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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 Findings on Differential Effect

Table 27. Decomposition of Mean Difference in the FRB Base Scores across and within Scorecards, by Selected Characteristics of the Sample Population and Scorecard

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

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Table 28.A. Thin File--Decomposition of Mean Score Difference, by Selected Characteristics of Sample Population and Credit Characteristic

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

 

Translation of Codes for Credit Characteristics, Table 28.A

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

 

Table 28.B. Clean File--Decomposition of Mean Score Difference, by Selected Characteristics of Sample Population and Credit Characteristic

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

 

Translation of Codes for Credit Characteristics, Table 28.B

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

 

Table 28.C. Major Derogatory: Decomposition of Mean Score Difference, by Selected Characteristics of Sample Population and Credit Characteristic

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

 

Translation of Codes for Credit Characteristics, Table 28.C

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

Return to text

 

Table 29. All Scorecards: Decomposition of Mean Score Difference, by Selected Characteristics of Sample Population and Variable Groups

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

 

Return to text

 

Table 30.A. Thin File: Score Differences from the Elimination of Credit Characteristics, by Selected Characteristics of Sample Population and Credit Characteristic

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.

 

Translation of Codes for Credit Characteristics, Table 30.A

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

 

Table 30.B. Clean File: Score Differences from the Elimination of Credit Characteristics, by Selected Characteristics of Sample Population and Credit Characteristic

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.

 

Translation of Codes for Credit Characteristics, Table 30.B

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

 

Table 30.C. Major Derogatory: Score Differences from the Elimination of Credit Characteristics, by Selected Characteristics of Sample Population and Credit Characteristic

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.

 

Translation of Codes for Credit Characteristics, Table 30.C

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

Return to text

 

Table 31.A. Thin File: Score Differences from Group Elimination, by Selected Characteristics of Sample Population and Variable Groups

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.

 

Table 31.B. Clean File: Score Differences from Group Elimination, by Selected Characteristics of Sample Population and Variable Groups

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.

 

Table 31.C. Major Derogatory: Score Differences from Group Elimination, by Selected Characteristics of Sample Population and Variable Groups

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.

Return to text

 

Table 32.A. Thin File: Biggest Changes in Scores Arising from the Addition of New Credit Characteristics

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.

 

Table 32.B. Clean File: Biggest Changes in Scores Arising from the Addition of New Credit Characteristics

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	DS09	.10	MT35	-.25
Black	62.8	MT34	.10	MT35	-.23
Hispanic	63.8	AT34	.10	AT07	-.25
Asian	68.0	S015	.11	AT07	-.25
American Indian	64.9	OF01	.15	MT35	-.25
National origin
Foreign-born	63.8	AT29	.30	AT07	-.30
Recent immigrant	53.5	RE28	.83	G006	-.36
Sex
Male	67.4	DS03	.42	MT35	-.24
Female	68.0	DS09	.10	DS03	-.54
Unknown	65.8	AT01	.65	MT01	-.35
Marital status
Married male	70.3	RT03	.38	MT35	-.29
Single male	63.9	DS03	.52	AT07	-.20
Married female	70.8	AT08	.12	DS03	-.64
Single female	64.6	S046	.18	DS03	-.45
Unknown	62.4	AT01	.28	MT01	-.19
Age--SSA data (years)
Younger than 30	50.0	BR28	.58	G006	-.32
30 to 39	63.1	RE20	.42	RE33	-.22
40 to 49	68.0	MT20	.26	G051	-.28
50 to 61	71.0	MT21	.23	BR20	-.41
62 or older	74.7	AT33	.38	AT07	-.52
Unknown	65.8	AT01	.65	MT01	-.35
Census tract characteristics
Income ratio
Low	57.3	BR28	.32	MT01	-.20
Moderate	63.0	PF02	.11	MT35	-.24
Middle	67.2	MT34	.10	MT35	-.29
High	70.8	DS09	.11	AT07	-.22
Unknown	58.8	DS03	.49	BC21	-.54
Minority population (percent)
Less than 10	69.3	S015	.11	MT35	-.29
10-49	67.3	DS09	.09	AT07	-.20
50-79	63.3	AT34	.09	AT07	-.21
80 or more	59.2	AT34	.14	BR20	-.35
Urban	67.7	DS09	.10	MT35	-.21
Rural	66.9	BI20	.27	MT35	-.33
All	67.6	MT34	.10	MT35	-.23

Note: Refer to note to table 32.A.

 

Table 32.C. Major Derogatory: Biggest Changes in Scores Arising from the Addition of New Credit Characteristics

Characteristic	Base score	Largest positive effect		Largest negative effect
		Character- istic	Difference	Character- istic	Difference
Race or ethnicity--SSA data
Non-Hispanic white	23.5	PB35	.17	RE28	-.06
Black	15.9	AT09	.03	FI01	-.10
Hispanic	19.9	IN34	.09	S009	-.10
Asian	25.4	MT32	.29	S114	-.19
American Indian	26.0	G096	.22	FI01	-.21
Unknown race	22.0	PB35	.13	G086	-.06
Race or ethnicity--location-based distribution
Non-Hispanic white	22.6	PB35	.16	G086	-.06
Black	18.1	BC29	.05	FI01	-.06
Hispanic	20.2	G006	.09	DS13	-.05
Asian	22.9	MT32	.28	G098	-.07
American Indian	19.7	G096	.09	FI01	-.18
National origin
Foreign-born	23.5	MT32	.16	G098	-.12
Recent immigrant	20.7	IN34	.31	AT20	-.18
Sex
Male	22.0	RT03	.18	FI01	-.11
Female	21.2	BC29	.10	RT12	-.12
Unknown	21.8	PB35	.11	G104	-.07
Marital status
Married male	24.9	PB35	.27	FI01	-.20
Single male	20.7	RT03	.14	G098	-.05
Married female	24.1	PB35	.18	DS14	-.15
Single female	19.9	S014	.11	RT12	-.10
Unknown	19.0	G006	.07	MT02	-.05
Age--SSA data (years)
Younger than 30	16.0	PF02	.12	AT20	-.16
30 to 39	19.1	RE12	.12	G104	-.09
40 to 49	22.0	MT21	.18	G043	-.08
50 to 61	25.3	BC98	.22	RE13	-.13
62 or older	29.5	G096	.38	AT28	-.21
Unknown	21.8	PB35	.10	G104	-.07
Census tract characteristics
Income ratio
Low	16.7	S019	.11	AT28	-.10
Moderate	19.0	G006	.06	AT28	-.08
Middle	21.8	PB35	.12	FI01	-.05
High	25.6	MT32	.38	G098	-.14
Unknown	21.1	G096	.37	MT21	-.42
Minority population (percent)
Less than 10	23.7	PB35	.19	G098	-.06
10-49	21.9	PB35	.13	RE28	-.06
50-79	19.0	G006	.08	DS13	-.04
80 or more	17.8	IN34	.09	RE12	-.08
Urban	21.8	PB35	.13	G098	-.05
Rural	20.9	G096	.15	FI01	-.14
All	21.6	PB35	.13	G086	-.05

Note: Refer to note to table 32.A.

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Table 33. Change in Mean Scores for Blacks, by Scorecard, from the Marginal Inclusion of Finance Company Tradeline Variables

Finance company variable (credit characteristic)		Thin	Clean	Major deroga- tory
FI01  Total number of finance installment accounts		0.01	0.09	-0.10
FI03  Total number of open finance installment accounts in good standing		0.00	-0.05	-0.04
FI05  Total number of finance installment accounts opened in the past 3 months		0.00	0.00	-0.01
FI06  Total number of finance installment accounts opened in the past 6 months		0.02	-0.07	-0.02
FI07  Total number of finance installment accounts opened in the past 12 months		-0.01	-0.07	-0.01
FI08  Total number of finance installment accounts opened in the past 18 months		-0.01	-0.04	-0.02
FI09  Total number of finance installment accounts opened in the past 24 months		-0.02	-0.06	-0.02
PF02  Total number of open and active personal loan accounts reported in the past 3 months		0.00	0.03	-0.05
PF03  Total number of open personal loan accounts in good standing		-0.01	-0.02	-0.04
PF05  Total number of personal loan accounts opened in the past 3 months		0.00	-0.02	0.00
PF06  Total number of personal loan accounts opened in the past 6 months		0.01	0.07	-0.01
PF07  Total number of personal loan accounts opened in the past 12 months		-0.01	0.02	-0.01
PF08  Total number of personal loan accounts opened in the past 18 months		0.00	0.01	-0.01
PF09  Total number of personal loan accounts opened in the past 24 months		0.00	0.04	-0.02
PF33  Total remaining balance from all open personal loan accounts reported in the past 12 months		-0.02	0.03	-0.01
PF34  Percentage of total remaining balance to total maximum credit for all open personal loan accounts reported in the past 12 months		-0.01	0.09	-0.04
S008  Total number of finance accounts confirmed in the past 12 months		0.00	-0.07	-0.06
S014  Total number of open finance installment accounts		-0.02	0.08	-0.02
S018  Total number of finance accounts opened in the past 12 months		-0.01	0.07	-0.01
S019  Total number of open personal finance installment accounts reported in the past 12 months		-0.01	…	-0.04
S020  Total number of open personal finance revolving accounts reported in the past 12 months		0.00	0.06	0.01
S027  Total number of months since the newest finance account was opened		-0.01	-0.04	-0.02
S078  Percentage of total remaining balance to total maximum credit for all open personal finance revolving accounts reported in the past 12 months		-0.01	-0.03	-0.01
S115  Total number of credit inquiries made by a finance company		-0.01	-0.03	0.00

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.

. . . Not applicable.  Return to table

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Table 34. FRB Base Score: Measures of Fit, by Selected Characteristics of the Sample Population and Performance Measure

Characteristic	Any account				New account				Existing account				Random account				Modified new account
	KS statistic		Score mean		KS statistic		Score mean		KS statistic		Score mean		KS statistic		Score mean		KS statistic		Score mean
	Raw	Adjusted	Goods	Bads	Raw	Adjusted	Goods	Bads	Raw	Adjusted	Goods	Bads	Raw	Adjusted	Goods	Bads	Raw	Adjusted	Goods	Bads
Race or ethnicity--SSA data
Non-Hispanic white	72.8	73.5	66.0	21.1	61.9	62.0	58.9	21.2	74.1	74.6	65.8	20.1	71.7	71.4	60.5	16.2	54.6	52.7	57.7	26.5
Black	69.4	68.0	49.4	14.4	48.2	56.4	37.2	14.8	69.2	69.3	48.9	14.0	56.1	66.0	37.6	11.9	38.9	49.5	36.7	18.9
Hispanic	66.2	68.2	54.7	18.8	52.3	55.9	46.9	19.7	67.9	70.4	54.5	17.8	61.8	67.3	47.0	14.9	39.6	45.9	45.4	25.3
Asian	66.9	73.4	63.1	25.0	57.4	62.6	58.5	26.0	71.1	75.9	63.0	22.6	68.8	72.0	59.4	19.0	56.3	56.1	57.4	31.3
American Indian	70.9	72.7	67.4	23.1	65.0	65.6	59.6	20.1	71.3	73.5	67.4	23.0	70.8	72.9	62.5	18.0	57.5	55.6	57.6	26.4
Unknown race	70.2	73.0	63.8	22.4	57.8	58.8	56.0	21.6	70.6	73.4	63.6	21.8	67.2	68.5	59.0	18.8	50.1	51.8	54.8	26.7
Race or ethnicity-- location-based distribution
Non-Hispanic white	73.1	73.5	65.3	20.5	61.2	61.4	57.8	20.5	74.3	74.5	65.1	19.6	71.2	70.8	59.5	16.0	53.5	52.3	56.5	25.6
Black	73.1	71.3	58.4	16.6	56.1	58.2	47.5	16.9	73.1	72.5	58.1	16.2	64.8	68.1	49.0	13.6	45.3	50.3	46.1	21.8
Hispanic	69.5	70.3	59.2	19.0	56.7	58.5	50.4	18.8	70.1	71.5	59.0	18.2	65.2	67.7	52.0	15.2	46.0	51.5	48.9	24.2
Asian	70.4	72.4	64.5	21.2	60.2	61.6	58.2	21.6	72.3	73.9	64.3	20.1	69.9	70.3	59.3	16.7	53.3	54.1	57.2	27.4
American Indian	73.1	72.8	60.8	17.7	61.8	63.4	51.5	17.8	74.0	73.6	60.6	16.9	67.3	69.2	53.4	14.5	49.6	54.3	48.9	22.6
National origin
Foreign-born	66.1	71.2	59.9	22.6	54.4	59.8	53.8	23.4	69.8	73.9	59.8	20.5	67.6	70.4	54.6	16.6	44.1	48.7	52.5	30.7
Recent immigrant	61.3	71.0	52.1	23.7	43.0	59.8	48.5	27.7	67.3	74.3	52.0	20.9	66.5	70.5	48.8	17.2	35.7	47.5	47.5	35.6
Sex
Male	72.4	72.7	63.6	19.6	59.6	60.6	55.8	20.4	73.4	73.8	63.3	18.8	70.1	70.7	57.3	15.3	51.0	51.9	54.3	25.5
Female	74.3	73.4	64.9	19.1	63.7	62.7	56.9	18.5	75.3	74.4	64.8	18.4	71.1	70.5	58.1	14.8	54.6	53.8	55.6	23.5
Unknown	68.8	73.4	63.5	23.7	53.3	56.2	54.6	23.9	69.1	73.6	63.4	23.3	66.5	68.4	59.7	20.8	46.8	49.1	53.4	30.5
Marital status
Married male	72.9	74.1	67.3	22.2	62.3	62.4	59.9	21.9	75.1	75.5	67.1	20.4	73.0	72.5	61.7	16.3	56.4	55.4	58.4	25.8
Single male	70.9	71.3	59.5	18.8	57.1	59.3	51.3	19.7	71.3	72.4	59.3	18.3	67.1	69.2	52.9	15.1	45.8	49.5	49.9	25.7
Married female	74.1	74.6	68.5	21.8	65.3	64.5	61.3	20.7	76.7	76.2	68.4	20.0	73.8	72.5	62.7	16.0	60.5	56.1	60.0	25.1
Single female	72.7	71.8	61.0	18.2	61.0	61.4	51.8	17.3	73.2	72.6	60.7	17.6	67.8	68.8	53.4	14.2	51.1	52.6	50.8	23.0
Unknown	71.9	72.2	58.8	18.2	55.3	57.7	49.4	19.4	71.5	72.4	58.7	18.3	65.7	67.9	52.5	15.7	44.8	49.8	48.3	24.7
Age--SSA data (years)
Younger than 30	69.4	73.7	47.5	16.8	52.3	61.0	43.3	19.7	69.0	75.2	47.5	16.8	62.2	68.7	42.2	14.7	43.8	55.3	43.4	25.3
30 to 39	74.2	72.9	58.5	16.7	63.3	63.6	52.4	17.4	75.2	74.3	58.4	16.1	69.1	72.2	50.8	13.2	55.5	54.9	51.6	22.1
40 to 49	74.0	73.5	64.2	18.7	64.3	64.0	57.5	18.7	75.3	74.9	63.9	17.6	71.0	72.2	56.6	14.1	55.5	54.5	56.0	23.1
50 to 61	72.2	73.0	67.7	22.0	65.6	65.3	61.0	19.6	74.8	74.5	67.5	20.2	72.0	71.7	61.3	15.9	57.9	55.9	59.5	24.5
62 or older	68.1	71.7	72.9	30.4	62.6	60.5	67.3	26.9	70.2	72.1	72.7	28.7	70.0	68.7	69.6	24.0	56.0	48.9	65.2	33.6
Unknown	68.8	73.4	63.5	23.7	53.3	56.1	54.6	23.9	69.1	73.6	63.4	23.3	66.5	68.4	59.7	20.8	46.8	49.0	53.4	30.5
Census tract characteristics
Income ratio
Low	71.5	68.7	53.1	15.6	56.0	55.6	42.7	16.7	70.6	69.4	52.9	15.7	62.5	66.3	44.4	13.4	45.7	48.4	42.2	21.4
Moderate	71.4	70.9	58.5	17.7	57.0	58.3	48.3	17.7	71.8	72.2	58.2	17.2	65.4	68.1	50.6	14.4	46.3	52.8	46.9	22.1
Middle	72.8	73.0	63.8	19.9	59.5	60.0	55.6	20.2	73.6	73.8	63.6	19.1	69.8	70.0	57.5	15.7	50.2	50.7	54.1	25.6
High	71.9	74.7	68.2	23.1	64.5	64.9	62.1	22.5	74.4	76.2	68.0	21.5	72.9	72.2	63.3	17.3	57.2	55.8	61.1	28.0
Unknown	64.6	73.0	55.3	23.3	74.8	80.3	52.3	24.9	64.8	74.0	55.1	23.3	58.3	67.5	50.5	21.3	74.9	80.0	54.4	29.4
Minority population (percent)
Less than 10	73.3	74.2	66.6	21.6	62.2	61.8	59.6	21.8	74.3	74.9	66.4	20.7	72.3	71.4	61.4	16.8	55.1	52.7	58.4	27.0
10-49	72.4	72.8	63.9	19.7	60.4	60.7	56.0	20.0	73.7	74.0	63.7	18.9	69.8	70.1	57.5	15.5	51.4	51.8	54.6	24.8
50-79	71.4	70.8	58.6	17.6	57.5	58.7	49.0	17.7	72.0	72.1	58.3	16.9	65.3	68.2	50.5	14.2	46.4	52.3	47.7	23.1
80 or more	69.6	67.9	54.1	16.9	54.4	56.8	43.5	16.9	69.4	69.4	53.8	16.6	61.2	66.3	45.4	14.0	43.3	48.0	42.5	22.3
Urban	73.1	73.1	64.4	19.7	61.2	61.2	56.7	19.7	74.0	74.1	64.2	18.9	70.3	70.3	58.1	15.5	52.8	52.7	55.4	25.0
Rural	73.6	73.2	63.3	19.4	60.5	60.4	53.9	19.3	74.4	74.1	63.2	18.7	69.6	69.9	56.8	15.5	51.7	50.9	51.9	23.3
All	73.0	73.0	64.2	19.6	61.0	61.0	56.3	19.7	74.0	74.0	64.0	18.9	70.2	70.2	57.9	15.5	52.4	52.4	54.9	24.8

Note: Refer to notes to table 9.

KS Kolmogorov-Smirnov.

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Table 35. Scores from the FRB Base Model and Race-Neutral Models: Measures of Fit, by Selected Characteristics of the Sample Population and Performance Measure

Characteristic	Any account				New account				Existing account				Random account				Modified new account
	KS statistic		Score mean		KS statistic		Score mean		KS statistic		Score mean		KS statistic		Score mean		KS statistic		Score mean
	Raw	Adjusted	Goods	Bads	Raw	Adjusted	Goods	Bads	Raw	Adjusted	Goods	Bads	Raw	Adjusted	Goods	Bads	Raw	Adjusted	Goods	Bads
FRB base model
Race or ethnicity--SSA data
Non-Hispanic white	72.8	73.5	66.0	21.1	61.9	62.0	58.9	21.2	74.1	74.6	65.8	20.1	71.7	71.4	60.5	16.2	54.6	52.7	57.7	26.5
Black	69.4	68.0	49.4	14.4	48.2	56.4	37.2	14.8	69.2	69.3	48.9	14.0	56.1	66.0	37.6	11.9	38.9	49.5	36.7	18.9
Hispanic	66.2	68.2	54.7	18.8	52.3	55.9	46.9	19.7	67.9	70.4	54.5	17.8	61.8	67.3	47.0	14.9	39.6	45.9	45.4	25.3
Asian	66.9	73.4	63.1	25.0	57.4	62.6	58.5	26.0	71.1	75.9	63.0	22.6	68.8	72.0	59.4	19.0	56.3	56.1	57.4	31.3
American Indian	70.9	72.7	67.4	23.1	65.0	65.6	59.6	20.1	71.3	73.5	67.4	23.0	70.8	72.9	62.5	18.0	57.5	55.6	57.6	26.4
Unknown race	70.2	73.0	63.8	22.4	57.8	58.8	56.0	21.6	70.6	73.4	63.6	21.8	67.2	68.5	59.0	18.8	50.1	51.8	54.8	26.7
Race or ethnicity-- location-based distribution
Non-Hispanic white	73.1	73.5	65.3	20.5	61.2	61.4	57.8	20.5	74.3	74.5	65.1	19.6	71.2	70.8	59.5	16.0	53.5	52.3	56.5	25.6
Black	73.1	71.3	58.4	16.6	56.1	58.2	47.5	16.9	73.1	72.5	58.1	16.2	64.8	68.1	49.0	13.6	45.3	50.3	46.1	21.8
Hispanic	69.5	70.3	59.2	19.0	56.7	58.5	50.4	18.8	70.1	71.5	59.0	18.2	65.2	67.7	52.0	15.2	46.0	51.5	48.9	24.2
Asian	70.4	72.4	64.5	21.2	60.2	61.6	58.2	21.6	72.3	73.9	64.3	20.1	69.9	70.3	59.3	16.7	53.3	54.1	57.2	27.4
American Indian	73.1	72.8	60.8	17.7	61.8	63.4	51.5	17.8	74.0	73.6	60.6	16.9	67.3	69.2	53.4	14.5	49.6	54.3	48.9	22.6
National origin
Foreign-born	66.1	71.2	59.9	22.6	54.4	59.8	53.8	23.4	69.8	73.9	59.8	20.5	67.6	70.4	54.6	16.6	44.1	48.7	52.5	30.7
Recent immigrant	61.3	71.0	52.1	23.7	43.0	59.8	48.5	27.7	67.3	74.3	52.0	20.9	66.5	70.5	48.8	17.2	35.7	47.5	47.5	35.6
All	73.0	73.0	64.2	19.6	61.0	61.0	56.3	19.7	74.0	74.0	64.0	18.9	70.2	70.2	57.9	15.5	52.4	52.4	54.9	24.8
Non-Hispanic-white-only model
Race or ethnicity--SSA data
Non-Hispanic white	72.7	73.4	66.2	21.0	61.7	62.0	59.0	21.2	74.0	74.5	66.0	20.1	71.7	71.2	60.6	16.2	54.5	52.6	57.7	26.6
Black	69.3	67.7	49.5	14.5	48.1	56.1	37.3	15.0	69.2	68.9	49.0	14.2	55.8	65.9	37.7	12.1	38.9	47.7	36.8	19.1
Hispanic	66.1	68.0	54.9	18.9	51.9	55.4	47.1	19.9	67.8	70.2	54.7	17.9	61.4	67.0	47.1	15.1	38.6	45.2	45.6	25.6
Asian	66.4	72.9	63.3	25.0	56.4	62.0	58.6	26.2	70.6	75.6	63.2	22.6	69.0	71.1	59.5	19.1	57.3	55.9	57.5	31.6
American Indian	70.7	72.6	67.5	23.1	65.8	66.6	59.6	20.0	71.0	73.5	67.5	22.9	71.2	72.3	62.6	18.0	58.2	56.8	57.6	26.3
Unknown race	69.9	72.7	63.5	22.5	57.7	59.1	56.2	21.8	70.2	72.9	63.3	21.9	66.9	68.3	58.8	19.0	50.1	51.5	54.9	27.0
Race or ethnicity-- location-based distribution
Non-Hispanic white	73.0	73.4	65.4	20.5	61.1	61.2	57.9	20.6	74.1	74.4	65.2	19.6	71.1	70.7	59.6	16.1	53.2	51.9	56.6	25.7
Black	72.9	71.2	58.5	16.7	55.9	57.9	47.6	17.1	72.9	72.3	58.2	16.3	64.6	68.1	49.1	13.7	45.0	50.6	46.2	22.0
Hispanic	69.3	70.2	59.3	19.1	56.2	58.0	50.6	18.9	69.9	71.3	59.1	18.3	64.9	67.5	52.1	15.3	44.7	50.9	49.1	24.5
Asian	70.1	72.2	64.6	21.3	59.6	61.5	58.3	21.8	71.9	73.6	64.4	20.2	69.9	70.1	59.4	16.8	52.4	53.2	57.3	27.7
American Indian	73.0	72.5	61.0	17.8	61.8	64.0	51.7	17.9	74.0	73.6	60.7	17.0	67.2	69.3	53.6	14.7	50.4	54.6	49.0	22.7
National origin
Foreign-born	65.9	70.8	60.1	22.7	54.2	59.3	53.9	23.5	69.7	73.4	59.9	20.6	67.4	69.8	54.7	16.7	44.8	48.5	52.6	31.0
Recent immigrant	61.2	70.5	52.5	24.0	43.8	60.2	48.9	28.0	67.0	72.9	52.4	21.2	66.4	70.1	49.2	17.6	36.3	49.8	47.9	36.0
All	72.9	72.9	64.3	19.7	60.8	60.8	56.4	19.8	73.9	73.9	64.1	18.9	70.1	70.1	57.9	15.6	52.0	52.0	55.0	24.9
Racial-indicator-variable model
Race or ethnicity--SSA data
Non-Hispanic white	72.8	73.4	66.3	21.1	61.9	62.1	59.2	21.2	74.0	74.4	66.1	20.1	71.7	71.3	60.7	16.2	54.7	52.7	58.0	26.6
Black	69.4	67.8	49.6	14.4	48.3	56.0	37.4	14.8	69.2	69.2	49.1	14.0	56.1	66.1	37.8	11.9	38.8	50.0	36.9	18.9
Hispanic	66.3	68.2	55.0	18.8	52.3	55.4	47.2	19.7	68.0	70.4	54.8	17.8	61.7	67.3	47.2	14.9	39.7	44.7	45.7	25.4
Asian	66.4	73.3	63.4	25.0	56.3	62.8	58.9	26.1	70.5	75.7	63.3	22.6	68.8	71.5	59.6	19.0	55.9	56.3	57.8	31.6
American Indian	70.9	72.8	67.7	23.1	65.4	67.0	59.9	20.1	71.2	73.3	67.6	23.0	70.8	72.4	62.7	18.0	58.0	57.5	57.9	26.3
Unknown race	70.1	73.2	63.2	22.4	57.7	59.9	56.2	21.7	70.5	73.4	63.0	21.9	67.2	68.9	58.5	18.9	50.5	52.8	55.0	26.7
Race or ethnicity-- location-based distribution
Non-Hispanic white	73.1	73.5	65.5	20.5	61.2	61.3	58.1	20.5	74.1	74.4	65.3	19.6	71.2	70.7	59.6	16.0	53.7	52.2	56.8	25.6
Black	73.0	71.3	58.5	16.6	56.1	57.9	47.7	16.9	73.0	72.4	58.2	16.2	64.5	68.2	49.1	13.6	45.2	50.3	46.3	21.8
Hispanic	69.5	70.3	59.3	19.0	56.6	58.4	50.7	18.8	70.1	71.4	59.1	18.2	65.0	67.8	52.2	15.2	45.4	51.1	49.2	24.3
Asian	70.4	72.3	64.7	21.3	60.1	61.6	58.5	21.7	72.1	73.7	64.5	20.1	69.9	70.1	59.4	16.7	53.1	53.7	57.5	27.6
American Indian	73.0	72.6	61.0	17.7	61.7	62.9	51.8	17.8	74.0	73.3	60.8	16.9	67.2	69.1	53.6	14.5	49.7	53.5	49.1	22.6
National origin
Foreign-born	66.1	71.1	60.2	22.6	54.1	59.7	54.1	23.4	69.8	73.8	60.0	20.5	67.6	70.3	54.8	16.6	44.3	48.6	52.8	30.9
Recent immigrant	61.2	70.7	52.5	23.9	43.2	58.9	49.0	27.9	66.9	74.6	52.4	21.0	66.5	71.2	49.2	17.3	35.9	46.4	48.0	36.0
All	73.0	73.0	64.3	19.6	60.9	60.9	56.5	19.7	73.9	73.9	64.2	18.9	70.1	70.1	58.0	15.5	52.2	52.2	55.2	24.8

Note: Refer to notes to table 34.

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Table 36. Scores from the FRB Base Model and Race-Neutral Models: Credit-Score Statistics, and Distribution of Sample Population by Score Decile, by Selected Characteristics of Sample Population

Characteristic	MEMO Sample (number)	Score statistics			Sample population, grouped by characteristic and distributed by score decile (percent)
		Mean	Median	Standard deviation	1st	2nd	3rd	4th	5th	6th	7th	8th	9th	10th	Total
FRB base model
Race or ethnicity--SSA data
Non-Hispanic white	148,568	54.0	56.0	28.3	7.6	8.4	9.0	9.5	9.6	10.1	10.3	12.3	12.2	11.1	100
Black	21,368	25.8	18.6	22.9	30.3	22.6	15.2	9.9	6.9	4.9	3.4	2.7	2.2	2.0	100
Hispanic	16,950	38.3	34.0	26.3	15.5	14.7	14.7	13.2	10.9	9.4	6.9	5.4	4.6	4.7	100
Asian	8,820	54.8	55.2	25.9	5.1	6.1	8.1	10.5	12.4	15.2	13.0	10.0	8.3	11.3	100
American Indian	409	57.3	63.0	27.8	5.5	6.3	10.7	8.8	8.2	8.1	10.2	15.2	15.4	11.6	100
Unknown race	36,352	52.2	52.4	27.2	7.2	8.1	9.0	10.5	12.6	13.7	11.4	8.1	8.2	11.3	100
Race or ethnicity-- location-based distribution
Non-Hispanic white	174,087	52.6	54.0	28.4	8.4	8.8	9.3	9.6	9.9	10.6	10.3	11.3	11.0	10.7	100
Black	23,946	37.5	31.2	28.0	19.4	16.4	13.1	10.4	9.1	8.1	6.5	6.0	5.8	5.1	100
Hispanic	23,632	43.1	39.8	28.0	13.7	12.6	12.2	11.9	10.9	10.0	8.1	6.9	6.8	6.9	100
Asian	9,016	52.5	53.0	28.5	8.3	8.3	9.2	10.4	10.8	11.8	10.1	9.3	9.3	12.7	100
American Indian	1,373	44.0	40.6	28.7	13.5	13.3	12.2	10.7	9.8	8.6	8.3	8.5	8.0	7.1	100
National origin
Foreign-born	25,597	48.7	48.0	26.6	8.2	8.9	10.6	12.5	12.8	13.1	10.2	8.3	7.1	8.4	100
Recent immigrant	4,261	44.3	46.2	20.9	8.0	7.0	9.1	14.8	18.7	21.5	12.4	4.4	2.0	2.1	100
All	232,467	50.0	50.0	28.8	10.1	10.0	10.0	10.0	10.0	10.3	9.7	10.2	10.0	9.8	100
Non-Hispanic-white-only model
Race or ethnicity--SSA data
Non-Hispanic white	148,568	54.1	56.6	28.4	7.7	8.3	9.0	9.4	9.7	9.4	10.8	12.5	11.9	11.3	100
Black	21,368	25.9	18.8	23.0	30.1	22.6	15.3	10.0	7.0	4.6	3.5	2.9	2.0	2.0	100
Hispanic	16,950	38.5	34.0	26.4	15.5	14.6	14.7	13.0	11.2	8.9	7.3	5.4	4.5	4.9	100
Asian	8,820	54.9	56.2	25.9	5.2	6.2	7.8	10.4	12.6	14.5	13.8	9.6	8.4	11.4	100
American Indian	409	57.4	63.2	27.9	5.5	6.5	10.6	8.7	8.3	7.4	10.7	15.1	15.6	11.6	100
Unknown race	36,352	51.9	53.0	27.1	7.2	8.1	9.1	11.0	11.9	14.9	10.9	7.5	10.1	9.5	100
Race or ethnicity--location-based distribution
Non-Hispanic white	174,087	52.7	54.4	28.5	8.5	8.8	9.3	9.7	9.9	10.2	10.7	11.3	11.1	10.7	100
Black	23,946	37.5	31.2	28.0	19.3	16.4	13.1	10.5	9.2	8.0	6.5	6.1	6.0	5.0	100
Hispanic	23,632	43.1	40.0	28.0	13.7	12.6	12.2	11.7	11.0	9.9	8.3	6.9	7.0	6.7	100
Asian	9,016	52.6	53.6	28.4	8.3	8.2	9.3	10.3	10.8	11.5	10.6	9.2	9.7	12.2	100
American Indian	1,373	44.1	40.6	28.7	13.4	13.4	12.2	10.7	9.9	8.5	8.3	8.4	8.1	7.1	100
National origin
Foreign-born	25,597	48.8	48.0	26.7	8.3	8.8	10.6	12.4	13.0	12.4	11.0	8.1	6.9	8.6	100
Recent immigrant	4,261	44.6	46.6	21.0	7.7	7.1	9.2	14.3	19.0	20.2	14.2	3.9	2.1	2.3	100
All	232,467	50.1	50.0	28.8	10.1	10.0	10.0	10.0	10.0	10.0	10.0	10.2	10.1	9.7	100
Racial-indicator-variable model
Race or ethnicity--SSA data
Non-Hispanic white	148,568	54.2	56.8	28.4	7.7	8.3	9.0	9.4	9.7	9.4	10.9	12.3	12.0	11.3	100
Black	21,368	25.9	18.6	23.1	30.3	22.6	15.3	9.8	7.0	4.6	3.5	2.8	2.2	2.0	100
Hispanic	16,950	38.5	34.0	26.4	15.6	14.6	14.7	13.0	11.0	8.9	7.4	5.4	4.6	4.8	100
Asian	8,820	54.9	56.4	25.9	5.1	6.2	8.0	10.3	12.3	14.6	13.9	10.2	8.2	11.2	100
American Indian	409	57.4	63.4	27.9	5.5	6.3	10.8	8.5	8.5	7.5	10.6	15.5	15.1	11.6	100
Unknown race	36,352	51.5	52.2	26.8	7.1	8.2	9.0	11.2	12.1	15.0	10.6	8.0	9.5	9.3	100
Race or ethnicity--location-based distribution
Non-Hispanic white	174,087	52.7	54.0	28.5	8.5	8.8	9.3	9.7	9.9	10.3	10.7	11.3	11.1	10.6	100
Black	23,946	37.5	31.2	27.9	19.4	16.4	13.2	10.4	9.2	8.0	6.6	6.0	5.9	5.0	100
Hispanic	23,632	43.1	39.8	28.0	13.7	12.6	12.2	11.8	10.9	9.8	8.4	6.9	7.0	6.7	100
Asian	9,016	52.6	53.2	28.5	8.3	8.2	9.2	10.4	10.8	11.5	10.6	9.2	9.6	12.3	100
American Indian	1,373	44.0	40.6	28.7	13.5	13.3	12.3	10.6	9.9	8.4	8.5	8.6	7.9	7.1	100
National origin
Foreign-born	25,597	48.8	48.0	26.7	8.2	8.8	10.7	12.4	12.8	12.4	11.2	8.3	7.0	8.4	100
Recent immigrant	4,261	44.6	46.2	20.9	7.7	7.2	9.0	14.4	18.6	20.4	14.4	4.3	2.0	1.8	100
All	232,467	50.0	50.0	28.8	10.2	10.0	10.0	10.0	10.0	10.0	10.0	10.2	10.1	9.7	100

Note: Scores are normalized to a scale of 0-100 according to the nonlinear conversion shown in table 13. Refer also to notes to table 9.

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Table 37. FRB Race-Neutral Models: Changes in FRB Base-Model Scores and in the FRB Base-Model Probability of Bad Performance, by Quintiles of the FRB Base Score

Characteristic	Lowest							Second lowest							Top three
	Change in score			Percent of sample with a change in score, by type of change		Change in probability of bad performance		Change in score			Percent of sample with a change in score, by type of change		Change in probability of bad performance		Change in score			Percent of sample with a change in score, by type of change		Change in probability of bad performance
	Mean	Median	Mean ab-solute value	In-crease	Change of less than 5 points	Mean	Percent of sample with an increase	Mean	Median	Mean ab-solute value	In-crease	Change of less than 5 points	Mean	Percent of sample with an increase	Mean	Median	Mean ab-solute value	In-crease	Change of less than 5 points	Mean	Percent of sample with an increase
Non-Hispanic-white-only model
Race or ethnicity--SSA data
Non-Hispanic white	.0	.0	.6	55.9	100.0	-.6	36.8	.1	.0	.6	57.6	100.0	1.2	77.2	.2	.0	1.3	55.0	97.2	-.2	29.1
Black	.1	.2	.6	63.4	100.0	-.4	39.6	.1	.2	.6	62.1	99.9	1.3	78.1	.1	.2	1.4	57.0	97.4	.1	45.5
Hispanic	.1	.0	.6	61.8	100.0	-.4	39.4	.1	.2	.7	59.6	99.9	1.3	78.1	.2	.2	1.4	58.4	97.1	.1	43.2
Asian	.0	.0	.6	53.2	100.0	-.6	35.8	.1	.0	.7	56.2	99.9	1.1	75.5	.2	.0	1.4	54.9	95.9	-.1	36.7
American Indian	-.1	-.2	.6	46.2	100.0	-.6	34.8	-.1	.0	.7	51.7	100.0	.9	71.0	.1	.0	1.4	53.2	97.2	-.3	24.7
Unknown race	.0	.0	.7	55.2	99.9	-.5	37.2	-.1	.0	.8	50.9	99.8	.9	68.0	-.4	.0	2.2	51.8	88.5	-.4	32.1
Race or ethnicity-- location-based distribution
Non-Hispanic white	.0	.0	.6	56.8	100.0	-.5	37.2	.0	.0	.7	57.0	99.9	1.1	76.0	.1	.0	1.5	54.6	95.8	-.2	30.0
Black	.1	.0	.6	61.6	100.0	-.4	39.4	.1	.0	.7	58.2	99.9	1.1	75.5	.0	.0	1.5	55.3	95.3	-.1	36.6
Hispanic	.1	.0	.6	60.1	100.0	-.5	38.2	.1	.0	.7	57.8	99.9	1.2	75.6	.1	.0	1.6	55.6	95.2	-.1	37.3
Asian	.0	.0	.6	58.3	100.0	-.5	37.4	.1	.0	.7	56.7	99.9	1.1	75.7	.0	.0	1.6	53.4	94.7	-.2	32.4
American Indian	.1	.0	.6	59.6	100.0	-.4	38.6	.1	.0	.7	59.3	99.9	1.3	77.7	.1	.0	1.5	56.4	96.0	-.1	34.0
National origin
Foreign-born	.0	.0	.6	56.7	100.0	-.5	36.8	.1	.0	.7	57.0	99.9	1.2	76.1	.2	.0	1.4	56.2	96.3	.0	39.4
Recent immigrant	.2	.2	.6	66.5	100.0	-.2	43.7	.2	.2	.8	61.3	99.8	1.5	80.3	.5	.4	1.7	62.7	94.9	.4	59.9
All	.0	.0	.6	58.2	100.0	-.5	37.8	.1	.0	.7	57.2	99.9	1.1	75.9	.1	.0	1.5	54.7	95.7	-.2	31.2
Racial-indicator-variable model
Race or ethnicity--SSA data
Non-Hispanic white	-.1	-.2	.3	47.8	100.0	.6	81.7	.0	.0	.3	62.4	100.0	.1	51.6	.3	.4	.9	75.1	98.4	-.2	27.3
Black	.0	.0	.3	54.0	100.0	.8	88.2	.0	.0	.3	62.5	100.0	.1	52.7	.3	.4	.9	75.3	98.3	-.1	41.5
Hispanic	.0	.0	.3	52.3	100.0	.8	86.5	.1	.0	.3	62.7	100.0	.1	52.1	.3	.4	1.0	76.3	98.1	-.1	41.0
Asian	-.1	-.2	.3	47.2	100.0	.6	82.7	.1	.0	.4	59.8	99.9	.1	50.9	.2	.4	1.0	72.7	97.3	-.1	34.1
American Indian	-.1	-.2	.3	44.2	100.0	.6	74.7	.0	.0	.3	62.0	100.0	.1	51.0	.2	.4	.9	72.3	98.2	-.2	22.2
Unknown race	.1	.0	.4	56.0	100.0	1.0	85.0	-.1	.0	.5	54.3	99.9	-.1	46.1	-1.1	.0	2.1	54.6	84.0	-.8	24.5
Race or ethnicity-- location-based distribution
Non-Hispanic white	.0	-.2	.3	49.2	100.0	.7	82.8	.0	.0	.3	61.2	100.0	.0	50.8	.1	.4	1.1	71.7	96.1	-.3	27.3
Black	.0	.0	.3	54.2	100.0	.8	87.2	.0	.0	.3	60.9	100.0	.1	51.2	.0	.4	1.2	70.3	94.9	-.3	32.6
Hispanic	.0	.0	.3	53.2	100.0	.8	86.5	.0	.0	.4	60.8	100.0	.1	50.6	.0	.4	1.2	70.9	95.1	-.3	33.1
Asian	.0	.0	.3	51.8	100.0	.7	85.0	.0	.0	.4	60.6	100.0	.1	51.3	.0	.4	1.2	71.8	95.0	-.3	29.6
American Indian	.0	.0	.3	51.1	100.0	.7	84.1	.0	.0	.3	63.0	100.0	.1	51.9	.1	.4	1.1	72.0	95.9	-.3	31.2
National origin
Foreign-born	.0	-.2	.3	48.5	100.0	.7	83.4	.1	.0	.4	60.8	100.0	.1	50.5	0.2	.4	1.0	73.2	97.4	-.1	36.5
Recent immigrant	.1	.0	.3	57.9	100.0	.9	88.4	.2	.2	.4	67.9	99.9	.3	60.3	.4	.6	1.3	78.5	95.6	.0	58.4
All	.0	.0	.3	50.8	100.0	.7	84.2	.0	.0	.3	61.1	100.0	.0	50.9	.1	.4	1.1	71.5	95.9	-.3	28.3

Note: Refer to notes to table 9.

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Table 38. Scores in the FRB Base and Race-Neutral Models: Performance Residuals (Unexplained Percent Bad)

Characteristic	Any account	New account	Existing account	Random account	Modified new account
FRB base score
Race or ethnicity--SSA data
Non-Hispanic white	-.8	-.6	-.6	-.5	-.3
Black	4.7	3.2	4.0	2.6	2.7
Hispanic	1.4	.6	.8	-.1	.0
Asian	-1.6	.1	-1.2	-.4	.0
American Indian	-1.6	-.5	-.8	-.8	-.5
Unknown race	.4	1.0	.6	1.3	.4
Race or ethnicity-- location-based distribution
Non-Hispanic white	-.5	-.4	-.4	-.3	-.2
Black	2.9	2.4	2.5	1.9	1.6
Hispanic	1.0	.7	.7	.6	.3
Asian	-.9	.1	-.6	.0	.2
American Indian	.1	1.0	.0	.7	.1
National origin
Foreign-born	-.5	-.4	-.6	-.7	-.4
Recent immigrant	-1.3	-.3	-1.2	-.1	-.6
All	.0	.0	.0	.0	.0
Non-Hispanic-white-only score
Race or ethnicity--SSA data
Non-Hispanic white	-.8	-.6	-.6	-.6	-.4
Black	4.8	3.4	4.1	2.7	2.8
Hispanic	1.5	.6	.9	.0	.0
Asian	-1.5	.2	-1.2	-.4	.0
American Indian	-1.7	-.5	-.9	-.9	-.5
Unknown race	.3	1.0	.5	1.2	.3
Race or ethnicity-- location-based distribution
Non-Hispanic white	-.5	-.4	-.4	-.3	-.2
Black	3.0	2.4	2.5	2.0	1.6
Hispanic	1.0	.7	.8	.6	.3
Asian	-.9	.1	-.6	.0	.2
American Indian	.2	.9	.1	.8	.1
National origin
Foreign-born	-.4	-.4	-.6	-.7	-.4
Recent immigrant	-1.0	-.2	-1.0	.0	-.6
All	.0	.0	.0	.0	.0
Racial-indicator-variable score
Race or ethnicity--SSA data
Non-Hispanic white	-.8	-.6	-.6	-.6	-.3
Black	4.7	3.3	4.0	2.6	2.7
Hispanic	1.4	.6	.9	.0	.0
Asian	-1.5	.2	-1.1	-.4	.0
American Indian	-1.6	-.5	-.8	-.8	-.5
Unknown race	.3	1.0	.5	1.3	.3
Race or ethnicity-- location-based distribution
Non-Hispanic white	-.5	-.4	-.4	-.3	-.2
Black	3.0	2.4	2.5	2.0	1.6
Hispanic	1.0	.7	.7	.6	.3
Asian	-.9	.1	-.6	.1	.2
American Indian	.1	1.0	.0	.7	.2
National origin
Foreign-born	-.4	-.4	-.6	-.7	-.4
Recent immigrant	-1.1	-.2	-1.1	.0	-.6
All	.0	.0	.0	.0	.0

Note: Refer to notes to table 9.

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Table 39. Credit Points Assigned to Attributes of Credit Characteristic S019, Number of Open Finance Trades: Comparison of the Clean Scorecards in the FRB Base and Race-Neutral Models and Distribution of the Sample Population by Attribute

S019, number of finance trades	Model			Population distribution (percent)
	FRB base	White- only	Racial- indicator- variable
0	0	0	0	87.8
1	-23	-18	-21	10.4
2	-67	-56	-63	1.5
3 or more	-107	-118	-104	.4

Note: Credit characteristic S019 is "Total number of open personal finance installment accounts reported in the past 12 months."

The data shown here for the FRB base model are also reported in table 12.B.

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Table 40. Effect on Scores and Predictiveness when Credit Characteristic S019, Number of Open Finance Trades, Is Dropped from the Clean-File Scorecard of the FRB Base Model, by Selected Characteristics of Race, Ethnicity, and National Origin of the Sample Population and Performance Measure

Characteristic	Any-account performance					New-account performance					Existing-account performance					Random-account performance					Modified new-account performance
	Increase in predictiveness		No change in predictiveness (percent whose score changed less than 1 point)	Decrease in predictiveness		Increase in predictiveness		No change in predictiveness (percent whose score changed less than 1 point)	Decrease in predictiveness		Increase in predictiveness		No change in predictiveness (percent whose score changed less than 1 point)	Decrease in predictiveness		Increase in predictiveness		No change in predictiveness (percent whose score changed less than 1 point)	Decrease in predictiveness		Increase in predictiveness		No change in predictiveness (percent whose score changed less than 1 point)	Decrease in predictiveness
	Bad performers, percentage whose score decreased more than 1 point	Good performers, percentage whose score increased more than 1 point		Bad performers, percentage whose score increased more than 1 point	Good performers, percentage whose score decreased more than 1 point	Bad performers, percentage whose score decreased more than 1 point	Good performers, percentage whose score increased more than 1 point		Bad performers, percentage whose score increased more than 1 point	Good performers, percentage whose score decreased more than 1 point	Bad performers, percentage whose score decreased more than 1 point	Good performers, percentage whose score increased more than 1 point		Bad performers, percentage whose score increased more than 1 point	Good performers, percentage whose score decreased more than 1 point	Bad performers, percentage whose score decreased more than 1 point	Good performers, percentage whose score increased more than 1 point		Bad performers, percentage whose score increased more than 1 point	Good performers, percentage whose score decreased more than 1 point	Bad performers, percentage whose score decreased more than 1 point	Good performers, percentage whose score increased more than 1 point		Bad performers, percentage whose score increased more than 1 point	Good performers, percentage whose score decreased more than 1 point
Race or ethnicity--SSA data
Non-Hispanic white	1.6	12.8	46.6	1.3	37.8	.3	14.3	40.6	.3	44.5	1.0	13.0	46.5	.9	38.5	.4	13.9	47.0	.4	38.4	.2	14.7	39.7	.2	45.2
Black	3.9	13.7	50.3	4.3	27.7	.6	18.8	46.6	1.2	33.0	2.8	14.7	49.8	3.2	29.5	1.0	17.1	50.7	1.2	30.0	.4	19.6	46.9	.9	32.2
Hispanic	2.8	12.9	49.7	3.1	31.5	.7	17.8	44.9	.8	35.9	2.0	13.6	49.2	2.2	32.9	.8	15.5	50.2	1.0	32.5	.4	18.7	46.2	.7	34.1
Asian	1.8	7.9	51.8	1.0	37.5	.5	9.2	46.4	.3	43.6	1.1	8.2	51.4	.8	38.6	.4	9.0	51.8	.4	38.5	.3	10.0	45.2	.2	44.3
American Indian	1.3	15.5	48.5	.9	33.9	.3	17.5	40.1	.2	41.8	.9	15.7	48.5	.7	34.3	.4	15.9	48.9	.2	34.5	.2	17.5	39.0	.1	43.2
Unknown race	1.9	13.6	53.3	1.4	29.9	.5	13.3	47.3	.4	38.6	1.4	13.9	53.1	1.0	30.6	.6	14.5	53.7	.5	30.7	.3	13.3	47.4	.3	38.7
Race or ethnicity-- location-based distribution
Non-Hispanic white	1.7	12.6	47.2	1.3	37.3	.4	14.0	41.3	.3	44.1	1.1	12.9	47.0	.9	38.1	.4	13.7	47.5	.4	37.9	.2	14.4	40.5	.2	44.6
Black	2.5	13.8	50.6	2.6	30.4	.5	16.5	44.9	.8	37.4	1.7	14.4	50.3	2.0	31.6	.6	15.8	51.0	.8	31.8	.3	17.4	44.4	.5	37.3
Hispanic	2.2	13.1	50.3	2.3	32.1	.6	16.7	44.6	.7	37.5	1.5	13.6	49.9	1.7	33.2	.6	15.0	50.7	.8	33.0	.3	17.4	45.1	.6	36.7
Asian	1.8	11.2	52.0	1.2	33.8	.4	12.6	46.6	.4	40.1	1.2	11.5	51.8	.9	34.6	.5	12.2	52.2	.4	34.7	.2	13.1	45.8	.3	40.6
American Indian	1.8	14.8	46.8	2.3	34.4	.4	18.2	41.6	.4	39.4	1.2	15.2	46.8	1.5	35.3	.5	16.4	47.4	.8	34.9	.3	18.4	41.6	.3	39.5
National origin
Foreign-born	2.2	9.7	51.3	1.6	35.1	.5	12.3	46.5	.4	40.2	1.4	10.1	51.0	1.1	36.4	.5	11.3	51.5	.5	36.3	.4	13.1	46.3	.3	39.9
Recent immigrant	2.0	8.6	59.2	1.5	28.6	.7	11.4	57.9	.3	29.8	1.2	9.1	58.8	1.2	29.8	.5	10.1	59.2	.5	29.7	.6	11.7	58.8	.1	28.8
All	1.8	12.7	47.8	1.5	36.2	.4	14.3	42.0	.4	42.9	1.2	13.0	47.7	1.1	37.1	.4	13.9	48.2	.5	37.0	.2	14.8	41.4	.3	43.2

Note: Credit characteristic S019 is "Total number of open personal finance installment accounts reported in the past 12 months."

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Table 41. Scores from the FRB Base Model and Age-Neutral Models: Measures of Fit, by Selected Characteristics of the Sample Population and Performance Measure

Characteristic	Any account				New account				Existing account				Random account				Modified new account
	KS statistic		Score mean		KS statistic		Score mean		KS statistic		Score mean		KS statistic		Score mean		KS statistic		Score mean
	Raw	Adjusted	Goods	Bads	Raw	Adjusted	Goods	Bads	Raw	Adjusted	Goods	Bads	Raw	Adjusted	Goods	Bads	Raw	Adjusted	Goods	Bads
FRB base model
Age--SSA data (years)
Younger than 30	69.4	73.7	47.5	16.8	52.3	61.0	43.3	19.7	69.0	75.2	47.5	16.8	62.2	68.7	42.2	14.7	43.8	55.3	43.4	25.3
30 to 39	74.2	72.9	58.5	16.7	63.3	63.6	52.4	17.4	75.2	74.3	58.4	16.1	69.1	72.2	50.8	13.2	55.5	54.9	51.6	22.1
40 to 49	74.0	73.5	64.2	18.7	64.3	64.0	57.5	18.7	75.3	74.9	63.9	17.6	71.0	72.2	56.6	14.1	55.5	54.5	56.0	23.1
50 to 61	72.2	73.0	67.7	22.0	65.6	65.3	61.0	19.6	74.8	74.5	67.5	20.2	72.0	71.7	61.3	15.9	57.9	55.9	59.5	24.5
62 or older	68.1	71.7	72.9	30.4	62.6	60.5	67.3	26.9	70.2	72.1	72.7	28.7	70.0	68.7	69.6	24.0	56.0	48.9	65.2	33.6
Unknown	68.8	73.4	63.5	23.7	53.3	56.1	54.6	23.9	69.1	73.6	63.4	23.3	66.5	68.4	59.7	20.8	46.8	49.0	53.4	30.5
National origin
Foreign-born	66.1	71.2	59.9	22.6	54.4	59.8	53.8	23.4	69.8	73.9	59.8	20.5	67.6	70.4	54.6	16.6	44.1	48.7	52.5	30.7
Recent immigrant	61.3	71.0	52.1	23.7	43.0	59.8	48.5	27.7	67.3	74.3	52.0	20.9	66.5	70.5	48.8	17.2	35.7	47.5	47.5	35.6
All	73.0	73.0	64.2	19.6	61.0	61.0	56.3	19.7	74.0	74.0	64.0	18.9	70.2	70.2	57.9	15.5	52.4	52.4	54.9	24.8
Older-age model
Age--SSA data (years)
Younger than 30	69.1	73.8	46.2	16.9	52.0	57.3	42.2	19.8	68.8	75.2	46.1	16.8	61.6	68.4	41.1	14.7	43.9	48.1	42.3	25.6
30 to 39	74.1	73.3	57.1	16.7	63.1	63.8	51.0	17.4	75.1	74.9	56.9	16.0	68.8	72.3	49.7	13.2	55.3	55.3	50.3	22.1
40 to 49	74.1	73.4	63.4	18.7	64.2	63.6	56.5	18.6	75.3	74.8	63.1	17.5	70.9	72.1	55.9	14.0	55.9	54.6	55.1	23.0
50 to 61	72.4	72.7	67.8	22.0	65.7	65.2	60.7	19.5	74.8	74.2	67.5	20.1	71.9	71.3	61.4	15.8	57.8	55.6	59.1	24.4
62 or older	68.1	71.1	75.2	30.7	62.8	59.4	68.2	27.0	70.3	71.5	75.1	29.0	70.1	67.9	71.7	24.3	56.3	48.0	65.9	33.5
Unknown	68.5	73.6	63.1	23.6	52.8	55.2	53.9	24.0	68.8	73.9	63.0	23.1	66.6	68.7	59.4	20.7	42.3	46.2	52.8	31.0
National origin
Foreign-born	66.0	71.1	59.3	22.5	53.4	58.9	52.9	23.3	69.7	73.6	59.2	20.3	67.4	69.9	54.1	16.5	42.4	47.6	51.6	30.9
Recent immigrant	60.9	69.1	50.6	23.4	43.7	56.4	47.4	27.6	66.9	73.5	50.5	20.5	66.2	68.4	47.5	17.0	36.1	46.1	46.5	35.6
All	73.1	73.1	64.2	19.7	60.9	60.9	55.6	19.7	74.0	74.0	64.0	18.8	70.0	70.0	57.8	15.5	52.6	52.6	54.2	24.8
Age-indicator-variable model
Age--SSA data (years)
Younger than 30	69.3	73.1	46.8	16.7	52.3	59.2	42.6	19.6	69.0	75.1	46.7	16.7	62.1	68.3	41.5	14.6	43.5	53.4	42.7	25.2
30 to 39	74.1	73.4	57.4	16.6	63.3	63.9	51.3	17.3	75.1	74.9	57.3	16.0	69.0	72.3	49.9	13.1	55.6	55.1	50.6	22.0
40 to 49	74.1	73.5	63.6	18.7	64.4	64.1	56.7	18.6	75.4	75.0	63.3	17.6	71.0	72.3	56.0	14.1	55.7	54.4	55.3	23.0
50 to 61	72.2	72.9	67.7	22.1	65.7	65.4	60.7	19.6	74.7	74.5	67.5	20.2	72.0	71.7	61.3	15.9	57.7	55.7	59.1	24.4
62 or older	68.2	71.4	74.6	30.7	62.7	60.5	68.0	27.0	70.3	71.8	74.4	29.0	70.0	68.5	71.1	24.3	56.1	49.3	65.7	33.6
Unknown	68.8	73.5	63.7	23.7	53.2	55.4	54.2	23.9	69.2	73.7	63.5	23.3	66.5	68.4	59.9	20.8	45.8	49.5	53.0	30.5
National origin
Foreign-born	66.0	71.3	59.5	22.5	54.0	59.7	53.1	23.3	69.8	73.9	59.4	20.4	67.7	70.3	54.2	16.6	44.9	49.5	51.8	30.5
Recent immigrant	61.5	68.5	51.1	23.5	42.1	58.0	47.6	27.6	67.7	73.2	51.0	20.7	67.0	70.2	47.9	17.1	35.3	45.4	46.6	35.4
All	73.1	73.1	64.2	19.6	61.1	61.1	55.8	19.6	74.1	74.1	64.0	18.8	70.1	70.1	57.9	15.5	52.5	52.5	54.3	24.7

Note: Refer to notes to table 34.

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Table 42. Scores from the FRB Base Model and Age-Neutral Models: Credit-Score Statistics, and Distribution of Sample Population by Score Decile, by Selected Characteristics of Sample Population

Characteristic	MEMO Sample (number)	Score statistics			Sample population, grouped by characteristic and distributed by score decile (percent)
		Mean	Median	Standard deviation	1st	2nd	3rd	4th	5th	6th	7th	8th	9th	10th	Total
FRB base model
Age--SSA data (years)
Younger than 30	33,011	33.2	34.0	21.0	18.6	14.5	12.4	14.3	15.6	14.8	6.9	1.8	.6	.6	100
30 to 39	40,485	40.8	36.8	28.0	16.1	14.4	12.5	10.4	9.3	9.5	9.7	7.1	4.6	6.4	100
40 to 49	46,407	48.2	46.2	29.6	11.2	11.7	11.3	10.1	9.2	8.9	9.0	9.2	8.0	11.5	100
50 to 61	43,474	55.4	57.6	28.9	6.9	8.3	9.6	9.7	8.8	8.9	9.9	11.8	11.7	14.4	100
62 or older	44,075	66.0	74.4	24.4	2.6	4.0	5.8	6.2	6.4	7.9	10.6	20.5	23.7	12.5	100
Unknown	25,015	52.9	53.4	26.4	6.2	7.3	8.4	10.5	13.6	15.2	12.5	7.2	7.6	11.7	100
National origin
Foreign-born	25,597	48.7	48.0	26.6	8.2	8.9	10.6	12.5	12.8	13.1	10.2	8.3	7.1	8.4	100
Recent immigrant	4,261	44.3	46.2	20.9	8.0	7.0	9.1	14.8	18.7	21.5	12.4	4.4	2.0	2.1	100
All	232,467	50.0	50.0	28.8	10.1	10.0	10.0	10.0	10.0	10.3	9.7	10.2	10.0	9.8	100
Older-age Model
Age--SSA data (years)
Younger than 30	33,011	32.6	33.8	20.0	18.4	14.6	12.6	15.3	15.3	16.7	5.3	1.2	.4	.2	100
30 to 39	40,485	40.0	36.8	26.8	16.1	14.3	12.6	10.2	9.9	9.0	12.0	8.0	4.5	3.5	100
40 to 49	46,407	47.7	46.6	28.9	11.3	11.7	11.3	9.6	9.4	7.9	11.3	10.7	8.6	8.2	100
50 to 61	43,474	55.5	59.6	28.8	7.0	8.3	9.5	9.1	8.8	7.7	11.5	12.6	12.3	13.2	100
62 or older	44,075	68.1	77.2	25.5	2.7	3.9	5.7	5.8	6.3	6.6	9.6	15.7	22.3	21.3	100
Unknown	25,015	52.5	53.6	26.3	6.1	7.4	8.3	12.2	12.8	17.1	8.2	9.5	7.9	10.6	100
National origin
Foreign-born	25,597	48.3	47.8	26.3	8.3	8.8	10.6	12.3	13.1	13.8	10.5	8.0	7.2	7.4	100
Recent immigrant	4,261	43.2	45.6	19.7	8.1	6.9	9.4	15.2	18.6	25.6	10.2	3.6	1.5	.9	100
All	232,467	50.0	50.0	28.8	10.1	10.0	10.0	10.0	10.0	10.1	9.9	10.1	9.9	9.9	100
Age-indicator-variable model
Age--SSA data (years)
Younger than 30	33,011	32.8	33.8	20.4	18.5	14.7	12.4	15.3	15.1	15.8	5.9	1.6	.5	.3	100
30 to 39	40,485	40.2	36.8	27.1	16.1	14.4	12.6	10.6	9.4	9.8	10.3	8.1	4.4	4.4	100
40 to 49	46,407	47.8	46.4	29.2	11.2	11.7	11.3	10.2	9.1	8.8	9.7	10.6	7.8	9.7	100
50 to 61	43,474	55.4	58.0	28.9	6.8	8.3	9.6	9.7	8.7	8.7	10.2	12.5	11.4	14.2	100
62 or older	44,075	67.5	76.2	25.3	2.6	3.9	5.7	6.1	6.1	7.5	9.9	15.9	23.8	18.4	100
Unknown	25,015	53.0	53.8	26.3	6.2	7.2	8.3	10.7	13.5	14.9	11.8	8.5	9.0	9.8	100
National origin
Foreign-born	25,597	48.4	47.8	26.4	8.2	8.9	10.6	12.7	12.8	13.5	10.2	8.2	7.0	7.8	100
Recent immigrant	4,261	43.6	45.8	20.1	8.0	7.1	9.2	15.1	19.1	23.1	11.4	4.5	1.6	1.1	100
All	232,467	50.1	50.0	28.9	10.1	10.0	10.0	10.2	9.8	10.4	9.6	10.0	10.0	9.9	100

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Table 43. FRB Age-Neutral Models: Changes in FRB Base-Model Scores and in the FRB Base-Model Probability of Bad Performance, by Quintiles of the FRB Base Score

Characteristic	Lowest							Second lowest							Top three
	Change in score			Percent of sample with a change in score, by type of change		Change in probability of bad performance		Change in score			Percent of sample with a change in score, by type of change		Change in probability of bad performance		Change in score			Percent of sample with a change in score, by type of change		Change in probability of bad performance
	Mean	Median	Mean absolute value	Increase	Change of less than 5 points	Mean	Percent of sample with an increase	Mean	Median	Mean absolute value	Increase	Change of less than 5 points	Mean	Percent of sample with an increase	Mean	Median	Mean absolute value	Increase	Change of less than 5 points	Mean	Percent of sample with an increase
Older-age model
Age--SSA data (years)
Younger than 30	.2	.0	.9	52.4	99.6	.5	49.3	.1	-.2	1.3	46.7	96.3	.5	52.3	-1.9	-1.6	3.1	28.9	79.7	-1.6	16.9
30 to 39	.0	.0	.8	51.2	99.9	.2	48.6	.1	.0	.9	53.7	99.3	.7	60.4	-1.8	-1.0	3.3	38.1	77.4	-.7	28.8
40 to 49	.0	-.2	.8	50.0	99.9	.1	48.0	.2	.0	.9	56.3	99.6	.8	62.8	-1.0	-.2	3.0	47.1	79.7	-.3	38.0
50 to 61	-.1	-.2	.8	48.4	99.9	.1	47.0	.2	.0	.9	57.1	99.8	.8	63.5	.1	.2	2.8	57.4	81.5	.0	49.6
62 or older	-.2	-.2	.8	45.9	100.0	.0	45.8	.3	.2	.9	60.3	99.7	1.0	65.4	2.6	1.8	4.2	72.7	63.8	.5	72.3
Unknown	.3	.0	1.0	58.0	99.6	.9	57.4	-.2	-.2	1.3	45.6	98.5	.1	50.7	-.7	-1.4	4.4	41.4	64.8	-.8	35.9
National origin
Foreign-born	-.1	-.2	.9	44.4	99.8	.0	42.7	.2	.0	1.1	51.3	97.6	.7	57.0	-.7	-.4	3.3	45.7	75.7	-.5	36.7
Recent immigrant	-.1	-.2	.8	45.4	99.8	-.1	41.8	.2	-.2	1.5	46.4	94.6	.6	50.4	-1.9	-1.6	3.6	30.2	74.4	-1.3	19.5
All	.1	.0	.8	51.0	99.8	.3	48.9	.1	.0	1.0	53.5	98.9	.7	59.5	.0	.0	3.5	52.2	73.9	-.3	45.7
Age-indicator-variable Model
Age--SSA data (years)
Younger than 30	.0	.0	.2	61.4	100.0	.0	28.6	-.1	.0	.3	58.1	100.0	-.4	18.8	-1.0	-.8	1.3	23.0	97.6	-.7	12.0
30 to 39	.0	.0	.1	69.4	100.0	.0	41.9	.0	.0	.2	73.5	100.0	-.2	37.3	-1.3	-.6	1.8	33.4	91.1	-.4	26.1
40 to 49	.0	.0	.1	74.4	100.0	.1	50.5	.0	.0	.2	80.4	100.0	-.1	49.6	-.8	-.2	1.6	47.8	92.7	-.1	46.1
50 to 61	.0	.0	.1	77.9	100.0	.1	55.4	.1	.0	.2	84.2	100.0	-.1	56.9	.0	.4	1.6	61.1	94.4	.1	65.6
62 or older	.0	.0	.1	79.0	100.0	.1	60.9	.1	.2	.2	88.3	100.0	.1	67.4	1.9	1.4	2.7	77.0	82.6	.6	83.0
Unknown	.0	.0	.2	76.1	100.0	.1	56.6	.1	.0	.3	76.9	100.0	-.1	51.7	.0	-.2	2.1	49.4	84.2	-.1	37.6
National origin
Foreign-born	.0	.0	.1	68.8	100.0	.0	40.2	.0	.0	.2	71.6	100.0	-.2	38.5	-.4	-.2	1.7	45.8	92.1	-.2	41.3
Recent immigrant	-.1	.0	.2	62.1	100.0	-.1	28.0	-.1	.0	.3	55.7	100.0	-.4	20.6	-1.1	-.8	1.6	25.0	95.4	-.7	15.4
All	.0	.0	.1	71.0	100.0	.1	44.9	.0	.0	.2	76.0	100.0	-.2	44.9	.1	.0	1.9	53.9	89.7	.0	52.6

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Table 44. Scores in the FRB Base and Age-Neutral Models: Performance Residuals (Unexplained Percent Bad)

Characteristic	Any account	New account	Existing account	Random account	Modified new account
FRB base score
Age--SSA data (years)
Younger than 30	.4	2.2	.5	2.0	1.8
30 to 39	-.2	-.5	-.2	.0	.0
40 to 49	-.2	-.6	-.4	-.9	-.5
50 to 61	-.3	-1.0	-.4	-1.2	-.8
62 or older	.1	.2	.3	-.1	.0
Unknown	.6	2.1	.9	2.3	.9
National origin
Foreign-born	-.5	-.4	-.6	-.7	-.4
Recent immigrant	-1.3	-.3	-1.2	-.1	-.6
All	.0	.0	.0	.0	.0
Older-age score
Age--SSA data (years)
Younger than 30	.1	2.1	.2	1.9	1.8
30 to 39	-.3	-.5	-.2	.0	.0
40 to 49	-.1	-.6	-.4	-.9	-.5
50 to 61	-.1	-1.0	-.3	-1.2	-.8
62 or older	.3	.3	.5	-.1	.0
Unknown	.4	2.0	.8	2.2	.9
National origin
Foreign-born	-.6	-.4	-.7	-.8	-.4
Recent immigrant	-1.7	-.4	-1.6	-.3	-.7
All	.0	.0	.0	.0	.0
Age-indicator-variable score
Age--SSA data (years)
Younger than 30	.2	2.1	.3	1.9	1.8
30 to 39	-.3	-.5	-.3	-.1	.0
40 to 49	-.1	-.6	-.4	-.8	-.5
50 to 61	-.2	-1.0	-.4	-1.2	-.8
62 or older	.3	.3	.4	-.1	.0
Unknown	.6	2.1	1.0	2.3	.9
National origin
Foreign-born	-.5	-.4	-.7	-.7	-.4
Recent immigrant	-1.5	-.4	-1.4	-.2	-.7
All	.0	.0	.0	.0	.0

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Table 45. Credit Points Assigned to Attributes of Credit Characteristic S004, Average Age of Accounts: Comparison of the Clean Scorecards in the FRB Base and Age-Neutral Models and Distribution of the Sample Population by Attribute

S004, average age of accounts (months)	Model			Population distribution (percent)
	FRB base	Older-age	Age- indicator- variable
0-9	0	0	0	.7
10-15	62	-81	64	1.3
16-33	104	4	102	6.3
34-44	123	-3	116	4.6
45-55	134	27	131	5.5
56-61	151	50	152	3.8
62-70	151	57	155	7.4
71-75	158	71	164	4.9
76-84	161	72	168	9.7
85-103	162	76	172	19.1
104-152	164	79	176	24.6
153-224	165	86	181	9.2
225 or more	169	92	188	2.9

Note: Credit characteristic S004 is "Average age of accounts on credit report."
The data shown here for the FRB base model are also reported in table 12.B.

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Table 46. Scores and Performance Residuals: FRB Base Model and Age-Neutral Models, by Selected Ages and Status of National Origin of the Sample Population

Charac- teristic	FRB base		Older-age		Age-indicator-variable
	Mean score	Mean per- formance residual	Mean score	Mean per- formance residual	Mean score	Mean per- formance residual
Age	33.2	.4	32.5	-.3	32.8	.1
19	38.7	1.5	38.6	.5	38.9	1.6
20	37.0	3.3	37.0	2.7	37.1	3.3
21	35.4	3.9	35.1	3.4	35.2	3.7
22	33.1	2.1	32.9	1.5	32.9	1.9
23	31.3	.3	30.8	-.4	31.0	.0
24	31.3	-.5	30.6	-1.3	30.8	-.8
25	30.8	-.3	29.9	-1.1	30.2	-.7
26	31.6	-.3	30.6	-1.1	31.1	-.6
27	33.2	-.7	32.1	-1.4	32.5	-1.0
28	33.6	-1.1	32.6	-1.7	33.0	-1.4
29	34.3	-1.5	33.4	-2.1	33.6	-1.7
62 or older	66.0	.1	68.1	.3	67.5	.3
Recent immi- grants	44.3	-1.3	43.2	-1.6	43.6	-1.5

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Table 47. Effect on Scores and Predictiveness when Credit Characteristics Related to Length of Credit History Is Dropped from the FRB Base Model, by Scorecard, Selected Age and National Origin Characteristics of the Sample Population, and Performance Measure

Characteristic	Any-account performance					New-account performance					Existing-account performance					Random-account performance					Modified new-account performance
	Increase in predictiveness		No change in predictiveness (percent whose score changed less than 1 point)	Decrease in predictiveness		Increase in predictiveness		No change in predictiveness (percent whose score changed less than 1 point)	Decrease in predictiveness		Increase in predictiveness		No change in predictiveness (percent whose score changed less than 1 point)	Decrease in predictiveness		Increase in predictiveness		No change in predictiveness (percent whose score changed less than 1 point)	Decrease in predictiveness		Increase in predictiveness		No change in predictiveness (percent whose score changed less than 1 point)	Decrease in predictiveness
	Bad performers, percentage whose score decreased more than 1 point	Good performers, percentage whose score increased more than 1 point		Bad performers, percentage whose score increased more than 1 point	Good performers, percentage whose score decreased more than 1 point	Bad performers, percentage whose score decreased more than 1 point	Good performers, percentage whose score increased more than 1 point		Bad performers, percentage whose score increased more than 1 point	Good performers, percentage whose score decreased more than 1 point	Bad performers, percentage whose score decreased more than 1 point	Good performers, percentage whose score increased more than 1 point		Bad performers, percentage whose score increased more than 1 point	Good performers, percentage whose score decreased more than 1 point	Bad performers, percentage whose score decreased more than 1 point	Good performers, percentage whose score increased more than 1 point		Bad performers, percentage whose score increased more than 1 point	Good performers, percentage whose score decreased more than 1 point	Bad performers, percentage whose score decreased more than 1 point	Good performers, percentage whose score increased more than 1 point		Bad performers, percentage whose score increased more than 1 point	Good performers, percentage whose score decreased more than 1 point
Thin-file
Age--SSA data (years)
Younger than 30	14.9	8.1	40.9	12.3	23.9	4.9	13.1	45.7	3.1	33.2	7.3	10.7	44.1	4.6	33.4	6.0	12.0	44.2	4.1	33.7	3.1	12.6	47.4	1.6	35.3
30 to 39	18.4	7.1	30.8	24.2	19.5	7.0	17.2	33.5	5.8	36.4	10.9	10.5	36.8	9.1	32.6	9.4	13.5	35.6	8.6	32.9	4.0	16.4	38.1	3.1	38.5
40 to 49	18.6	9.0	30.0	21.2	21.2	8.7	19.4	29.9	6.3	35.8	9.5	13.9	34.9	7.2	34.4	8.3	15.5	34.6	6.8	34.7	4.2	19.4	33.6	2.2	40.6
50 to 61	13.6	12.6	27.1	16.0	30.8	7.6	17.6	34.8	5.7	34.3	7.1	17.2	28.5	4.4	42.9	5.9	18.3	28.6	4.4	42.7	3.6	17.1	37.8	2.6	38.9
62 or older	4.6	22.9	17.8	3.2	51.6	2.8	22.0	22.1	2.8	50.3	2.4	24.2	16.9	1.0	55.6	2.2	24.2	17.3	1.1	55.2	2.3	20.5	27.0	1.4	48.8
Unknown	5.4	19.9	25.8	4.9	44.1	4.1	24.4	30.5	2.3	38.8	3.4	21.0	25.8	2.7	47.0	2.8	21.6	25.9	2.4	47.3	2.5	23.0	34.5	1.1	38.9
National origin
Foreign-born	9.1	11.9	31.4	8.1	39.5	3.8	12.7	34.7	1.2	47.6	4.6	13.5	31.9	3.6	46.4	3.9	14.6	33.0	3.2	45.4	2.3	12.6	35.9	.5	48.8
Recent immigrant	7.4	9.9	29.0	6.7	47.1	3.3	11.7	29.6	.4	55.0	3.8	10.7	29.2	3.9	52.4	3.4	11.7	29.9	3.4	51.5	1.5	11.1	32.4	.2	54.8
All	11.1	14.1	30.2	10.9	33.7	5.3	17.0	38.2	3.7	35.8	5.5	17.3	31.0	3.9	42.4	4.7	17.9	31.6	3.7	42.1	3.2	16.4	41.0	1.8	37.7
Clean-file
Age--SSA data (years)
Younger than 30	1.6	67.2	14.3	9.9	7.1	.3	74.7	14.6	2.9	7.5	1.2	69.8	14.0	7.6	7.4	.7	73.1	14.8	3.5	7.9	.2	71.6	18.6	2.1	7.5
30 to 39	2.7	33.3	22.4	2.8	38.8	.6	34.7	23.0	.7	41.1	1.8	34.2	22.3	1.8	39.9	.8	34.6	23.8	.8	40.1	.3	34.4	25.4	.5	39.3
40 to 49	2.5	22.9	24.8	1.8	48.0	.5	23.6	25.2	.4	50.4	1.7	23.4	24.7	1.2	49.1	.6	23.6	26.0	.5	49.3	.3	23.3	26.8	.3	49.5
50 to 61	2.4	19.9	25.5	1.2	51.1	.4	20.2	26.1	.3	53.0	1.5	20.3	25.3	.7	52.1	.5	20.5	26.5	.3	52.2	.2	19.9	27.6	.2	52.1
62 or older	2.5	15.4	23.2	.6	58.3	.7	18.2	25.3	.3	55.6	1.7	15.6	23.2	.4	59.1	.7	15.7	23.7	.2	59.7	.4	18.3	26.6	.2	54.5
Unknown	3.0	24.0	18.2	2.9	52.0	.6	34.4	21.6	1.1	42.2	2.0	24.7	18.2	1.9	53.2	1.0	26.1	19.0	1.0	53.0	.3	32.5	25.5	1.0	40.8
National origin
Foreign-born	2.2	40.8	20.7	4.2	32.2	.5	47.7	19.5	1.2	31.2	1.4	42.1	20.6	2.7	33.3	.6	43.6	21.2	1.1	33.5	.3	48.0	20.8	.9	30.2
Recent immigrant	1.0	73.2	11.4	7.9	6.5	.2	81.4	10.0	2.0	6.4	.9	76.6	11.2	4.7	6.6	.5	79.3	11.6	1.8	6.8	.2	80.7	12.3	1.1	5.7
All	2.4	26.6	22.7	2.4	45.8	.5	31.5	23.4	.8	43.9	1.6	27.2	22.6	1.7	46.8	.7	28.1	23.6	.8	46.9	.3	31.1	25.5	.6	42.6
Major-derogatory
Age--SSA data (years)
Younger than 30	.8	13.1	63.3	22.6	.2	.1	37.1	54.4	7.8	.5	.5	17.8	61.5	19.9	.3	.4	27.4	60.9	11.0	.4	.1	42.6	52.4	4.5	.4
30 to 39	7.1	11.6	64.6	12.7	4.0	1.6	29.9	56.2	4.4	8.0	5.9	15.4	62.7	10.9	5.1	3.7	20.5	63.1	5.5	7.1	.7	33.7	55.5	2.4	7.8
40 to 49	12.5	11.3	55.4	10.5	10.3	2.4	26.5	49.7	3.2	18.2	10.3	14.6	53.5	8.5	13.2	5.7	18.4	54.1	4.1	17.7	1.1	29.7	50.7	1.9	16.6
50 to 61	16.2	10.0	46.6	8.6	18.6	2.6	21.9	42.5	2.5	30.6	13.0	12.3	45.1	6.8	22.8	6.3	15.8	45.6	3.1	29.2	.8	25.4	43.9	1.4	28.5
62 or older	19.6	7.3	36.5	5.5	31.2	3.5	16.3	39.3	2.2	38.7	15.4	8.6	34.8	4.3	36.9	7.6	11.3	35.6	1.9	43.7	1.2	19.9	41.6	1.2	36.1
Unknown	14.0	9.0	51.8	12.3	12.8	4.3	25.6	46.3	5.0	18.8	12.1	11.7	50.0	9.8	16.3	7.1	16.6	50.7	5.1	20.6	2.1	30.3	46.6	2.4	18.6
National origin
Foreign-born	8.2	16.7	50.6	14.7	9.7	1.2	36.1	43.9	4.2	14.7	6.7	20.5	48.7	12.3	11.9	3.4	26.8	49.2	5.8	14.9	.4	40.6	42.8	2.1	14.0
Recent immigrant	.5	24.2	50.7	24.3	.4	.0	55.5	38.4	6.1	.0	.4	29.6	48.9	20.7	.4	.3	40.4	48.9	10.0	.3	.0	61.3	35.9	2.8	.0
All	10.6	10.9	55.3	12.4	10.7	2.0	27.2	49.6	4.1	17.1	8.8	14.1	53.2	10.2	13.7	4.7	19.0	53.7	5.2	17.4	.8	30.9	49.9	2.2	16.2

Note: Credit characteristic G103, "Total number of months since the most recent update on an account," is dropped from the thin-file scorecard. Credit characteristic S004, "Average age of accounts on credit report," is dropped from the clean-file and major-derogatory scorecards.

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