Report to the Congress on Credit Scoring and Its Effects on the Availability and Affordability of Credit
Submitted to the Congress pursuant to section 215 of the Fair and Accurate Credit Transactions Act of 2003
August 2007
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Tables for Findings on Differential Effect
| Characteristic | Mean score differ- ence |
Distribution | Differences within scorecards | Frequency percentage | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Thin | Major derog- atory |
Total | Thin | Clean | Major derog- atory |
Thin | Clean | Major derog- atory |
||
| Race or ethnicity--SSA data | ||||||||||
| Non-Hispanic whiteB | .0 | .0 | .0 | .0 | .0 | .0 | .0 | 6.9 | 64.5 | 28.6 |
| Black | -28.3 | -1.9 | -15.5 | -11.0 | -3.0 | -3.2 | -4.8 | 13.5 | 23.9 | 62.6 |
| Hispanic | -15.7 | -1.5 | -7.4 | -6.8 | -1.2 | -4.0 | -1.6 | 12.1 | 43.0 | 44.9 |
| Asian | .7 | -.6 | 2.0 | -.7 | .8 | -2.0 | .5 | 9.2 | 66.8 | 24.1 |
| American Indian | 3.3 | .4 | .8 | 2.2 | .6 | .9 | .7 | 5.4 | 67.7 | 27.0 |
| Unknown race | -1.9 | -8.6 | 3.3 | 3.5 | 4.8 | -1.0 | -.3 | 37.4 | 41.1 | 21.5 |
| Race or ethnicity--location-based distribution | ||||||||||
| Non-Hispanic whiteB | .0 | .0 | .0 | .0 | .0 | .0 | .0 | 11.7 | 59.4 | 28.9 |
| Black | -15.2 | -1.1 | -7.8 | -6.3 | -2.1 | -2.1 | -2.1 | 16.5 | 37.6 | 45.9 |
| Hispanic | -9.6 | -1.0 | -4.3 | -4.2 | -1.2 | -2.1 | -.9 | 16.5 | 45.3 | 38.2 |
| Asian | -.1 | -.4 | .3 | .0 | .2 | -.3 | .1 | 13.7 | 58.2 | 28.2 |
| American Indian | -8.7 | -.3 | -4.6 | -3.8 | -.9 | -1.7 | -1.2 | 13.3 | 47.9 | 38.9 |
| National origin | ||||||||||
| Foreign-born | -1.5 | .6 | -.2 | -1.9 | -.2 | -2.4 | .7 | 10.6 | 57.5 | 32.0 |
| Recent immigrant | -5.9 | -1.1 | 3.6 | -8.4 | .3 | -8.5 | -.2 | 17.6 | 58.5 | 23.9 |
| Sex | ||||||||||
| MaleB | .0 | .0 | .0 | .0 | .0 | .0 | .0 | 8.8 | 57.0 | 34.2 |
| Female | 1.2 | .4 | .6 | .1 | .1 | .3 | -.3 | 7.6 | 59.6 | 32.8 |
| Unknown | 3.9 | -13.4 | 8.2 | 9.1 | 9.7 | -.6 | .0 | 50.6 | 33.2 | 16.2 |
| Marital status | ||||||||||
| Married male | .0 | .0 | .0 | .0 | .0 | .0 | .0 | 5.5 | 66.9 | 27.6 |
| Single male | -12.8 | -1.2 | -5.7 | -5.9 | -1.0 | -3.2 | -1.7 | 10.0 | 49.7 | 40.2 |
| Married female | 1.3 | .3 | .8 | .2 | .1 | .3 | -.2 | 4.4 | 69.7 | 25.9 |
| Single female | -11.9 | -.8 | -5.4 | -5.8 | -.8 | -3.0 | -2.0 | 8.5 | 52.1 | 39.5 |
| Unknown | -12.7 | -6.5 | -2.0 | -4.1 | .8 | -3.0 | -1.9 | 30.4 | 37.5 | 32.1 |
| Age--SSA data (years) | ||||||||||
| Younger than 30 | -32.8 | -1.5 | -9.2 | -22.1 | -6.8 | -10.2 | -5.1 | 20.9 | 41.4 | 37.7 |
| 30 to 39 | -25.2 | .0 | -12.2 | -13.1 | -2.7 | -5.7 | -4.7 | 7.0 | 48.5 | 44.5 |
| 40 to 49 | -17.8 | .2 | -9.5 | -8.6 | -1.9 | -3.8 | -2.9 | 5.1 | 56.5 | 38.4 |
| 50 to 61 | -10.6 | .3 | -6.1 | -4.8 | -1.1 | -2.4 | -1.3 | 4.0 | 65.0 | 31.0 |
| 62 or older1 | .0 | .0 | .0 | .0 | .0 | .0 | .0 | 7.1 | 75.4 | 17.5 |
| Unknown | -13.1 | -4.9 | .6 | -8.8 | -4.5 | -3.0 | -1.3 | 50.7 | 33.1 | 16.2 |
| Census tract characteristics | ||||||||||
| Income ratio | ||||||||||
| Low | -18.7 | -2.6 | -7.2 | -8.9 | -3.6 | -2.9 | -2.4 | 23.7 | 28.7 | 47.6 |
| Moderate | -9.7 | -1.1 | -4.4 | -4.3 | -1.3 | -1.8 | -1.2 | 16.8 | 41.8 | 41.4 |
| Middle1 | .0 | .0 | .0 | .0 | .0 | .0 | .0 | 12.1 | 56.3 | 31.6 |
| High | 8.4 | .5 | 3.8 | 4.1 | .8 | 2.4 | .9 | 9.9 | 66.9 | 23.2 |
| Unknown | -4.5 | -2.3 | 1.8 | -4.0 | .4 | -4.2 | -.2 | 22.3 | 50.1 | 27.6 |
| Minority population (percent) | ||||||||||
| Less than 101 | .0 | .0 | .0 | .0 | .0 | .0 | .0 | 10.6 | 63.9 | 25.5 |
| 10-49 | -5.7 | -.4 | -3.1 | -2.2 | -.5 | -1.1 | -.6 | 12.7 | 55.1 | 32.2 |
| 50-79 | -14.9 | -1.1 | -7.6 | -6.2 | -1.7 | -2.5 | -2.0 | 16.0 | 41.9 | 42.1 |
| 80 or more | -21.3 | -2.0 | -10.1 | -9.3 | -3.2 | -3.3 | -2.8 | 20.2 | 32.2 | 47.6 |
| Urban | .0 | .0 | .0 | .0 | .0 | .0 | .0 | 12.7 | 55.9 | 31.4 |
| Rural | -1.4 | .0 | -.7 | -.6 | .1 | -.4 | -.3 | 12.9 | 54.3 | 32.8 |
B. Base population group from which the deviations were calculated. Return to table
| Characteristic | S0591 | AT36 | RE34 | AT26 | AT28 | G096 | G103 | IN34 | Total | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | |
| Race or ethnicity--SSA data | ||||||||||||||||||
| Non-Hispanic whiteB | .0 | … | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Black | -1.3 | 43.1 | -.9 | 29.1 | -.3 | 8.9 | -.2 | 5.3 | -.2 | 5.4 | -.1 | 3.8 | -.1 | 4.7 | .0 | -.3 | -3.0 | 100 |
| Hispanic | -.4 | 33.4 | -.3 | 27.2 | -.2 | 13.5 | -.1 | 7.8 | -.1 | 6.0 | -.1 | 7.6 | -.1 | 4.7 | .0 | -.2 | -1.2 | 100 |
| Asian | .4 | 50.8 | .2 | 22.2 | .1 | 8.8 | .0 | 1.9 | .0 | 6.0 | .0 | 2.1 | .1 | 7.1 | .0 | 1.1 | .8 | 100 |
| American Indian | .1 | 9.4 | .0 | 7.6 | .2 | 26.0 | .1 | 22.2 | .1 | 10.9 | .1 | 14.4 | .0 | .0 | .1 | 9.3 | .6 | 100 |
| Unknown race | 2.3 | 47.4 | .9 | 19.7 | .5 | 9.5 | .4 | 9.3 | .0 | .2 | .5 | 9.5 | .1 | 1.1 | .2 | 3.3 | 4.8 | 100 |
| Race or ethnicity--location-based distribution | ||||||||||||||||||
| Non-Hispanic whiteB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Black | -.9 | 41.3 | -.6 | 29.1 | -.2 | 10.1 | -.1 | 5.8 | -.1 | 5.8 | -.1 | 3.8 | -.1 | 4.1 | .0 | .0 | -2.1 | 100 |
| Hispanic | -.4 | 34.4 | -.4 | 29.2 | -.2 | 13.9 | -.1 | 8.1 | -.1 | 6.2 | .0 | 3.9 | .0 | 4.0 | .0 | .4 | -1.2 | 100 |
| Asian | .1 | 53.3 | .0 | 21.5 | .0 | 7.6 | .0 | -.9 | .0 | 6.0 | .0 | 3.9 | .0 | 7.0 | .0 | 1.7 | .2 | 100 |
| American Indian | -.3 | 38.0 | -.2 | 27.5 | -.1 | 12.5 | -.1 | 7.9 | .0 | 3.5 | .0 | 3.6 | .0 | 5.4 | .0 | 1.6 | -.9 | 100 |
| National origin | ||||||||||||||||||
| Foreign-born | -.2 | 90.9 | -.1 | 58.3 | .0 | -15.5 | .1 | -42.3 | -.1 | 35.9 | .1 | -63.3 | -.1 | 44.4 | .0 | -8.3 | -.2 | 100 |
| Recent immigrant | .2 | 61.7 | .1 | 31.7 | .0 | 5.5 | .0 | -11.3 | .0 | 9.8 | .0 | -12.8 | .0 | 16.3 | .0 | -.9 | .3 | 100 |
| Sex | ||||||||||||||||||
| MaleB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Female | .0 | 17.5 | .0 | 38.4 | .0 | 23.0 | .0 | 13.2 | .0 | -14.1 | .0 | 10.4 | .0 | 3.4 | .0 | 8.1 | .1 | 100 |
| Unknown | 4.3 | 44.6 | 2.2 | 22.6 | 1.0 | 9.9 | .9 | 8.8 | .1 | 1.2 | .8 | 8.6 | .2 | 1.9 | .2 | 2.5 | 9.7 | 100 |
| Marital status | ||||||||||||||||||
| Married maleB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Single male | -.5 | 45.7 | -.3 | 28.5 | -.1 | 8.6 | .0 | 4.3 | -.1 | 6.5 | .0 | 3.6 | -.1 | 5.3 | .0 | -2.4 | -1.0 | 100 |
| Married female | .0 | 41.9 | .0 | 24.6 | .0 | 11.0 | .0 | 6.1 | .0 | -4.6 | .0 | 12.4 | .0 | 3.9 | .0 | 4.7 | .1 | 100 |
| Single female | -.4 | 48.4 | -.2 | 27.6 | -.1 | 7.0 | .0 | 3.0 | -.1 | 7.9 | .0 | 3.0 | .0 | 6.0 | .0 | -3.0 | -.8 | 100 |
| Unknown | .4 | 47.3 | .0 | 2.3 | .1 | 13.6 | .2 | 22.9 | -.2 | -23.5 | .3 | 34.7 | -.1 | -16.4 | .2 | 19.1 | .8 | 100 |
| Age--SSA data (years) | ||||||||||||||||||
| Younger than 30 | -1.9 | 28.0 | -1.5 | 22.3 | -1.0 | 14.9 | -.9 | 13.0 | -.3 | 4.8 | -.6 | 9.2 | -.2 | 2.9 | -.3 | 5.0 | -6.8 | 100 |
| 30 to 39 | -1.1 | 40.5 | -.6 | 23.5 | -.3 | 10.9 | -.2 | 7.9 | -.1 | 4.7 | -.2 | 6.1 | -.1 | 5.2 | .0 | 1.2 | -2.7 | 100 |
| 40 to 49 | -.8 | 41.5 | -.5 | 23.8 | -.2 | 10.9 | -.1 | 7.7 | -.1 | 4.5 | -.1 | 5.2 | -.1 | 5.3 | .0 | 1.0 | -1.9 | 100 |
| 50 to 61 | -.4 | 39.8 | -.3 | 24.6 | -.1 | 12.1 | -.1 | 7.6 | .0 | 4.0 | -.1 | 5.7 | -.1 | 5.0 | .0 | 1.2 | -1.1 | 100 |
| 62 or olderB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Unknown | 2.3 | -50.1 | -1.4 | 31.4 | -1.8 | 40.1 | -.9 | 20.7 | -1.4 | 31.4 | .2 | -5.0 | -1.1 | 25.1 | -.3 | 6.4 | -4.5 | 100 |
| Census tract characteristics | ||||||||||||||||||
| Income ratio | ||||||||||||||||||
| Low | -1.5 | 41.0 | -1.0 | 28.2 | -.4 | 10.1 | -.2 | 6.1 | -.2 | 6.7 | -.1 | 3.9 | -.2 | 4.3 | .0 | -.2 | -3.6 | 100 |
| Moderate | -.5 | 42.2 | -.4 | 27.3 | -.1 | 10.0 | -.1 | 6.2 | -.1 | 6.5 | -.1 | 4.1 | -.1 | 3.9 | .0 | -.3 | -1.3 | 100 |
| MiddleB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| High | .3 | 42.0 | .2 | 24.7 | .1 | 10.6 | .1 | 6.4 | .0 | 4.7 | .0 | 4.1 | .1 | 6.4 | .0 | 1.1 | .8 | 100 |
| Unknown | .3 | 74.0 | .0 | -3.6 | .0 | -.7 | .0 | 4.0 | .0 | 9.6 | .0 | 10.4 | .0 | 9.0 | .0 | -2.6 | .4 | 100 |
| Minority population (percent) | ||||||||||||||||||
| Less than 10B | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| 10-49 | -.2 | 35.7 | -.2 | 34.0 | -.1 | 11.8 | .0 | 7.6 | .0 | 4.9 | .0 | 3.3 | .0 | 3.1 | .0 | -.3 | -.5 | 100 |
| 50-79 | -.6 | 37.9 | -.5 | 31.3 | -.2 | 11.7 | -.1 | 6.8 | -.1 | 4.6 | -.1 | 3.7 | -.1 | 3.4 | .0 | .7 | -1.7 | 100 |
| 80 or more | -1.2 | 38.3 | -1.0 | 29.9 | -.4 | 11.3 | -.2 | 6.8 | -.2 | 6.3 | -.1 | 3.7 | -.1 | 3.8 | .0 | -.1 | -3.2 | 100 |
| UrbanB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Rural | -.1 | -72.9 | .1 | 112.6 | .0 | 40.4 | .0 | 1.7 | .1 | 64.6 | .1 | 72.9 | -.1 | -67.3 | -.1 | -52.1 | .1 | 100 |
1. For translation of codes for credit chracteristics, refer to next page. Return to table
(B) Base population group from which the deviations were calculated. Return to table
…Not applicable Return to table
| Code | Credit Characteristic |
|---|---|
| AT26 | Total number of accounts in good standing, opened 18 or more months ago |
| AT28 | Total maximum credit issued on open accounts reported in the past 12 months |
| AT36 | Total number of months since the most recent account delinquency |
| G096 | Total number of inquiries for credit |
| G103 | Total number of months since the most recent update on an account |
| IN34 | Percentage of total remaining balance to total maximum credit for all open installment accounts reported in the past 12 months |
| RE34 | Percentage of total remaining balance to total maximum credit for all open revolving accounts reported in the past 12 months |
| S059 | Total number of public records and derogatory accounts with an amount owed greater than $100 |
| Characteristic | AT361 | RE34 | S004 | G089 | S043 | AT28 | G096 | S019 | Total | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | |
| Race or ethnicity--SSA data | ||||||||||||||||||
| Non-Hispanic whiteB | .0 | … | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Black | -1.2 | 37.2 | -.6 | 18.8 | -.3 | 8.4 | -.3 | 10.7 | -.4 | 12.8 | -.2 | 4.7 | -.1 | 3.5 | -.1 | 3.8 | -3.2 | 100 |
| Hispanic | -1.3 | 32.4 | -.5 | 12.2 | -.9 | 23.5 | -.3 | 6.9 | -.4 | 10.0 | -.2 | 5.1 | -.2 | 6.0 | -.2 | 3.8 | -4.0 | 100 |
| Asian | 1.1 | -55.3 | .4 | -19.7 | -3.1 | 157.2 | -.1 | 7.4 | .2 | -8.9 | .0 | -.4 | -.7 | 37.3 | .4 | -17.6 | -2.0 | 100 |
| American Indian | -.7 | -72.8 | .5 | 50.8 | 1.7 | 184.8 | -.6 | -61.4 | .2 | 17.1 | -.9 | -96.2 | .8 | 91.2 | -.1 | -13.5 | .9 | 100 |
| Unknown race | .0 | 4.9 | -.2 | 15.0 | -.3 | 31.3 | -.1 | 9.9 | .1 | -11.8 | -.7 | 70.1 | .1 | -11.6 | .1 | -7.8 | -1.0 | 100 |
| Race or ethnicity-- location-based distribution | ||||||||||||||||||
| Non-Hispanic whiteB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Black | -.8 | 36.8 | -.4 | 16.9 | -.2 | 9.8 | -.2 | 10.6 | -.2 | 11.5 | -.2 | 10.5 | .0 | .6 | -.1 | 3.4 | -2.1 | 100 |
| Hispanic | -.6 | 27.1 | -.3 | 13.8 | -.5 | 23.9 | -.2 | 8.7 | -.2 | 10.3 | -.2 | 9.8 | -.1 | 2.7 | -.1 | 3.7 | -2.1 | 100 |
| Asian | .0 | 2.9 | .0 | 5.8 | -.3 | 109.3 | .0 | 14.6 | .0 | 15.8 | .1 | -41.4 | .0 | 8.1 | .0 | -15.1 | -.3 | 100 |
| American Indian | -.6 | 33.4 | -.3 | 17.3 | -.2 | 12.1 | -.2 | 11.6 | -.1 | 8.7 | -.2 | 12.2 | .0 | -2.7 | -.1 | 7.4 | -1.7 | 100 |
| National origin | ||||||||||||||||||
| Foreign-born | -.1 | 4.4 | .1 | -3.0 | -1.7 | 72.7 | -.1 | 5.6 | -.1 | 2.7 | .0 | -.2 | -.5 | 20.3 | .1 | -2.4 | -2.4 | 100 |
| Recent immigrant | -.1 | 1.3 | -.4 | 4.7 | -5.8 | 68.6 | .0 | -.1 | -.4 | 4.7 | -.7 | 7.9 | -1.2 | 13.8 | .1 | -1.0 | -8.5 | 100 |
| Sex | ||||||||||||||||||
| MaleB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Female | .0 | 13.2 | .2 | 51.2 | .1 | 18.6 | .0 | 12.9 | -.1 | -36.9 | -.3 | -107.2 | .3 | 95.5 | .2 | 52.8 | .3 | 100 |
| Unknown | 48.1 | -8,011.2 | -5.9 | 988.7 | -5.5 | 921.8 | .6 | -103.8 | 33.9 | -5,648.5 | -143.7 | 23,948.5 | 48.8 | -8,128.1 | 23.2 | -3,867.3 | -.6 | 100 |
| Marital status | ||||||||||||||||||
| Married maleB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Single male | -.7 | 21.5 | -.5 | 16.2 | -.9 | 27.0 | -.3 | 8.2 | -.1 | 4.6 | -.6 | 19.2 | -.2 | 5.1 | .1 | -1.8 | -3.2 | 100 |
| Married female | .0 | -9.6 | .2 | 59.9 | .0 | -15.2 | .0 | 13.4 | -.2 | -63.0 | -.5 | -169.7 | .5 | 165.8 | .4 | 118.4 | .3 | 100 |
| Single female | -.7 | 22.8 | -.4 | 12.6 | -.7 | 23.6 | -.3 | 8.4 | -.2 | 8.1 | -1.0 | 33.2 | .1 | -3.7 | .2 | -5.2 | -3.0 | 100 |
| Unknown | -.5 | 18.2 | -.5 | 16.7 | -1.0 | 32.3 | -.2 | 6.3 | .0 | .1 | -.9 | 29.7 | .0 | -.7 | .1 | -2.6 | -3.0 | 100 |
| Age--SSA data (years) | ||||||||||||||||||
| Younger than 30 | -2.1 | 20.1 | -1.8 | 17.8 | -4.2 | 40.7 | -.2 | 1.8 | -.7 | 6.4 | -.2 | 2.3 | -.9 | 9.0 | -.2 | 1.9 | -10.2 | 100 |
| 30 to 39 | -2.1 | 36.2 | -1.2 | 21.6 | -1.2 | 21.6 | -.2 | 3.7 | -.8 | 14.9 | 1.3 | -22.6 | -1.1 | 19.4 | -.3 | 5.2 | -5.7 | 100 |
| 40 to 49 | -1.8 | 48.0 | -.8 | 22.0 | -.6 | 14.7 | -.1 | 1.8 | -.9 | 22.9 | 1.5 | -38.7 | -.8 | 22.0 | -.3 | 7.3 | -3.8 | 100 |
| 50 to 61 | -1.2 | 51.2 | -.6 | 23.9 | -.3 | 11.0 | .0 | 1.9 | -.8 | 32.1 | 1.3 | -53.4 | -.6 | 23.7 | -.2 | 9.6 | -2.4 | 100 |
| 62 or olderB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Unknown | -.8 | 25.3 | -.7 | 22.7 | -.8 | 26.1 | -.1 | 2.4 | -.2 | 8.1 | -.1 | 3.9 | -.3 | 9.5 | -.1 | 1.9 | -3.0 | 100 |
| Census tract characteristics | ||||||||||||||||||
| Income ratio | ||||||||||||||||||
| Low | -.9 | 29.6 | -.4 | 13.6 | -.7 | 23.2 | -.2 | 8.4 | -.2 | 7.6 | -.4 | 15.0 | -.1 | 2.1 | .0 | .5 | -2.9 | 100 |
| Moderate | -.5 | 26.2 | -.3 | 15.2 | -.4 | 20.1 | -.2 | 9.4 | -.2 | 9.2 | -.3 | 18.0 | .0 | .7 | .0 | 1.2 | -1.8 | 100 |
| MiddleB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| High | .4 | 16.1 | .4 | 18.6 | .4 | 15.6 | .2 | 7.0 | .1 | 2.8 | 1.0 | 43.3 | -.2 | -7.3 | .1 | 4.1 | 2.4 | 100 |
| Unknown | -2.0 | 47.5 | -1.1 | 26.1 | -.4 | 8.6 | -.8 | 18.8 | .2 | -3.7 | -.6 | 14.1 | .3 | -8.1 | .1 | -3.2 | -4.2 | 100 |
| Minority population (percent) | ||||||||||||||||||
| Less than 10B | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| 10-49 | -.4 | 33.6 | -.2 | 19.7 | -.2 | 20.1 | -.1 | 9.2 | -.2 | 16.8 | .1 | -5.4 | .0 | 2.0 | .0 | 3.9 | -1.1 | 100 |
| 50-79 | -.8 | 31.8 | -.4 | 15.8 | -.5 | 20.3 | -.2 | 9.3 | -.3 | 11.3 | -.2 | 6.8 | .0 | 1.7 | -.1 | 3.0 | -2.5 | 100 |
| 80 or more | -1.0 | 31.8 | -.5 | 14.0 | -.6 | 17.7 | -.4 | 10.9 | -.3 | 10.1 | -.4 | 11.4 | .0 | 1.2 | -.1 | 2.9 | -3.3 | 100 |
| UrbanB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Rural | -23.1 | 5,765.7 | -.4 | 90.4 | -19.7 | 4,935.0 | -.2 | 49.1 | -54.3 | 13,571.9 | 142.4 | -35,606.3 | -60.7 | 15,169.5 | 15.5 | -3,875.2 | -.4 | 100 |
1. For translation of codes for credit chracteristics, refer to next page. Return to table
(B) Base population group from which the deviations were calculated. Return to table
…Not applicable Return to table
| Code | Credit Characteristic |
|---|---|
| AT28 | Total maximum credit issued on open accounts reported in the past 12 months |
| AT36 | Total number of months since the most recent account delinquency |
| G089 | Greatest amount of time a payment was late ever on an account |
| G096 | Total number of inquiries for credit |
| RE34 | Percentage of total remaining balance to total maximum credit for all open revolving accounts reported in the past 12 months |
| S004 | Average age of accounts on credit report |
| S019 | Total number of open personal finance installment accounts reported in the past 12 months |
| S043 | Total number of open non-installment accounts with a remaining balance to maximum credit issued ratio greater than 50% reported in the past 12 months |
| Characteristic | G0511 | AT36 | S059 | S046 | S004 | BC34 | G095 | G061 | S054 | G088 | Total | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | |
| Race or ethnicity--SSA data | ||||||||||||||||||||||
| Non-Hispanic whiteB | .0 | … | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Black | -.6 | 12.1 | -1.0 | 20.4 | -1.4 | 28.6 | -.4 | 7.8 | -.3 | 5.5 | -.4 | 9.0 | -.1 | 3.0 | -.3 | 6.0 | -.3 | 6.6 | -.1 | 1.2 | -4.8 | 100 |
| Hispanic | -.1 | 9.3 | -.4 | 24.4 | -.2 | 13.9 | .0 | 2.2 | -.3 | 15.8 | -.1 | 6.5 | -.2 | 13.0 | -.1 | 6.7 | -.1 | 7.3 | .0 | .9 | -1.6 | 100 |
| Asian | .1 | 13.3 | .1 | 14.5 | .1 | 28.8 | .1 | 13.0 | .0 | -5.3 | .1 | 25.8 | .0 | -9.7 | .0 | 4.9 | .0 | 8.8 | .0 | 5.8 | .5 | 100 |
| American Indian | .0 | 6.2 | .1 | 18.4 | .2 | 21.6 | .0 | 5.9 | .1 | 18.9 | .1 | 11.1 | .0 | 6.8 | .1 | 7.2 | .0 | 2.4 | .0 | 1.4 | .7 | 100 |
| Unknown race | .0 | 12.1 | -.1 | 17.0 | .0 | 14.7 | -.1 | 17.1 | .0 | -4.3 | .0 | 5.4 | -.1 | 16.8 | .0 | 1.0 | -.1 | 20.5 | .0 | -.2 | -.3 | 100 |
| Race or ethnicity--location-based distribution | ||||||||||||||||||||||
| Non-Hispanic whiteB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Black | -.3 | 12.7 | -.4 | 18.1 | -.6 | 29.7 | -.2 | 9.9 | -.1 | 4.1 | -.2 | 8.9 | -.1 | 3.1 | -.1 | 4.9 | -.2 | 7.9 | .0 | .7 | -2.1 | 100 |
| Hispanic | -.1 | 10.9 | -.2 | 18.2 | -.2 | 23.6 | -.1 | 7.0 | -.1 | 10.3 | -.1 | 6.7 | -.1 | 10.0 | .0 | 4.6 | -.1 | 9.0 | .0 | -.3 | -.9 | 100 |
| Asian | .0 | -20.2 | .0 | 4.4 | .0 | 15.1 | .0 | 15.6 | .0 | 15.7 | .1 | 50.6 | .0 | 2.2 | .0 | 2.2 | .0 | -6.3 | .0 | 20.7 | .1 | 100 |
| American Indian | -.2 | 13.0 | -.3 | 21.1 | -.1 | 8.6 | -.1 | 12.3 | -.1 | 8.9 | -.1 | 10.9 | -.1 | 6.0 | -.1 | 5.5 | -.1 | 11.9 | .0 | 2.0 | -1.2 | 100 |
| National origin | ||||||||||||||||||||||
| Foreign-born | .1 | 16.0 | .1 | 12.7 | .2 | 32.1 | .1 | 18.3 | -.1 | -8.0 | .1 | 19.8 | -.1 | -8.1 | .0 | 6.3 | .1 | 8.0 | .0 | 2.9 | .7 | 100 |
| Recent immigrant | .6 | -299.6 | -.3 | 170.4 | 2.0 | -1012.9 | .8 | -396.4 | -2.3 | 1171.6 | .9 | -447.5 | -1.6 | 790.9 | .0 | -9.5 | -.3 | 151.9 | .0 | -18.9 | -.2 | 100 |
| Sex | ||||||||||||||||||||||
| MaleB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Female | .0 | 12.7 | -.1 | 39.5 | .0 | 13.7 | .1 | -18.1 | .0 | 7.4 | .0 | 14.0 | -.1 | 20.0 | -.1 | 25.6 | .1 | -22.0 | .0 | 7.2 | -.3 | 100 |
| Unknown | .0 | 29.6 | .0 | -160.7 | .0 | -236.3 | .0 | 245.2 | .0 | -232.4 | .0 | 12.5 | .0 | 302.3 | .0 | -83.7 | .0 | 237.7 | .0 | -14.2 | .0 | 100 |
| Marital status | ||||||||||||||||||||||
| Married maleB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Single male | -.2 | 12.0 | -.1 | 6.0 | -.5 | 27.7 | -.3 | 17.3 | -.2 | 11.1 | -.1 | 7.8 | -.1 | 5.8 | .0 | .6 | -.2 | 13.1 | .0 | -1.4 | -1.7 | 100 |
| Married female | .0 | 16.4 | -.1 | 45.6 | .0 | 5.0 | .0 | -14.6 | .0 | 4.7 | .0 | 13.2 | .0 | 17.7 | -.1 | 27.3 | .0 | -22.7 | .0 | 7.4 | -.2 | 100 |
| Single female | -.2 | 11.8 | -.3 | 12.6 | -.5 | 24.7 | -.2 | 10.1 | -.2 | 10.5 | -.2 | 9.4 | -.2 | 8.2 | -.1 | 5.0 | -.2 | 7.5 | .0 | .2 | -2.0 | 100 |
| Unknown | -.2 | 11.8 | -.2 | 8.1 | -.4 | 22.4 | -.3 | 15.5 | -.2 | 10.7 | -.2 | 9.4 | -.1 | 7.4 | .0 | 1.4 | -.3 | 14.2 | .0 | -.9 | -1.9 | 100 |
| Age--SSA data (years) | ||||||||||||||||||||||
| Younger than 30 | -.6 | 11.7 | -.8 | 16.4 | -.6 | 11.9 | -.4 | 7.1 | -1.0 | 20.5 | -.5 | 9.1 | -.4 | 7.7 | -.3 | 6.4 | -.4 | 8.2 | -.1 | 1.0 | -5.1 | 100 |
| 30 to 39 | -.6 | 12.1 | -.9 | 19.0 | -1.0 | 21.0 | -.3 | 7.0 | -.8 | 17.9 | -.5 | 10.2 | -.1 | 1.8 | -.4 | 7.6 | -.1 | 1.8 | -.1 | 1.6 | -4.7 | 100 |
| 40 to 49 | -.3 | 11.9 | -.7 | 23.6 | -.6 | 22.3 | -.2 | 5.3 | -.5 | 17.6 | -.3 | 9.5 | .0 | -1.2 | -.3 | 9.5 | .0 | -1.0 | -.1 | 2.5 | -2.9 | 100 |
| 50 to 61 | -.2 | 12.6 | -.3 | 26.4 | -.4 | 27.3 | .0 | 2.5 | -.2 | 18.9 | -.1 | 8.5 | .1 | -5.0 | -.1 | 11.3 | .1 | -5.5 | .0 | 3.0 | -1.3 | 100 |
| 62 or olderB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Unknown | -.2 | 12.2 | -.2 | 16.2 | -.2 | 15.5 | -.1 | 11.0 | -.2 | 15.6 | -.1 | 9.4 | -.1 | 5.9 | -.1 | 5.7 | -.1 | 7.3 | .0 | 1.2 | -1.3 | 100 |
| Census tract characteristics | ||||||||||||||||||||||
| Income ratio | ||||||||||||||||||||||
| Low | -.3 | 12.4 | -.3 | 11.7 | -.7 | 28.4 | -.3 | 14.4 | -.2 | 6.3 | -.2 | 7.9 | -.1 | 4.4 | -.1 | 2.1 | -.3 | 13.0 | .0 | -.6 | -2.4 | 100 |
| Moderate | -.1 | 11.6 | -.1 | 11.6 | -.4 | 30.6 | -.1 | 12.4 | -.1 | 6.6 | -.1 | 9.4 | -.1 | 4.5 | .0 | 2.5 | -.1 | 11.1 | .0 | -.4 | -1.2 | 100 |
| MiddleB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| High | .1 | 11.8 | .1 | 13.8 | .2 | 25.2 | .1 | 11.4 | .1 | 10.0 | .1 | 12.5 | .0 | 1.1 | .0 | 3.4 | .1 | 9.8 | .0 | .9 | .9 | 100 |
| Unknown | -.2 | 107.4 | -.4 | 224.3 | 1.0 | -522.4 | .2 | -77.9 | -.1 | 42.1 | .1 | -72.5 | -.4 | 201.0 | -.2 | 100.7 | -.2 | 91.1 | .0 | 6.2 | -.2 | 100 |
| Minority population (percent) | ||||||||||||||||||||||
| Less than 10B | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | |
| 10-49 | -.1 | 11.7 | -.1 | 17.6 | -.2 | 35.1 | .0 | 7.1 | .0 | 5.6 | .0 | 8.0 | .0 | 4.4 | .0 | 5.7 | .0 | 4.8 | .0 | -.1 | -.6 | 100 |
| 50-79 | -.2 | 11.8 | -.4 | 19.2 | -.6 | 29.7 | -.2 | 7.6 | -.1 | 6.6 | -.1 | 7.4 | -.1 | 4.7 | -.1 | 5.6 | -.1 | 7.1 | .0 | .4 | -2.0 | 100 |
| 80 or more | -.4 | 12.8 | -.5 | 18.8 | -.7 | 26.6 | -.2 | 8.6 | -.2 | 5.4 | -.2 | 8.2 | -.2 | 5.8 | -.1 | 5.0 | -.2 | 8.5 | .0 | .4 | -2.8 | 100 |
| Urban2 | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Rural | .0 | -.8 | .0 | -14.5 | .0 | 8.1 | -.1 | 34.8 | -.1 | 22.2 | -.1 | 22.0 | .0 | 7.4 | .0 | -11.1 | -.1 | 32.6 | .0 | -.7 | -.3 | 100 |
1. For translation of codes for credit chracteristics, refer to next page. Return to table
B. Base population group from which the deviations were calculated. Return to table
…Not applicable. Return to table
| Code | Translation |
|---|---|
| AT36 | Total number of months since the most recent account delinquency |
| BC34 | Percentage of total remaining balance to total maximum credit for all open bankcard accounts reported in the past 12 months |
| G051 | Percentage of accounts with no late payments reported |
| G061 | Number of accounts that have payments that are presently or previously 30 or more days past due within the past 24 months |
| G088 | Total number of accounts presently less than 120 days past due in the past 2 months |
| G095 | Total number of months since the most recent occurrence of a derogatory public record |
| S004 | Average age of accounts on credit report |
| S046 | Percentage of accounts that are open and active with a remaining balance greater than $0 reported in the past 12 months |
| S054 | Total number of different credit issuers |
| S059 | Total number of unique account numbers |
| Characterisitc | Variable group | Total | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Types of credit in use | New credit | Length of credit history | Amounts owed | Payment history | ||||||||
| Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | Score | Percent | |
| Race or ethnicity--SSA data | ||||||||||||
| Non-Hispanic whiteB | .0 | … | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Black | -.5 | 4.3 | -.2 | 1.9 | -.6 | 5.6 | -2.0 | 18.0 | -7.7 | 70.2 | -11.0 | 100 |
| Hispanic | -.3 | 4.5 | -.2 | 3.0 | -1.1 | 16.4 | -1.2 | 17.9 | -4.0 | 58.2 | -6.8 | 100 |
| Asian | -.1 | 10.5 | .1 | -10.5 | .3 | -42.1 | -.3 | 36.8 | -.7 | 100.0 | -.7 | 100 |
| American Indian | .0 | .0 | .2 | 10.5 | .8 | 36.8 | .3 | 15.8 | .7 | 31.6 | 2.2 | 100 |
| Unknown race | -.1 | -1.7 | .4 | 11.7 | .0 | .0 | .3 | 8.3 | 2.8 | 80.0 | 3.5 | 100 |
| Race or ethnicity-- location-based distribution | ||||||||||||
| Non-Hispanic whiteB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Black | -.2 | 3.6 | -.1 | 1.2 | -.3 | 4.8 | -1.4 | 21.4 | -4.3 | 67.9 | -6.3 | 100 |
| Hispanic | -.2 | 4.7 | -.1 | 2.3 | -.6 | 14.0 | -.9 | 20.9 | -2.5 | 60.5 | -4.2 | 100 |
| Asian | .0 | .0 | .0 | .0 | .0 | -66.7 | .0 | 66.7 | .0 | 100.0 | .0 | 100 |
| American Indian | -.3 | 8.7 | .0 | .0 | -.3 | 8.7 | -.9 | 23.9 | -2.2 | 58.7 | -3.8 | 100 |
| National origin | ||||||||||||
| Foreign-born | -.3 | 14.3 | .8 | -42.9 | 1.9 | -100.0 | -1.6 | 85.7 | -2.7 | 142.9 | -1.9 | 100 |
| Recent immigrant | -.4 | 5.3 | -3.1 | 36.8 | -12.4 | 147.4 | .0 | .0 | 6.2 | -73.7 | -8.4 | 100 |
| Sex | ||||||||||||
| MaleB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Female | -.1 | -66.7 | .0 | -33.3 | .0 | .0 | .0 | 33.3 | .2 | 166.7 | .1 | 100 |
| Unknown | .0 | .0 | .9 | 9.6 | .3 | 3.0 | .9 | 10.4 | 7.0 | 77.0 | 9.1 | 100 |
| Marital status | ||||||||||||
| Married male1 | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Single male | -.4 | 6.5 | -.2 | 3.2 | -.9 | 14.5 | -1.5 | 25.8 | -3.0 | 51.6 | -5.9 | 100 |
| Married female | -.2 | -100.0 | -.1 | -50.0 | .0 | .0 | .1 | 50.0 | .4 | 200.0 | .2 | 100 |
| Single female | -.2 | 3.1 | .1 | -1.5 | -.7 | 12.3 | -1.5 | 26.2 | -3.4 | 58.5 | -5.8 | 100 |
| Unknown | -.5 | 12.2 | .3 | -7.3 | -1.0 | 24.4 | -1.4 | 34.1 | -1.5 | 36.6 | -4.1 | 100 |
| Age--SSA data (years) | ||||||||||||
| Younger than 30 | -.9 | 4.2 | -1.1 | 5.2 | -4.5 | 20.3 | -4.8 | 21.7 | -10.9 | 49.5 | -22.1 | 100 |
| 30 to 39 | -.4 | 2.7 | -.7 | 5.4 | -2.1 | 16.1 | -2.1 | 16.1 | -7.9 | 60.4 | -13.1 | 100 |
| 40 to 49 | -.1 | 1.0 | -.5 | 6.1 | -1.2 | 14.1 | -1.1 | 13.1 | -5.6 | 65.7 | -8.6 | 100 |
| 50 to 61 | -.1 | 1.9 | -.5 | 9.4 | -.7 | 15.1 | -.5 | 9.4 | -3.3 | 67.9 | -4.8 | 100 |
| 62 or olderB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Unknown | -.3 | 3.9 | .0 | .0 | -1.9 | 21.6 | -3.8 | 43.1 | -2.9 | 33.3 | -8.8 | 100 |
| Census tract characteristics | ||||||||||||
| Income ratio | ||||||||||||
| Low | -.5 | 6.1 | -.2 | 1.7 | -.7 | 7.8 | -1.9 | 21.7 | -5.6 | 62.6 | -8.9 | 100 |
| Moderate | -.3 | 5.9 | -.1 | 2.0 | -.4 | 9.8 | -1.0 | 23.5 | -2.5 | 58.8 | -4.3 | 100 |
| MiddleB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| High | .2 | 5.4 | -.1 | -2.7 | .6 | 13.5 | 1.4 | 35.1 | 2.1 | 51.4 | 4.1 | 100 |
| Unknown | -1.0 | 25.0 | 4.0 | -100.0 | -1.0 | 25.0 | -5.0 | 125.0 | -1.0 | 25.0 | -4.0 | 100 |
| Minority population (percent) | ||||||||||||
| Less than 10B | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| 10-49 | -.1 | 3.8 | .0 | .0 | -.3 | 11.5 | -.4 | 19.2 | -1.4 | 65.4 | -2.2 | 100 |
| 50-79 | -.2 | 3.9 | -.1 | 1.3 | -.6 | 9.2 | -1.2 | 19.7 | -4.2 | 67.1 | -6.2 | 100 |
| 80 or more | -.5 | 5.2 | -.1 | .9 | -.6 | 6.9 | -1.9 | 20.7 | -6.2 | 66.4 | -9.3 | 100 |
| UrbanB | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . | .0 | . . . |
| Rural | -.2 | 40.0 | .1 | -20.0 | -.1 | 20.0 | -.6 | 100.0 | .1 | -20.0 | -.6 | 100 |
(B) Base population group from which the deviations were calculated. Return to table
…Not applicable Return to table
| Characteristic | Base score | G096 | RE34 | AT28 | S059 | AT36 | G103 | IN34 | AT26 |
|---|---|---|---|---|---|---|---|---|---|
| Race or ethnicity--SSA data | |||||||||
| Non-Hispanic white | 40.7 | .34 | -1.55 | -.76 | .48 | -.50 | .24 | -.05 | -.05 |
| Black | 18.6 | .16 | .14 | .17 | 1.36 | .49 | .04 | -.01 | .02 |
| Hispanic | 30.4 | .55 | -.04 | -.09 | .09 | -.34 | .13 | -.13 | .18 |
| Asian | 49.7 | .89 | -2.30 | -1.38 | -1.11 | -.75 | -.20 | -.28 | .83 |
| American Indian | 51.5 | .30 | -3.74 | -2.74 | 2.76 | -.01 | .90 | -.69 | -.82 |
| Unknown race | 53.6 | -.66 | -2.02 | .86 | -.67 | -.26 | 1.71 | -.16 | -.84 |
| Race or ethnicity--location-based distribution | |||||||||
| Non-Hispanic white | 46.7 | -.10 | -1.84 | .01 | -.07 | -.40 | .98 | -.12 | -.41 |
| Black | 33.7 | -.13 | -.55 | .50 | .37 | .13 | .56 | -.06 | -.37 |
| Hispanic | 39.3 | -.09 | -.72 | .28 | -.11 | -.12 | .68 | -.10 | -.17 |
| Asian | 48.2 | -.09 | -1.99 | -.29 | -.22 | -.58 | .81 | -.14 | -.19 |
| American Indian | 40.0 | .01 | -1.09 | -.01 | .12 | -.15 | .74 | -.09 | -.36 |
| National origin | |||||||||
| Foreign-born | 42.7 | 1.01 | -1.25 | -.90 | -.76 | -.76 | -.13 | -.32 | .49 |
| Recent immigrant | 45.9 | 1.44 | -1.80 | -.67 | -1.75 | -1.07 | -.44 | -.40 | 1.30 |
| Sex | |||||||||
| Male | 35.5 | .50 | -1.04 | -.69 | .31 | -.27 | .16 | -.10 | .08 |
| Female | 36.8 | .26 | -1.21 | -.39 | .62 | -.36 | .16 | -.05 | .03 |
| Unknown | 54.6 | -.77 | -2.05 | .97 | -.68 | -.25 | 1.84 | -.15 | -.93 |
| Marital status | |||||||||
| Married male | 44.1 | .75 | -1.77 | -1.20 | -.26 | -.52 | .16 | -.03 | .06 |
| Single male | 34.1 | .48 | -.98 | -.65 | .50 | -.23 | .10 | -.22 | -.07 |
| Married female | 46.3 | .19 | -1.85 | -.88 | .12 | -.56 | .31 | -.03 | .06 |
| Single female | 35.0 | .30 | -1.15 | -.23 | .74 | -.24 | .10 | -.13 | -.29 |
| Unknown | 46.6 | -.43 | -1.57 | .61 | -.21 | -.23 | 1.30 | -.11 | -.54 |
| Age--SSA data (years) | |||||||||
| Younger than 30 | 31.3 | .67 | -.41 | .32 | -.66 | -.32 | -.13 | .42 | .75 |
| 30 to 39 | 24.9 | .49 | -.24 | -.32 | 1.22 | -.27 | .11 | -.17 | .07 |
| 40 to 49 | 26.9 | .20 | -.24 | -.49 | 1.70 | -.25 | .27 | -.26 | -.08 |
| 50 to 61 | 36.5 | .39 | -.64 | -1.36 | 1.02 | -.06 | .37 | -.47 | -.58 |
| 62 or older | 63.6 | -.17 | -4.39 | -2.27 | .97 | -.53 | .64 | -.73 | -1.03 |
| Unknown | 54.6 | -.77 | -2.06 | .97 | -.68 | -.25 | 1.84 | -.15 | -.93 |
| Census tract characteristics | |||||||||
| Income ratio | |||||||||
| Low | 30.0 | -.04 | -.26 | .70 | .28 | .03 | .57 | -.07 | -.21 |
| Moderate | 37.1 | -.08 | -.85 | .33 | .24 | -.15 | .60 | -.10 | -.24 |
| Middle | 45.0 | -.09 | -1.62 | -.01 | -.10 | -.32 | 1.01 | -.11 | -.38 |
| High | 53.5 | -.17 | -2.44 | -.09 | -.24 | -.50 | .98 | -.12 | -.51 |
| Unknown | 46.6 | -.94 | .05 | 1.23 | -1.89 | 3.14 | 1.15 | .07 | .04 |
| Minority population (percent) | |||||||||
| Less than 10 | 48.9 | -.10 | -2.13 | -.04 | -.15 | -.59 | 1.15 | -.14 | -.50 |
| 10-49 | 45.0 | -.11 | -1.62 | .06 | .00 | -.27 | .85 | -.10 | -.35 |
| 50-79 | 38.0 | -.08 | -.75 | .17 | .07 | .05 | .58 | -.09 | -.23 |
| 80 or more | 33.1 | -.12 | -.29 | .55 | .15 | .06 | .49 | -.07 | -.18 |
| Urban | 43.9 | -.09 | -1.48 | .16 | -.04 | -.31 | .85 | -.11 | -.37 |
| Rural | 44.6 | -.19 | -1.75 | -.22 | .09 | -.25 | 1.00 | -.10 | -.32 |
| All | 44.0 | -.10 | -1.52 | .10 | -.03 | -.29 | .88 | -.11 | -.36 |
1. For translation of codes for credit characteristics, refer to next page.
| Code | Credit Characteristic |
|---|---|
| AT26 | Total number of accounts in good standing, opened 18 or more months ago |
| AT28 | Total maximum credit issued on open accounts reported in the past 12 months |
| AT36 | Total number of months since the most recent account delinquency |
| G096 | Total number of inquiries for credit |
| G103 | Total number of months since the most recent update on an account |
| IN34 | Percentage of total remaining balance to total maximum credit for all open installment accounts reported in the past 12 months |
| RE34 | Percentage of total remaining balance to total maximum credit for all open revolving accounts reported in the past 12 months |
| S059 | Total number of public records and derogatory accounts with an amount owed greater than $100 |
| Characteristic | Base score | S019 | G096 | S004 | RE34 | AT28 | G089 | S043 | AT36 |
|---|---|---|---|---|---|---|---|---|---|
| Race or ethnicity--SSA data | |||||||||
| Non-Hispanic white | 69.0 | -.16 | .04 | -.25 | -.05 | -1.37 | -.15 | -.14 | -.09 |
| Black | 55.8 | .04 | .01 | -.02 | .32 | -.19 | .22 | .04 | -.26 |
| Hispanic | 59.8 | -.05 | -.07 | 1.25 | -.23 | -.92 | -.01 | -.01 | -.25 |
| Asian | 66.1 | -.53 | .14 | 2.22 | -.35 | -2.01 | .08 | -.01 | -.26 |
| American Indian | 70.3 | .15 | -.06 | -1.21 | -.03 | -.58 | .12 | -.06 | .21 |
| Unknown race | 66.7 | -.16 | .07 | -.44 | -.07 | .10 | -.20 | .04 | -.06 |
| Race or ethnicity--location-based distribution | |||||||||
| Non-Hispanic white | 68.4 | -.17 | .08 | -.17 | -.06 | -1.21 | -.15 | -.11 | -.09 |
| Black | 62.8 | -.01 | -.10 | .02 | -.01 | -.40 | .02 | .02 | -.11 |
| Hispanic | 63.8 | -.09 | -.08 | .55 | -.12 | -.87 | -.03 | -.01 | -.23 |
| Asian | 68.0 | -.29 | -.05 | .61 | -.15 | -2.13 | -.03 | -.09 | -.24 |
| American Indian | 64.9 | .08 | -.19 | .14 | .07 | -.70 | .00 | -.12 | .04 |
| National origin | |||||||||
| Foreign-born | 63.8 | -.35 | .06 | 1.96 | -.40 | -1.57 | .05 | .03 | -.26 |
| Recent immigrant | 53.5 | -.39 | -.18 | 6.71 | -.87 | -1.02 | .16 | .18 | .10 |
| Sex | |||||||||
| Male | 67.4 | .00 | .25 | -.09 | .05 | -1.56 | -.13 | -.27 | -.19 |
| Female | 68.0 | -.31 | -.16 | .07 | -.18 | -1.11 | -.11 | .03 | -.07 |
| Unknown | 65.8 | -.13 | .09 | -.87 | .03 | 1.37 | -.22 | .14 | .14 |
| Marital status | |||||||||
| Married male | 70.3 | .08 | .26 | -.56 | .00 | -2.15 | -.18 | -.28 | -.23 |
| Single male | 63.9 | -.17 | .23 | .43 | .07 | -.67 | -.03 | -.21 | -.09 |
| Married female | 70.8 | -.32 | -.25 | -.22 | -.18 | -1.91 | -.16 | -.02 | -.13 |
| Single female | 64.6 | -.33 | .02 | .16 | -.22 | .22 | -.02 | .16 | -.04 |
| Unknown | 62.4 | -.15 | .08 | .51 | .07 | .36 | -.11 | -.05 | .04 |
| Age--SSA data (years) | |||||||||
| Younger than 30 | 50.0 | -.19 | -.32 | 5.44 | -.14 | -.26 | .01 | -.23 | .28 |
| 30 to 39 | 63.1 | -.29 | .17 | .87 | .30 | -2.38 | -.12 | -.68 | -.06 |
| 40 to 49 | 68.0 | -.16 | .18 | -.34 | .11 | -3.06 | -.29 | -.39 | -.15 |
| 50 to 61 | 71.0 | -.07 | .07 | -.79 | -.14 | -2.40 | -.17 | .00 | -.46 |
| 62 or older | 74.7 | -.15 | -.03 | -1.86 | -.34 | 1.13 | .01 | .39 | -.03 |
| Unknown | 65.8 | -.12 | .09 | -.87 | .04 | 1.39 | -.22 | .14 | .14 |
| Census tract characteristics | |||||||||
| Income ratio | |||||||||
| Low | 57.3 | -.11 | -.05 | 1.07 | -.18 | .81 | .16 | .21 | .12 |
| Moderate | 63.0 | -.10 | -.10 | .26 | -.09 | .24 | -.05 | .07 | -.16 |
| Middle | 67.2 | -.14 | -.01 | -.06 | -.02 | -.68 | -.13 | -.08 | -.06 |
| High | 70.8 | -.21 | .20 | -.27 | -.12 | -2.62 | -.17 | -.21 | -.19 |
| Unknown | 58.8 | -.32 | -.67 | .33 | 1.32 | -.13 | .74 | -.71 | .30 |
| Minority population (percent) | |||||||||
| Less than 10 | 69.3 | -.20 | .17 | -.37 | -.07 | -1.02 | -.18 | -.13 | -.01 |
| 10-49 | 67.3 | -.14 | -.05 | .09 | -.05 | -1.51 | -.12 | -.10 | -.19 |
| 50-79 | 63.3 | -.09 | -.14 | .59 | -.09 | -.80 | -.01 | .01 | -.22 |
| 80 or more | 59.2 | -.02 | -.15 | .65 | -.14 | .01 | .21 | .12 | -.19 |
| Urban | 67.7 | -.18 | .10 | -.07 | -.09 | -1.40 | -.12 | -.11 | -.15 |
| Rural | 66.9 | -.06 | -.23 | -.07 | .05 | .13 | -.13 | -.02 | .07 |
| All | 67.6 | -.16 | .04 | -.07 | -.06 | -1.16 | -.12 | -.10 | -.11 |
1. For translation of codes for credit characteristics, refer to next page.
| Code | Credit Characteristic |
|---|---|
| AT28 | Total maximum credit issued on open accounts reported in the past 12 months |
| AT36 | Total number of months since the most recent account delinquency |
| G089 | Greatest amount of time a payment was late ever on an account |
| G096 | Total number of inquiries for credit |
| RE34 | Percentage of total remaining balance to total maximum credit for all open revolving accounts reported in the past 12 months |
| S004 | Average age of accounts on credit report |
| S019 | Total number of open personal finance installment accounts reported in the past 12 months |
| S043 | Total number of open non-installment accounts with a remaining balance to maximum credit issued ratio greater than 50% reported in the past 12 months |
| Characteristic | Base score | S046 | S054 | S059 | G095 | G061 | G088 | G051 | AT36 | S004 | BC34 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Race or ethnicity--SSA data | |||||||||||
| Non-Hispanic white | 23.5 | .09 | -.11 | -.48 | -.21 | .06 | -.01 | .06 | -.06 | -.12 | -.20 |
| Black | 15.9 | -.07 | .03 | .21 | .05 | -.02 | -.03 | .05 | -.03 | .02 | -.04 |
| Hispanic | 19.9 | -.03 | -.10 | -.11 | .15 | -.02 | -.04 | .04 | .00 | .32 | -.09 |
| Asian | 25.4 | .08 | -.19 | -.49 | -.15 | .02 | -.10 | .12 | .10 | .29 | -.33 |
| American Indian | 26.0 | .07 | .01 | -.37 | -.34 | .11 | -.01 | .07 | -.14 | -.65 | -.30 |
| Unknown race | 22.0 | .11 | .05 | -.26 | .01 | .06 | -.03 | .03 | .07 | -.29 | -.12 |
| Race or ethnicity--location-based distribution | |||||||||||
| Non-Hispanic white | 22.6 | .06 | -.09 | -.40 | -.15 | .04 | -.02 | .05 | -.04 | -.08 | -.18 |
| Black | 18.1 | .01 | .02 | .04 | .03 | .01 | -.03 | .05 | -.01 | -.06 | -.08 |
| Hispanic | 20.2 | .02 | -.06 | -.05 | .05 | .01 | -.04 | .06 | .00 | .07 | -.11 |
| Asian | 22.9 | .06 | -.10 | -.39 | -.23 | .05 | -.06 | .12 | .01 | -.11 | -.22 |
| American Indian | 19.7 | .10 | .03 | -.45 | -.08 | .06 | -.03 | .04 | -.03 | .06 | -.13 |
| National origin | |||||||||||
| Foreign-born | 23.5 | .01 | -.14 | -.24 | -.01 | -.01 | -.07 | .05 | .10 | .29 | -.25 |
| Recent immigrant | 20.7 | .04 | -.17 | -.33 | .37 | -.10 | -.06 | .01 | .22 | 1.25 | -.24 |
| Sex | |||||||||||
| Male | 22.0 | .09 | -.05 | -.31 | -.18 | .03 | -.03 | .04 | .00 | -.10 | -.26 |
| Female | 21.2 | -.01 | -.11 | -.27 | -.05 | .04 | -.02 | .08 | -.07 | .03 | -.06 |
| Unknown | 21.8 | .18 | .09 | -.29 | .12 | .03 | -.03 | .04 | .09 | -.42 | -.09 |
| Marital status | |||||||||||
| Married male | 24.9 | .04 | -.20 | -.55 | -.26 | .07 | -.01 | .05 | -.02 | -.34 | -.37 |
| Single male | 20.7 | .14 | .03 | -.12 | -.14 | .02 | -.03 | .01 | .00 | .01 | -.21 |
| Married female | 24.1 | -.05 | -.20 | -.61 | -.18 | .10 | -.01 | .11 | -.08 | -.18 | -.13 |
| Single female | 19.9 | -.01 | -.08 | -.09 | .03 | .03 | -.02 | .07 | -.06 | .10 | .00 |
| Unknown | 19.0 | .10 | .08 | -.10 | .03 | -.02 | -.04 | .04 | .00 | .10 | -.08 |
| Age--SSA data (years) | |||||||||||
| Younger than 30 | 16.0 | -.04 | -.03 | -.56 | .29 | -.07 | -.03 | .17 | -.21 | .86 | -.04 |
| 30 to 39 | 19.1 | .04 | -.11 | -.27 | -.07 | -.02 | -.02 | .08 | -.08 | .46 | -.03 |
| 40 to 49 | 22.0 | .06 | -.09 | -.31 | -.25 | .04 | -.03 | .05 | .01 | .02 | -.19 |
| 50 to 61 | 25.3 | .05 | -.14 | -.13 | -.34 | .06 | -.02 | .05 | .04 | -.60 | -.32 |
| 62 or older | 29.5 | .09 | .04 | -.14 | -.13 | .28 | .00 | -.16 | .11 | -1.79 | -.32 |
| Unknown | 21.8 | .18 | .09 | -.30 | .12 | .03 | -.03 | .04 | .09 | -.42 | -.09 |
| Census tract characteristics | |||||||||||
| Income ratio | |||||||||||
| Low | 16.7 | .07 | .16 | .18 | .09 | .00 | -.04 | .08 | .04 | .07 | -.06 |
| Moderate | 19.0 | .03 | .02 | -.02 | .00 | .00 | -.02 | .03 | -.05 | .03 | -.05 |
| Middle | 21.8 | .05 | -.07 | -.34 | -.12 | .05 | -.01 | .05 | -.04 | -.02 | -.15 |
| High | 25.6 | .06 | -.23 | -.60 | -.20 | .05 | -.05 | .12 | .00 | -.30 | -.33 |
| Unknown | 21.1 | -.20 | .04 | -1.79 | .22 | .03 | .01 | .19 | -.16 | -.39 | -.49 |
| Minority population (percent) | |||||||||||
| Less than 10 | 23.7 | .07 | -.08 | -.58 | -.19 | .06 | .01 | .04 | -.04 | -.09 | -.20 |
| 10-49 | 21.9 | .06 | -.11 | -.26 | -.13 | .03 | -.04 | .06 | -.04 | -.08 | -.17 |
| 50-79 | 19.0 | .02 | .00 | .08 | .01 | .04 | -.02 | .05 | .02 | .07 | -.11 |
| 80 or more | 17.8 | -.03 | .04 | .02 | .13 | -.01 | -.05 | .08 | .01 | -.04 | -.05 |
| Urban | 21.8 | .04 | -.10 | -.30 | -.12 | .03 | -.03 | .09 | -.02 | -.07 | -.16 |
| Rural | 20.9 | .11 | .09 | -.21 | -.01 | .07 | .01 | -.08 | -.06 | .01 | -.14 |
| All | 21.6 | .05 | -.07 | -.29 | -.10 | .03 | -.02 | .06 | -.03 | -.06 | -.16 |
1. For translation of codes for credit characteristics, refer to next page.
| Code | Credit Characteristic |
|---|---|
| AT36 | Total number of months since the most recent account delinquency |
| BC34 | Percentage of total remaining balance to total maximum credit for all open bankcard accounts reported in the past 12 months |
| G051 | Percentage of accounts with no late payments reported |
| G061 | Number of accounts that have payments that are presently or previously 30 or more days past due within the past 24 months |
| G088 | Total number of accounts presently less than 120 days past due in the past 2 months |
| G095 | Total number of months since the most recent occurrence of a derogatory public record |
| S004 | Average age of accounts on credit report |
| S046 | Percentage of accounts that are open and active with a remaining balance greater than $0 reported in the past 12 months |
| S054 | Total number of different credit issuers |
| S059 | Total number of unique account numbers |
| Characteristic | Base score | Variable group | |||
|---|---|---|---|---|---|
| New credit | Length of credit history |
Amounts owed |
Payment history |
||
| Race or ethnicity--SSA data | |||||
| Non-Hispanic white | 40.7 | .34 | .24 | -3.05 | -.17 |
| Black | 18.6 | .16 | .04 | .11 | 4.00 |
| Hispanic | 30.4 | .55 | .13 | -.71 | .00 |
| Asian | 49.7 | .89 | -.20 | -4.80 | -1.96 |
| American Indian | 51.5 | .30 | .90 | -8.10 | 1.93 |
| Unknown race | 53.6 | -.66 | 1.71 | -3.84 | -3.36 |
| Race or ethnicity--location-based distribution | |||||
| Non-Hispanic white | 46.7 | -.10 | .98 | -3.54 | -1.69 |
| Black | 33.7 | -.13 | .56 | -1.20 | .57 |
| Hispanic | 39.3 | -.09 | .68 | -1.75 | -.76 |
| Asian | 48.2 | -.09 | .81 | -3.96 | -1.85 |
| American Indian | 40.0 | .01 | .74 | -2.37 | -.76 |
| National origin | |||||
| Foreign-born | 42.7 | 1.01 | -.13 | -3.06 | -2.00 |
| Recent immigrant | 45.9 | 1.44 | -.44 | -3.52 | -2.98 |
| Sex | |||||
| Male | 35.5 | .50 | .16 | -2.23 | .46 |
| Female | 36.8 | .26 | .16 | -2.40 | .39 |
| Unknown | 54.6 | -.77 | 1.84 | -3.91 | -3.53 |
| Marital status | |||||
| Married male | 44.1 | .75 | .16 | -3.60 | -1.13 |
| Single male | 34.1 | .48 | .10 | -2.21 | .69 |
| Married female | 46.3 | .19 | .31 | -3.72 | -.99 |
| Single female | 35.0 | .30 | .10 | -2.30 | .58 |
| Unknown | 46.6 | -.43 | 1.30 | -3.03 | -1.91 |
| Age--SSA data (years) | |||||
| Younger than 30 | 31.3 | .67 | -.13 | .07 | -.15 |
| 30 to 39 | 24.9 | .49 | .11 | -.89 | 2.22 |
| 40 to 49 | 26.9 | .20 | .27 | -1.34 | 2.44 |
| 50 to 61 | 36.5 | .39 | .37 | -3.03 | .76 |
| 62 or older | 63.6 | -.17 | .64 | -9.19 | -1.63 |
| Unknown | 54.6 | -.77 | 1.84 | -3.91 | -3.53 |
| Census tract characteristics | |||||
| Income ratio | |||||
| Low | 30.0 | -.04 | .57 | -.43 | .79 |
| Moderate | 37.1 | -.08 | .60 | -1.71 | -.16 |
| Middle | 45.0 | -.09 | 1.01 | -3.21 | -1.51 |
| High | 53.5 | -.17 | .98 | -4.75 | -2.55 |
| Unknown | 46.6 | -.94 | 1.15 | -.38 | .78 |
| Minority population (percent) | |||||
| Less than 10 | 48.9 | -.10 | 1.15 | -3.98 | -2.31 |
| 10-49 | 45.0 | -.11 | .85 | -3.21 | -1.23 |
| 50-79 | 38.0 | -.08 | .58 | -1.79 | -.19 |
| 80 or more | 33.1 | -.12 | .49 | -.83 | .39 |
| Urban | 43.9 | -.09 | .85 | -2.93 | -1.31 |
| Rural | 44.6 | -.19 | 1.00 | -3.38 | -1.08 |
| All | 44.0 | -.10 | .88 | -2.99 | -1.26 |
Note: Refer to notes to table 9.
| Characteristic | Base score |
Variable group | ||||
|---|---|---|---|---|---|---|
| Types of credit in use |
New credit | Length of credit history |
Amounts owed |
Payment history |
||
| Race or ethnicity--SSA data | ||||||
| Non-Hispanic white | 69.0 | -.16 | .04 | -.25 | -.78 | -.06 |
| Black | 55.8 | .04 | .01 | -.02 | 1.82 | 1.74 |
| Hispanic | 59.8 | -.05 | -.07 | 1.25 | -.82 | .80 |
| Asian | 66.1 | -.53 | .14 | 2.22 | -3.09 | -.21 |
| American Indian | 70.3 | .15 | -.06 | -1.21 | .86 | .84 |
| Unknown race | 66.7 | -.16 | .07 | -.44 | 1.25 | .21 |
| Race or ethnicity--location-based distribution | ||||||
| Non-Hispanic white | 68.4 | -.17 | .08 | -.17 | -.65 | -.04 |
| Black | 62.8 | -.01 | -.10 | .02 | .93 | .93 |
| Hispanic | 63.8 | -.09 | -.08 | .55 | -.22 | .45 |
| Asian | 68.0 | -.29 | -.05 | .61 | -1.85 | .25 |
| American Indian | 64.9 | .08 | -.19 | .14 | .19 | .29 |
| National origin | ||||||
| Foreign-born | 63.8 | -.35 | .06 | 1.96 | -2.40 | .19 |
| Recent immigrant | 53.5 | -.39 | -.18 | 6.71 | -3.23 | -.74 |
| Sex | ||||||
| Male | 67.4 | .00 | .25 | -.09 | -1.27 | -.02 |
| Female | 68.0 | -.31 | -.16 | .07 | -.37 | .17 |
| Unknown | 65.8 | -.13 | .09 | -.87 | 3.19 | .18 |
| Marital status | ||||||
| Married male | 70.3 | .08 | .26 | -.56 | -1.80 | -.13 |
| Single male | 63.9 | -.17 | .23 | .43 | -.31 | .18 |
| Married female | 70.8 | -.32 | -.25 | -.22 | -1.16 | .08 |
| Single female | 64.6 | -.33 | .02 | .16 | 1.13 | .38 |
| Unknown | 62.4 | -.15 | .08 | .51 | 1.07 | .16 |
| Age--SSA data (years) | ||||||
| Younger than 30 | 50.0 | -.19 | -.32 | 5.44 | -1.60 | -1.03 |
| 30 to 39 | 63.1 | -.29 | .17 | .87 | -2.96 | -.55 |
| 40 to 49 | 68.0 | -.16 | .18 | -.34 | -2.94 | -.07 |
| 50 to 61 | 71.0 | -.07 | .07 | -.79 | -1.59 | .26 |
| 62 or older | 74.7 | -.15 | -.03 | -1.86 | 3.15 | .87 |
| Unknown | 65.8 | -.12 | .09 | -.87 | 3.21 | .18 |
| Census tract characteristics | ||||||
| Income ratio | ||||||
| Low | 57.3 | -.11 | -.05 | 1.07 | 1.83 | .94 |
| Moderate | 63.0 | -.10 | -.10 | .26 | 1.35 | .42 |
| Middle | 67.2 | -.14 | -.01 | -.06 | .10 | -.02 |
| High | 70.8 | -.21 | .20 | -.27 | -2.52 | .05 |
| Unknown | 58.8 | -.32 | -.67 | .33 | 1.80 | 2.75 |
| Minority population (percent) | ||||||
| Less than 10 | 69.3 | -.20 | .17 | -.37 | -.59 | -.24 |
| 10-49 | 67.3 | -.14 | -.05 | .09 | -.78 | .18 |
| 50-79 | 63.3 | -.09 | -.14 | .59 | .00 | .80 |
| 80 or more | 59.2 | -.02 | -.15 | .65 | 1.11 | 1.33 |
| Urban | 67.7 | -.18 | .10 | -.07 | -.84 | .09 |
| Rural | 66.9 | -.06 | -.23 | -.07 | .95 | .06 |
| All | 67.6 | -.16 | .04 | -.07 | -.55 | .09 |
Note: Refer to notes to table 9.
| Characteristic | Base score |
Variable group | |||
|---|---|---|---|---|---|
| Types of credit in use |
Length of credit history |
Amounts owed |
Payment history |
||
| Race or ethnicity--SSA data | |||||
| Non-Hispanic white | 23.5 | -.11 | -.12 | -.15 | -2.18 |
| Black | 15.9 | .03 | .02 | -.05 | .65 |
| Hispanic | 19.9 | -.10 | .32 | -.18 | -.74 |
| Asian | 25.4 | -.19 | .29 | -.56 | -2.00 |
| American Indian | 26.0 | .01 | -.65 | -.25 | -2.35 |
| Unknown race | 22.0 | .05 | -.29 | -.09 | -1.09 |
| Race or ethnicity--location-based distribution | |||||
| Non-Hispanic white | 22.6 | -.09 | -.08 | -.16 | -1.81 |
| Black | 18.1 | .02 | -.06 | -.06 | -.05 |
| Hispanic | 20.2 | -.06 | .07 | -.13 | -.74 |
| Asian | 22.9 | -.10 | -.11 | -.27 | -1.45 |
| American Indian | 19.7 | .03 | .06 | .04 | -1.44 |
| National origin | |||||
| Foreign-born | 23.5 | -.14 | .29 | -.47 | -1.40 |
| Recent immigrant | 20.7 | -.17 | 1.25 | -.56 | -1.10 |
| Sex | |||||
| Male | 22.0 | -.05 | -.10 | -.18 | -1.75 |
| Female | 21.2 | -.11 | .03 | -.12 | -1.09 |
| Unknown | 21.8 | .09 | -.42 | -.01 | -1.03 |
| Marital status | |||||
| Married male | 24.9 | -.20 | -.34 | -.29 | -2.43 |
| Single male | 20.7 | .03 | .01 | -.13 | -1.26 |
| Married female | 24.1 | -.20 | -.18 | -.23 | -1.60 |
| Single female | 19.9 | -.08 | .10 | -.07 | -.72 |
| Unknown | 19.0 | .08 | .10 | -.02 | -.98 |
| Age--SSA data (years) | |||||
| Younger than 30 | 16.0 | -.03 | .86 | -.12 | -1.42 |
| 30 to 39 | 19.1 | -.11 | .46 | .04 | -1.14 |
| 40 to 49 | 22.0 | -.09 | .02 | -.11 | -1.07 |
| 50 to 61 | 25.3 | -.14 | -.60 | -.33 | -1.56 |
| 62 or older | 29.5 | .04 | -1.79 | -.43 | -2.64 |
| Unknown | 21.8 | .09 | -.42 | -.01 | -1.04 |
| Census tract characteristics | |||||
| Income ratio | |||||
| Low | 16.7 | .16 | .07 | -.01 | .14 |
| Moderate | 19.0 | .02 | .03 | -.03 | -.73 |
| Middle | 21.8 | -.07 | -.02 | -.11 | -1.52 |
| High | 25.6 | -.23 | -.30 | -.38 | -2.28 |
| Unknown | 21.1 | .04 | -.39 | -.85 | -.39 |
| Minority population (percent) | |||||
| Less than 10 | 23.7 | -.08 | -.09 | -.18 | -2.28 |
| 10-49 | 21.9 | -.11 | -.08 | -.13 | -1.53 |
| 50-79 | 19.0 | .00 | .07 | -.11 | -.27 |
| 80 or more | 17.8 | .04 | -.04 | -.12 | .28 |
| Urban | 21.8 | -.10 | -.07 | -.17 | -1.30 |
| Rural | 20.9 | .09 | .01 | .02 | -1.88 |
| All | 21.6 | -.07 | -.06 | -.14 | -1.40 |
Note: Refer to notes to table 9.
| Characteristic | Base score | Largest positive effect | Largest negative effect | ||
|---|---|---|---|---|---|
| Character- istic |
Difference | Character- istic |
Difference | ||
| Race or ethnicity--SSA data | |||||
| Non-Hispanic white | 40.7 | IN21 | .52 | AT35 | -.67 |
| Black | 18.6 | IN21 | .28 | G047 | -.15 |
| Hispanic | 30.4 | AT10 | .25 | AT20 | -.34 |
| Asian | 49.7 | AT10 | .49 | AT20 | -1.18 |
| American Indian | 51.5 | G104 | .99 | AT35 | -2.06 |
| Unknown race | 53.6 | IN21 | .56 | S040 | -.56 |
| Race or ethnicity--location-based distribution | |||||
| Non-Hispanic white | 46.7 | IN21 | .56 | S040 | -.38 |
| Black | 33.7 | IN21 | .30 | S040 | -.20 |
| Hispanic | 39.3 | IN21 | .26 | AT20 | -.23 |
| Asian | 48.2 | IN21 | .58 | AT35 | -.42 |
| American Indian | 40.0 | AT34 | .36 | AT35 | -.43 |
| National origin | |||||
| Foreign-born | 42.7 | AT10 | .44 | AT20 | -.74 |
| Recent immigrant | 45.9 | AT10 | .54 | AT20 | -1.36 |
| Sex | |||||
| Male | 35.5 | IN21 | .31 | AT35 | -.56 |
| Female | 36.8 | IN21 | .51 | RT21 | -.47 |
| Unknown | 54.6 | IN21 | .59 | S040 | -.60 |
| Marital status | |||||
| Married male | 44.1 | IN21 | .43 | AT35 | -.79 |
| Single male | 34.1 | IN21 | .29 | AT35 | -.57 |
| Married female | 46.3 | IN21 | .58 | AT35 | -.69 |
| Single female | 35.0 | IN21 | .52 | RT21 | -.50 |
| Unknown | 46.6 | IN21 | .50 | S040 | -.42 |
| Age--SSA data (years) | |||||
| Younger than 30 | 31.3 | RT28 | .36 | AT20 | -.53 |
| 30 to 39 | 24.9 | RT28 | .48 | AT20 | -.39 |
| 40 to 49 | 26.9 | RT28 | .51 | S004 | -.34 |
| 50 to 61 | 36.5 | IN21 | .49 | AT35 | -.44 |
| 62 or older | 63.6 | G104 | 1.24 | AT35 | -1.78 |
| Unknown | 54.6 | IN21 | .59 | S040 | -.60 |
| Census tract characteristics | |||||
| Income ratio | |||||
| Low | 30.0 | AT10 | .17 | AT20 | -.22 |
| Moderate | 37.1 | IN21 | .31 | S040 | -.23 |
| Middle | 45.0 | IN21 | .51 | S040 | -.35 |
| High | 53.5 | IN21 | .72 | S040 | -.47 |
| Unknown | 46.6 | AT24 | .69 | S004 | -.45 |
| Minority population (percent) | |||||
| Less than 10 | 48.9 | IN21 | .61 | S040 | -.42 |
| 10-49 | 45.0 | IN21 | .53 | S040 | -.35 |
| 50-79 | 38.0 | IN21 | .29 | S040 | -.25 |
| 80 or more | 33.1 | AT10 | .21 | AT20 | -.21 |
| Urban | 43.9 | IN21 | .48 | S040 | -.33 |
| Rural | 44.6 | IN21 | .48 | AT35 | -.39 |
| All | 44.0 | IN21 | .48 | S040 | -.33 |
Note: A complete list of the credit characteristics in the TransUnion sample and their codes is in
appendix B; the characteristics used for the three scorecards are listed in appendix C. Refer also to notes to table 9.
| Characteristic | Base score | Largest positive effect | Largest negative effect | ||
|---|---|---|---|---|---|
| Character- istic |
Difference | Character- istic |
Difference | ||
| Race or ethnicity--SSA data | |||||
| Non-Hispanic white | 69.0 | S015 | .11 | MT35 | -.26 |
| Black | 55.8 | AT26 | .14 | RT33 | -.39 |
| Hispanic | 59.8 | MT20 | .19 | DS02 | -.29 |
| Asian | 66.1 | AT29 | .35 | BI20 | -.25 |
| American Indian | 70.3 | RT03 | .27 | AT07 | -.35 |
| Unknown race | 66.7 | AT01 | .38 | S010 | -.23 |
| Race or ethnicity--location-based distribution | |||||
| Non-Hispanic white | 68.4 | ||||