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Gender-Related Differences in Credit Use and Credit Scores Accessible Data
Figure 1: Kernel Density Function of Credit Score Distributions by Gender and Age
Figure 1 shows the kernel density functions of the credit score distributions of male and female consumers in two age groups, respectively. The top panel shows the kernel density functions of the distributions of male and female consumers between 21 and 30 years old, and the bottom panel shows the kernel density functions of the distributions of male and female consumers between 31 and 40 years old. In each panel, the red solid line plots the kernel density function of male consumers, and the blue dashed line plots the kernel density function of female consumers. The blue dashed line lies above the red solid line (men's) for scores below 710 for the age 21 to 30 group and for scores below 800 for the age 31 to 40 group; the red solid line lies above the blue dashed line for scores above 810 or so for both age groups.