0.34	0.31	0.25
96	0.27	0.34	0.30	0.26
96.5	0.27	0.33	0.29	0.27
97	0.27	0.32	0.29	0.28
97.5	0.27	0.32	0.28	0.28
98	0.28	0.31	0.27	0.29
98.5	0.28	0.31	0.27	0.30
99	0.28	0.30	0.26	0.31
99.5	0.28	0.29	0.25	0.31
100	0.28	0.29	0.24	0.32

Figure 6.D. TransRisk Score: Random-Account Performance (Percent Bad),
by Demographic Group
Race or ethnicity (location-based distribution)
Percent bad

Score	Non- Hispanic white	Black	Hispanic	Asian
0	79.63	81.33	79.19	81.49
0.5	78.03	79.85	77.69	79.83
1	76.42	78.38	76.19	78.18
1.5	74.82	76.91	74.70	76.53
2	73.22	75.44	73.20	74.88
2.5	71.62	73.96	71.71	73.23
3	70.01	72.49	70.21	71.58
3.5	68.41	71.02	68.72	69.93
4	66.81	69.55	67.22	68.27
4.5	65.20	68.07	65.73	66.62
5	63.60	66.60	64.23	64.97
5.5	62.00	65.13	62.73	63.32
6	60.39	63.66	61.24	61.67
6.5	58.79	62.18	59.74	60.02
7	57.19	60.71	58.25	58.36
7.5	55.58	59.24	56.75	56.71
8	53.98	57.77	55.26	55.06
8.5	52.38	56.29	53.76	53.41
9	50.77	54.82	52.27	51.76
9.5	49.17	53.35	50.77	50.11
10	47.57	51.88	49.28	48.45
10.5	46.81	51.38	48.66	47.68
11	46.05	50.88	48.04	46.90
11.5	45.30	50.39	47.42	46.13
12	44.54	49.89	46.80	45.35
12.5	43.78	49.39	46.18	44.57
13	43.03	48.89	45.56	43.80
13.5	42.27	48.40	44.94	43.02
14	41.51	47.90	44.33	42.24
14.5	40.76	47.40	43.71	41.47
15	40.00	46.90	43.09	40.69
15.5	39.24	46.41	42.47	39.91
16	38.49	45.91	41.85	39.14
16.5	37.73	45.41	41.23	38.36
17	36.98	44.92	40.61	37.58
17.5	36.22	44.42	39.99	36.81
18	35.46	43.92	39.38	36.03
18.5	34.71	43.42	38.76	35.25
19	33.95	42.93	38.14	34.48
19.5	33.19	42.43	37.52	33.70
20	32.44	41.93	36.90	32.93
20.5	31.28	40.43	35.59	31.75
21	30.12	38.92	34.27	30.57
21.5	28.96	37.42	32.96	29.40
22	27.80	35.92	31.64	28.22
22.5	26.65	34.41	30.33	27.04
23	25.49	32.91	29.01	25.87
23.5	24.33	31.40	27.70	24.69
24	23.17	29.90	26.38	23.52
24.5	22.01	28.39	25.07	22.34
25	20.86	26.89	23.75	21.16
25.5	19.70	25.39	22.44	19.99
26	18.54	23.88	21.12	18.81
26.5	17.38	22.38	19.81	17.64
27	16.22	20.87	18.49	16.46
27.5	15.07	19.37	17.18	15.28
28	13.91	17.86	15.86	14.11
28.5	12.75	16.36	14.55	12.93
29	11.59	14.86	13.23	11.75
29.5	10.43	13.35	11.92	10.58
30	9.28	11.85	10.60	9.40
30.5	9.06	11.61	10.40	9.20
31	8.85	11.37	10.21	8.99
31.5	8.64	11.13	10.01	8.79
32	8.42	10.89	9.81	8.58
32.5	8.21	10.65	9.61	8.37
33	7.99	10.40	9.41	8.17
33.5	7.78	10.16	9.21	7.96
34	7.57	9.92	9.01	7.76
34.5	7.35	9.68	8.81	7.55
35	7.14	9.44	8.61	7.35
35.5	6.93	9.20	8.41	7.14
36	6.71	8.96	8.21	6.93
36.5	6.50	8.72	8.01	6.73
37	6.28	8.48	7.81	6.52
37.5	6.07	8.24	7.62	6.32
38	5.86	8.00	7.42	6.11
38.5	5.64	7.76	7.22	5.91
39	5.43	7.52	7.02	5.70
39.5	5.22	7.28	6.82	5.50
40	5.00	7.04	6.62	5.29
40.5	4.84	6.84	6.42	5.11
41	4.67	6.64	6.22	4.93
41.5	4.51	6.44	6.02	4.75
42	4.34	6.25	5.82	4.57
42.5	4.17	6.05	5.63	4.39
43	4.01	5.85	5.43	4.21
43.5	3.84	5.65	5.23	4.03
44	3.68	5.45	5.03	3.85
44.5	3.51	5.25	4.83	3.67
45	3.35	5.06	4.63	3.49
45.5	3.18	4.86	4.43	3.31
46	3.02	4.66	4.23	3.13
46.5	2.85	4.46	4.03	2.95
47	2.69	4.26	3.84	2.77
47.5	2.52	4.06	3.64	2.59
48	2.36	3.87	3.44	2.41
48.5	2.19	3.67	3.24	2.23
49	2.03	3.47	3.04	2.05
49.5	1.86	3.27	2.84	1.87
50	1.69	3.07	2.64	1.69
50.5	1.67	3.02	2.62	1.67
51	1.65	2.97	2.59	1.66
51.5	1.63	2.91	2.56	1.65
52	1.60	2.86	2.54	1.63
52.5	1.58	2.81	2.51	1.62
53	1.56	2.75	2.49	1.61
53.5	1.54	2.70	2.46	1.59
54	1.51	2.65	2.43	1.58
54.5	1.49	2.59	2.41	1.57
55	1.47	2.54	2.38	1.55
55.5	1.44	2.49	2.36	1.54
56	1.42	2.43	2.33	1.53
56.5	1.40	2.38	2.30	1.51
57	1.38	2.33	2.28	1.50
57.5	1.35	2.27	2.25	1.49
58	1.33	2.22	2.22	1.47
58.5	1.31	2.17	2.20	1.46
59	1.29	2.12	2.17	1.45
59.5	1.26	2.06	2.15	1.43
60	1.24	2.01	2.12	1.42
60.5	1.21	1.97	2.05	1.38
61	1.17	1.93	1.98	1.34
61.5	1.14	1.89	1.91	1.29
62	1.10	1.85	1.84	1.25
62.5	1.07	1.80	1.77	1.21
63	1.04	1.76	1.70	1.17
63.5	1.00	1.72	1.63	1.12
64	0.97	1.68	1.56	1.08
64.5	0.93	1.64	1.49	1.04
65	0.90	1.60	1.42	1.00
65.5	0.86	1.56	1.35	0.96
66	0.83	1.52	1.28	0.91
66.5	0.80	1.48	1.21	0.87
67	0.76	1.44	1.14	0.83
67.5	0.73	1.39	1.07	0.79
68	0.69	1.35	1.00	0.74
68.5	0.66	1.31	0.93	0.70
69	0.63	1.27	0.86	0.66
69.5	0.59	1.23	0.79	0.62
70	0.56	1.19	0.72	0.57
70.5	0.55	1.15	0.71	0.57
71	0.54	1.11	0.69	0.57
71.5	0.53	1.07	0.68	0.58
72	0.51	1.03	0.66	0.58
73	0.49	0.96	0.63	0.58
73.5	0.48	0.92	0.62	0.58
74	0.47	0.88	0.60	0.58
74.5	0.46	0.84	0.58	0.58
75	0.45	0.80	0.57	0.58
75.5	0.44	0.76	0.55	0.58
76	0.43	0.72	0.54	0.58
76.5	0.42	0.69	0.52	0.58
77	0.41	0.65	0.51	0.58
78	0.38	0.57	0.48	0.59
78.5	0.37	0.53	0.46	0.59
79	0.36	0.49	0.45	0.59
79.5	0.35	0.45	0.43	0.59
80	0.34	0.41	0.42	0.59
80.5	0.34	0.41	0.41	0.57
81	0.33	0.41	0.41	0.56
81.5	0.32	0.41	0.41	0.54
82	0.32	0.41	0.41	0.52
82.5	0.31	0.40	0.40	0.50
83	0.30	0.40	0.40	0.49
83.5	0.30	0.40	0.40	0.47
84	0.29	0.40	0.40	0.45
84.5	0.29	0.39	0.39	0.44
85	0.28	0.39	0.39	0.42
85.5	0.27	0.39	0.39	0.40
86	0.27	0.39	0.39	0.39
86.5	0.26	0.38	0.38	0.37
87	0.26	0.38	0.38	0.35
87.5	0.25	0.38	0.38	0.33
88	0.24	0.38	0.38	0.32
88.5	0.24	0.37	0.37	0.30
89	0.23	0.37	0.37	0.28
89.5	0.23	0.37	0.37	0.27
90	0.22	0.37	0.37	0.25
90.5	0.22	0.38	0.37	0.26
91	0.23	0.39	0.37	0.27
91.5	0.23	0.40	0.37	0.28
92	0.24	0.42	0.37	0.29
93	0.25	0.44	0.37	0.30
93.5	0.25	0.45	0.37	0.31
94	0.26	0.47	0.37	0.32
94.5	0.26	0.48	0.37	0.33
95	0.27	0.49	0.37	0.34
95.5	0.27	0.50	0.38	0.35
96	0.28	0.52	0.38	0.36
96.5	0.28	0.53	0.38	0.37
97	0.29	0.54	0.38	0.38
97.5	0.29	0.55	0.38	0.39
98	0.30	0.56	0.38	0.40
98.5	0.30	0.58	0.38	0.41
99	0.31	0.59	0.38	0.42
99.5	0.31	0.60	0.38	0.42
100	0.31	0.61	0.38	0.43

Figure 6.D. TransRisk Score: Random-Account Performance (Percent Bad),
by Demographic Group
Sex
Percent bad

Score	Male	Female
0	81.16	78.76
0.5	79.57	77.22
1	77.97	75.67
1.5	76.38	74.13
2	74.78	72.58
2.5	73.19	71.04
3	71.60	69.49
3.5	70.00	67.95
4	68.41	66.40
4.5	66.81	64.86
5	65.22	63.31
5.5	63.63	61.77
6	62.03	60.22
6.5	60.44	58.68
7	58.84	57.13
7.5	57.25	55.59
8	55.66	54.04
8.5	54.06	52.50
9	52.47	50.96
9.5	50.87	49.41
10	49.28	47.87
10.5	48.49	47.10
11	47.70	46.32
11.5	46.90	45.55
12	46.11	44.78
12.5	45.32	44.01
13	44.53	43.24
13.5	43.74	42.47
14	42.94	41.70
14.5	42.15	40.93
15	41.36	40.16
15.5	40.57	39.39
16	39.78	38.62
16.5	38.98	37.85
17	38.19	37.08
17.5	37.40	36.31
18	36.61	35.54
18.5	35.82	34.77
19	35.02	34.00
19.5	34.23	33.23
20	33.44	32.45
20.5	32.23	31.33
21	31.02	30.21
21.5	29.82	29.08
22	28.61	27.96
22.5	27.40	26.83
23	26.19	25.71
23.5	24.99	24.58
24	23.78	23.46
24.5	22.57	22.33
25	21.36	21.21
25.5	20.15	20.08
26	18.95	18.96
26.5	17.74	17.83
27	16.53	16.71
27.5	15.32	15.59
28	14.11	14.46
28.5	12.91	13.34
29	11.70	12.21
29.5	10.49	11.09
30	9.28	9.96
30.5	9.07	9.71
31	8.86	9.46
31.5	8.64	9.20
32	8.43	8.95
32.5	8.22	8.70
33	8.01	8.44
33.5	7.79	8.19
34	7.58	7.94
34.5	7.37	7.69
35	7.16	7.43
35.5	6.94	7.18
36	6.73	6.93
36.5	6.52	6.67
37	6.31	6.42
37.5	6.09	6.17
38	5.88	5.91
38.5	5.67	5.66
39	5.46	5.41
39.5	5.24	5.16
40	5.03	4.90
40.5	4.86	4.75
41	4.69	4.61
41.5	4.53	4.46
42	4.36	4.31
42.5	4.19	4.16
43	4.02	4.01
43.5	3.86	3.86
44	3.69	3.72
44.5	3.52	3.57
45	3.35	3.42
45.5	3.19	3.27
46	3.02	3.12
46.5	2.85	2.97
47	2.68	2.83
47.5	2.51	2.68
48	2.35	2.53
48.5	2.18	2.38
49	2.01	2.23
49.5	1.84	2.09
50	1.68	1.94
50.5	1.65	1.89
51	1.63	1.85
51.5	1.60	1.81
52	1.58	1.76
52.5	1.55	1.72
53	1.53	1.68
53.5	1.51	1.64
54	1.48	1.59
54.5	1.46	1.55
55	1.43	1.51
55.5	1.41	1.46
56	1.38	1.42
56.5	1.36	1.38
57	1.33	1.33
57.5	1.31	1.29
58	1.29	1.25
58.5	1.26	1.20
59	1.24	1.16
59.5	1.21	1.12
60	1.19	1.07
60.5	1.16	1.05
61	1.14	1.02
61.5	1.11	0.99
62	1.09	0.96
62.5	1.06	0.93
63	1.04	0.90
63.5	1.01	0.87
64	0.99	0.84
64.5	0.96	0.81
65	0.94	0.78
65.5	0.91	0.75
66	0.89	0.72
66.5	0.86	0.70
67	0.84	0.67
67.5	0.81	0.64
68	0.79	0.61
68.5	0.76	0.58
69	0.74	0.55
69.5	0.71	0.52
70	0.69	0.49
70.5	0.67	0.49
71	0.64	0.48
71.5	0.62	0.48
72	0.60	0.48
73	0.55	0.47
73.5	0.53	0.47
74	0.50	0.46
74.5	0.48	0.46
75	0.45	0.46
75.5	0.43	0.45
76	0.41	0.45
76.5	0.38	0.45
77	0.36	0.44
78	0.31	0.44
78.5	0.29	0.43
79	0.27	0.43
79.5	0.24	0.43
80	0.22	0.42
80.5	0.22	0.41
81	0.23	0.40
81.5	0.23	0.39
82	0.23	0.38
82.5	0.24	0.37
83	0.24	0.36
83.5	0.24	0.35
84	0.25	0.34
84.5	0.25	0.33
85	0.25	0.32
85.5	0.26	0.31
86	0.26	0.30
86.5	0.26	0.29
87	0.27	0.28
87.5	0.27	0.27
88	0.27	0.26
88.5	0.28	0.25
89	0.28	0.24
89.5	0.29	0.23
90	0.29	0.22
90.5	0.29	0.22
91	0.30	0.22
91.5	0.30	0.22
92	0.31	0.22
93	0.31	0.22
93.5	0.32	0.22
94	0.32	0.22
94.5	0.33	0.22
95	0.33	0.22
95.5	0.33	0.22
96	0.34	0.22
96.5	0.34	0.22
97	0.35	0.22
97.5	0.35	0.21
98	0.36	0.21
98.5	0.36	0.21
99	0.36	0.21
99.5	0.37	0.21
100	0.37	0.21

Figure 6.D. TransRisk Score: Random-Account Performance (Percent Bad),
by Demographic Group
Age (years)
Percent bad

Score	Younger than 30	30-39	40-49	50-61	62 or older
0	81.49	81.03	79.06	77.67	71.25
0.5	80.02	79.48	77.52	76.02	69.96
1	78.55	77.94	75.98	74.37	68.68
1.5	77.08	76.39	74.44	72.72	67.40
2	75.62	74.84	72.89	71.07	66.12
2.5	74.15	73.29	71.35	69.42	64.83
3	72.68	71.75	69.81	67.77	63.55
3.5	71.21	70.20	68.26	66.12	62.27
4	69.74	68.65	66.72	64.47	60.99
4.5	68.28	67.11	65.18	62.82	59.70
5	66.81	65.56	63.63	61.17	58.42
5.5	65.34	64.01	62.09	59.52	57.14
6	63.87	62.47	60.55	57.87	55.86
6.5	62.40	60.92	59.00	56.22	54.57
7	60.93	59.37	57.46	54.57	53.29
7.5	59.47	57.82	55.92	52.92	52.01
8	58.00	56.28	54.38	51.27	50.73
8.5	56.53	54.73	52.83	49.62	49.44
9	55.06	53.18	51.29	47.97	48.16
9.5	53.59	51.64	49.75	46.32	46.88
10	52.12	50.09	48.20	44.67	45.59
10.5	51.85	49.23	47.23	43.67	44.52
11	51.57	48.37	46.26	42.66	43.44
11.5	51.30	47.50	45.29	41.66	42.37
12	51.02	46.64	44.32	40.65	41.29
12.5	50.75	45.78	43.35	39.65	40.21
13	50.47	44.92	42.38	38.65	39.14
13.5	50.19	44.06	41.41	37.64	38.06
14	49.92	43.20	40.43	36.64	36.98
14.5	49.64	42.33	39.46	35.63	35.91
15	49.37	41.47	38.49	34.63	34.83
15.5	49.09	40.61	37.52	33.63	33.75
16	48.82	39.75	36.55	32.62	32.68
16.5	48.54	38.89	35.58	31.62	31.60
17	48.26	38.02	34.61	30.61	30.52
17.5	47.99	37.16	33.64	29.61	29.45
18	47.71	36.30	32.67	28.61	28.37
18.5	47.44	35.44	31.69	27.60	27.29
19	47.16	34.58	30.72	26.60	26.22
19.5	46.89	33.72	29.75	25.59	25.14
20	46.61	32.85	28.78	24.59	24.06
20.5	44.84	31.73	27.76	23.78	23.38
21	43.08	30.60	26.75	22.96	22.69
21.5	41.31	29.47	25.73	22.15	22.00
22	39.54	28.34	24.72	21.33	21.32
22.5	37.77	27.22	23.70	20.52	20.63
23	36.01	26.09	22.68	19.70	19.94
23.5	34.24	24.96	21.67	18.89	19.26
24	32.47	23.84	20.65	18.07	18.57
24.5	30.71	22.71	19.64	17.26	17.88
25	28.94	21.58	18.62	16.45	17.19
25.5	27.17	20.45	17.60	15.63	16.51
26	25.40	19.33	16.59	14.82	15.82
26.5	23.64	18.20	15.57	14.00	15.13
27	21.87	17.07	14.56	13.19	14.45
27.5	20.10	15.95	13.54	12.37	13.76
28	18.33	14.82	12.52	11.56	13.07
28.5	16.57	13.69	11.51	10.75	12.39
29	14.80	12.56	10.49	9.93	11.70
29.5	13.03	11.44	9.48	9.12	11.01
30	11.27	10.31	8.46	8.30	10.32
30.5	11.07	10.02	8.24	8.08	10.08
31	10.87	9.72	8.02	7.85	9.84
31.5	10.68	9.43	7.79	7.62	9.60
32	10.48	9.14	7.57	7.39	9.36
32.5	10.29	8.85	7.35	7.17	9.12
33	10.09	8.55	7.13	6.94	8.88
33.5	9.89	8.26	6.91	6.71	8.64
34	9.70	7.97	6.68	6.49	8.40
34.5	9.50	7.68	6.46	6.26	8.16
35	9.31	7.38	6.24	6.03	7.92
35.5	9.11	7.09	6.02	5.81	7.68
36	8.91	6.80	5.80	5.58	7.44
36.5	8.72	6.51	5.58	5.35	7.20
37	8.52	6.21	5.35	5.12	6.96
37.5	8.33	5.92	5.13	4.90	6.72
38	8.13	5.63	4.91	4.67	6.47
38.5	7.93	5.34	4.69	4.44	6.23
39	7.74	5.04	4.47	4.22	5.99
39.5	7.54	4.75	4.24	3.99	5.75
40	7.35	4.46	4.02	3.76	5.51
40.5	7.12	4.32	3.90	3.63	5.33
41	6.90	4.18	3.77	3.50	5.15
41.5	6.67	4.05	3.64	3.37	4.96
42	6.44	3.91	3.52	3.24	4.78
42.5	6.22	3.77	3.39	3.11	4.59
43	5.99	3.64	3.26	2.98	4.41
43.5	5.77	3.50	3.14	2.85	4.23
44	5.54	3.36	3.01	2.72	4.04
44.5	5.32	3.23	2.89	2.59	3.86
45	5.09	3.09	2.76	2.46	3.67
45.5	4.87	2.95	2.63	2.33	3.49
46	4.64	2.82	2.51	2.20	3.31
46.5	4.42	2.68	2.38	2.07	3.12
47	4.19	2.54	2.25	1.94	2.94
47.5	3.96	2.41	2.13	1.81	2.76
48	3.74	2.27	2.00	1.68	2.57
48.5	3.51	2.13	1.88	1.55	2.39
49	3.29	2.00	1.75	1.42	2.20
49.5	3.06	1.86	1.62	1.29	2.02
50	2.84	1.72	1.50	1.16	1.84
50.5	2.79	1.69	1.47	1.14	1.81
51	2.73	1.65	1.43	1.11	1.79
51.5	2.68	1.61	1.40	1.09	1.77
52	2.63	1.57	1.37	1.07	1.75
52.5	2.58	1.54	1.34	1.05	1.72
53	2.53	1.50	1.31	1.03	1.70
53.5	2.47	1.46	1.28	1.01	1.68
54	2.42	1.42	1.24	0.99	1.66
54.5	2.37	1.39	1.21	0.97	1.63
55	2.32	1.35	1.18	0.94	1.61
55.5	2.27	1.31	1.15	0.92	1.59
56	2.21	1.27	1.12	0.90	1.57
56.5	2.16	1.23	1.09	0.88	1.54
57	2.11	1.20	1.05	0.86	1.52
57.5	2.06	1.16	1.02	0.84	1.50
58	2.01	1.12	0.99	0.82	1.48
58.5	1.96	1.08	0.96	0.80	1.45
59	1.90	1.05	0.93	0.78	1.43
59.5	1.85	1.01	0.90	0.75	1.41
60	1.80	0.97	0.86	0.73	1.39
60.5	1.74	0.94	0.84	0.72	1.37
61	1.69	0.91	0.82	0.72	1.34
61.5	1.63	0.88	0.79	0.71	1.32
62	1.58	0.85	0.77	0.70	1.30
62.5	1.52	0.82	0.74	0.69	1.28
63	1.47	0.79	0.72	0.68	1.26
63.5	1.41	0.76	0.69	0.67	1.24
64	1.36	0.73	0.67	0.66	1.22
64.5	1.30	0.70	0.64	0.65	1.20
65	1.25	0.67	0.62	0.64	1.18
65.5	1.19	0.65	0.60	0.64	1.15
66	1.14	0.62	0.57	0.63	1.13
66.5	1.08	0.59	0.55	0.62	1.11
67	1.03	0.56	0.52	0.61	1.09
67.5	0.97	0.53	0.50	0.60	1.07
68	0.92	0.50	0.47	0.59	1.05
68.5	0.86	0.47	0.45	0.58	1.03
69	0.81	0.44	0.43	0.57	1.01
69.5	0.75	0.41	0.40	0.56	0.99
70	0.70	0.38	0.38	0.56	0.97
70.5	0.70	0.38	0.37	0.54	0.94
71	0.71	0.38	0.36	0.52	0.92
71.5	0.72	0.37	0.35	0.50	0.89
72	0.72	0.37	0.34	0.48	0.87
73	0.74	0.37	0.32	0.44	0.82
73.5	0.74	0.36	0.31	0.42	0.79
74	0.75	0.36	0.30	0.40	0.77
74.5	0.75	0.36	0.29	0.38	0.75
75	0.76	0.36	0.28	0.36	0.72
75.5	0.77	0.36	0.27	0.34	0.70
76	0.77	0.35	0.26	0.32	0.67
76.5	0.78	0.35	0.25	0.30	0.65
77	0.79	0.35	0.23	0.28	0.62
78	0.80	0.34	0.21	0.24	0.58
78.5	0.81	0.34	0.20	0.22	0.55
79	0.81	0.34	0.19	0.20	0.53
79.5	0.82	0.34	0.18	0.18	0.50
80	0.83	0.33	0.17	0.16	0.48
80.5	0.78	0.33	0.18	0.16	0.47
81	0.74	0.32	0.18	0.16	0.47
81.5	0.70	0.31	0.18	0.16	0.46
82	0.66	0.30	0.18	0.17	0.45
82.5	0.62	0.29	0.18	0.17	0.45
83	0.58	0.28	0.18	0.17	0.44
83.5	0.53	0.27	0.18	0.17	0.44
84	0.49	0.26	0.18	0.17	0.43
84.5	0.45	0.25	0.18	0.17	0.42
85	0.41	0.24	0.19	0.17	0.42
85.5	0.37	0.23	0.19	0.17	0.41
86	0.33	0.22	0.19	0.18	0.41
86.5	0.28	0.21	0.19	0.18	0.40
87	0.24	0.20	0.19	0.18	0.40
87.5	0.20	0.19	0.19	0.18	0.39
88	0.16	0.18	0.19	0.18	0.38
88.5	0.12	0.17	0.19	0.18	0.38
89	0.08	0.16	0.20	0.18	0.37
89.5	0.03	0.16	0.20	0.18	0.37
90	0.00	0.15	0.20	0.19	0.36
90.5	0.00	0.14	0.19	0.18	0.36
91	0.00	0.13	0.18	0.18	0.37
91.5	0.00	0.12	0.16	0.17	0.37
92	0.00	0.12	0.15	0.17	0.38
93	0.00	0.10	0.13	0.16	0.39
93.5	0.00	0.10	0.12	0.16	0.40
94	0.00	0.09	0.11	0.15	0.40
94.5	0.00	0.08	0.10	0.15	0.41
95	0.00	0.07	0.08	0.15	0.41
95.5	0.00	0.07	0.07	0.14	0.42
96	0.00	0.06	0.06	0.14	0.42
96.5	0.00	0.05	0.05	0.13	0.43
97	0.00	0.05	0.04	0.13	0.43
97.5	0.00	0.04	0.03	0.12	0.44
98	0.00	0.03	0.02	0.12	0.44
98.5	0.00	0.03	0.01	0.12	0.45
99	0.01	0.02	0.00	0.11	0.45
99.5	0.01	0.01	0.00	0.11	0.46
100	0.01	0.00	0.00	0.10	0.46

Figure 6.D. TransRisk Score: Random-Account Performance (Percent Bad),
by Demographic Group
Marital status
Percent bad

Score	Married male	Single male	Married female	Single female
0	79.59	81.59	75.23	79.43
0.5	77.96	80.03	73.82	77.87
1	76.34	78.47	72.40	76.30
1.5	74.71	76.91	70.99	74.74
2	73.08	75.34	69.58	73.17
2.5	71.45	73.78	68.17	71.61
3	69.83	72.22	66.76	70.04
3.5	68.20	70.66	65.35	68.47
4	66.57	69.09	63.94	66.91
4.5	64.94	67.53	62.53	65.34
5	63.32	65.97	61.11	63.78
5.5	61.69	64.40	59.70	62.21
6	60.06	62.84	58.29	60.64
6.5	58.44	61.28	56.88	59.08
7	56.81	59.72	55.47	57.51
7.5	55.18	58.15	54.06	55.95
8	53.55	56.59	52.65	54.38
8.5	51.93	55.03	51.23	52.81
9	50.30	53.47	49.82	51.25
9.5	48.67	51.90	48.41	49.68
10	47.05	50.34	47.00	48.12
10.5	45.98	49.67	45.95	47.33
11	44.91	49.00	44.90	46.54
11.5	43.85	48.33	43.86	45.75
12	42.78	47.66	42.81	44.96
12.5	41.71	47.00	41.76	44.17
13	40.65	46.33	40.71	43.38
13.5	39.58	45.66	39.66	42.58
14	38.51	44.99	38.62	41.79
14.5	37.45	44.32	37.57	41.00
15	36.38	43.65	36.52	40.21
15.5	35.31	42.98	35.47	39.42
16	34.25	42.31	34.42	38.63
16.5	33.18	41.64	33.38	37.84
17	32.12	40.97	32.33	37.05
17.5	31.05	40.31	31.28	36.26
18	29.98	39.64	30.23	35.47
18.5	28.92	38.97	29.18	34.68
19	27.85	38.30	28.13	33.89
19.5	26.78	37.63	27.09	33.10
20	25.72	36.96	26.04	32.31
20.5	24.88	35.59	25.14	31.27
21	24.05	34.23	24.23	30.23
21.5	23.21	32.86	23.33	29.19
22	22.38	31.50	22.43	28.15
22.5	21.55	30.13	21.52	27.11
23	20.71	28.77	20.62	26.07
23.5	19.88	27.40	19.72	25.03
24	19.04	26.04	18.81	23.99
24.5	18.21	24.67	17.91	22.96
25	17.38	23.31	17.01	21.92
25.5	16.54	21.94	16.10	20.88
26	15.71	20.58	15.20	19.84
26.5	14.87	19.21	14.30	18.80
27	14.04	17.84	13.39	17.76
27.5	13.21	16.48	12.49	16.72
28	12.37	15.11	11.59	15.68
28.5	11.54	13.75	10.68	14.64
29	10.70	12.38	9.78	13.60
29.5	9.87	11.02	8.88	12.56
30	9.04	9.65	7.97	11.52
30.5	8.76	9.49	7.77	11.22
31	8.48	9.32	7.57	10.92
31.5	8.20	9.16	7.36	10.62
32	7.92	8.99	7.16	10.32
32.5	7.65	8.83	6.96	10.02
33	7.37	8.66	6.75	9.72
33.5	7.09	8.49	6.55	9.42
34	6.81	8.33	6.35	9.12
34.5	6.53	8.16	6.14	8.82
35	6.26	8.00	5.94	8.52
35.5	5.98	7.83	5.74	8.22
36	5.70	7.67	5.53	7.93
36.5	5.42	7.50	5.33	7.63
37	5.14	7.34	5.13	7.33
37.5	4.87	7.17	4.92	7.03
38	4.59	7.01	4.72	6.73
38.5	4.31	6.84	4.52	6.43
39	4.03	6.68	4.31	6.13
39.5	3.76	6.51	4.11	5.83
40	3.48	6.35	3.91	5.53
40.5	3.36	6.13	3.77	5.39
41	3.24	5.91	3.64	5.24
41.5	3.12	5.70	3.50	5.10
42	3.00	5.48	3.37	4.96
42.5	2.89	5.27	3.24	4.81
43	2.77	5.05	3.10	4.67
43.5	2.65	4.84	2.97	4.53
44	2.53	4.62	2.83	4.38
44.5	2.41	4.40	2.70	4.24
45	2.29	4.19	2.57	4.09
45.5	2.18	3.97	2.43	3.95
46	2.06	3.76	2.30	3.81
46.5	1.94	3.54	2.16	3.66
47	1.82	3.33	2.03	3.52
47.5	1.70	3.11	1.90	3.38
48	1.58	2.90	1.76	3.23
48.5	1.47	2.68	1.63	3.09
49	1.35	2.46	1.49	2.95
49.5	1.23	2.25	1.36	2.80
50	1.11	2.03	1.23	2.66
50.5	1.10	2.00	1.20	2.58
51	1.09	1.96	1.18	2.49
51.5	1.07	1.92	1.16	2.41
52	1.06	1.88	1.14	2.32
52.5	1.05	1.85	1.11	2.24
53	1.03	1.81	1.09	2.15
53.5	1.02	1.77	1.07	2.07
54	1.01	1.73	1.05	1.98
54.5	1.00	1.70	1.02	1.90
55	0.98	1.66	1.00	1.81
55.5	0.97	1.62	0.98	1.73
56	0.96	1.58	0.96	1.64
56.5	0.94	1.55	0.93	1.56
57	0.93	1.51	0.91	1.47
57.5	0.92	1.47	0.89	1.39
58	0.91	1.44	0.87	1.30
58.5	0.89	1.40	0.84	1.22
59	0.88	1.36	0.82	1.13
59.5	0.87	1.32	0.80	1.05
60	0.86	1.29	0.77	0.96
60.5	0.83	1.28	0.74	0.96
61	0.81	1.27	0.71	0.96
61.5	0.79	1.27	0.68	0.96
62	0.76	1.26	0.65	0.96
62.5	0.74	1.25	0.62	0.96
63	0.72	1.25	0.60	0.96
63.5	0.70	1.24	0.57	0.97
64	0.67	1.23	0.54	0.97
64.5	0.65	1.23	0.51	0.97
65	0.63	1.22	0.48	0.97
65.5	0.60	1.21	0.45	0.97
66	0.58	1.21	0.42	0.97
66.5	0.56	1.20	0.39	0.97
67	0.54	1.19	0.36	0.97
67.5	0.51	1.19	0.33	0.97
68	0.49	1.18	0.30	0.97
68.5	0.47	1.17	0.27	0.97
69	0.44	1.17	0.24	0.97
69.5	0.42	1.16	0.21	0.97
70	0.40	1.15	0.18	0.97
70.5	0.39	1.12	0.18	0.95
71	0.37	1.08	0.19	0.92
71.5	0.36	1.04	0.20	0.90
72	0.35	1.00	0.20	0.87
73	0.32	0.92	0.22	0.82
73.5	0.31	0.88	0.22	0.79
74	0.29	0.85	0.23	0.76
74.5	0.28	0.81	0.24	0.74
75	0.27	0.77	0.25	0.71
75.5	0.25	0.73	0.25	0.69
76	0.24	0.69	0.26	0.66
76.5	0.23	0.65	0.27	0.63
77	0.21	0.61	0.27	0.61
78	0.19	0.54	0.29	0.56
78.5	0.17	0.50	0.30	0.53
79	0.16	0.46	0.30	0.50
79.5	0.15	0.42	0.31	0.48
80	0.13	0.38	0.32	0.45
80.5	0.14	0.40	0.31	0.44
81	0.14	0.41	0.30	0.44
81.5	0.14	0.43	0.30	0.43
82	0.15	0.44	0.29	0.42
82.5	0.15	0.46	0.29	0.41
83	0.15	0.47	0.28	0.41
83.5	0.16	0.49	0.27	0.40
84	0.16	0.50	0.27	0.39
84.5	0.16	0.52	0.26	0.38
85	0.17	0.53	0.26	0.38
85.5	0.17	0.55	0.25	0.37
86	0.17	0.56	0.24	0.36
86.5	0.18	0.58	0.24	0.35
87	0.18	0.59	0.23	0.35
87.5	0.18	0.61	0.22	0.34
88	0.19	0.62	0.22	0.33
88.5	0.19	0.64	0.21	0.32
89	0.19	0.65	0.21	0.32
89.5	0.20	0.67	0.20	0.31
90	0.20	0.68	0.19	0.30
90.5	0.20	0.68	0.19	0.31
91	0.21	0.68	0.19	0.31
91.5	0.21	0.68	0.18	0.32
92	0.21	0.68	0.18	0.33
93	0.22	0.68	0.17	0.34
93.5	0.23	0.68	0.16	0.35
94	0.23	0.68	0.16	0.35
94.5	0.23	0.68	0.15	0.36
95	0.24	0.68	0.15	0.37
95.5	0.24	0.68	0.15	0.37
96	0.24	0.68	0.14	0.38
96.5	0.25	0.68	0.14	0.38
97	0.25	0.68	0.13	0.39
97.5	0.25	0.68	0.13	0.40
98	0.26	0.68	0.12	0.40
98.5	0.26	0.68	0.12	0.41
99	0.26	0.68	0.12	0.42
99.5	0.27	0.68	0.11	0.42
100	0.27	0.68	0.11	0.43

Figure 6.D. TransRisk Score: Random-Account Performance (Percent Bad),
by Demographic Group
Income ratio of tract
Percent bad

Score	Low	Moderate	Middle	High
0	83.02	81.55	79.55	76.90
0.5	81.61	79.95	77.97	75.42
1	80.20	78.35	76.39	73.94
1.5	78.79	76.74	74.81	72.46
2	77.39	75.14	73.23	70.98
2.5	75.98	73.54	71.65	69.50
3	74.57	71.93	70.07	68.02
3.5	73.16	70.33	68.50	66.54
4	71.76	68.73	66.92	65.06
4.5	70.35	67.12	65.34	63.58
5	68.94	65.52	63.76	62.10
5.5	67.53	63.92	62.18	60.61
6	66.13	62.31	60.60	59.13
6.5	64.72	60.71	59.03	57.65
7	63.31	59.11	57.45	56.17
7.5	61.91	57.50	55.87	54.69
8	60.50	55.90	54.29	53.21
8.5	59.09	54.30	52.71	51.73
9	57.68	52.69	51.13	50.25
9.5	56.28	51.09	49.55	48.77
10	54.87	49.49	47.98	47.29
10.5	54.71	49.01	47.21	46.32
11	54.55	48.53	46.44	45.35
11.5	54.39	48.05	45.67	44.38
12	54.23	47.57	44.90	43.41
12.5	54.06	47.09	44.13	42.44
13	53.90	46.61	43.37	41.47
13.5	53.74	46.13	42.60	40.50
14	53.58	45.65	41.83	39.53
14.5	53.42	45.17	41.06	38.56
15	53.26	44.70	40.29	37.59
15.5	53.10	44.22	39.52	36.62
16	52.94	43.74	38.76	35.65
16.5	52.78	43.26	37.99	34.68
17	52.62	42.78	37.22	33.70
17.5	52.46	42.30	36.45	32.73
18	52.30	41.82	35.68	31.76
18.5	52.14	41.34	34.91	30.79
19	51.97	40.86	34.15	29.82
19.5	51.81	40.38	33.38	28.85
20	51.65	39.91	32.61	27.88
20.5	49.69	38.47	31.47	26.87
21	47.73	37.04	30.33	25.86
21.5	45.77	35.60	29.19	24.85
22	43.81	34.17	28.06	23.84
22.5	41.84	32.74	26.92	22.83
23	39.88	31.30	25.78	21.82
23.5	37.92	29.87	24.64	20.81
24	35.96	28.44	23.50	19.80
24.5	34.00	27.00	22.36	18.79
25	32.04	25.57	21.22	17.78
25.5	30.08	24.13	20.09	16.77
26	28.11	22.70	18.95	15.76
26.5	26.15	21.27	17.81	14.76
27	24.19	19.83	16.67	13.75
27.5	22.23	18.40	15.53	12.74
28	20.27	16.97	14.39	11.73
28.5	18.31	15.53	13.25	10.72
29	16.34	14.10	12.12	9.71
29.5	14.38	12.66	10.98	8.70
30	12.42	11.23	9.84	7.69
30.5	12.33	11.01	9.62	7.50
31	12.23	10.80	9.39	7.31
31.5	12.14	10.58	9.17	7.12
32	12.05	10.37	8.95	6.93
32.5	11.95	10.15	8.73	6.74
33	11.86	9.94	8.50	6.55
33.5	11.76	9.72	8.28	6.36
34	11.67	9.50	8.06	6.17
34.5	11.58	9.29	7.84	5.98
35	11.48	9.07	7.61	5.79
35.5	11.39	8.86	7.39	5.60
36	11.29	8.64	7.17	5.41
36.5	11.20	8.43	6.94	5.23
37	11.11	8.21	6.72	5.04
37.5	11.01	7.99	6.50	4.85
38	10.92	7.78	6.28	4.66
38.5	10.83	7.56	6.05	4.47
39	10.73	7.35	5.83	4.28
39.5	10.64	7.13	5.61	4.09
40	10.54	6.92	5.39	3.90
40.5	10.21	6.71	5.21	3.78
41	9.87	6.50	5.03	3.65
41.5	9.53	6.30	4.86	3.53
42	9.19	6.09	4.68	3.41
42.5	8.85	5.88	4.50	3.28
43	8.51	5.67	4.32	3.16
43.5	8.17	5.47	4.15	3.03
44	7.83	5.26	3.97	2.91
44.5	7.49	5.05	3.79	2.79
45	7.15	4.85	3.62	2.66
45.5	6.81	4.64	3.44	2.54
46	6.48	4.43	3.26	2.42
46.5	6.14	4.23	3.09	2.29
47	5.80	4.02	2.91	2.17
47.5	5.46	3.81	2.73	2.05
48	5.12	3.61	2.56	1.92
48.5	4.78	3.40	2.38	1.80
49	4.44	3.19	2.20	1.67
49.5	4.10	2.99	2.02	1.55
50	3.76	2.78	1.85	1.43
50.5	3.73	2.74	1.82	1.41
51	3.70	2.70	1.79	1.40
51.5	3.67	2.65	1.77	1.38
52	3.64	2.61	1.74	1.37
52.5	3.61	2.57	1.71	1.35
53	3.58	2.52	1.69	1.33
53.5	3.55	2.48	1.66	1.32
54	3.52	2.44	1.63	1.30
54.5	3.49	2.40	1.60	1.29
55	3.46	2.35	1.58	1.27
55.5	3.43	2.31	1.55	1.26
56	3.40	2.27	1.52	1.24
56.5	3.37	2.22	1.50	1.23
57	3.34	2.18	1.47	1.21
57.5	3.31	2.14	1.44	1.19
58	3.28	2.10	1.42	1.18
58.5	3.25	2.05	1.39	1.16
59	3.22	2.01	1.36	1.15
59.5	3.19	1.97	1.33	1.13
60	3.16	1.92	1.31	1.12
60.5	3.13	1.87	1.27	1.08
61	3.11	1.82	1.24	1.04
61.5	3.08	1.77	1.20	1.01
62	3.05	1.71	1.17	0.97
62.5	3.03	1.66	1.13	0.94
63	3.00	1.61	1.10	0.90
63.5	2.98	1.55	1.06	0.86
64	2.95	1.50	1.03	0.83
64.5	2.92	1.45	1.00	0.79
65	2.90	1.39	0.96	0.75
65.5	2.87	1.34	0.93	0.72
66	2.85	1.29	0.89	0.68
66.5	2.82	1.23	0.86	0.65
67	2.79	1.18	0.82	0.61
67.5	2.77	1.13	0.79	0.57
68	2.74	1.08	0.75	0.54
68.5	2.72	1.02	0.72	0.50
69	2.69	0.97	0.68	0.46
69.5	2.66	0.92	0.65	0.43
70	2.64	0.86	0.61	0.39
70.5	2.53	0.85	0.60	0.39
71	2.41	0.83	0.58	0.39
71.5	2.30	0.82	0.57	0.39
72	2.18	0.81	0.55	0.39
73	1.96	0.78	0.52	0.38
73.5	1.84	0.76	0.51	0.38
74	1.73	0.75	0.49	0.38
74.5	1.61	0.74	0.48	0.38
75	1.50	0.72	0.46	0.38
75.5	1.39	0.71	0.45	0.38
76	1.27	0.69	0.43	0.37
76.5	1.16	0.68	0.42	0.37
77	1.04	0.67	0.40	0.37
78	0.82	0.64	0.37	0.37
78.5	0.70	0.62	0.36	0.37
79	0.59	0.61	0.34	0.36
79.5	0.48	0.60	0.33	0.36
80	0.36	0.58	0.31	0.36
80.5	0.35	0.57	0.31	0.35
81	0.34	0.56	0.31	0.34
81.5	0.33	0.55	0.31	0.33
82	0.32	0.53	0.31	0.32
82.5	0.31	0.52	0.30	0.31
83	0.30	0.51	0.30	0.30
83.5	0.29	0.50	0.30	0.29
84	0.28	0.49	0.30	0.28
84.5	0.27	0.47	0.30	0.27
85	0.26	0.46	0.29	0.26
85.5	0.25	0.45	0.29	0.25
86	0.24	0.44	0.29	0.24
86.5	0.23	0.42	0.29	0.23
87	0.22	0.41	0.29	0.22
87.5	0.21	0.40	0.28	0.21
88	0.20	0.39	0.28	0.20
88.5	0.19	0.38	0.28	0.19
89	0.18	0.36	0.28	0.18
89.5	0.17	0.35	0.28	0.17
90	0.16	0.34	0.27	0.16
90.5	0.20	0.35	0.28	0.17
91	0.23	0.36	0.28	0.17
91.5	0.26	0.37	0.28	0.18
92	0.30	0.38	0.28	0.19
93	0.36	0.41	0.29	0.20
93.5	0.40	0.42	0.29	0.20
94	0.43	0.43	0.29	0.21
94.5	0.46	0.44	0.30	0.22
95	0.50	0.45	0.30	0.22
95.5	0.53	0.46	0.30	0.23
96	0.56	0.47	0.30	0.23
96.5	0.60	0.48	0.31	0.24
97	0.63	0.49	0.31	0.25
97.5	0.66	0.51	0.31	0.25
98	0.70	0.52	0.31	0.26
98.5	0.73	0.53	0.32	0.26
99	0.76	0.54	0.32	0.27
99.5	0.80	0.55	0.32	0.28
100	0.83	0.56	0.32	0.28

Return to figure

Figure 6.E. TransRisk Score: Modified New-Account Performance (Percent Bad),
by Demographic Group

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

Figure 6.E. TransRisk Score: Modified New-Account Performance (Percent Bad),
by Demographic Group
Race or ethnicity (SSA data)
Percent bad

Score	Non- Hispanic white	Black	Hispanic	Asian
0	31.28	36.69	33.23	41.32
0.5	30.46	35.81	32.32	40.05
1	29.63	34.93	31.40	38.78
1.5	28.81	34.05	30.48	37.51
2	27.99	33.16	29.56	36.24
2.5	27.17	32.28	28.65	34.97
3	26.34	31.40	27.73	33.70
3.5	25.52	30.51	26.81	32.43
4	24.70	29.63	25.90	31.16
4.5	23.88	28.75	24.98	29.89
5	23.05	27.87	24.06	28.62
5.5	22.23	26.98	23.14	27.35
6	21.41	26.10	22.23	26.08
6.5	20.59	25.22	21.31	24.81
7	19.76	24.33	20.39	23.54
7.5	18.94	23.45	19.48	22.27
8	18.12	22.57	18.56	21.00
8.5	17.30	21.69	17.64	19.72
9	16.47	20.80	16.72	18.45
9.5	15.65	19.92	15.81	17.18
10	14.83	19.04	14.89	15.91
10.5	14.44	18.71	14.56	15.39
11	14.04	18.38	14.23	14.88
11.5	13.65	18.05	13.89	14.36
12	13.25	17.72	13.56	13.84
12.5	12.86	17.39	13.23	13.32
13	12.46	17.06	12.90	12.80
13.5	12.07	16.73	12.57	12.28
14	11.67	16.39	12.23	11.76
14.5	11.28	16.06	11.90	11.24
15	10.88	15.73	11.57	10.72
15.5	10.49	15.40	11.24	10.20
16	10.09	15.07	10.91	9.68
16.5	9.70	14.74	10.57	9.16
17	9.30	14.41	10.24	8.65
17.5	8.91	14.08	9.91	8.13
18	8.51	13.75	9.58	7.61
18.5	8.12	13.42	9.25	7.09
19	7.72	13.09	8.91	6.57
19.5	7.33	12.76	8.58	6.05
20	6.93	12.43	8.25	5.53
20.5	6.81	12.27	8.10	5.62
21	6.69	12.12	7.94	5.72
21.5	6.57	11.96	7.79	5.81
22	6.45	11.80	7.64	5.90
22.5	6.33	11.65	7.49	6.00
23	6.21	11.49	7.33	6.09
23.5	6.09	11.33	7.18	6.19
24	5.97	11.18	7.03	6.28
24.5	5.85	11.02	6.88	6.37
25	5.73	10.86	6.72	6.47
25.5	5.61	10.71	6.57	6.56
26	5.49	10.55	6.42	6.65
26.5	5.37	10.39	6.27	6.75
27	5.25	10.24	6.11	6.84
27.5	5.13	10.08	5.96	6.93
28	5.01	9.92	5.81	7.03
28.5	4.89	9.77	5.66	7.12
29	4.77	9.61	5.50	7.21
29.5	4.65	9.45	5.35	7.31
30	4.53	9.30	5.20	7.40
30.5	4.43	9.04	5.08	7.11
31	4.32	8.79	4.95	6.83
31.5	4.21	8.54	4.83	6.54
32	4.11	8.28	4.70	6.25
32.5	4.00	8.03	4.58	5.96
33	3.89	7.78	4.46	5.68
33.5	3.78	7.52	4.33	5.39
34	3.68	7.27	4.21	5.10
34.5	3.57	7.02	4.09	4.81
35	3.46	6.77	3.96	4.53
35.5	3.36	6.51	3.84	4.24
36	3.25	6.26	3.72	3.95
36.5	3.14	6.01	3.59	3.66
37	3.03	5.75	3.47	3.38
37.5	2.93	5.50	3.35	3.09
38	2.82	5.25	3.22	2.80
38.5	2.71	5.00	3.10	2.51
39	2.61	4.74	2.98	2.23
39.5	2.50	4.49	2.85	1.94
40	2.39	4.24	2.73	1.65
40.5	2.32	4.17	2.72	1.64
41	2.25	4.10	2.70	1.62
41.5	2.18	4.03	2.69	1.61
42	2.11	3.96	2.68	1.59
42.5	2.04	3.89	2.66	1.58
43	1.97	3.83	2.65	1.56
43.5	1.90	3.76	2.64	1.55
44	1.83	3.69	2.62	1.54
44.5	1.76	3.62	2.61	1.52
45	1.69	3.55	2.59	1.51
45.5	1.62	3.49	2.58	1.49
46	1.55	3.42	2.57	1.48
46.5	1.49	3.35	2.55	1.46
47	1.42	3.28	2.54	1.45
47.5	1.35	3.21	2.53	1.43
48	1.28	3.14	2.51	1.42
48.5	1.21	3.08	2.50	1.41
49	1.14	3.01	2.49	1.39
49.5	1.07	2.94	2.47	1.38
50	1.00	2.87	2.46	1.36
50.5	0.97	2.83	2.37	1.33
51	0.94	2.79	2.29	1.29
51.5	0.91	2.74	2.20	1.25
52	0.88	2.70	2.11	1.21
52.5	0.86	2.66	2.03	1.18
53	0.83	2.62	1.94	1.14
53.5	0.80	2.57	1.86	1.10
54	0.77	2.53	1.77	1.07
54.5	0.74	2.49	1.69	1.03
55	0.71	2.45	1.60	0.99
55.5	0.69	2.40	1.51	0.96
56	0.66	2.36	1.43	0.92
56.5	0.63	2.32	1.34	0.88
57	0.60	2.28	1.26	0.85
57.5	0.57	2.23	1.17	0.81
58	0.54	2.19	1.08	0.77
58.5	0.52	2.15	1.00	0.73
59	0.49	2.11	0.91	0.70
59.5	0.46	2.06	0.83	0.66
60	0.43	2.02	0.74	0.62
60.5	0.43	1.93	0.75	0.59
61	0.43	1.84	0.76	0.56
61.5	0.43	1.75	0.77	0.53
62	0.43	1.65	0.77	0.49
62.5	0.43	1.56	0.78	0.46
63	0.42	1.47	0.79	0.43
63.5	0.42	1.38	0.80	0.40
64	0.42	1.29	0.81	0.36
64.5	0.42	1.19	0.81	0.33
65	0.42	1.10	0.82	0.30
65.5	0.42	1.01	0.83	0.26
66	0.42	0.92	0.84	0.23
66.5	0.42	0.83	0.85	0.20
67	0.42	0.73	0.85	0.17
67.5	0.42	0.64	0.86	0.13
68	0.41	0.55	0.87	0.10
68.5	0.41	0.46	0.88	0.07
69	0.41	0.37	0.89	0.04
69.5	0.41	0.27	0.89	0.00
70	0.41	0.18	0.90	0.00
70.5	0.40	0.21	0.87	0.00
71	0.39	0.23	0.84	0.00
71.5	0.39	0.25	0.81	0.01
72	0.38	0.28	0.78	0.02
73	0.36	0.33	0.72	0.04
73.5	0.36	0.35	0.69	0.05
74	0.35	0.37	0.66	0.06
74.5	0.34	0.40	0.63	0.08
75	0.33	0.42	0.60	0.09
75.5	0.32	0.45	0.57	0.10
76	0.32	0.47	0.54	0.11
76.5	0.31	0.49	0.51	0.12
77	0.30	0.52	0.48	0.14
78	0.28	0.57	0.42	0.16
78.5	0.28	0.59	0.38	0.17
79	0.27	0.62	0.35	0.18
79.5	0.26	0.64	0.32	0.19
80	0.25	0.66	0.29	0.21
80.5	0.25	0.69	0.28	0.20
81	0.24	0.72	0.26	0.19
81.5	0.23	0.74	0.24	0.18
82	0.22	0.77	0.23	0.17
82.5	0.22	0.80	0.21	0.16
83	0.21	0.82	0.19	0.15
83.5	0.20	0.85	0.18	0.14
84	0.20	0.88	0.16	0.14
84.5	0.19	0.90	0.14	0.13
85	0.18	0.93	0.13	0.12
85.5	0.18	0.96	0.11	0.11
86	0.17	0.98	0.09	0.10
86.5	0.16	1.01	0.08	0.09
87	0.15	1.04	0.06	0.08
87.5	0.15	1.06	0.04	0.07
88	0.14	1.09	0.03	0.06
88.5	0.13	1.12	0.01	0.05
89	0.13	1.14	0.00	0.05
89.5	0.12	1.17	0.00	0.04
90	0.11	1.20	0.00	0.03
90.5	0.12	1.10	0.00	0.06
91	0.12	1.01	0.00	0.09
91.5	0.13	0.91	0.00	0.12
92	0.14	0.82	0.00	0.15
93	0.15	0.63	0.01	0.21
93.5	0.16	0.53	0.02	0.24
94	0.16	0.44	0.02	0.27
94.5	0.17	0.34	0.03	0.30
95	0.18	0.25	0.04	0.33
95.5	0.18	0.16	0.05	0.36
96	0.19	0.06	0.06	0.39
96.5	0.19	0.00	0.06	0.42
97	0.20	0.00	0.07	0.45
97.5	0.21	0.00	0.08	0.48
98	0.21	0.00	0.09	0.51
98.5	0.22	0.00	0.10	0.54
99	0.23	0.00	0.11	0.58
99.5	0.23	0.00	0.11	0.61
100	0.24	0.00	0.12	0.64

Figure 6.E. TransRisk Score: Modified New-Account Performance (Percent Bad),
by Demographic Group
Race or ethnicity (location-based distribution)
Percent bad

Score	Non- Hispanic white	Black	Hispanic	Asian
0	32.00	37.68	34.18	42.14
0.5	31.15	36.73	33.28	40.95
1	30.31	35.77	32.38	39.76
1.5	29.46	34.82	31.48	38.56
2	28.62	33.87	30.57	37.37
2.5	27.77	32.91	29.67	36.18
3	26.93	31.96	28.77	34.98
3.5	26.08	31.01	27.87	33.79
4	25.24	30.05	26.97	32.60
4.5	24.39	29.10	26.06	31.40
5	23.55	28.15	25.16	30.21
5.5	22.70	27.19	24.26	29.02
6	21.86	26.24	23.36	27.82
6.5	21.01	25.28	22.45	26.63
7	20.17	24.33	21.55	25.44
7.5	19.32	23.38	20.65	24.24
8	18.48	22.42	19.75	23.05
8.5	17.64	21.47	18.85	21.85
9	16.79	20.52	17.94	20.66
9.5	15.95	19.56	17.04	19.47
10	15.10	18.61	16.14	18.27
10.5	14.75	18.25	15.77	17.75
11	14.39	17.89	15.41	17.22
11.5	14.03	17.54	15.04	16.69
12	13.68	17.18	14.67	16.16
12.5	13.32	16.82	14.30	15.63
13	12.97	16.47	13.93	15.10
13.5	12.61	16.11	13.57	14.57
14	12.25	15.75	13.20	14.04
14.5	11.90	15.39	12.83	13.52
15	11.54	15.04	12.46	12.99
15.5	11.19	14.68	12.10	12.46
16	10.83	14.32	11.73	11.93
16.5	10.48	13.97	11.36	11.40
17	10.12	13.61	10.99	10.87
17.5	9.76	13.25	10.62	10.34
18	9.41	12.89	10.26	9.81
18.5	9.05	12.54	9.89	9.29
19	8.70	12.18	9.52	8.76
19.5	8.34	11.82	9.15	8.23
20	7.99	11.47	8.79	7.70
20.5	7.82	11.31	8.63	7.58
21	7.65	11.15	8.48	7.47
21.5	7.48	10.99	8.32	7.36
22	7.31	10.84	8.16	7.24
22.5	7.14	10.68	8.01	7.13
23	6.97	10.52	7.85	7.01
23.5	6.80	10.36	7.70	6.90
24	6.63	10.21	7.54	6.79
24.5	6.46	10.05	7.39	6.67
25	6.29	9.89	7.23	6.56
25.5	6.12	9.73	7.08	6.44
26	5.95	9.58	6.92	6.33
26.5	5.78	9.42	6.77	6.22
27	5.61	9.26	6.61	6.10
27.5	5.44	9.10	6.46	5.99
28	5.27	8.94	6.30	5.87
28.5	5.10	8.79	6.15	5.76
29	4.93	8.63	5.99	5.65
29.5	4.76	8.47	5.84	5.53
30	4.59	8.31	5.68	5.42
30.5	4.49	8.04	5.55	5.34
31	4.38	7.76	5.41	5.27
31.5	4.28	7.48	5.28	5.19
32	4.18	7.21	5.14	5.12
32.5	4.08	6.93	5.01	5.04
33	3.97	6.65	4.88	4.97
33.5	3.87	6.38	4.74	4.89
34	3.77	6.10	4.61	4.81
34.5	3.66	5.82	4.47	4.74
35	3.56	5.55	4.34	4.66
35.5	3.46	5.27	4.20	4.59
36	3.36	4.99	4.07	4.51
36.5	3.25	4.71	3.93	4.44
37	3.15	4.44	3.80	4.36
37.5	3.05	4.16	3.66	4.29
38	2.94	3.88	3.53	4.21
38.5	2.84	3.61	3.40	4.14
39	2.74	3.33	3.26	4.06
39.5	2.64	3.05	3.13	3.99
40	2.53	2.78	2.99	3.91
40.5	2.46	2.78	2.94	3.75
41	2.39	2.78	2.88	3.59
41.5	2.32	2.78	2.83	3.43
42	2.25	2.79	2.77	3.27
42.5	2.19	2.79	2.71	3.12
43	2.12	2.79	2.66	2.96
43.5	2.05	2.79	2.60	2.80
44	1.98	2.80	2.55	2.64
44.5	1.91	2.80	2.49	2.48
45	1.84	2.80	2.43	2.32
45.5	1.77	2.80	2.38	2.16
46	1.70	2.81	2.32	2.00
46.5	1.63	2.81	2.27	1.84
47	1.56	2.81	2.21	1.68
47.5	1.49	2.81	2.16	1.52
48	1.42	2.82	2.10	1.37
48.5	1.35	2.82	2.04	1.21
49	1.28	2.82	1.99	1.05
49.5	1.21	2.82	1.93	0.89
50	1.14	2.83	1.88	0.73
50.5	1.11	2.72	1.83	0.72
51	1.08	2.61	1.79	0.71
51.5	1.05	2.51	1.74	0.70
52	1.02	2.40	1.70	0.69
52.5	0.99	2.30	1.66	0.68
53	0.96	2.19	1.61	0.68
53.5	0.93	2.09	1.57	0.67
54	0.90	1.98	1.52	0.66
54.5	0.87	1.88	1.48	0.65
55	0.84	1.77	1.43	0.64
55.5	0.81	1.66	1.39	0.63
56	0.78	1.56	1.35	0.62
56.5	0.74	1.45	1.30	0.61
57	0.71	1.35	1.26	0.61
57.5	0.68	1.24	1.21	0.60
58	0.65	1.14	1.17	0.59
58.5	0.62	1.03	1.12	0.58
59	0.59	0.93	1.08	0.57
59.5	0.56	0.82	1.04	0.56
60	0.53	0.71	0.99	0.55
60.5	0.52	0.76	0.97	0.54
61	0.51	0.81	0.95	0.53
61.5	0.50	0.86	0.93	0.52
62	0.49	0.91	0.90	0.50
62.5	0.48	0.96	0.88	0.49
63	0.47	1.00	0.86	0.48
63.5	0.46	1.05	0.84	0.46
64	0.45	1.10	0.81	0.45
64.5	0.44	1.15	0.79	0.44
65	0.42	1.20	0.77	0.43
65.5	0.41	1.25	0.75	0.41
66	0.40	1.29	0.73	0.40
66.5	0.39	1.34	0.70	0.39
67	0.38	1.39	0.68	0.37
67.5	0.37	1.44	0.66	0.36
68	0.36	1.49	0.64	0.35
68.5	0.35	1.53	0.61	0.34
69	0.34	1.58	0.59	0.32
69.5	0.33	1.63	0.57	0.31
70	0.32	1.68	0.55	0.30
70.5	0.31	1.60	0.53	0.30
71	0.31	1.52	0.51	0.30
71.5	0.31	1.44	0.49	0.30
72	0.30	1.35	0.48	0.29
73	0.30	1.19	0.44	0.29
73.5	0.29	1.11	0.42	0.29
74	0.29	1.03	0.41	0.29
74.5	0.29	0.95	0.39	0.29
75	0.28	0.87	0.37	0.29
75.5	0.28	0.79	0.35	0.29
76	0.28	0.71	0.34	0.29
76.5	0.27	0.63	0.32	0.29
77	0.27	0.54	0.30	0.28
78	0.26	0.38	0.27	0.28
78.5	0.26	0.30	0.25	0.28
79	0.26	0.22	0.23	0.28
79.5	0.25	0.14	0.21	0.28
80	0.25	0.06	0.20	0.28
80.5	0.24	0.08	0.19	0.27
81	0.23	0.10	0.19	0.25
81.5	0.23	0.11	0.18	0.24
82	0.22	0.13	0.18	0.23
82.5	0.21	0.15	0.17	0.22
83	0.21	0.17	0.17	0.21
83.5	0.20	0.19	0.16	0.19
84	0.19	0.21	0.15	0.18
84.5	0.19	0.23	0.15	0.17
85	0.18	0.25	0.14	0.16
85.5	0.17	0.27	0.14	0.14
86	0.16	0.29	0.13	0.13
86.5	0.16	0.30	0.13	0.12
87	0.15	0.32	0.12	0.11
87.5	0.14	0.34	0.12	0.09
88	0.14	0.36	0.11	0.08
88.5	0.13	0.38	0.11	0.07
89	0.12	0.40	0.10	0.06
89.5	0.11	0.42	0.10	0.05
90	0.11	0.44	0.09	0.03
90.5	0.11	0.43	0.10	0.04
91	0.12	0.42	0.10	0.05
91.5	0.12	0.42	0.11	0.05
92	0.13	0.41	0.11	0.06
93	0.14	0.39	0.12	0.08
93.5	0.14	0.39	0.13	0.08
94	0.15	0.38	0.13	0.09
94.5	0.15	0.37	0.14	0.10
95	0.16	0.37	0.14	0.11
95.5	0.17	0.36	0.15	0.11
96	0.17	0.35	0.15	0.12
96.5	0.18	0.34	0.16	0.13
97	0.18	0.34	0.16	0.13
97.5	0.19	0.33	0.17	0.14
98	0.19	0.32	0.17	0.15
98.5	0.20	0.32	0.18	0.16
99	0.20	0.31	0.18	0.16
99.5	0.21	0.30	0.19	0.17
100	0.21	0.29	0.19	0.18

Figure 6.E. TransRisk Score: Modified New-Account Performance (Percent Bad),
by Demographic Group
Sex
Percent bad

Score	Male	Female
0	32.77	34.40
0.5	31.87	33.53
1	30.96	32.67
1.5	30.06	31.80
2	29.15	30.94
2.5	28.25	30.07
3	27.34	29.20
3.5	26.44	28.34
4	25.53	27.47
4.5	24.63	26.61
5	23.72	25.74
5.5	22.82	24.87
6	21.91	24.01
6.5	21.01	23.14
7	20.10	22.28
7.5	19.20	21.41
8	18.29	20.54
8.5	17.39	19.68
9	16.48	18.81
9.5	15.58	17.95
10	14.67	17.08
10.5	14.38	16.63
11	14.08	16.17
11.5	13.78	15.72
12	13.49	15.26
12.5	13.19	14.81
13	12.89	14.36
13.5	12.60	13.90
14	12.30	13.45
14.5	12.00	12.99
15	11.70	12.54
15.5	11.41	12.09
16	11.11	11.63
16.5	10.81	11.18
17	10.52	10.72
17.5	10.22	10.27
18	9.92	9.82
18.5	9.63	9.36
19	9.33	8.91
19.5	9.03	8.45
20	8.73	8.00
20.5	8.56	7.85
21	8.39	7.71
21.5	8.22	7.56
22	8.05	7.42
22.5	7.87	7.27
23	7.70	7.13
23.5	7.53	6.98
24	7.36	6.84
24.5	7.19	6.69
25	7.01	6.55
25.5	6.84	6.40
26	6.67	6.26
26.5	6.50	6.11
27	6.33	5.97
27.5	6.15	5.82
28	5.98	5.68
28.5	5.81	5.53
29	5.64	5.39
29.5	5.47	5.24
30	5.29	5.10
30.5	5.17	4.96
31	5.04	4.83
31.5	4.92	4.69
32	4.80	4.56
32.5	4.67	4.42
33	4.55	4.29
33.5	4.42	4.15
34	4.30	4.02
34.5	4.17	3.88
35	4.05	3.75
35.5	3.92	3.61
36	3.80	3.48
36.5	3.68	3.34
37	3.55	3.21
37.5	3.43	3.07
38	3.30	2.94
38.5	3.18	2.81
39	3.05	2.67
39.5	2.93	2.54
40	2.80	2.40
40.5	2.73	2.34
41	2.65	2.28
41.5	2.58	2.22
42	2.50	2.16
42.5	2.42	2.10
43	2.35	2.04
43.5	2.27	1.98
44	2.20	1.92
44.5	2.12	1.86
45	2.04	1.80
45.5	1.97	1.74
46	1.89	1.68
46.5	1.82	1.62
47	1.74	1.56
47.5	1.66	1.51
48	1.59	1.45
48.5	1.51	1.39
49	1.43	1.33
49.5	1.36	1.27
50	1.28	1.21
50.5	1.24	1.17
51	1.20	1.14
51.5	1.16	1.11
52	1.12	1.07
52.5	1.08	1.04
53	1.04	1.01
53.5	1.00	0.98
54	0.96	0.94
54.5	0.92	0.91
55	0.88	0.88
55.5	0.84	0.84
56	0.80	0.81
56.5	0.76	0.78
57	0.71	0.74
57.5	0.67	0.71
58	0.63	0.68
58.5	0.59	0.65
59	0.55	0.61
59.5	0.51	0.58
60	0.47	0.55
60.5	0.47	0.54
61	0.47	0.53
61.5	0.46	0.52
62	0.46	0.51
62.5	0.46	0.50
63	0.46	0.49
63.5	0.45	0.48
64	0.45	0.47
64.5	0.45	0.46
65	0.45	0.45
65.5	0.45	0.44
66	0.44	0.43
66.5	0.44	0.42
67	0.44	0.41
67.5	0.44	0.40
68	0.43	0.39
68.5	0.43	0.38
69	0.43	0.37
69.5	0.43	0.36
70	0.42	0.35
70.5	0.42	0.34
71	0.41	0.34
71.5	0.40	0.33
72	0.40	0.32
73	0.38	0.31
73.5	0.37	0.31
74	0.37	0.30
74.5	0.36	0.29
75	0.35	0.29
75.5	0.34	0.28
76	0.34	0.27
76.5	0.33	0.27
77	0.32	0.26
78	0.31	0.25
78.5	0.30	0.24
79	0.29	0.23
79.5	0.28	0.23
80	0.28	0.22
80.5	0.27	0.22
81	0.26	0.21
81.5	0.25	0.21
82	0.25	0.20
82.5	0.24	0.19
83	0.23	0.19
83.5	0.22	0.18
84	0.22	0.18
84.5	0.21	0.17
85	0.20	0.17
85.5	0.19	0.16
86	0.18	0.16
86.5	0.18	0.15
87	0.17	0.14
87.5	0.16	0.14
88	0.15	0.13
88.5	0.15	0.13
89	0.14	0.12
89.5	0.13	0.12
90	0.12	0.11
90.5	0.13	0.12
91	0.13	0.12
91.5	0.14	0.13
92	0.14	0.13
93	0.15	0.14
93.5	0.16	0.15
94	0.16	0.16
94.5	0.17	0.16
95	0.17	0.17
95.5	0.18	0.17
96	0.19	0.18
96.5	0.19	0.18
97	0.20	0.19
97.5	0.20	0.20
98	0.21	0.20
98.5	0.21	0.21
99	0.22	0.21
99.5	0.22	0.22
100	0.23	0.22

Figure 6.E. TransRisk Score: Modified New-Account Performance (Percent Bad),
by Demographic Group
Age (years)
Percent bad

Score	Younger than 30	30-39	40-49	50-61	62 or older
0	34.50	37.02	31.77	31.63	24.20
0.5	33.80	36.01	30.96	30.62	23.67
1	33.10	35.00	30.15	29.62	23.15
1.5	32.41	33.99	29.33	28.61	22.62
2	31.71	32.98	28.52	27.61	22.09
2.5	31.01	31.97	27.70	26.60	21.56
3	30.31	30.96	26.89	25.59	21.04
3.5	29.62	29.95	26.08	24.59	20.51
4	28.92	28.94	25.26	23.58	19.98
4.5	28.22	27.92	24.45	22.58	19.45
5	27.53	26.91	23.63	21.57	18.93
5.5	26.83	25.90	22.82	20.57	18.40
6	26.13	24.89	22.01	19.56	17.87
6.5	25.43	23.88	21.19	18.55	17.34
7	24.74	22.87	20.38	17.55	16.82
7.5	24.04	21.86	19.56	16.54	16.29
8	23.34	20.85	18.75	15.54	15.76
8.5	22.64	19.83	17.94	14.53	15.23
9	21.95	18.82	17.12	13.53	14.71
9.5	21.25	17.81	16.31	12.52	14.18
10	20.55	16.80	15.49	11.52	13.65
10.5	20.28	16.34	15.03	11.26	13.31
11	20.01	15.89	14.57	11.01	12.98
11.5	19.74	15.43	14.11	10.75	12.64
12	19.47	14.98	13.65	10.50	12.30
12.5	19.20	14.52	13.18	10.25	11.96
13	18.93	14.07	12.72	9.99	11.62
13.5	18.65	13.61	12.26	9.74	11.28
14	18.38	13.15	11.80	9.48	10.95
14.5	18.11	12.70	11.34	9.23	10.61
15	17.84	12.24	10.87	8.98	10.27
15.5	17.57	11.79	10.41	8.72	9.93
16	17.30	11.33	9.95	8.47	9.59
16.5	17.03	10.88	9.49	8.21	9.25
17	16.76	10.42	9.02	7.96	8.92
17.5	16.48	9.96	8.56	7.71	8.58
18	16.21	9.51	8.10	7.45	8.24
18.5	15.94	9.05	7.64	7.20	7.90
19	15.67	8.60	7.18	6.94	7.56
19.5	15.40	8.14	6.71	6.69	7.23
20	15.13	7.69	6.25	6.44	6.89
20.5	14.76	7.56	6.16	6.28	6.77
21	14.39	7.42	6.06	6.13	6.65
21.5	14.02	7.29	5.97	5.98	6.53
22	13.65	7.16	5.88	5.82	6.41
22.5	13.28	7.03	5.78	5.67	6.29
23	12.91	6.90	5.69	5.52	6.17
23.5	12.54	6.77	5.59	5.36	6.05
24	12.16	6.64	5.50	5.21	5.93
24.5	11.79	6.51	5.41	5.06	5.81
25	11.42	6.38	5.31	4.90	5.69
25.5	11.05	6.25	5.22	4.75	5.57
26	10.68	6.12	5.12	4.60	5.45
26.5	10.31	5.99	5.03	4.45	5.33
27	9.94	5.86	4.93	4.29	5.21
27.5	9.57	5.72	4.84	4.14	5.09
28	9.20	5.59	4.75	3.99	4.97
28.5	8.83	5.46	4.65	3.83	4.85
29	8.46	5.33	4.56	3.68	4.73
29.5	8.09	5.20	4.46	3.53	4.61
30	7.72	5.07	4.37	3.37	4.49
30.5	7.53	4.96	4.25	3.29	4.46
31	7.33	4.85	4.13	3.20	4.43
31.5	7.14	4.74	4.01	3.11	4.40
32	6.95	4.63	3.89	3.02	4.37
32.5	6.75	4.52	3.77	2.93	4.33
33	6.56	4.41	3.65	2.85	4.30
33.5	6.36	4.29	3.53	2.76	4.27
34	6.17	4.18	3.40	2.67	4.24
34.5	5.98	4.07	3.28	2.58	4.21
35	5.78	3.96	3.16	2.49	4.17
35.5	5.59	3.85	3.04	2.41	4.14
36	5.40	3.74	2.92	2.32	4.11
36.5	5.20	3.63	2.80	2.23	4.08
37	5.01	3.52	2.68	2.14	4.05
37.5	4.82	3.41	2.56	2.05	4.01
38	4.62	3.30	2.44	1.97	3.98
38.5	4.43	3.19	2.32	1.88	3.95
39	4.23	3.08	2.20	1.79	3.92
39.5	4.04	2.96	2.08	1.70	3.89
40	3.85	2.85	1.96	1.61	3.85
40.5	3.79	2.75	1.91	1.56	3.73
41	3.73	2.64	1.86	1.50	3.60
41.5	3.67	2.54	1.81	1.45	3.47
42	3.61	2.44	1.76	1.40	3.35
42.5	3.55	2.33	1.71	1.34	3.22
43	3.49	2.23	1.66	1.29	3.09
43.5	3.43	2.12	1.61	1.23	2.96
44	3.37	2.02	1.56	1.18	2.84
44.5	3.31	1.91	1.51	1.12	2.71
45	3.25	1.81	1.46	1.07	2.58
45.5	3.18	1.71	1.41	1.01	2.45
46	3.12	1.60	1.36	0.96	2.33
46.5	3.06	1.50	1.32	0.91	2.20
47	3.00	1.39	1.27	0.85	2.07
47.5	2.94	1.29	1.22	0.80	1.94
48	2.88	1.18	1.17	0.74	1.82
48.5	2.82	1.08	1.12	0.69	1.69
49	2.76	0.97	1.07	0.63	1.56
49.5	2.70	0.87	1.02	0.58	1.44
50	2.64	0.77	0.97	0.52	1.31
50.5	2.58	0.75	0.94	0.50	1.25
51	2.51	0.73	0.92	0.48	1.20
51.5	2.44	0.71	0.89	0.46	1.15
52	2.37	0.69	0.87	0.44	1.09
52.5	2.31	0.67	0.84	0.42	1.04
53	2.24	0.65	0.82	0.40	0.99
53.5	2.17	0.63	0.79	0.38	0.93
54	2.10	0.61	0.77	0.36	0.88
54.5	2.03	0.59	0.74	0.34	0.83
55	1.97	0.57	0.72	0.32	0.77
55.5	1.90	0.55	0.69	0.30	0.72
56	1.83	0.53	0.67	0.28	0.67
56.5	1.76	0.51	0.64	0.26	0.61
57	1.70	0.49	0.62	0.24	0.56
57.5	1.63	0.47	0.59	0.22	0.51
58	1.56	0.45	0.57	0.20	0.45
58.5	1.49	0.43	0.54	0.18	0.40
59	1.43	0.41	0.52	0.16	0.34
59.5	1.36	0.39	0.49	0.14	0.29
60	1.29	0.37	0.46	0.12	0.24
60.5	1.27	0.37	0.45	0.14	0.26
61	1.26	0.37	0.43	0.15	0.29
61.5	1.24	0.37	0.41	0.16	0.31
62	1.22	0.37	0.40	0.17	0.33
62.5	1.20	0.37	0.38	0.18	0.36
63	1.18	0.37	0.36	0.20	0.38
63.5	1.16	0.37	0.34	0.21	0.41
64	1.15	0.37	0.33	0.22	0.43
64.5	1.13	0.37	0.31	0.23	0.46
65	1.11	0.37	0.29	0.24	0.48
65.5	1.09	0.37	0.27	0.26	0.51
66	1.07	0.37	0.26	0.27	0.53
66.5	1.05	0.37	0.24	0.28	0.55
67	1.04	0.37	0.22	0.29	0.58
67.5	1.02	0.37	0.20	0.30	0.60
68	1.00	0.37	0.19	0.32	0.63
68.5	0.98	0.37	0.17	0.33	0.65
69	0.96	0.37	0.15	0.34	0.68
69.5	0.95	0.37	0.14	0.35	0.70
70	0.93	0.37	0.12	0.36	0.72
70.5	0.88	0.36	0.12	0.35	0.71
71	0.83	0.36	0.12	0.35	0.70
71.5	0.78	0.35	0.12	0.34	0.69
72	0.72	0.35	0.12	0.33	0.68
73	0.62	0.34	0.12	0.31	0.66
73.5	0.57	0.34	0.12	0.31	0.65
74	0.52	0.33	0.13	0.30	0.64
74.5	0.47	0.33	0.13	0.29	0.63
75	0.42	0.33	0.13	0.28	0.62
75.5	0.37	0.32	0.13	0.27	0.61
76	0.32	0.32	0.13	0.26	0.60
76.5	0.27	0.32	0.13	0.26	0.59
77	0.22	0.31	0.13	0.25	0.58
78	0.12	0.30	0.13	0.23	0.56
78.5	0.06	0.30	0.13	0.22	0.55
79	0.01	0.30	0.13	0.21	0.54
79.5	0.00	0.29	0.14	0.21	0.53
80	0.00	0.29	0.14	0.20	0.52
80.5	0.00	0.27	0.13	0.20	0.50
81	0.00	0.26	0.13	0.20	0.48
81.5	0.00	0.24	0.13	0.20	0.46
82	0.00	0.23	0.13	0.20	0.44
82.5	0.00	0.21	0.12	0.19	0.42
83	0.00	0.20	0.12	0.19	0.40
83.5	0.00	0.18	0.12	0.19	0.38
84	0.00	0.17	0.11	0.19	0.36
84.5	0.00	0.15	0.11	0.19	0.34
85	0.00	0.14	0.11	0.19	0.32
85.5	0.00	0.12	0.11	0.19	0.30
86	0.00	0.11	0.10	0.19	0.28
86.5	0.00	0.09	0.10	0.19	0.26
87	0.01	0.08	0.10	0.19	0.24
87.5	0.02	0.06	0.10	0.19	0.22
88	0.02	0.05	0.09	0.19	0.20
88.5	0.03	0.04	0.09	0.19	0.18
89	0.04	0.02	0.09	0.18	0.16
89.5	0.04	0.01	0.09	0.18	0.14
90	0.05	0.00	0.08	0.18	0.12
90.5	0.05	0.00	0.09	0.17	0.14
91	0.04	0.00	0.09	0.17	0.16
91.5	0.04	0.00	0.10	0.16	0.18
92	0.03	0.00	0.10	0.15	0.20
93	0.02	0.00	0.11	0.13	0.24
93.5	0.02	0.00	0.12	0.12	0.26
94	0.02	0.00	0.13	0.12	0.28
94.5	0.01	0.00	0.13	0.11	0.30
95	0.01	0.00	0.14	0.10	0.32
95.5	0.00	0.00	0.14	0.09	0.34
96	0.00	0.00	0.15	0.08	0.35
96.5	0.00	0.00	0.15	0.07	0.37
97	0.00	0.00	0.16	0.07	0.39
97.5	0.00	0.00	0.16	0.06	0.41
98	0.00	0.00	0.17	0.05	0.43
98.5	0.00	0.01	0.17	0.04	0.45
99	0.00	0.01	0.18	0.03	0.47
99.5	0.00	0.01	0.18	0.02	0.49
100	0.00	0.01	0.19	0.01	0.51

Figure 6.E. TransRisk Score: Modified New-Account Performance (Percent Bad),
by Demographic Group
Marital status
Percent bad

Score	Married male	Single male	Married female	Single female
0	29.69	34.20	30.21	36.71
0.5	28.91	33.21	29.46	35.76
1	28.13	32.22	28.70	34.81
1.5	27.35	31.23	27.95	33.87
2	26.57	30.24	27.20	32.92
2.5	25.79	29.26	26.44	31.97
3	25.01	28.27	25.69	31.02
3.5	24.23	27.28	24.93	30.07
4	23.45	26.29	24.18	29.12
4.5	22.67	25.30	23.43	28.17
5	21.90	24.31	22.67	27.22
5.5	21.12	23.33	21.92	26.27
6	20.34	22.34	21.17	25.33
6.5	19.56	21.35	20.41	24.38
7	18.78	20.36	19.66	23.43
7.5	18.00	19.37	18.90	22.48
8	17.22	18.39	18.15	21.53
8.5	16.44	17.40	17.40	20.58
9	15.66	16.41	16.64	19.63
9.5	14.88	15.42	15.89	18.68
10	14.10	14.43	15.14	17.74
10.5	13.70	14.18	14.76	17.24
11	13.29	13.93	14.39	16.74
11.5	12.89	13.68	14.02	16.24
12	12.48	13.43	13.64	15.74
12.5	12.07	13.17	13.27	15.24
13	11.67	12.92	12.90	14.74
13.5	11.26	12.67	12.53	14.25
14	10.86	12.42	12.15	13.75
14.5	10.45	12.17	11.78	13.25
15	10.04	11.92	11.41	12.75
15.5	9.64	11.67	11.04	12.25
16	9.23	11.41	10.66	11.75
16.5	8.82	11.16	10.29	11.26
17	8.42	10.91	9.92	10.76
17.5	8.01	10.66	9.55	10.26
18	7.61	10.41	9.17	9.76
18.5	7.20	10.16	8.80	9.26
19	6.79	9.90	8.43	8.76
19.5	6.39	9.65	8.05	8.27
20	5.98	9.40	7.68	7.77
20.5	5.87	9.29	7.45	7.74
21	5.76	9.17	7.22	7.72
21.5	5.65	9.06	6.99	7.69
22	5.54	8.95	6.76	7.66
22.5	5.43	8.83	6.53	7.64
23	5.32	8.72	6.30	7.61
23.5	5.21	8.61	6.07	7.59
24	5.10	8.49	5.84	7.56
24.5	4.99	8.38	5.61	7.53
25	4.88	8.27	5.38	7.51
25.5	4.77	8.15	5.14	7.48
26	4.66	8.04	4.91	7.46
26.5	4.55	7.93	4.68	7.43
27	4.44	7.81	4.45	7.40
27.5	4.33	7.70	4.22	7.38
28	4.21	7.59	3.99	7.35
28.5	4.10	7.47	3.76	7.33
29	3.99	7.36	3.53	7.30
29.5	3.88	7.25	3.30	7.27
30	3.77	7.13	3.07	7.25
30.5	3.69	6.94	3.01	7.00
31	3.60	6.76	2.96	6.74
31.5	3.51	6.57	2.90	6.49
32	3.42	6.38	2.85	6.24
32.5	3.33	6.20	2.79	5.99
33	3.25	6.01	2.73	5.73
33.5	3.16	5.82	2.68	5.48
34	3.07	5.64	2.62	5.23
34.5	2.98	5.45	2.57	4.98
35	2.89	5.26	2.51	4.73
35.5	2.81	5.08	2.46	4.47
36	2.72	4.89	2.40	4.22
36.5	2.63	4.70	2.35	3.97
37	2.54	4.51	2.29	3.72
37.5	2.45	4.33	2.23	3.47
38	2.37	4.14	2.18	3.21
38.5	2.28	3.95	2.12	2.96
39	2.19	3.77	2.07	2.71
39.5	2.10	3.58	2.01	2.46
40	2.02	3.39	1.96	2.20
40.5	1.95	3.31	1.90	2.19
41	1.88	3.22	1.85	2.18
41.5	1.82	3.13	1.79	2.16
42	1.75	3.05	1.74	2.15
42.5	1.68	2.96	1.68	2.13
43	1.62	2.88	1.63	2.12
43.5	1.55	2.79	1.57	2.10
44	1.48	2.70	1.52	2.09
44.5	1.42	2.62	1.46	2.07
45	1.35	2.53	1.41	2.06
45.5	1.29	2.45	1.35	2.05
46	1.22	2.36	1.30	2.03
46.5	1.15	2.27	1.24	2.02
47	1.09	2.19	1.19	2.00
47.5	1.02	2.10	1.13	1.99
48	0.95	2.02	1.08	1.97
48.5	0.89	1.93	1.02	1.96
49	0.82	1.84	0.97	1.94
49.5	0.75	1.76	0.91	1.93
50	0.69	1.67	0.86	1.91
50.5	0.67	1.60	0.83	1.83
51	0.66	1.52	0.80	1.75
51.5	0.64	1.45	0.77	1.67
52	0.63	1.37	0.74	1.59
52.5	0.61	1.30	0.71	1.51
53	0.60	1.23	0.68	1.43
53.5	0.58	1.15	0.65	1.35
54	0.56	1.08	0.62	1.27
54.5	0.55	1.00	0.59	1.19
55	0.53	0.93	0.56	1.11
55.5	0.52	0.86	0.53	1.03
56	0.50	0.78	0.50	0.95
56.5	0.49	0.71	0.47	0.87
57	0.47	0.63	0.44	0.79
57.5	0.46	0.56	0.42	0.71
58	0.44	0.49	0.39	0.63
58.5	0.43	0.41	0.36	0.55
59	0.41	0.34	0.33	0.47
59.5	0.40	0.26	0.30	0.39
60	0.38	0.19	0.27	0.31
60.5	0.37	0.21	0.26	0.34
61	0.36	0.23	0.26	0.36
61.5	0.35	0.26	0.25	0.39
62	0.34	0.28	0.24	0.41
62.5	0.34	0.30	0.24	0.44
63	0.33	0.33	0.23	0.47
63.5	0.32	0.35	0.22	0.49
64	0.31	0.37	0.22	0.52
64.5	0.30	0.40	0.21	0.54
65	0.29	0.42	0.20	0.57
65.5	0.28	0.44	0.20	0.60
66	0.27	0.46	0.19	0.62
66.5	0.27	0.49	0.18	0.65
67	0.26	0.51	0.18	0.67
67.5	0.25	0.53	0.17	0.70
68	0.24	0.56	0.16	0.73
68.5	0.23	0.58	0.16	0.75
69	0.22	0.60	0.15	0.78
69.5	0.21	0.63	0.15	0.80
70	0.20	0.65	0.14	0.83
70.5	0.20	0.65	0.15	0.79
71	0.19	0.65	0.15	0.75
71.5	0.19	0.65	0.16	0.71
72	0.19	0.64	0.17	0.67
73	0.18	0.64	0.19	0.59
73.5	0.17	0.64	0.19	0.55
74	0.17	0.64	0.20	0.51
74.5	0.17	0.64	0.21	0.47
75	0.16	0.64	0.22	0.43
75.5	0.16	0.64	0.23	0.39
76	0.15	0.64	0.23	0.35
76.5	0.15	0.64	0.24	0.31
77	0.14	0.64	0.25	0.27
78	0.14	0.63	0.27	0.19
78.5	0.13	0.63	0.27	0.15
79	0.13	0.63	0.28	0.11
79.5	0.12	0.63	0.29	0.07
80	0.12	0.63	0.30	0.03
80.5	0.12	0.60	0.29	0.04
81	0.12	0.57	0.28	0.06
81.5	0.12	0.54	0.26	0.07
82	0.12	0.51	0.25	0.08
82.5	0.12	0.49	0.24	0.09
83	0.12	0.46	0.23	0.10
83.5	0.12	0.43	0.22	0.11
84	0.12	0.40	0.21	0.12
84.5	0.12	0.37	0.20	0.13
85	0.12	0.34	0.19	0.14
85.5	0.12	0.31	0.18	0.15
86	0.12	0.28	0.16	0.16
86.5	0.12	0.25	0.15	0.17
87	0.12	0.22	0.14	0.18
87.5	0.11	0.19	0.13	0.19
88	0.11	0.17	0.12	0.21
88.5	0.11	0.14	0.11	0.22
89	0.11	0.11	0.10	0.23
89.5	0.11	0.08	0.09	0.24
90	0.11	0.05	0.08	0.25
90.5	0.12	0.05	0.08	0.27
91	0.13	0.04	0.08	0.30
91.5	0.14	0.04	0.09	0.32
92	0.15	0.03	0.09	0.35
93	0.17	0.03	0.10	0.40
93.5	0.18	0.02	0.10	0.42
94	0.19	0.02	0.10	0.45
94.5	0.20	0.01	0.11	0.47
95	0.21	0.01	0.11	0.50
95.5	0.22	0.01	0.11	0.52
96	0.23	0.00	0.12	0.55
96.5	0.24	0.00	0.12	0.57
97	0.25	0.00	0.12	0.60
97.5	0.25	0.00	0.13	0.62
98	0.26	0.00	0.13	0.65
98.5	0.27	0.00	0.13	0.67
99	0.28	0.00	0.14	0.70
99.5	0.29	0.00	0.14	0.72
100	0.30	0.00	0.14	0.75

Figure 6.E. TransRisk Score: Modified New-Account Performance (Percent Bad),
by Demographic Group
Income ratio of tract
Percent bad

Score	Low	Moderate	Middle	High
0	43.72	38.65	31.04	27.54
0.5	42.54	37.62	30.24	26.93
1	41.36	36.58	29.44	26.31
1.5	40.18	35.54	28.64	25.70
2	39.00	34.51	27.83	25.08
2.5	37.82	33.47	27.03	24.47
3	36.64	32.43	26.23	23.85
3.5	35.46	31.40	25.42	23.23
4	34.28	30.36	24.62	22.62
4.5	33.10	29.32	23.82	22.00
5	31.92	28.29	23.01	21.39
5.5	30.74	27.25	22.21	20.77
6	29.56	26.21	21.41	20.16
6.5	28.38	25.18	20.60	19.54
7	27.20	24.14	19.80	18.93
7.5	26.02	23.10	19.00	18.31
8	24.84	22.07	18.20	17.70
8.5	23.66	21.03	17.39	17.08
9	22.47	19.99	16.59	16.47
9.5	21.29	18.96	15.79	15.85
10	20.11	17.92	14.98	15.24
10.5	20.05	17.55	14.64	14.77
11	19.98	17.18	14.29	14.31
11.5	19.92	16.80	13.94	13.85
12	19.85	16.43	13.59	13.39
12.5	19.79	16.06	13.24	12.93
13	19.73	15.69	12.90	12.47
13.5	19.66	15.31	12.55	12.01
14	19.60	14.94	12.20	11.55
14.5	19.53	14.57	11.85	11.09
15	19.47	14.20	11.50	10.63
15.5	19.40	13.82	11.16	10.17
16	19.34	13.45	10.81	9.70
16.5	19.27	13.08	10.46	9.24
17	19.21	12.71	10.11	8.78
17.5	19.14	12.33	9.77	8.32
18	19.08	11.96	9.42	7.86
18.5	19.01	11.59	9.07	7.40
19	18.95	11.22	8.72	6.94
19.5	18.88	10.85	8.37	6.48
20	18.82	10.47	8.03	6.02
20.5	18.21	10.27	7.88	5.91
21	17.61	10.06	7.74	5.80
21.5	17.00	9.86	7.60	5.69
22	16.40	9.65	7.45	5.58
22.5	15.80	9.44	7.31	5.47
23	15.19	9.24	7.17	5.36
23.5	14.59	9.03	7.03	5.25
24	13.98	8.83	6.88	5.14
24.5	13.38	8.62	6.74	5.04
25	12.78	8.42	6.60	4.93
25.5	12.17	8.21	6.46	4.82
26	11.57	8.00	6.31	4.71
26.5	10.96	7.80	6.17	4.60
27	10.36	7.59	6.03	4.49
27.5	9.76	7.39	5.89	4.38
28	9.15	7.18	5.74	4.27
28.5	8.55	6.98	5.60	4.16
29	7.94	6.77	5.46	4.05
29.5	7.34	6.56	5.31	3.95
30	6.73	6.36	5.17	3.84
30.5	6.61	6.21	5.06	3.73
31	6.48	6.07	4.94	3.62
31.5	6.36	5.93	4.83	3.51
32	6.23	5.78	4.71	3.41
32.5	6.10	5.64	4.60	3.30
33	5.98	5.49	4.49	3.19
33.5	5.85	5.35	4.37	3.08
34	5.72	5.21	4.26	2.98
34.5	5.60	5.06	4.14	2.87
35	5.47	4.92	4.03	2.76
35.5	5.34	4.78	3.91	2.65
36	5.22	4.63	3.80	2.55
36.5	5.09	4.49	3.68	2.44
37	4.96	4.34	3.57	2.33
37.5	4.84	4.20	3.46	2.22
38	4.71	4.06	3.34	2.12
38.5	4.58	3.91	3.23	2.01
39	4.46	3.77	3.11	1.90
39.5	4.33	3.62	3.00	1.80
40	4.21	3.48	2.88	1.69
40.5	4.18	3.42	2.80	1.65
41	4.16	3.35	2.72	1.60
41.5	4.13	3.29	2.64	1.56
42	4.11	3.23	2.56	1.52
42.5	4.09	3.16	2.49	1.48
43	4.06	3.10	2.41	1.44
43.5	4.04	3.03	2.33	1.40
44	4.01	2.97	2.25	1.35
44.5	3.99	2.91	2.17	1.31
45	3.97	2.84	2.09	1.27
45.5	3.94	2.78	2.01	1.23
46	3.92	2.72	1.93	1.19
46.5	3.89	2.65	1.85	1.14
47	3.87	2.59	1.77	1.10
47.5	3.85	2.53	1.69	1.06
48	3.82	2.46	1.61	1.02
48.5	3.80	2.40	1.53	0.98
49	3.77	2.33	1.45	0.94
49.5	3.75	2.27	1.37	0.89
50	3.73	2.21	1.29	0.85
50.5	3.65	2.14	1.25	0.84
51	3.58	2.07	1.21	0.82
51.5	3.50	2.00	1.17	0.80
52	3.43	1.93	1.13	0.78
52.5	3.35	1.86	1.10	0.77
53	3.28	1.79	1.06	0.75
53.5	3.20	1.72	1.02	0.73
54	3.13	1.65	0.98	0.71
54.5	3.05	1.58	0.94	0.70
55	2.98	1.51	0.90	0.68
55.5	2.90	1.44	0.86	0.66
56	2.83	1.37	0.83	0.65
56.5	2.75	1.30	0.79	0.63
57	2.68	1.23	0.75	0.61
57.5	2.60	1.16	0.71	0.59
58	2.53	1.09	0.67	0.58
58.5	2.45	1.02	0.63	0.56
59	2.38	0.95	0.59	0.54
59.5	2.30	0.88	0.56	0.52
60	2.23	0.81	0.52	0.51
60.5	2.19	0.80	0.52	0.49
61	2.15	0.79	0.51	0.48
61.5	2.11	0.78	0.51	0.47
62	2.07	0.77	0.51	0.45
62.5	2.03	0.75	0.51	0.44
63	1.99	0.74	0.51	0.42
63.5	1.95	0.73	0.51	0.41
64	1.91	0.72	0.51	0.40
64.5	1.87	0.71	0.50	0.38
65	1.83	0.70	0.50	0.37
65.5	1.79	0.69	0.50	0.36
66	1.75	0.68	0.50	0.34
66.5	1.71	0.67	0.50	0.33
67	1.67	0.66	0.50	0.32
67.5	1.63	0.65	0.50	0.30
68	1.60	0.64	0.49	0.29
68.5	1.56	0.62	0.49	0.27
69	1.52	0.61	0.49	0.26
69.5	1.48	0.60	0.49	0.25
70	1.44	0.59	0.49	0.23
70.5	1.34	0.59	0.48	0.23
71	1.24	0.58	0.47	0.22
71.5	1.14	0.57	0.46	0.22
72	1.04	0.57	0.45	0.21
73	0.84	0.55	0.43	0.20
73.5	0.74	0.55	0.42	0.19
74	0.64	0.54	0.41	0.19
74.5	0.54	0.53	0.40	0.18
75	0.44	0.53	0.39	0.18
75.5	0.34	0.52	0.38	0.17
76	0.24	0.51	0.37	0.16
76.5	0.14	0.51	0.36	0.16
77	0.04	0.50	0.35	0.15
78	0.00	0.49	0.33	0.14
78.5	0.00	0.48	0.32	0.14
79	0.00	0.47	0.31	0.13
79.5	0.00	0.47	0.30	0.12
80	0.00	0.46	0.29	0.12
80.5	0.00	0.44	0.28	0.12
81	0.00	0.42	0.27	0.12
81.5	0.00	0.40	0.27	0.12
82	0.00	0.38	0.26	0.12
82.5	0.00	0.36	0.25	0.12
83	0.00	0.34	0.25	0.11
83.5	0.00	0.32	0.24	0.11
84	0.00	0.30	0.23	0.11
84.5	0.00	0.28	0.23	0.11
85	0.00	0.26	0.22	0.11
85.5	0.00	0.24	0.21	0.11
86	0.00	0.21	0.20	0.11
86.5	0.00	0.19	0.20	0.11
87	0.00	0.17	0.19	0.11
87.5	0.00	0.15	0.18	0.11
88	0.04	0.13	0.18	0.11
88.5	0.07	0.11	0.17	0.11
89	0.11	0.09	0.16	0.10
89.5	0.15	0.07	0.16	0.10
90	0.18	0.05	0.15	0.10
90.5	0.17	0.05	0.15	0.11
91	0.15	0.04	0.15	0.12
91.5	0.13	0.04	0.16	0.13
92	0.12	0.03	0.16	0.14
93	0.08	0.03	0.16	0.16
93.5	0.06	0.02	0.16	0.17
94	0.05	0.02	0.17	0.18
94.5	0.03	0.01	0.17	0.19
95	0.01	0.01	0.17	0.19
95.5	0.00	0.01	0.17	0.20
96	0.00	0.00	0.18	0.21
96.5	0.00	0.00	0.18	0.22
97	0.00	0.00	0.18	0.23
97.5	0.00	0.00	0.18	0.24
98	0.00	0.00	0.19	0.25
98.5	0.00	0.00	0.19	0.26
99	0.00	0.00	0.19	0.27
99.5	0.00	0.00	0.19	0.28
100	0.00	0.00	0.19	0.29

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