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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 Figures 11.

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics

Note. The list of 312 credit characteristics is in appendix B. The correlation measure shown is the R-squared coefficient from the regression of each credit characteristc on any-account performance and on the demographic characteristic. For credit characteristics with missing values, two regressors were used: (1) an indicator variable with a value of 1 if the characteristic is missing and a value of zero otherwise and (2) a variable that takes a value of zero if the characteristic value is missing and the value of the credit characteristic otherwise. Generally, the demographic characteristic is an indicator variable that takes a value of 1 if the individual is a member of a specific nonbase demographic group and a value of zero if the individual is a member of the base group (refer to table 27 for the identity of the base groups). For these calculations, no base group is used for age; instead, age (expressed in years) is a continuous variable.



Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Black
Correlation
with performance
Correlation
with Black
Type of characteristic
0.440 0.109 Payment history
0.431 0.085 Payment history
0.418 0.090 Payment history
0.399 0.094 Payment history
0.369 0.066 Payment history
0.307 0.081 Amounts owed
0.299 0.064 Payment history
0.295 0.048 Payment history
0.288 0.056 Payment history
0.267 0.056 Payment history
0.261 0.038 Payment history
0.261 0.031 Payment history
0.261 0.068 Amounts owed
0.260 0.065 Amounts owed
0.253 0.056 Payment history
0.249 0.067 Amounts owed
0.249 0.064 Amounts owed
0.244 0.027 Payment history
0.234 0.033 Payment history
0.224 0.023 Payment history
0.213 0.029 Payment history
0.207 0.053 Amounts owed
0.206 0.032 Payment history
0.198 0.041 Payment history
0.196 0.018 Payment history
0.190 0.024 Payment history
0.187 0.055 Amounts owed
0.185 0.028 Payment history
0.183 0.067 Length of credit history
0.179 0.067 New credit
0.178 0.057 Types of credit in use
0.169 0.055 Amounts owed
0.168 0.014 Payment history
0.162 0.023 Payment history
0.161 0.025 Payment history
0.160 0.018 Payment history
0.149 0.015 Payment history
0.140 0.048 Amounts owed
0.138 0.014 Payment history
0.135 0.017 Payment history
0.134 0.050 New credit
0.132 0.014 Payment history
0.129 0.021 Payment history
0.128 0.035 Amounts owed
0.127 0.035 Amounts owed
0.125 0.012 Payment history
0.122 0.027 Payment history
0.116 0.014 Payment history
0.112 0.035 Amounts owed
0.111 0.014 Payment history
0.107 0.037 Length of credit history
0.105 0.033 Payment history
0.105 0.027 Amounts owed
0.104 0.020 Payment history
0.104 0.039 Length of credit history
0.102 0.032 New credit
0.102 0.032 New credit
0.102 0.032 New credit
0.101 0.031 New credit
0.101 0.031 New credit
0.095 0.028 Payment history
0.090 0.027 Length of credit history
0.088 0.029 Payment history
0.087 0.027 Payment history
0.087 0.027 Payment history
0.087 0.024 Payment history
0.086 0.026 Payment history
0.086 0.013 Payment history
0.086 0.025 Payment history
0.085 0.005 Payment history
0.085 0.025 Payment history
0.085 0.004 Payment history
0.085 0.026 Payment history
0.085 0.004 Payment history
0.083 0.027 Payment history
0.083 0.026 Types of credit in use
0.082 0.027 Payment history
0.082 0.004 Payment history
0.079 0.024 Types of credit in use
0.079 0.024 Types of credit in use
0.078 0.005 Payment history
0.078 0.024 Types of credit in use
0.078 0.006 Payment history
0.078 0.024 Types of credit in use
0.078 0.004 Payment history
0.077 0.024 Types of credit in use
0.076 0.003 Payment history
0.076 0.022 Amounts owed
0.076 0.022 Amounts owed
0.075 0.005 Payment history
0.074 0.012 New credit
0.072 0.027 Payment history
0.071 0.022 Amounts owed
0.069 0.018 Length of credit history
0.066 0.023 Types of credit in use
0.066 0.023 Types of credit in use
0.065 0.023 Types of credit in use
0.065 0.023 Types of credit in use
0.064 0.023 Types of credit in use
0.063 0.020 Amounts owed
0.062 0.012 Amounts owed
0.062 0.007 Payment history
0.062 0.021 Payment history
0.061 0.021 Types of credit in use
0.059 0.004 Payment history
0.059 0.003 Payment history
0.058 0.020 Types of credit in use
0.058 0.020 Types of credit in use
0.057 0.024 Payment history
0.056 0.008 Payment history
0.056 0.018 Types of credit in use
0.056 0.018 Types of credit in use
0.055 0.018 Types of credit in use
0.054 0.009 New credit
0.054 0.015 Payment history
0.054 0.013 Amounts owed
0.053 0.009 Payment history
0.051 0.005 Payment history
0.050 0.007 New credit
0.049 0.016 Length of credit history
0.049 0.022 Payment history
0.048 0.012 Payment history
0.048 0.004 Payment history
0.047 0.010 Amounts owed
0.045 0.004 Payment history
0.045 0.002 Payment history
0.045 0.004 Payment history
0.044 0.021 Payment history
0.043 0.011 Types of credit in use
0.042 0.011 Types of credit in use
0.042 0.011 Types of credit in use
0.041 0.011 Types of credit in use
0.041 0.011 Types of credit in use
0.041 0.005 Payment history
0.039 0.003 Payment history
0.038 0.008 Types of credit in use
0.038 0.009 Types of credit in use
0.038 0.009 Types of credit in use
0.037 0.009 Types of credit in use
0.037 0.015 Length of credit history
0.036 0.009 Types of credit in use
0.036 0.009 Types of credit in use
0.035 0.006 Payment history
0.035 0.012 Amounts owed
0.035 0.002 Payment history
0.035 0.004 New credit
0.034 0.003 Payment history
0.033 0.003 Payment history
0.033 0.016 New credit
0.032 0.004 Payment history
0.032 0.012 Length of credit history
0.031 0.006 Types of credit in use
0.030 0.002 Payment history
0.030 0.013 Types of credit in use
0.029 0.002 Payment history
0.029 0.004 New credit
0.029 0.004 Payment history
0.028 0.018 Types of credit in use
0.028 0.008 Types of credit in use
0.028 0.013 New credit
0.027 0.009 New credit
0.027 0.005 New credit
0.026 0.007 Payment history
0.025 0.002 Payment history
0.025 0.016 Types of credit in use
0.024 0.008 Amounts owed
0.023 0.008 New credit
0.023 0.008 Length of credit history
0.023 0.008 Amounts owed
0.023 0.005 New credit
0.022 0.002 Payment history
0.022 0.001 Amounts owed
0.022 0.010 New credit
0.021 0.003 Payment history
0.020 0.005 Types of credit in use
0.020 0.010 Types of credit in use
0.020 0.004 New credit
0.020 0.003 Amounts owed
0.020 0.008 Length of credit history
0.019 0.006 Length of credit history
0.019 0.004 Payment history
0.019 0.013 Types of credit in use
0.019 0.006 New credit
0.018 0.010 Amounts owed
0.018 0.003 Types of credit in use
0.018 0.004 Payment history
0.018 0.006 Types of credit in use
0.017 0.005 Amounts owed
0.016 0.006 Amounts owed
0.015 0.003 New credit
0.015 0.005 Amounts owed
0.015 0.003 Amounts owed
0.014 0.006 Amounts owed
0.014 0.005 Amounts owed
0.013 0.002 Amounts owed
0.013 0.003 New credit
0.012 0.000 New credit
0.012 0.010 Types of credit in use
0.012 0.003 New credit
0.012 0.002 Payment history
0.012 0.010 Types of credit in use
0.012 0.010 Payment history
0.011 0.003 New credit
0.011 0.003 New credit
0.011 0.003 New credit
0.010 0.003 New credit
0.010 0.002 New credit
0.010 0.001 Payment history
0.010 0.004 Types of credit in use
0.010 0.002 New credit
0.010 0.001 Payment history
0.010 0.002 New credit
0.009 0.001 New credit
0.009 0.002 New credit
0.008 0.003 Amounts owed
0.008 0.005 Length of credit history
0.008 0.001 Types of credit in use
0.008 0.001 Types of credit in use
0.008 0.001 Payment history
0.007 0.001 New credit
0.007 0.001 Types of credit in use
0.007 0.003 Amounts owed
0.007 0.001 Payment history
0.007 0.001 New credit
0.007 0.003 New credit
0.007 0.016 Length of credit history
0.007 0.002 New credit
0.007 0.000 Types of credit in use
0.006 0.004 Payment history
0.006 0.001 Payment history
0.006 0.001 New credit
0.006 0.001 Payment history
0.006 0.001 Types of credit in use
0.006 0.000 Types of credit in use
0.006 0.002 New credit
0.006 0.003 Amounts owed
0.006 0.003 New credit
0.005 0.001 New credit
0.005 0.003 Amounts owed
0.005 0.000 Payment history
0.005 0.001 Payment history
0.005 0.002 New credit
0.005 0.001 New credit
0.005 0.003 Amounts owed
0.005 0.001 Amounts owed
0.005 0.001 New credit
0.005 0.003 Amounts owed
0.005 0.002 Amounts owed
0.005 0.002 New credit
0.005 0.002 Payment history
0.005 0.001 Payment history
0.004 0.006 Payment history
0.004 0.001 Amounts owed
0.004 0.000 New credit
0.004 0.001 Types of credit in use
0.004 0.001 Types of credit in use
0.004 0.001 Types of credit in use
0.004 0.001 Types of credit in use
0.004 0.001 Amounts owed
0.004 0.001 Types of credit in use
0.004 0.001 New credit
0.004 0.001 New credit
0.004 0.002 Length of credit history
0.004 0.002 New credit
0.003 0.001 Amounts owed
0.003 0.003 New credit
0.003 0.001 Amounts owed
0.003 0.001 Payment history
0.003 0.001 New credit
0.003 0.001 New credit
0.003 0.001 New credit
0.003 0.001 Amounts owed
0.003 0.002 Amounts owed
0.002 0.004 New credit
0.002 0.002 New credit
0.002 0.000 New credit
0.002 0.003 New credit
0.002 0.003 Types of credit in use
0.002 0.002 Amounts owed
0.002 0.004 New credit
0.002 0.000 Payment history
0.002 0.000 New credit
0.002 0.002 New credit
0.001 0.001 Types of credit in use
0.001 0.010 Types of credit in use
0.001 0.002 New credit
0.001 0.001 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.001 New credit
0.000 0.000 New credit
0.000 0.001 Amounts owed
0.000 0.000 Types of credit in use
0.000 0.001 Amounts owed
0.000 0.000 Payment history
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.000 Types of credit in use
0.000 0.000 Types of credit in use
0.000 0.000 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Hispanic
Correlation
with performance
Correlation
with Hispanic
Type of characteristic
0.440 0.018 Payment history
0.431 0.017 Payment history
0.418 0.017 Payment history
0.399 0.018 Payment history
0.369 0.015 Payment history
0.307 0.015 Amounts owed
0.299 0.006 Payment history
0.295 0.007 Payment history
0.288 0.008 Payment history
0.267 0.007 Payment history
0.261 0.006 Payment history
0.261 0.006 Payment history
0.261 0.016 Amounts owed
0.260 0.013 Amounts owed
0.253 0.007 Payment history
0.249 0.016 Amounts owed
0.249 0.014 Amounts owed
0.244 0.006 Payment history
0.234 0.006 Payment history
0.224 0.005 Payment history
0.213 0.005 Payment history
0.207 0.009 Amounts owed
0.206 0.006 Payment history
0.198 0.005 Payment history
0.196 0.004 Payment history
0.190 0.005 Payment history
0.187 0.023 Amounts owed
0.185 0.005 Payment history
0.183 0.031 Length of credit history
0.179 0.029 New credit
0.178 0.015 Types of credit in use
0.169 0.008 Amounts owed
0.168 0.004 Payment history
0.162 0.004 Payment history
0.161 0.003 Payment history
0.160 0.004 Payment history
0.149 0.004 Payment history
0.140 0.009 Amounts owed
0.138 0.002 Payment history
0.135 0.004 Payment history
0.134 0.012 New credit
0.132 0.004 Payment history
0.129 0.008 Payment history
0.128 0.009 Amounts owed
0.127 0.009 Amounts owed
0.125 0.001 Payment history
0.122 0.003 Payment history
0.116 0.002 Payment history
0.112 0.012 Amounts owed
0.111 0.003 Payment history
0.107 0.028 Length of credit history
0.105 0.014 Payment history
0.105 0.003 Amounts owed
0.104 0.000 Payment history
0.104 0.029 Length of credit history
0.102 0.013 New credit
0.102 0.013 New credit
0.102 0.013 New credit
0.101 0.012 New credit
0.101 0.012 New credit
0.095 0.005 Payment history
0.090 0.029 Length of credit history
0.088 0.007 Payment history
0.087 0.005 Payment history
0.087 0.005 Payment history
0.087 0.003 Payment history
0.086 0.006 Payment history
0.086 0.001 Payment history
0.086 0.007 Payment history
0.085 0.001 Payment history
0.085 0.007 Payment history
0.085 0.001 Payment history
0.085 0.006 Payment history
0.085 0.001 Payment history
0.083 0.006 Payment history
0.083 0.005 Types of credit in use
0.082 0.006 Payment history
0.082 0.002 Payment history
0.079 0.003 Types of credit in use
0.079 0.003 Types of credit in use
0.078 0.001 Payment history
0.078 0.003 Types of credit in use
0.078 0.001 Payment history
0.078 0.003 Types of credit in use
0.078 0.002 Payment history
0.077 0.003 Types of credit in use
0.076 0.001 Payment history
0.076 0.002 Amounts owed
0.076 0.002 Amounts owed
0.075 0.001 Payment history
0.074 0.005 New credit
0.072 0.009 Payment history
0.071 0.009 Amounts owed
0.069 0.020 Length of credit history
0.066 0.004 Types of credit in use
0.066 0.004 Types of credit in use
0.065 0.004 Types of credit in use
0.065 0.004 Types of credit in use
0.064 0.004 Types of credit in use
0.063 0.009 Amounts owed
0.062 0.004 Amounts owed
0.062 0.002 Payment history
0.062 0.003 Payment history
0.061 0.004 Types of credit in use
0.059 0.001 Payment history
0.059 0.001 Payment history
0.058 0.003 Types of credit in use
0.058 0.003 Types of credit in use
0.057 0.009 Payment history
0.056 0.001 Payment history
0.056 0.003 Types of credit in use
0.056 0.003 Types of credit in use
0.055 0.003 Types of credit in use
0.054 0.002 New credit
0.054 0.001 Payment history
0.054 0.004 Amounts owed
0.053 0.000 Payment history
0.051 0.001 Payment history
0.050 0.005 New credit
0.049 0.011 Length of credit history
0.049 0.008 Payment history
0.048 0.001 Payment history
0.048 0.001 Payment history
0.047 0.003 Amounts owed
0.045 0.001 Payment history
0.045 0.001 Payment history
0.045 0.001 Payment history
0.044 0.008 Payment history
0.043 0.000 Types of credit in use
0.042 0.000 Types of credit in use
0.042 0.000 Types of credit in use
0.041 0.000 Types of credit in use
0.041 0.000 Types of credit in use
0.041 0.001 Payment history
0.039 0.000 Payment history
0.038 0.004 Types of credit in use
0.038 0.000 Types of credit in use
0.038 0.000 Types of credit in use
0.037 0.000 Types of credit in use
0.037 0.007 Length of credit history
0.036 0.000 Types of credit in use
0.036 0.000 Types of credit in use
0.035 0.001 Payment history
0.035 0.003 Amounts owed
0.035 0.001 Payment history
0.035 0.003 New credit
0.034 0.000 Payment history
0.033 0.000 Payment history
0.033 0.005 New credit
0.032 0.000 Payment history
0.032 0.027 Length of credit history
0.031 0.002 Types of credit in use
0.030 0.000 Payment history
0.030 0.005 Types of credit in use
0.029 0.000 Payment history
0.029 0.003 New credit
0.029 0.000 Payment history
0.028 0.008 Types of credit in use
0.028 0.001 Types of credit in use
0.028 0.003 New credit
0.027 0.003 New credit
0.027 0.003 New credit
0.026 0.001 Payment history
0.025 0.000 Payment history
0.025 0.006 Types of credit in use
0.024 0.002 Amounts owed
0.023 0.003 New credit
0.023 0.002 Length of credit history
0.023 0.002 Amounts owed
0.023 0.003 New credit
0.022 0.000 Payment history
0.022 0.001 Amounts owed
0.022 0.002 New credit
0.021 0.000 Payment history
0.020 0.000 Types of credit in use
0.020 0.001 Types of credit in use
0.020 0.003 New credit
0.020 0.001 Amounts owed
0.020 0.005 Length of credit history
0.019 0.001 Length of credit history
0.019 0.000 Payment history
0.019 0.004 Types of credit in use
0.019 0.002 New credit
0.018 0.001 Amounts owed
0.018 0.002 Types of credit in use
0.018 0.001 Payment history
0.018 0.001 Types of credit in use
0.017 0.001 Amounts owed
0.016 0.001 Amounts owed
0.015 0.004 New credit
0.015 0.001 Amounts owed
0.015 0.000 Amounts owed
0.014 0.001 Amounts owed
0.014 0.001 Amounts owed
0.013 0.000 Amounts owed
0.013 0.004 New credit
0.012 0.001 New credit
0.012 0.005 Types of credit in use
0.012 0.000 New credit
0.012 0.000 Payment history
0.012 0.005 Types of credit in use
0.012 0.005 Payment history
0.011 0.000 New credit
0.011 0.001 New credit
0.011 0.000 New credit
0.010 0.000 New credit
0.010 0.000 New credit
0.010 0.000 Payment history
0.010 0.002 Types of credit in use
0.010 0.003 New credit
0.010 0.000 Payment history
0.010 0.002 New credit
0.009 0.001 New credit
0.009 0.000 New credit
0.008 0.000 Amounts owed
0.008 0.002 Length of credit history
0.008 0.000 Types of credit in use
0.008 0.000 Types of credit in use
0.008 0.000 Payment history
0.007 0.002 New credit
0.007 0.000 Types of credit in use
0.007 0.001 Amounts owed
0.007 0.000 Payment history
0.007 0.001 New credit
0.007 0.000 New credit
0.007 0.012 Length of credit history
0.007 0.001 New credit
0.007 0.000 Types of credit in use
0.006 0.000 Payment history
0.006 0.002 Payment history
0.006 0.000 New credit
0.006 0.000 Payment history
0.006 0.000 Types of credit in use
0.006 0.000 Types of credit in use
0.006 0.000 New credit
0.006 0.001 Amounts owed
0.006 0.000 New credit
0.005 0.002 New credit
0.005 0.001 Amounts owed
0.005 0.000 Payment history
0.005 0.000 Payment history
0.005 0.000 New credit
0.005 0.000 New credit
0.005 0.001 Amounts owed
0.005 0.000 Amounts owed
0.005 0.001 New credit
0.005 0.000 Amounts owed
0.005 0.000 Amounts owed
0.005 0.000 New credit
0.005 0.000 Payment history
0.005 0.000 Payment history
0.004 0.003 Payment history
0.004 0.000 Amounts owed
0.004 0.001 New credit
0.004 0.000 Types of credit in use
0.004 0.000 Types of credit in use
0.004 0.000 Types of credit in use
0.004 0.000 Types of credit in use
0.004 0.000 Amounts owed
0.004 0.000 Types of credit in use
0.004 0.000 New credit
0.004 0.000 New credit
0.004 0.001 Length of credit history
0.004 0.001 New credit
0.003 0.000 Amounts owed
0.003 0.000 New credit
0.003 0.001 Amounts owed
0.003 0.000 Payment history
0.003 0.002 New credit
0.003 0.000 New credit
0.003 0.001 New credit
0.003 0.001 Amounts owed
0.003 0.001 Amounts owed
0.002 0.001 New credit
0.002 0.000 New credit
0.002 0.000 New credit
0.002 0.001 New credit
0.002 0.000 Types of credit in use
0.002 0.001 Amounts owed
0.002 0.002 New credit
0.002 0.000 Payment history
0.002 0.001 New credit
0.002 0.001 New credit
0.001 0.000 Types of credit in use
0.001 0.008 Types of credit in use
0.001 0.000 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.001 Types of credit in use
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.000 New credit
0.000 0.003 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.003 Types of credit in use
0.000 0.000 Types of credit in use
0.000 0.000 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Asian
Correlation
with performance
Correlation
with Asian
Type of characteristic
0.440 0.001 Payment history
0.431 0.000 Payment history
0.418 0.000 Payment history
0.399 0.001 Payment history
0.369 0.001 Payment history
0.307 0.001 Amounts owed
0.299 0.001 Payment history
0.295 0.001 Payment history
0.288 0.000 Payment history
0.267 0.000 Payment history
0.261 0.000 Payment history
0.261 0.000 Payment history
0.261 0.001 Amounts owed
0.260 0.001 Amounts owed
0.253 0.000 Payment history
0.249 0.001 Amounts owed
0.249 0.001 Amounts owed
0.244 0.000 Payment history
0.234 0.000 Payment history
0.224 0.000 Payment history
0.213 0.000 Payment history
0.207 0.002 Amounts owed
0.206 0.000 Payment history
0.198 0.000 Payment history
0.196 0.000 Payment history
0.190 0.000 Payment history
0.187 0.000 Amounts owed
0.185 0.000 Payment history
0.183 0.004 Length of credit history
0.179 0.002 New credit
0.178 0.000 Types of credit in use
0.169 0.001 Amounts owed
0.168 0.000 Payment history
0.162 0.000 Payment history
0.161 0.001 Payment history
0.160 0.000 Payment history
0.149 0.000 Payment history
0.140 0.001 Amounts owed
0.138 0.001 Payment history
0.135 0.000 Payment history
0.134 0.002 New credit
0.132 0.000 Payment history
0.129 0.000 Payment history
0.128 0.001 Amounts owed
0.127 0.001 Amounts owed
0.125 0.001 Payment history
0.122 0.000 Payment history
0.116 0.000 Payment history
0.112 0.000 Amounts owed
0.111 0.000 Payment history
0.107 0.011 Length of credit history
0.105 0.000 Payment history
0.105 0.001 Amounts owed
0.104 0.001 Payment history
0.104 0.007 Length of credit history
0.102 0.000 New credit
0.102 0.000 New credit
0.102 0.000 New credit
0.101 0.000 New credit
0.101 0.000 New credit
0.095 0.000 Payment history
0.090 0.012 Length of credit history
0.088 0.002 Payment history
0.087 0.000 Payment history
0.087 0.000 Payment history
0.087 0.000 Payment history
0.086 0.000 Payment history
0.086 0.000 Payment history
0.086 0.000 Payment history
0.085 0.000 Payment history
0.085 0.000 Payment history
0.085 0.000 Payment history
0.085 0.000 Payment history
0.085 0.001 Payment history
0.083 0.002 Payment history
0.083 0.000 Types of credit in use
0.082 0.001 Payment history
0.082 0.001 Payment history
0.079 0.000 Types of credit in use
0.079 0.000 Types of credit in use
0.078 0.000 Payment history
0.078 0.000 Types of credit in use
0.078 0.000 Payment history
0.078 0.000 Types of credit in use
0.078 0.001 Payment history
0.077 0.000 Types of credit in use
0.076 0.000 Payment history
0.076 0.001 Amounts owed
0.076 0.001 Amounts owed
0.075 0.000 Payment history
0.074 0.000 New credit
0.072 0.000 Payment history
0.071 0.000 Amounts owed
0.069 0.007 Length of credit history
0.066 0.002 Types of credit in use
0.066 0.002 Types of credit in use
0.065 0.002 Types of credit in use
0.065 0.002 Types of credit in use
0.064 0.002 Types of credit in use
0.063 0.000 Amounts owed
0.062 0.002 Amounts owed
0.062 0.000 Payment history
0.062 0.000 Payment history
0.061 0.000 Types of credit in use
0.059 0.000 Payment history
0.059 0.000 Payment history
0.058 0.000 Types of credit in use
0.058 0.000 Types of credit in use
0.057 0.000 Payment history
0.056 0.000 Payment history
0.056 0.000 Types of credit in use
0.056 0.000 Types of credit in use
0.055 0.000 Types of credit in use
0.054 0.000 New credit
0.054 0.000 Payment history
0.054 0.000 Amounts owed
0.053 0.001 Payment history
0.051 0.000 Payment history
0.050 0.000 New credit
0.049 0.008 Length of credit history
0.049 0.000 Payment history
0.048 0.000 Payment history
0.048 0.000 Payment history
0.047 0.000 Amounts owed
0.045 0.000 Payment history
0.045 0.000 Payment history
0.045 0.000 Payment history
0.044 0.000 Payment history
0.043 0.000 Types of credit in use
0.042 0.000 Types of credit in use
0.042 0.000 Types of credit in use
0.041 0.000 Types of credit in use
0.041 0.000 Types of credit in use
0.041 0.000 Payment history
0.039 0.000 Payment history
0.038 0.001 Types of credit in use
0.038 0.000 Types of credit in use
0.038 0.000 Types of credit in use
0.037 0.000 Types of credit in use
0.037 0.002 Length of credit history
0.036 0.000 Types of credit in use
0.036 0.000 Types of credit in use
0.035 0.000 Payment history
0.035 0.001 Amounts owed
0.035 0.000 Payment history
0.035 0.001 New credit
0.034 0.000 Payment history
0.033 0.000 Payment history
0.033 0.001 New credit
0.032 0.000 Payment history
0.032 0.018 Length of credit history
0.031 0.001 Types of credit in use
0.030 0.000 Payment history
0.030 0.000 Types of credit in use
0.029 0.000 Payment history
0.029 0.000 New credit
0.029 0.000 Payment history
0.028 0.001 Types of credit in use
0.028 0.003 Types of credit in use
0.028 0.002 New credit
0.027 0.001 New credit
0.027 0.001 New credit
0.026 0.000 Payment history
0.025 0.000 Payment history
0.025 0.002 Types of credit in use
0.024 0.003 Amounts owed
0.023 0.000 New credit
0.023 0.000 Length of credit history
0.023 0.000 Amounts owed
0.023 0.001 New credit
0.022 0.000 Payment history
0.022 0.000 Amounts owed
0.022 0.002 New credit
0.021 0.000 Payment history
0.020 0.000 Types of credit in use
0.020 0.000 Types of credit in use
0.020 0.000 New credit
0.020 0.000 Amounts owed
0.020 0.002 Length of credit history
0.019 0.000 Length of credit history
0.019 0.000 Payment history
0.019 0.000 Types of credit in use
0.019 0.000 New credit
0.018 0.000 Amounts owed
0.018 0.001 Types of credit in use
0.018 0.000 Payment history
0.018 0.000 Types of credit in use
0.017 0.000 Amounts owed
0.016 0.001 Amounts owed
0.015 0.001 New credit
0.015 0.001 Amounts owed
0.015 0.000 Amounts owed
0.014 0.001 Amounts owed
0.014 0.001 Amounts owed
0.013 0.002 Amounts owed
0.013 0.001 New credit
0.012 0.005 New credit
0.012 0.000 Types of credit in use
0.012 0.001 New credit
0.012 0.000 Payment history
0.012 0.000 Types of credit in use
0.012 0.000 Payment history
0.011 0.002 New credit
0.011 0.000 New credit
0.011 0.001 New credit
0.010 0.002 New credit
0.010 0.001 New credit
0.010 0.000 Payment history
0.010 0.000 Types of credit in use
0.010 0.001 New credit
0.010 0.000 Payment history
0.010 0.000 New credit
0.009 0.001 New credit
0.009 0.001 New credit
0.008 0.001 Amounts owed
0.008 0.001 Length of credit history
0.008 0.001 Types of credit in use
0.008 0.001 Types of credit in use
0.008 0.000 Payment history
0.007 0.002 New credit
0.007 0.001 Types of credit in use
0.007 0.000 Amounts owed
0.007 0.000 Payment history
0.007 0.001 New credit
0.007 0.000 New credit
0.007 0.007 Length of credit history
0.007 0.000 New credit
0.007 0.002 Types of credit in use
0.006 0.001 Payment history
0.006 0.001 Payment history
0.006 0.001 New credit
0.006 0.000 Payment history
0.006 0.000 Types of credit in use
0.006 0.002 Types of credit in use
0.006 0.000 New credit
0.006 0.000 Amounts owed
0.006 0.000 New credit
0.005 0.000 New credit
0.005 0.000 Amounts owed
0.005 0.000 Payment history
0.005 0.000 Payment history
0.005 0.001 New credit
0.005 0.000 New credit
0.005 0.000 Amounts owed
0.005 0.000 Amounts owed
0.005 0.000 New credit
0.005 0.000 Amounts owed
0.005 0.000 Amounts owed
0.005 0.002 New credit
0.005 0.000 Payment history
0.005 0.002 Payment history
0.004 0.002 Payment history
0.004 0.001 Amounts owed
0.004 0.001 New credit
0.004 0.000 Types of credit in use
0.004 0.000 Types of credit in use
0.004 0.000 Types of credit in use
0.004 0.000 Types of credit in use
0.004 0.000 Amounts owed
0.004 0.000 Types of credit in use
0.004 0.000 New credit
0.004 0.001 New credit
0.004 0.001 Length of credit history
0.004 0.000 New credit
0.003 0.000 Amounts owed
0.003 0.001 New credit
0.003 0.000 Amounts owed
0.003 0.000 Payment history
0.003 0.000 New credit
0.003 0.000 New credit
0.003 0.000 New credit
0.003 0.000 Amounts owed
0.003 0.000 Amounts owed
0.002 0.001 New credit
0.002 0.003 New credit
0.002 0.000 New credit
0.002 0.001 New credit
0.002 0.001 Types of credit in use
0.002 0.000 Amounts owed
0.002 0.001 New credit
0.002 0.000 Payment history
0.002 0.001 New credit
0.002 0.000 New credit
0.001 0.000 Types of credit in use
0.001 0.005 Types of credit in use
0.001 0.001 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.002 Payment history
0.000 0.004 New credit
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.001 Types of credit in use
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.000 New credit
0.000 0.001 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.001 Types of credit in use
0.000 0.000 Types of credit in use
0.000 0.000 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Racial or ethnic minority (SSA data)
Correlation
with performance
Correlation with
racial or ethnic
minorities
Type of characteristic
0.440 0.062 Payment history
0.431 0.053 Payment history
0.418 0.055 Payment history
0.399 0.057 Payment history
0.369 0.042 Payment history
0.307 0.047 Amounts owed
0.299 0.032 Payment history
0.295 0.027 Payment history
0.288 0.031 Payment history
0.267 0.032 Payment history
0.261 0.023 Payment history
0.261 0.019 Payment history
0.261 0.043 Amounts owed
0.260 0.038 Amounts owed
0.253 0.031 Payment history
0.249 0.043 Amounts owed
0.249 0.040 Amounts owed
0.244 0.017 Payment history
0.234 0.020 Payment history
0.224 0.014 Payment history
0.213 0.017 Payment history
0.207 0.028 Amounts owed
0.206 0.019 Payment history
0.198 0.023 Payment history
0.196 0.011 Payment history
0.190 0.015 Payment history
0.187 0.048 Amounts owed
0.185 0.017 Payment history
0.183 0.062 Length of credit history
0.179 0.059 New credit
0.178 0.038 Types of credit in use
0.169 0.030 Amounts owed
0.168 0.009 Payment history
0.162 0.014 Payment history
0.161 0.012 Payment history
0.160 0.011 Payment history
0.149 0.009 Payment history
0.140 0.029 Amounts owed
0.138 0.006 Payment history
0.135 0.011 Payment history
0.134 0.033 New credit
0.132 0.009 Payment history
0.129 0.015 Payment history
0.128 0.022 Amounts owed
0.127 0.021 Amounts owed
0.125 0.005 Payment history
0.122 0.014 Payment history
0.116 0.007 Payment history
0.112 0.026 Amounts owed
0.111 0.009 Payment history
0.107 0.053 Length of credit history
0.105 0.027 Payment history
0.105 0.014 Amounts owed
0.104 0.007 Payment history
0.104 0.052 Length of credit history
0.102 0.026 New credit
0.102 0.026 New credit
0.102 0.026 New credit
0.101 0.025 New credit
0.101 0.025 New credit
0.095 0.017 Payment history
0.090 0.049 Length of credit history
0.088 0.017 Payment history
0.087 0.018 Payment history
0.087 0.018 Payment history
0.087 0.013 Payment history
0.086 0.018 Payment history
0.086 0.007 Payment history
0.086 0.019 Payment history
0.085 0.003 Payment history
0.085 0.019 Payment history
0.085 0.002 Payment history
0.085 0.018 Payment history
0.085 0.002 Payment history
0.083 0.015 Payment history
0.083 0.016 Types of credit in use
0.082 0.015 Payment history
0.082 0.002 Payment history
0.079 0.013 Types of credit in use
0.079 0.013 Types of credit in use
0.078 0.003 Payment history
0.078 0.013 Types of credit in use
0.078 0.004 Payment history
0.078 0.013 Types of credit in use
0.078 0.002 Payment history
0.077 0.013 Types of credit in use
0.076 0.002 Payment history
0.076 0.011 Amounts owed
0.076 0.011 Amounts owed
0.075 0.003 Payment history
0.074 0.011 New credit
0.072 0.023 Payment history
0.071 0.019 Amounts owed
0.069 0.032 Length of credit history
0.066 0.012 Types of credit in use
0.066 0.012 Types of credit in use
0.065 0.012 Types of credit in use
0.065 0.012 Types of credit in use
0.064 0.011 Types of credit in use
0.063 0.017 Amounts owed
0.062 0.007 Amounts owed
0.062 0.004 Payment history
0.062 0.011 Payment history
0.061 0.014 Types of credit in use
0.059 0.002 Payment history
0.059 0.002 Payment history
0.058 0.012 Types of credit in use
0.058 0.012 Types of credit in use
0.057 0.021 Payment history
0.056 0.004 Payment history
0.056 0.011 Types of credit in use
0.056 0.011 Types of credit in use
0.055 0.011 Types of credit in use
0.054 0.006 New credit
0.054 0.008 Payment history
0.054 0.011 Amounts owed
0.053 0.003 Payment history
0.051 0.003 Payment history
0.050 0.008 New credit
0.049 0.022 Length of credit history
0.049 0.020 Payment history
0.048 0.007 Payment history
0.048 0.002 Payment history
0.047 0.009 Amounts owed
0.045 0.002 Payment history
0.045 0.002 Payment history
0.045 0.002 Payment history
0.044 0.019 Payment history
0.043 0.005 Types of credit in use
0.042 0.005 Types of credit in use
0.042 0.005 Types of credit in use
0.041 0.005 Types of credit in use
0.041 0.005 Types of credit in use
0.041 0.002 Payment history
0.039 0.002 Payment history
0.038 0.005 Types of credit in use
0.038 0.004 Types of credit in use
0.038 0.004 Types of credit in use
0.037 0.004 Types of credit in use
0.037 0.015 Length of credit history
0.036 0.004 Types of credit in use
0.036 0.004 Types of credit in use
0.035 0.003 Payment history
0.035 0.007 Amounts owed
0.035 0.002 Payment history
0.035 0.005 New credit
0.034 0.002 Payment history
0.033 0.001 Payment history
0.033 0.014 New credit
0.032 0.002 Payment history
0.032 0.037 Length of credit history
0.031 0.003 Types of credit in use
0.030 0.001 Payment history
0.030 0.011 Types of credit in use
0.029 0.001 Payment history
0.029 0.005 New credit
0.029 0.001 Payment history
0.028 0.013 Types of credit in use
0.028 0.003 Types of credit in use
0.028 0.009 New credit
0.027 0.006 New credit
0.027 0.003 New credit
0.026 0.005 Payment history
0.025 0.001 Payment history
0.025 0.010 Types of credit in use
0.024 0.006 Amounts owed
0.023 0.005 New credit
0.023 0.006 Length of credit history
0.023 0.006 Amounts owed
0.023 0.003 New credit
0.022 0.001 Payment history
0.022 0.001 Amounts owed
0.022 0.007 New credit
0.021 0.001 Payment history
0.020 0.002 Types of credit in use
0.020 0.005 Types of credit in use
0.020 0.003 New credit
0.020 0.002 Amounts owed
0.020 0.008 Length of credit history
0.019 0.003 Length of credit history
0.019 0.003 Payment history
0.019 0.011 Types of credit in use
0.019 0.004 New credit
0.018 0.005 Amounts owed
0.018 0.002 Types of credit in use
0.018 0.003 Payment history
0.018 0.004 Types of credit in use
0.017 0.004 Amounts owed
0.016 0.002 Amounts owed
0.015 0.003 New credit
0.015 0.002 Amounts owed
0.015 0.002 Amounts owed
0.014 0.003 Amounts owed
0.014 0.002 Amounts owed
0.013 0.001 Amounts owed
0.013 0.003 New credit
0.012 0.001 New credit
0.012 0.010 Types of credit in use
0.012 0.000 New credit
0.012 0.001 Payment history
0.012 0.010 Types of credit in use
0.012 0.010 Payment history
0.011 0.000 New credit
0.011 0.002 New credit
0.011 0.000 New credit
0.010 0.000 New credit
0.010 0.000 New credit
0.010 0.000 Payment history
0.010 0.004 Types of credit in use
0.010 0.002 New credit
0.010 0.001 Payment history
0.010 0.002 New credit
0.009 0.000 New credit
0.009 0.000 New credit
0.008 0.002 Amounts owed
0.008 0.005 Length of credit history
0.008 0.000 Types of credit in use
0.008 0.000 Types of credit in use
0.008 0.001 Payment history
0.007 0.002 New credit
0.007 0.000 Types of credit in use
0.007 0.003 Amounts owed
0.007 0.000 Payment history
0.007 0.000 New credit
0.007 0.001 New credit
0.007 0.025 Length of credit history
0.007 0.001 New credit
0.007 0.000 Types of credit in use
0.006 0.003 Payment history
0.006 0.001 Payment history
0.006 0.000 New credit
0.006 0.000 Payment history
0.006 0.001 Types of credit in use
0.006 0.000 Types of credit in use
0.006 0.000 New credit
0.006 0.003 Amounts owed
0.006 0.000 New credit
0.005 0.002 New credit
0.005 0.003 Amounts owed
0.005 0.000 Payment history
0.005 0.000 Payment history
0.005 0.000 New credit
0.005 0.000 New credit
0.005 0.003 Amounts owed
0.005 0.000 Amounts owed
0.005 0.001 New credit
0.005 0.002 Amounts owed
0.005 0.001 Amounts owed
0.005 0.000 New credit
0.005 0.001 Payment history
0.005 0.000 Payment history
0.004 0.008 Payment history
0.004 0.001 Amounts owed
0.004 0.000 New credit
0.004 0.001 Types of credit in use
0.004 0.001 Types of credit in use
0.004 0.001 Types of credit in use
0.004 0.001 Types of credit in use
0.004 0.001 Amounts owed
0.004 0.001 Types of credit in use
0.004 0.000 New credit
0.004 0.000 New credit
0.004 0.002 Length of credit history
0.004 0.001 New credit
0.003 0.000 Amounts owed
0.003 0.000 New credit
0.003 0.001 Amounts owed
0.003 0.000 Payment history
0.003 0.001 New credit
0.003 0.000 New credit
0.003 0.001 New credit
0.003 0.001 Amounts owed
0.003 0.002 Amounts owed
0.002 0.004 New credit
0.002 0.000 New credit
0.002 0.000 New credit
0.002 0.003 New credit
0.002 0.002 Types of credit in use
0.002 0.003 Amounts owed
0.002 0.005 New credit
0.002 0.000 Payment history
0.002 0.000 New credit
0.002 0.002 New credit
0.001 0.001 Types of credit in use
0.001 0.018 Types of credit in use
0.001 0.000 New credit
0.001 0.001 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.001 Payment history
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.001 Amounts owed
0.000 0.000 Types of credit in use
0.000 0.001 Amounts owed
0.000 0.000 Payment history
0.000 0.000 New credit
0.000 0.001 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.000 Types of credit in use
0.000 0.000 Types of credit in use
0.000 0.000 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history

Return to figure


Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Foreign-born
Correlation
with performance
Correlation
with foreign-born
Type of characteristic
0.440 0.001 Payment history
0.431 0.000 Payment history
0.418 0.000 Payment history
0.399 0.000 Payment history
0.369 0.000 Payment history
0.307 0.001 Amounts owed
0.299 0.001 Payment history
0.295 0.000 Payment history
0.288 0.000 Payment history
0.267 0.000 Payment history
0.261 0.000 Payment history
0.261 0.000 Payment history
0.261 0.001 Amounts owed
0.260 0.001 Amounts owed
0.253 0.000 Payment history
0.249 0.001 Amounts owed
0.249 0.001 Amounts owed
0.244 0.000 Payment history
0.234 0.000 Payment history
0.224 0.000 Payment history
0.213 0.000 Payment history
0.207 0.001 Amounts owed
0.206 0.000 Payment history
0.198 0.000 Payment history
0.196 0.000 Payment history
0.190 0.000 Payment history
0.187 0.000 Amounts owed
0.185 0.000 Payment history
0.183 0.005 Length of credit history
0.179 0.002 New credit
0.178 0.001 Types of credit in use
0.169 0.001 Amounts owed
0.168 0.000 Payment history
0.162 0.000 Payment history
0.161 0.000 Payment history
0.160 0.000 Payment history
0.149 0.000 Payment history
0.140 0.002 Amounts owed
0.138 0.001 Payment history
0.135 0.000 Payment history
0.134 0.005 New credit
0.132 0.000 Payment history
0.129 0.000 Payment history
0.128 0.001 Amounts owed
0.127 0.001 Amounts owed
0.125 0.001 Payment history
0.122 0.000 Payment history
0.116 0.000 Payment history
0.112 0.000 Amounts owed
0.111 0.000 Payment history
0.107 0.016 Length of credit history
0.105 0.000 Payment history
0.105 0.002 Amounts owed
0.104 0.000 Payment history
0.104 0.011 Length of credit history
0.102 0.000 New credit
0.102 0.000 New credit
0.102 0.000 New credit
0.101 0.000 New credit
0.101 0.000 New credit
0.095 0.001 Payment history
0.090 0.016 Length of credit history
0.088 0.002 Payment history
0.087 0.000 Payment history
0.087 0.000 Payment history
0.087 0.000 Payment history
0.086 0.000 Payment history
0.086 0.000 Payment history
0.086 0.000 Payment history
0.085 0.000 Payment history
0.085 0.000 Payment history
0.085 0.000 Payment history
0.085 0.000 Payment history
0.085 0.000 Payment history
0.083 0.002 Payment history
0.083 0.001 Types of credit in use
0.082 0.002 Payment history
0.082 0.000 Payment history
0.079 0.001 Types of credit in use
0.079 0.001 Types of credit in use
0.078 0.000 Payment history
0.078 0.001 Types of credit in use
0.078 0.000 Payment history
0.078 0.002 Types of credit in use
0.078 0.000 Payment history
0.077 0.001 Types of credit in use
0.076 0.000 Payment history
0.076 0.001 Amounts owed
0.076 0.001 Amounts owed
0.075 0.000 Payment history
0.074 0.003 New credit
0.072 0.000 Payment history
0.071 0.000 Amounts owed
0.069 0.011 Length of credit history
0.066 0.003 Types of credit in use
0.066 0.003 Types of credit in use
0.065 0.003 Types of credit in use
0.065 0.003 Types of credit in use
0.064 0.002 Types of credit in use
0.063 0.000 Amounts owed
0.062 0.000 Amounts owed
0.062 0.000 Payment history
0.062 0.000 Payment history
0.061 0.000 Types of credit in use
0.059 0.000 Payment history
0.059 0.000 Payment history
0.058 0.001 Types of credit in use
0.058 0.001 Types of credit in use
0.057 0.000 Payment history
0.056 0.000 Payment history
0.056 0.001 Types of credit in use
0.056 0.001 Types of credit in use
0.055 0.001 Types of credit in use
0.054 0.000 New credit
0.054 0.001 Payment history
0.054 0.000 Amounts owed
0.053 0.000 Payment history
0.051 0.000 Payment history
0.050 0.003 New credit
0.049 0.012 Length of credit history
0.049 0.000 Payment history
0.048 0.000 Payment history
0.048 0.000 Payment history
0.047 0.000 Amounts owed
0.045 0.000 Payment history
0.045 0.000 Payment history
0.045 0.000 Payment history
0.044 0.000 Payment history
0.043 0.001 Types of credit in use
0.042 0.001 Types of credit in use
0.042 0.001 Types of credit in use
0.041 0.001 Types of credit in use
0.041 0.001 Types of credit in use
0.041 0.000 Payment history
0.039 0.000 Payment history
0.038 0.000 Types of credit in use
0.038 0.001 Types of credit in use
0.038 0.001 Types of credit in use
0.037 0.001 Types of credit in use
0.037 0.002 Length of credit history
0.036 0.001 Types of credit in use
0.036 0.001 Types of credit in use
0.035 0.000 Payment history
0.035 0.001 Amounts owed
0.035 0.000 Payment history
0.035 0.002 New credit
0.034 0.000 Payment history
0.033 0.000 Payment history
0.033 0.001 New credit
0.032 0.000 Payment history
0.032 0.016 Length of credit history
0.031 0.000 Types of credit in use
0.030 0.000 Payment history
0.030 0.000 Types of credit in use
0.029 0.000 Payment history
0.029 0.002 New credit
0.029 0.000 Payment history
0.028 0.001 Types of credit in use
0.028 0.002 Types of credit in use
0.028 0.006 New credit
0.027 0.000 New credit
0.027 0.000 New credit
0.026 0.000 Payment history
0.025 0.000 Payment history
0.025 0.002 Types of credit in use
0.024 0.002 Amounts owed
0.023 0.000 New credit
0.023 0.000 Length of credit history
0.023 0.000 Amounts owed
0.023 0.000 New credit
0.022 0.000 Payment history
0.022 0.000 Amounts owed
0.022 0.005 New credit
0.021 0.000 Payment history
0.020 0.000 Types of credit in use
0.020 0.001 Types of credit in use
0.020 0.000 New credit
0.020 0.000 Amounts owed
0.020 0.003 Length of credit history
0.019 0.000 Length of credit history
0.019 0.000 Payment history
0.019 0.000 Types of credit in use
0.019 0.000 New credit
0.018 0.001 Amounts owed
0.018 0.000 Types of credit in use
0.018 0.000 Payment history
0.018 0.000 Types of credit in use
0.017 0.000 Amounts owed
0.016 0.002 Amounts owed
0.015 0.000 New credit
0.015 0.002 Amounts owed
0.015 0.000 Amounts owed
0.014 0.001 Amounts owed
0.014 0.002 Amounts owed
0.013 0.001 Amounts owed
0.013 0.000 New credit
0.012 0.002 New credit
0.012 0.000 Types of credit in use
0.012 0.002 New credit
0.012 0.000 Payment history
0.012 0.000 Payment history
0.012 0.000 Types of credit in use
0.011 0.003 New credit
0.011 0.000 New credit
0.011 0.003 New credit
0.010 0.003 New credit
0.010 0.002 New credit
0.010 0.000 Payment history
0.010 0.001 Types of credit in use
0.010 0.000 New credit
0.010 0.000 Payment history
0.010 0.000 New credit
0.009 0.001 New credit
0.009 0.002 New credit
0.008 0.000 Amounts owed
0.008 0.002 Length of credit history
0.008 0.001 Types of credit in use
0.008 0.001 Types of credit in use
0.008 0.000 Payment history
0.007 0.000 New credit
0.007 0.001 Types of credit in use
0.007 0.000 Amounts owed
0.007 0.000 Payment history
0.007 0.001 New credit
0.007 0.001 New credit
0.007 0.006 Length of credit history
0.007 0.000 New credit
0.007 0.001 Types of credit in use
0.006 0.001 Payment history
0.006 0.000 Payment history
0.006 0.001 New credit
0.006 0.000 Payment history
0.006 0.000 Types of credit in use
0.006 0.001 Types of credit in use
0.006 0.001 New credit
0.006 0.000 Amounts owed
0.006 0.001 New credit
0.005 0.000 New credit
0.005 0.000 Amounts owed
0.005 0.000 Payment history
0.005 0.000 Payment history
0.005 0.002 New credit
0.005 0.001 New credit
0.005 0.000 Amounts owed
0.005 0.000 Amounts owed
0.005 0.000 New credit
0.005 0.000 Amounts owed
0.005 0.000 Amounts owed
0.005 0.003 New credit
0.005 0.000 Payment history
0.005 0.000 Payment history
0.004 0.001 Payment history
0.004 0.000 Amounts owed
0.004 0.001 New credit
0.004 0.000 Types of credit in use
0.004 0.000 Types of credit in use
0.004 0.000 Types of credit in use
0.004 0.000 Types of credit in use
0.004 0.000 Amounts owed
0.004 0.000 Types of credit in use
0.004 0.001 New credit
0.004 0.001 New credit
0.004 0.001 Length of credit history
0.004 0.001 New credit
0.003 0.000 Amounts owed
0.003 0.002 New credit
0.003 0.000 Amounts owed
0.003 0.000 Payment history
0.003 0.000 New credit
0.003 0.001 New credit
0.003 0.000 New credit
0.003 0.000 Amounts owed
0.003 0.000 Amounts owed
0.002 0.001 New credit
0.002 0.004 New credit
0.002 0.003 New credit
0.002 0.001 New credit
0.002 0.001 Types of credit in use
0.002 0.000 Amounts owed
0.002 0.001 New credit
0.002 0.000 Payment history
0.002 0.000 New credit
0.002 0.000 New credit
0.001 0.000 Types of credit in use
0.001 0.005 Types of credit in use
0.001 0.002 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.001 Payment history
0.000 0.005 New credit
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.000 Types of credit in use
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.000 Types of credit in use
0.000 0.000 Types of credit in use
0.000 0.000 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Recent immigrant
Correlation
with performance
Correlation with
recent immigrant
Type of characteristic
0.440 0.001 Payment history
0.431 0.001 Payment history
0.418 0.001 Payment history
0.399 0.001 Payment history
0.369 0.001 Payment history
0.307 0.000 Amounts owed
0.299 0.001 Payment history
0.295 0.001 Payment history
0.288 0.000 Payment history
0.267 0.000 Payment history
0.261 0.000 Payment history
0.261 0.000 Payment history
0.261 0.000 Amounts owed
0.260 0.000 Amounts owed
0.253 0.000 Payment history
0.249 0.000 Amounts owed
0.249 0.000 Amounts owed
0.244 0.000 Payment history
0.234 0.000 Payment history
0.224 0.000 Payment history
0.213 0.000 Payment history
0.207 0.000 Amounts owed
0.206 0.000 Payment history
0.198 0.000 Payment history
0.196 0.000 Payment history
0.190 0.000 Payment history
0.187 0.002 Amounts owed
0.185 0.000 Payment history
0.183 0.007 Length of credit history
0.179 0.004 New credit
0.178 0.002 Types of credit in use
0.169 0.000 Amounts owed
0.168 0.000 Payment history
0.162 0.000 Payment history
0.161 0.001 Payment history
0.160 0.000 Payment history
0.149 0.000 Payment history
0.140 0.000 Amounts owed
0.138 0.001 Payment history
0.135 0.000 Payment history
0.134 0.003 New credit
0.132 0.000 Payment history
0.129 0.000 Payment history
0.128 0.000 Amounts owed
0.127 0.000 Amounts owed
0.125 0.001 Payment history
0.122 0.000 Payment history
0.116 0.000 Payment history
0.112 0.001 Amounts owed
0.111 0.000 Payment history
0.107 0.019 Length of credit history
0.105 0.002 Payment history
0.105 0.000 Amounts owed
0.104 0.001 Payment history
0.104 0.015 Length of credit history
0.102 0.002 New credit
0.102 0.001 New credit
0.102 0.001 New credit
0.101 0.001 New credit
0.101 0.001 New credit
0.095 0.000 Payment history
0.090 0.020 Length of credit history
0.088 0.000 Payment history
0.087 0.000 Payment history
0.087 0.001 Payment history
0.087 0.000 Payment history
0.086 0.001 Payment history
0.086 0.000 Payment history
0.086 0.002 Payment history
0.085 0.000 Payment history
0.085 0.002 Payment history
0.085 0.000 Payment history
0.085 0.001 Payment history
0.085 0.000 Payment history
0.083 0.000 Payment history
0.083 0.000 Types of credit in use
0.082 0.000 Payment history
0.082 0.000 Payment history
0.079 0.000 Types of credit in use
0.079 0.000 Types of credit in use
0.078 0.000 Payment history
0.078 0.000 Types of credit in use
0.078 0.000 Payment history
0.078 0.000 Types of credit in use
0.078 0.000 Payment history
0.077 0.000 Types of credit in use
0.076 0.000 Payment history
0.076 0.000 Amounts owed
0.076 0.000 Amounts owed
0.075 0.000 Payment history
0.074 0.002 New credit
0.072 0.003 Payment history
0.071 0.001 Amounts owed
0.069 0.015 Length of credit history
0.066 0.000 Types of credit in use
0.066 0.000 Types of credit in use
0.065 0.000 Types of credit in use
0.065 0.000 Types of credit in use
0.064 0.000 Types of credit in use
0.063 0.001 Amounts owed
0.062 0.000 Amounts owed
0.062 0.000 Payment history
0.062 0.000 Payment history
0.061 0.001 Types of credit in use
0.059 0.000 Payment history
0.059 0.000 Payment history
0.058 0.000 Types of credit in use
0.058 0.000 Types of credit in use
0.057 0.003 Payment history
0.056 0.000 Payment history
0.056 0.000 Types of credit in use
0.056 0.000 Types of credit in use
0.055 0.000 Types of credit in use
0.054 0.000 New credit
0.054 0.000 Payment history
0.054 0.001 Amounts owed
0.053 0.001 Payment history
0.051 0.000 Payment history
0.050 0.002 New credit
0.049 0.011 Length of credit history
0.049 0.003 Payment history
0.048 0.001 Payment history
0.048 0.000 Payment history
0.047 0.001 Amounts owed
0.045 0.000 Payment history
0.045 0.000 Payment history
0.045 0.001 Payment history
0.044 0.003 Payment history
0.043 0.000 Types of credit in use
0.042 0.000 Types of credit in use
0.042 0.000 Types of credit in use
0.041 0.000 Types of credit in use
0.041 0.000 Types of credit in use
0.041 0.000 Payment history
0.039 0.000 Payment history
0.038 0.000 Types of credit in use
0.038 0.000 Types of credit in use
0.038 0.000 Types of credit in use
0.037 0.000 Types of credit in use
0.037 0.006 Length of credit history
0.036 0.000 Types of credit in use
0.036 0.000 Types of credit in use
0.035 0.000 Payment history
0.035 0.000 Amounts owed
0.035 0.000 Payment history
0.035 0.001 New credit
0.034 0.000 Payment history
0.033 0.000 Payment history
0.033 0.003 New credit
0.032 0.000 Payment history
0.032 0.026 Length of credit history
0.031 0.000 Types of credit in use
0.030 0.000 Payment history
0.030 0.002 Types of credit in use
0.029 0.000 Payment history
0.029 0.001 New credit
0.029 0.001 Payment history
0.028 0.001 Types of credit in use
0.028 0.002 Types of credit in use
0.028 0.004 New credit
0.027 0.000 New credit
0.027 0.000 New credit
0.026 0.000 Payment history
0.025 0.000 Payment history
0.025 0.000 Types of credit in use
0.024 0.001 Amounts owed
0.023 0.000 New credit
0.023 0.000 Length of credit history
0.023 0.001 Amounts owed
0.023 0.000 New credit
0.022 0.000 Payment history
0.022 0.000 Amounts owed
0.022 0.003 New credit
0.021 0.000 Payment history
0.020 0.001 Types of credit in use
0.020 0.000 Types of credit in use
0.020 0.000 New credit
0.020 0.000 Amounts owed
0.020 0.006 Length of credit history
0.019 0.000 Length of credit history
0.019 0.000 Payment history
0.019 0.003 Types of credit in use
0.019 0.000 New credit
0.018 0.000 Amounts owed
0.018 0.000 Types of credit in use
0.018 0.000 Payment history
0.018 0.000 Types of credit in use
0.017 0.000 Amounts owed
0.016 0.000 Amounts owed
0.015 0.000 New credit
0.015 0.000 Amounts owed
0.015 0.000 Amounts owed
0.014 0.000 Amounts owed
0.014 0.000 Amounts owed
0.013 0.000 Amounts owed
0.013 0.000 New credit
0.012 0.003 New credit
0.012 0.003 Types of credit in use
0.012 0.002 New credit
0.012 0.000 Payment history
0.012 0.003 Payment history
0.012 0.003 Types of credit in use
0.011 0.002 New credit
0.011 0.000 New credit
0.011 0.003 New credit
0.010 0.003 New credit
0.010 0.001 New credit
0.010 0.000 Payment history
0.010 0.002 Types of credit in use
0.010 0.000 New credit
0.010 0.000 Payment history
0.010 0.000 New credit
0.009 0.000 New credit
0.009 0.002 New credit
0.008 0.001 Amounts owed
0.008 0.001 Length of credit history
0.008 0.001 Types of credit in use
0.008 0.001 Types of credit in use
0.008 0.000 Payment history
0.007 0.002 New credit
0.007 0.001 Types of credit in use
0.007 0.000 Amounts owed
0.007 0.000 Payment history
0.007 0.000 New credit
0.007 0.001 New credit
0.007 0.006 Length of credit history
0.007 0.000 New credit
0.007 0.001 Types of credit in use
0.006 0.001 Payment history
0.006 0.000 Payment history
0.006 0.001 New credit
0.006 0.000 Payment history
0.006 0.000 Types of credit in use
0.006 0.001 Types of credit in use
0.006 0.001 New credit
0.006 0.000 Amounts owed
0.006 0.001 New credit
0.005 0.000 New credit
0.005 0.000 Amounts owed
0.005 0.000 Payment history
0.005 0.000 Payment history
0.005 0.002 New credit
0.005 0.001 New credit
0.005 0.000 Amounts owed
0.005 0.000 Amounts owed
0.005 0.000 New credit
0.005 0.000 Amounts owed
0.005 0.000 Amounts owed
0.005 0.003 New credit
0.005 0.000 Payment history
0.005 0.001 Payment history
0.004 0.000 Payment history
0.004 0.000 Amounts owed
0.004 0.000 New credit
0.004 0.000 Types of credit in use
0.004 0.000 Types of credit in use
0.004 0.000 Types of credit in use
0.004 0.000 Types of credit in use
0.004 0.000 Amounts owed
0.004 0.000 Types of credit in use
0.004 0.001 New credit
0.004 0.001 New credit
0.004 0.001 Length of credit history
0.004 0.001 New credit
0.003 0.000 Amounts owed
0.003 0.002 New credit
0.003 0.000 Amounts owed
0.003 0.000 Payment history
0.003 0.000 New credit
0.003 0.001 New credit
0.003 0.000 New credit
0.003 0.000 Amounts owed
0.003 0.000 Amounts owed
0.002 0.000 New credit
0.002 0.004 New credit
0.002 0.001 New credit
0.002 0.000 New credit
0.002 0.001 Types of credit in use
0.002 0.000 Amounts owed
0.002 0.000 New credit
0.002 0.000 Payment history
0.002 0.000 New credit
0.002 0.000 New credit
0.001 0.000 Types of credit in use
0.001 0.003 Types of credit in use
0.001 0.002 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.001 Payment history
0.000 0.005 New credit
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.000 Types of credit in use
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.000 Types of credit in use
0.000 0.000 Types of credit in use
0.000 0.000 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Female
Correlation
with performance
Correlation
with female
Type of characteristic
0.440 0.000 Payment history
0.431 0.000 Payment history
0.418 0.000 Payment history
0.399 0.000 Payment history
0.369 0.000 Payment history
0.307 0.002 Amounts owed
0.299 0.000 Payment history
0.295 0.000 Payment history
0.288 0.000 Payment history
0.267 0.000 Payment history
0.261 0.000 Payment history
0.261 0.000 Payment history
0.261 0.001 Amounts owed
0.260 0.001 Amounts owed
0.253 0.000 Payment history
0.249 0.001 Amounts owed
0.249 0.001 Amounts owed
0.244 0.000 Payment history
0.234 0.000 Payment history
0.224 0.000 Payment history
0.213 0.000 Payment history
0.207 0.005 Amounts owed
0.206 0.000 Payment history
0.198 0.000 Payment history
0.196 0.000 Payment history
0.190 0.000 Payment history
0.187 0.000 Amounts owed
0.185 0.000 Payment history
0.183 0.000 Length of credit history
0.179 0.000 New credit
0.178 0.001 Types of credit in use
0.169 0.003 Amounts owed
0.168 0.000 Payment history
0.162 0.000 Payment history
0.161 0.000 Payment history
0.160 0.000 Payment history
0.149 0.000 Payment history
0.140 0.001 Amounts owed
0.138 0.000 Payment history
0.135 0.000 Payment history
0.134 0.000 New credit
0.132 0.000 Payment history
0.129 0.010 Payment history
0.128 0.031 Amounts owed
0.127 0.035 Amounts owed
0.125 0.000 Payment history
0.122 0.000 Payment history
0.116 0.000 Payment history
0.112 0.000 Amounts owed
0.111 0.000 Payment history
0.107 0.001 Length of credit history
0.105 0.000 Payment history
0.105 0.004 Amounts owed
0.104 0.001 Payment history
0.104 0.001 Length of credit history
0.102 0.000 New credit
0.102 0.000 New credit
0.102 0.000 New credit
0.101 0.000 New credit
0.101 0.000 New credit
0.095 0.012 Payment history
0.090 0.000 Length of credit history
0.088 0.000 Payment history
0.087 0.006 Payment history
0.087 0.006 Payment history
0.087 0.000 Payment history
0.086 0.007 Payment history
0.086 0.000 Payment history
0.086 0.007 Payment history
0.085 0.000 Payment history
0.085 0.007 Payment history
0.085 0.000 Payment history
0.085 0.007 Payment history
0.085 0.000 Payment history
0.083 0.000 Payment history
0.083 0.013 Types of credit in use
0.082 0.000 Payment history
0.082 0.000 Payment history
0.079 0.010 Types of credit in use
0.079 0.010 Types of credit in use
0.078 0.000 Payment history
0.078 0.009 Types of credit in use
0.078 0.000 Payment history
0.078 0.009 Types of credit in use
0.078 0.000 Payment history
0.077 0.008 Types of credit in use
0.076 0.000 Payment history
0.076 0.031 Amounts owed
0.076 0.026 Amounts owed
0.075 0.000 Payment history
0.074 0.002 New credit
0.072 0.000 Payment history
0.071 0.000 Amounts owed
0.069 0.000 Length of credit history
0.066 0.000 Types of credit in use
0.066 0.000 Types of credit in use
0.065 0.000 Types of credit in use
0.065 0.000 Types of credit in use
0.064 0.000 Types of credit in use
0.063 0.000 Amounts owed
0.062 0.001 Amounts owed
0.062 0.001 Payment history
0.062 0.000 Payment history
0.061 0.007 Types of credit in use
0.059 0.000 Payment history
0.059 0.000 Payment history
0.058 0.003 Types of credit in use
0.058 0.004 Types of credit in use
0.057 0.000 Payment history
0.056 0.000 Payment history
0.056 0.005 Types of credit in use
0.056 0.005 Types of credit in use
0.055 0.004 Types of credit in use
0.054 0.001 New credit
0.054 0.047 Payment history
0.054 0.010 Amounts owed
0.053 0.002 Payment history
0.051 0.000 Payment history
0.050 0.001 New credit
0.049 0.029 Length of credit history
0.049 0.000 Payment history
0.048 0.071 Payment history
0.048 0.000 Payment history
0.047 0.022 Amounts owed
0.045 0.000 Payment history
0.045 0.000 Payment history
0.045 0.000 Payment history
0.044 0.001 Payment history
0.043 0.047 Types of credit in use
0.042 0.046 Types of credit in use
0.042 0.045 Types of credit in use
0.041 0.045 Types of credit in use
0.041 0.045 Types of credit in use
0.041 0.000 Payment history
0.039 0.000 Payment history
0.038 0.001 Types of credit in use
0.038 0.066 Types of credit in use
0.038 0.064 Types of credit in use
0.037 0.061 Types of credit in use
0.037 0.001 Length of credit history
0.036 0.058 Types of credit in use
0.036 0.055 Types of credit in use
0.035 0.000 Payment history
0.035 0.002 Amounts owed
0.035 0.000 Payment history
0.035 0.002 New credit
0.034 0.000 Payment history
0.033 0.000 Payment history
0.033 0.001 New credit
0.032 0.000 Payment history
0.032 0.001 Length of credit history
0.031 0.001 Types of credit in use
0.030 0.000 Payment history
0.030 0.001 Types of credit in use
0.029 0.000 Payment history
0.029 0.002 New credit
0.029 0.000 Payment history
0.028 0.000 Types of credit in use
0.028 0.004 Types of credit in use
0.028 0.049 New credit
0.027 0.000 New credit
0.027 0.000 New credit
0.026 0.001 Payment history
0.025 0.000 Payment history
0.025 0.000 Types of credit in use
0.024 0.001 Amounts owed
0.023 0.000 New credit
0.023 0.001 Length of credit history
0.023 0.001 Amounts owed
0.023 0.000 New credit
0.022 0.000 Payment history
0.022 0.001 Amounts owed
0.022 0.059 New credit
0.021 0.000 Payment history
0.020 0.084 Types of credit in use
0.020 0.000 Types of credit in use
0.020 0.000 New credit
0.020 0.001 Amounts owed
0.020 0.003 Length of credit history
0.019 0.000 Length of credit history
0.019 0.002 Payment history
0.019 0.003 Types of credit in use
0.019 0.000 New credit
0.018 0.000 Amounts owed
0.018 0.003 Types of credit in use
0.018 0.002 Payment history
0.018 0.001 Types of credit in use
0.017 0.001 Amounts owed
0.016 0.001 Amounts owed
0.015 0.001 New credit
0.015 0.001 Amounts owed
0.015 0.001 Amounts owed
0.014 0.001 Amounts owed
0.014 0.001 Amounts owed
0.013 0.003 Amounts owed
0.013 0.001 New credit
0.012 0.005 New credit
0.012 0.001 Types of credit in use
0.012 0.033 New credit
0.012 0.000 Payment history
0.012 0.001 Payment history
0.012 0.001 Types of credit in use
0.011 0.041 New credit
0.011 0.000 New credit
0.011 0.018 New credit
0.010 0.024 New credit
0.010 0.026 New credit
0.010 0.000 Payment history
0.010 0.005 Types of credit in use
0.010 0.001 New credit
0.010 0.000 Payment history
0.010 0.000 New credit
0.009 0.002 New credit
0.009 0.014 New credit
0.008 0.001 Amounts owed
0.008 0.002 Length of credit history
0.008 0.001 Types of credit in use
0.008 0.001 Types of credit in use
0.008 0.000 Payment history
0.007 0.003 New credit
0.007 0.001 Types of credit in use
0.007 0.000 Amounts owed
0.007 0.002 Payment history
0.007 0.002 New credit
0.007 0.000 New credit
0.007 0.004 Length of credit history
0.007 0.000 New credit
0.007 0.002 Types of credit in use
0.006 0.001 Payment history
0.006 0.003 Payment history
0.006 0.011 New credit
0.006 0.000 Payment history
0.006 0.002 Types of credit in use
0.006 0.002 Types of credit in use
0.006 0.000 New credit
0.006 0.000 Amounts owed
0.006 0.001 New credit
0.005 0.000 New credit
0.005 0.000 Amounts owed
0.005 0.000 Payment history
0.005 0.000 Payment history
0.005 0.000 New credit
0.005 0.007 New credit
0.005 0.000 Amounts owed
0.005 0.001 Amounts owed
0.005 0.000 New credit
0.005 0.000 Amounts owed
0.005 0.002 Amounts owed
0.005 0.000 New credit
0.005 0.002 Payment history
0.005 0.001 Payment history
0.004 0.002 Payment history
0.004 0.000 Amounts owed
0.004 0.001 New credit
0.004 0.002 Types of credit in use
0.004 0.002 Types of credit in use
0.004 0.002 Types of credit in use
0.004 0.002 Types of credit in use
0.004 0.001 Amounts owed
0.004 0.002 Types of credit in use
0.004 0.008 New credit
0.004 0.000 New credit
0.004 0.003 Length of credit history
0.004 0.004 New credit
0.003 0.000 Amounts owed
0.003 0.000 New credit
0.003 0.005 Amounts owed
0.003 0.000 Payment history
0.003 0.001 New credit
0.003 0.005 New credit
0.003 0.000 New credit
0.003 0.004 Amounts owed
0.003 0.001 Amounts owed
0.002 0.002 New credit
0.002 0.000 New credit
0.002 0.001 New credit
0.002 0.001 New credit
0.002 0.001 Types of credit in use
0.002 0.001 Amounts owed
0.002 0.002 New credit
0.002 0.000 Payment history
0.002 0.001 New credit
0.002 0.001 New credit
0.001 0.000 Types of credit in use
0.001 0.007 Types of credit in use
0.001 0.001 New credit
0.001 0.001 New credit
0.001 0.001 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.002 Payment history
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.002 Amounts owed
0.000 0.004 Types of credit in use
0.000 0.001 Amounts owed
0.000 0.000 Payment history
0.000 0.000 New credit
0.000 0.033 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.024 Types of credit in use
0.000 0.000 Types of credit in use
0.000 0.000 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Rural
Correlation
with performance
Correlation
    with rural      
Type of characteristic
0.440 0.000 Payment history
0.431 0.000 Payment history
0.418 0.000 Payment history
0.399 0.000 Payment history
0.369 0.000 Payment history
0.307 0.002 Amounts owed
0.299 0.000 Payment history
0.295 0.000 Payment history
0.288 0.000 Payment history
0.267 0.000 Payment history
0.261 0.000 Payment history
0.261 0.000 Payment history
0.261 0.001 Amounts owed
0.260 0.000 Amounts owed
0.253 0.000 Payment history
0.249 0.001 Amounts owed
0.249 0.001 Amounts owed
0.244 0.000 Payment history
0.234 0.000 Payment history
0.224 0.000 Payment history
0.213 0.000 Payment history
0.207 0.001 Amounts owed
0.206 0.000 Payment history
0.198 0.000 Payment history
0.196 0.000 Payment history
0.190 0.000 Payment history
0.187 0.001 Amounts owed
0.185 0.000 Payment history
0.183 0.001 Length of credit history
0.179 0.001 New credit
0.178 0.002 Types of credit in use
0.169 0.002 Amounts owed
0.168 0.000 Payment history
0.162 0.000 Payment history
0.161 0.000 Payment history
0.160 0.000 Payment history
0.149 0.000 Payment history
0.140 0.001 Amounts owed
0.138 0.000 Payment history
0.135 0.000 Payment history
0.134 0.001 New credit
0.132 0.000 Payment history
0.129 0.000 Payment history
0.128 0.002 Amounts owed
0.127 0.002 Amounts owed
0.125 0.000 Payment history
0.122 0.000 Payment history
0.116 0.000 Payment history
0.112 0.001 Amounts owed
0.111 0.000 Payment history
0.107 0.002 Length of credit history
0.105 0.001 Payment history
0.105 0.003 Amounts owed
0.104 0.000 Payment history
0.104 0.001 Length of credit history
0.102 0.001 New credit
0.102 0.001 New credit
0.102 0.001 New credit
0.101 0.001 New credit
0.101 0.001 New credit
0.095 0.004 Payment history
0.090 0.001 Length of credit history
0.088 0.002 Payment history
0.087 0.003 Payment history
0.087 0.003 Payment history
0.087 0.000 Payment history
0.086 0.003 Payment history
0.086 0.000 Payment history
0.086 0.004 Payment history
0.085 0.000 Payment history
0.085 0.004 Payment history
0.085 0.000 Payment history
0.085 0.004 Payment history
0.085 0.000 Payment history
0.083 0.002 Payment history
0.083 0.004 Types of credit in use
0.082 0.001 Payment history
0.082 0.000 Payment history
0.079 0.004 Types of credit in use
0.079 0.004 Types of credit in use
0.078 0.000 Payment history
0.078 0.004 Types of credit in use
0.078 0.000 Payment history
0.078 0.004 Types of credit in use
0.078 0.000 Payment history
0.077 0.004 Types of credit in use
0.076 0.000 Payment history
0.076 0.002 Amounts owed
0.076 0.002 Amounts owed
0.075 0.000 Payment history
0.074 0.002 New credit
0.072 0.001 Payment history
0.071 0.003 Amounts owed
0.069 0.001 Length of credit history
0.066 0.001 Types of credit in use
0.066 0.001 Types of credit in use
0.065 0.001 Types of credit in use
0.065 0.001 Types of credit in use
0.064 0.001 Types of credit in use
0.063 0.002 Amounts owed
0.062 0.000 Amounts owed
0.062 0.000 Payment history
0.062 0.000 Payment history
0.061 0.004 Types of credit in use
0.059 0.000 Payment history
0.059 0.000 Payment history
0.058 0.003 Types of credit in use
0.058 0.003 Types of credit in use
0.057 0.001 Payment history
0.056 0.000 Payment history
0.056 0.003 Types of credit in use
0.056 0.003 Types of credit in use
0.055 0.003 Types of credit in use
0.054 0.000 New credit
0.054 0.004 Payment history
0.054 0.001 Amounts owed
0.053 0.000 Payment history
0.051 0.000 Payment history
0.050 0.002 New credit
0.049 0.003 Length of credit history
0.049 0.001 Payment history
0.048 0.005 Payment history
0.048 0.000 Payment history
0.047 0.002 Amounts owed
0.045 0.000 Payment history
0.045 0.000 Payment history
0.045 0.000 Payment history
0.044 0.001 Payment history
0.043 0.004 Types of credit in use
0.042 0.005 Types of credit in use
0.042 0.005 Types of credit in use
0.041 0.005 Types of credit in use
0.041 0.005 Types of credit in use
0.041 0.000 Payment history
0.039 0.000 Payment history
0.038 0.001 Types of credit in use
0.038 0.004 Types of credit in use
0.038 0.004 Types of credit in use
0.037 0.004 Types of credit in use
0.037 0.003 Length of credit history
0.036 0.004 Types of credit in use
0.036 0.004 Types of credit in use
0.035 0.000 Payment history
0.035 0.006 Amounts owed
0.035 0.000 Payment history
0.035 0.002 New credit
0.034 0.000 Payment history
0.033 0.000 Payment history
0.033 0.002 New credit
0.032 0.000 Payment history
0.032 0.000 Length of credit history
0.031 0.000 Types of credit in use
0.030 0.000 Payment history
0.030 0.004 Types of credit in use
0.029 0.000 Payment history
0.029 0.002 New credit
0.029 0.000 Payment history
0.028 0.003 Types of credit in use
0.028 0.002 Types of credit in use
0.028 0.003 New credit
0.027 0.001 New credit
0.027 0.001 New credit
0.026 0.002 Payment history
0.025 0.000 Payment history
0.025 0.003 Types of credit in use
0.024 0.007 Amounts owed
0.023 0.001 New credit
0.023 0.002 Length of credit history
0.023 0.003 Amounts owed
0.023 0.001 New credit
0.022 0.000 Payment history
0.022 0.001 Amounts owed
0.022 0.003 New credit
0.021 0.000 Payment history
0.020 0.007 Types of credit in use
0.020 0.002 Types of credit in use
0.020 0.001 New credit
0.020 0.000 Amounts owed
0.020 0.003 Length of credit history
0.019 0.000 Length of credit history
0.019 0.001 Payment history
0.019 0.004 Types of credit in use
0.019 0.001 New credit
0.018 0.002 Amounts owed
0.018 0.000 Types of credit in use
0.018 0.001 Payment history
0.018 0.002 Types of credit in use
0.017 0.002 Amounts owed
0.016 0.007 Amounts owed
0.015 0.001 New credit
0.015 0.006 Amounts owed
0.015 0.001 Amounts owed
0.014 0.006 Amounts owed
0.014 0.006 Amounts owed
0.013 0.001 Amounts owed
0.013 0.001 New credit
0.012 0.003 New credit
0.012 0.001 Types of credit in use
0.012 0.001 New credit
0.012 0.000 Payment history
0.012 0.001 Payment history
0.012 0.001 Types of credit in use
0.011 0.001 New credit
0.011 0.000 New credit
0.011 0.001 New credit
0.010 0.001 New credit
0.010 0.001 New credit
0.010 0.000 Payment history
0.010 0.002 Types of credit in use
0.010 0.001 New credit
0.010 0.000 Payment history
0.010 0.000 New credit
0.009 0.005 New credit
0.009 0.000 New credit
0.008 0.000 Amounts owed
0.008 0.001 Length of credit history
0.008 0.001 Types of credit in use
0.008 0.001 Types of credit in use
0.008 0.000 Payment history
0.007 0.000 New credit
0.007 0.001 Types of credit in use
0.007 0.000 Amounts owed
0.007 0.000 Payment history
0.007 0.004 New credit
0.007 0.000 New credit
0.007 0.008 Length of credit history
0.007 0.000 New credit
0.007 0.002 Types of credit in use
0.006 0.000 Payment history
0.006 0.000 Payment history
0.006 0.000 New credit
0.006 0.000 Payment history
0.006 0.001 Types of credit in use
0.006 0.002 Types of credit in use
0.006 0.000 New credit
0.006 0.001 Amounts owed
0.006 0.000 New credit
0.005 0.001 New credit
0.005 0.001 Amounts owed
0.005 0.000 Payment history
0.005 0.000 Payment history
0.005 0.000 New credit
0.005 0.000 New credit
0.005 0.001 Amounts owed
0.005 0.003 Amounts owed
0.005 0.000 New credit
0.005 0.001 Amounts owed
0.005 0.001 Amounts owed
0.005 0.001 New credit
0.005 0.001 Payment history
0.005 0.000 Payment history
0.004 0.006 Payment history
0.004 0.000 Amounts owed
0.004 0.004 New credit
0.004 0.001 Types of credit in use
0.004 0.001 Types of credit in use
0.004 0.001 Types of credit in use
0.004 0.001 Types of credit in use
0.004 0.001 Amounts owed
0.004 0.001 Types of credit in use
0.004 0.000 New credit
0.004 0.000 New credit
0.004 0.002 Length of credit history
0.004 0.002 New credit
0.003 0.002 Amounts owed
0.003 0.000 New credit
0.003 0.000 Amounts owed
0.003 0.000 Payment history
0.003 0.000 New credit
0.003 0.000 New credit
0.003 0.000 New credit
0.003 0.000 Amounts owed
0.003 0.000 Amounts owed
0.002 0.007 New credit
0.002 0.001 New credit
0.002 0.000 New credit
0.002 0.005 New credit
0.002 0.000 Types of credit in use
0.002 0.000 Amounts owed
0.002 0.008 New credit
0.002 0.000 Payment history
0.002 0.002 New credit
0.002 0.003 New credit
0.001 0.000 Types of credit in use
0.001 0.022 Types of credit in use
0.001 0.000 New credit
0.001 0.002 New credit
0.001 0.001 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.001 Payment history
0.000 0.001 New credit
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.001 Types of credit in use
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.000 New credit
0.000 0.001 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.001 Types of credit in use
0.000 0.000 Types of credit in use
0.000 0.001 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history

Return to figure


Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Single male
Correlation
with performance
Correlation
with single male
Type of characteristic
0.440 0.034 Payment history
0.431 0.024 Payment history
0.418 0.025 Payment history
0.399 0.027 Payment history
0.369 0.016 Payment history
0.307 0.028 Amounts owed
0.299 0.018 Payment history
0.295 0.008 Payment history
0.288 0.013 Payment history
0.267 0.015 Payment history
0.261 0.010 Payment history
0.261 0.006 Payment history
0.261 0.026 Amounts owed
0.260 0.026 Amounts owed
0.253 0.015 Payment history
0.249 0.026 Amounts owed
0.249 0.025 Amounts owed
0.244 0.005 Payment history
0.234 0.008 Payment history
0.224 0.004 Payment history
0.213 0.007 Payment history
0.207 0.020 Amounts owed
0.206 0.009 Payment history
0.198 0.013 Payment history
0.196 0.003 Payment history
0.190 0.006 Payment history
0.187 0.036 Amounts owed
0.185 0.007 Payment history
0.183 0.047 Length of credit history
0.179 0.039 New credit
0.178 0.030 Types of credit in use
0.169 0.022 Amounts owed
0.168 0.002 Payment history
0.162 0.006 Payment history
0.161 0.001 Payment history
0.160 0.004 Payment history
0.149 0.003 Payment history
0.140 0.020 Amounts owed
0.138 0.000 Payment history
0.135 0.004 Payment history
0.134 0.021 New credit
0.132 0.004 Payment history
0.129 0.002 Payment history
0.128 0.014 Amounts owed
0.127 0.014 Amounts owed
0.125 0.000 Payment history
0.122 0.003 Payment history
0.116 0.001 Payment history
0.112 0.024 Amounts owed
0.111 0.004 Payment history
0.107 0.052 Length of credit history
0.105 0.027 Payment history
0.105 0.019 Amounts owed
0.104 0.004 Payment history
0.104 0.047 Length of credit history
0.102 0.026 New credit
0.102 0.026 New credit
0.102 0.026 New credit
0.101 0.025 New credit
0.101 0.025 New credit
0.095 0.026 Payment history
0.090 0.051 Length of credit history
0.088 0.017 Payment history
0.087 0.030 Payment history
0.087 0.030 Payment history
0.087 0.004 Payment history
0.086 0.030 Payment history
0.086 0.001 Payment history
0.086 0.033 Payment history
0.085 0.001 Payment history
0.085 0.032 Payment history
0.085 0.000 Payment history
0.085 0.031 Payment history
0.085 0.000 Payment history
0.083 0.014 Payment history
0.083 0.025 Types of credit in use
0.082 0.016 Payment history
0.082 0.000 Payment history
0.079 0.021 Types of credit in use
0.079 0.021 Types of credit in use
0.078 0.001 Payment history
0.078 0.021 Types of credit in use
0.078 0.001 Payment history
0.078 0.021 Types of credit in use
0.078 0.000 Payment history
0.077 0.021 Types of credit in use
0.076 0.000 Payment history
0.076 0.012 Amounts owed
0.076 0.013 Amounts owed
0.075 0.001 Payment history
0.074 0.003 New credit
0.072 0.034 Payment history
0.071 0.021 Amounts owed
0.069 0.022 Length of credit history
0.066 0.012 Types of credit in use
0.066 0.012 Types of credit in use
0.065 0.011 Types of credit in use
0.065 0.012 Types of credit in use
0.064 0.011 Types of credit in use
0.063 0.017 Amounts owed
0.062 0.004 Amounts owed
0.062 0.000 Payment history
0.062 0.003 Payment history
0.061 0.027 Types of credit in use
0.059 0.000 Payment history
0.059 0.000 Payment history
0.058 0.025 Types of credit in use
0.058 0.025 Types of credit in use
0.057 0.033 Payment history
0.056 0.002 Payment history
0.056 0.024 Types of credit in use
0.056 0.023 Types of credit in use
0.055 0.023 Types of credit in use
0.054 0.001 New credit
0.054 0.015 Payment history
0.054 0.017 Amounts owed
0.053 0.001 Payment history
0.051 0.001 Payment history
0.050 0.001 New credit
0.049 0.032 Length of credit history
0.049 0.033 Payment history
0.048 0.013 Payment history
0.048 0.001 Payment history
0.047 0.016 Amounts owed
0.045 0.001 Payment history
0.045 0.000 Payment history
0.045 0.001 Payment history
0.044 0.032 Payment history
0.043 0.012 Types of credit in use
0.042 0.012 Types of credit in use
0.042 0.012 Types of credit in use
0.041 0.012 Types of credit in use
0.041 0.012 Types of credit in use
0.041 0.001 Payment history
0.039 0.001 Payment history
0.038 0.000 Types of credit in use
0.038 0.011 Types of credit in use
0.038 0.011 Types of credit in use
0.037 0.011 Types of credit in use
0.037 0.047 Length of credit history
0.036 0.011 Types of credit in use
0.036 0.011 Types of credit in use
0.035 0.001 Payment history
0.035 0.017 Amounts owed
0.035 0.000 Payment history
0.035 0.001 New credit
0.034 0.000 Payment history
0.033 0.000 Payment history
0.033 0.040 New credit
0.032 0.000 Payment history
0.032 0.038 Length of credit history
0.031 0.001 Types of credit in use
0.030 0.000 Payment history
0.030 0.031 Types of credit in use
0.029 0.001 Payment history
0.029 0.001 New credit
0.029 0.000 Payment history
0.028 0.013 Types of credit in use
0.028 0.004 Types of credit in use
0.028 0.015 New credit
0.027 0.007 New credit
0.027 0.000 New credit
0.026 0.017 Payment history
0.025 0.001 Payment history
0.025 0.010 Types of credit in use
0.024 0.022 Amounts owed
0.023 0.006 New credit
0.023 0.022 Length of credit history
0.023 0.023 Amounts owed
0.023 0.000 New credit
0.022 0.000 Payment history
0.022 0.000 Amounts owed
0.022 0.013 New credit
0.021 0.000 Payment history
0.020 0.010 Types of credit in use
0.020 0.006 Types of credit in use
0.020 0.000 New credit
0.020 0.001 Amounts owed
0.020 0.028 Length of credit history
0.019 0.003 Length of credit history
0.019 0.015 Payment history
0.019 0.027 Types of credit in use
0.019 0.005 New credit
0.018 0.006 Amounts owed
0.018 0.003 Types of credit in use
0.018 0.013 Payment history
0.018 0.015 Types of credit in use
0.017 0.016 Amounts owed
0.016 0.008 Amounts owed
0.015 0.000 New credit
0.015 0.007 Amounts owed
0.015 0.010 Amounts owed
0.014 0.009 Amounts owed
0.014 0.006 Amounts owed
0.013 0.003 Amounts owed
0.013 0.000 New credit
0.012 0.004 New credit
0.012 0.025 Types of credit in use
0.012 0.000 New credit
0.012 0.000 Payment history
0.012 0.025 Payment history
0.012 0.025 Types of credit in use
0.011 0.000 New credit
0.011 0.003 New credit
0.011 0.000 New credit
0.010 0.000 New credit
0.010 0.000 New credit
0.010 0.000 Payment history
0.010 0.017 Types of credit in use
0.010 0.000 New credit
0.010 0.000 Payment history
0.010 0.000 New credit
0.009 0.001 New credit
0.009 0.000 New credit
0.008 0.005 Amounts owed
0.008 0.007 Length of credit history
0.008 0.001 Types of credit in use
0.008 0.001 Types of credit in use
0.008 0.000 Payment history
0.007 0.008 New credit
0.007 0.001 Types of credit in use
0.007 0.003 Amounts owed
0.007 0.000 Payment history
0.007 0.001 New credit
0.007 0.002 New credit
0.007 0.016 Length of credit history
0.007 0.002 New credit
0.007 0.003 Types of credit in use
0.006 0.006 Payment history
0.006 0.003 Payment history
0.006 0.000 New credit
0.006 0.000 Payment history
0.006 0.008 Types of credit in use
0.006 0.003 Types of credit in use
0.006 0.001 New credit
0.006 0.003 Amounts owed
0.006 0.002 New credit
0.005 0.000 New credit
0.005 0.003 Amounts owed
0.005 0.000 Payment history
0.005 0.000 Payment history
0.005 0.000 New credit
0.005 0.000 New credit
0.005 0.004 Amounts owed
0.005 0.003 Amounts owed
0.005 0.000 New credit
0.005 0.014 Amounts owed
0.005 0.001 Amounts owed
0.005 0.000 New credit
0.005 0.001 Payment history
0.005 0.006 Payment history
0.004 0.004 Payment history
0.004 0.003 Amounts owed
0.004 0.001 New credit
0.004 0.001 Types of credit in use
0.004 0.001 Types of credit in use
0.004 0.001 Types of credit in use
0.004 0.001 Types of credit in use
0.004 0.001 Amounts owed
0.004 0.001 Types of credit in use
0.004 0.000 New credit
0.004 0.000 New credit
0.004 0.001 Length of credit history
0.004 0.001 New credit
0.003 0.002 Amounts owed
0.003 0.002 New credit
0.003 0.001 Amounts owed
0.003 0.000 Payment history
0.003 0.001 New credit
0.003 0.000 New credit
0.003 0.000 New credit
0.003 0.001 Amounts owed
0.003 0.002 Amounts owed
0.002 0.002 New credit
0.002 0.000 New credit
0.002 0.002 New credit
0.002 0.002 New credit
0.002 0.006 Types of credit in use
0.002 0.005 Amounts owed
0.002 0.002 New credit
0.002 0.000 Payment history
0.002 0.000 New credit
0.002 0.001 New credit
0.001 0.003 Types of credit in use
0.001 0.008 Types of credit in use
0.001 0.002 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.003 Payment history
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.004 Amounts owed
0.000 0.011 Types of credit in use
0.000 0.003 Amounts owed
0.000 0.000 Payment history
0.000 0.000 New credit
0.000 0.003 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.004 Types of credit in use
0.000 0.000 Types of credit in use
0.000 0.002 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Married female
Correlation
with performance
Correlation with
married female
Type of characteristic
0.440 0.000 Payment history
0.431 0.000 Payment history
0.418 0.000 Payment history
0.399 0.000 Payment history
0.369 0.000 Payment history
0.307 0.002 Amounts owed
0.299 0.000 Payment history
0.295 0.000 Payment history
0.288 0.000 Payment history
0.267 0.000 Payment history
0.261 0.000 Payment history
0.261 0.000 Payment history
0.261 0.001 Amounts owed
0.260 0.001 Amounts owed
0.253 0.000 Payment history
0.249 0.001 Amounts owed
0.249 0.001 Amounts owed
0.244 0.000 Payment history
0.234 0.000 Payment history
0.224 0.000 Payment history
0.213 0.000 Payment history
0.207 0.006 Amounts owed
0.206 0.000 Payment history
0.198 0.000 Payment history
0.196 0.000 Payment history
0.190 0.000 Payment history
0.187 0.000 Amounts owed
0.185 0.000 Payment history
0.183 0.001 Length of credit history
0.179 0.000 New credit
0.178 0.002 Types of credit in use
0.169 0.003 Amounts owed
0.168 0.000 Payment history
0.162 0.000 Payment history
0.161 0.000 Payment history
0.160 0.000 Payment history
0.149 0.000 Payment history
0.140 0.001 Amounts owed
0.138 0.000 Payment history
0.135 0.000 Payment history
0.134 0.001 New credit
0.132 0.000 Payment history
0.129 0.008 Payment history
0.128 0.035 Amounts owed
0.127 0.039 Amounts owed
0.125 0.000 Payment history
0.122 0.000 Payment history
0.116 0.000 Payment history
0.112 0.000 Amounts owed
0.111 0.000 Payment history
0.107 0.002 Length of credit history
0.105 0.000 Payment history
0.105 0.003 Amounts owed
0.104 0.001 Payment history
0.104 0.002 Length of credit history
0.102 0.000 New credit
0.102 0.000 New credit
0.102 0.000 New credit
0.101 0.000 New credit
0.101 0.000 New credit
0.095 0.014 Payment history
0.090 0.001 Length of credit history
0.088 0.000 Payment history
0.087 0.007 Payment history
0.087 0.007 Payment history
0.087 0.000 Payment history
0.086 0.007 Payment history
0.086 0.000 Payment history
0.086 0.007 Payment history
0.085 0.000 Payment history
0.085 0.007 Payment history
0.085 0.000 Payment history
0.085 0.007 Payment history
0.085 0.000 Payment history
0.083 0.000 Payment history
0.083 0.015 Types of credit in use
0.082 0.000 Payment history
0.082 0.000 Payment history
0.079 0.012 Types of credit in use
0.079 0.012 Types of credit in use
0.078 0.000 Payment history
0.078 0.011 Types of credit in use
0.078 0.000 Payment history
0.078 0.011 Types of credit in use
0.078 0.000 Payment history
0.077 0.010 Types of credit in use
0.076 0.000 Payment history
0.076 0.036 Amounts owed
0.076 0.030 Amounts owed
0.075 0.000 Payment history
0.074 0.003 New credit
0.072 0.000 Payment history
0.071 0.000 Amounts owed
0.069 0.002 Length of credit history
0.066 0.000 Types of credit in use
0.066 0.000 Types of credit in use
0.065 0.000 Types of credit in use
0.065 0.000 Types of credit in use
0.064 0.000 Types of credit in use
0.063 0.000 Amounts owed
0.062 0.003 Amounts owed
0.062 0.001 Payment history
0.062 0.000 Payment history
0.061 0.008 Types of credit in use
0.059 0.000 Payment history
0.059 0.000 Payment history
0.058 0.004 Types of credit in use
0.058 0.004 Types of credit in use
0.057 0.000 Payment history
0.056 0.000 Payment history
0.056 0.005 Types of credit in use
0.056 0.005 Types of credit in use
0.055 0.004 Types of credit in use
0.054 0.001 New credit
0.054 0.056 Payment history
0.054 0.010 Amounts owed
0.053 0.001 Payment history
0.051 0.000 Payment history
0.050 0.001 New credit
0.049 0.031 Length of credit history
0.049 0.000 Payment history
0.048 0.086 Payment history
0.048 0.000 Payment history
0.047 0.025 Amounts owed
0.045 0.000 Payment history
0.045 0.000 Payment history
0.045 0.000 Payment history
0.044 0.000 Payment history
0.043 0.055 Types of credit in use
0.042 0.055 Types of credit in use
0.042 0.054 Types of credit in use
0.041 0.054 Types of credit in use
0.041 0.054 Types of credit in use
0.041 0.000 Payment history
0.039 0.000 Payment history
0.038 0.002 Types of credit in use
0.038 0.078 Types of credit in use
0.038 0.076 Types of credit in use
0.037 0.073 Types of credit in use
0.037 0.001 Length of credit history
0.036 0.069 Types of credit in use
0.036 0.066 Types of credit in use
0.035 0.000 Payment history
0.035 0.001 Amounts owed
0.035 0.000 Payment history
0.035 0.002 New credit
0.034 0.000 Payment history
0.033 0.000 Payment history
0.033 0.000 New credit
0.032 0.000 Payment history
0.032 0.002 Length of credit history
0.031 0.002 Types of credit in use
0.030 0.000 Payment history
0.030 0.001 Types of credit in use
0.029 0.000 Payment history
0.029 0.002 New credit
0.029 0.000 Payment history
0.028 0.000 Types of credit in use
0.028 0.008 Types of credit in use
0.028 0.062 New credit
0.027 0.000 New credit
0.027 0.001 New credit
0.026 0.001 Payment history
0.025 0.000 Payment history
0.025 0.000 Types of credit in use
0.024 0.001 Amounts owed
0.023 0.001 New credit
0.023 0.000 Length of credit history
0.023 0.001 Amounts owed
0.023 0.001 New credit
0.022 0.000 Payment history
0.022 0.000 Amounts owed
0.022 0.073 New credit
0.021 0.000 Payment history
0.020 0.097 Types of credit in use
0.020 0.000 Types of credit in use
0.020 0.001 New credit
0.020 0.001 Amounts owed
0.020 0.004 Length of credit history
0.019 0.000 Length of credit history
0.019 0.004 Payment history
0.019 0.002 Types of credit in use
0.019 0.000 New credit
0.018 0.000 Amounts owed
0.018 0.005 Types of credit in use
0.018 0.003 Payment history
0.018 0.001 Types of credit in use
0.017 0.001 Amounts owed
0.016 0.001 Amounts owed
0.015 0.002 New credit
0.015 0.001 Amounts owed
0.015 0.003 Amounts owed
0.014 0.001 Amounts owed
0.014 0.001 Amounts owed
0.013 0.005 Amounts owed
0.013 0.002 New credit
0.012 0.007 New credit
0.012 0.000 Types of credit in use
0.012 0.043 New credit
0.012 0.000 Payment history
0.012 0.000 Payment history
0.012 0.000 Types of credit in use
0.011 0.053 New credit
0.011 0.000 New credit
0.011 0.024 New credit
0.010 0.031 New credit
0.010 0.033 New credit
0.010 0.000 Payment history
0.010 0.007 Types of credit in use
0.010 0.001 New credit
0.010 0.000 Payment history
0.010 0.000 New credit
0.009 0.003 New credit
0.009 0.018 New credit
0.008 0.001 Amounts owed
0.008 0.005 Length of credit history
0.008 0.004 Types of credit in use
0.008 0.004 Types of credit in use
0.008 0.000 Payment history
0.007 0.004 New credit
0.007 0.004 Types of credit in use
0.007 0.000 Amounts owed
0.007 0.001 Payment history
0.007 0.003 New credit
0.007 0.000 New credit
0.007 0.006 Length of credit history
0.007 0.000 New credit
0.007 0.005 Types of credit in use
0.006 0.002 Payment history
0.006 0.005 Payment history
0.006 0.015 New credit
0.006 0.000 Payment history
0.006 0.002 Types of credit in use
0.006 0.005 Types of credit in use
0.006 0.000 New credit
0.006 0.000 Amounts owed
0.006 0.001 New credit
0.005 0.001 New credit
0.005 0.000 Amounts owed
0.005 0.000 Payment history
0.005 0.000 Payment history
0.005 0.000 New credit
0.005 0.009 New credit
0.005 0.000 Amounts owed
0.005 0.001 Amounts owed
0.005 0.000 New credit
0.005 0.000 Amounts owed
0.005 0.002 Amounts owed
0.005 0.000 New credit
0.005 0.002 Payment history
0.005 0.002 Payment history
0.004 0.003 Payment history
0.004 0.001 Amounts owed
0.004 0.002 New credit
0.004 0.002 Types of credit in use
0.004 0.002 Types of credit in use
0.004 0.002 Types of credit in use
0.004 0.002 Types of credit in use
0.004 0.001 Amounts owed
0.004 0.002 Types of credit in use
0.004 0.010 New credit
0.004 0.000 New credit
0.004 0.004 Length of credit history
0.004 0.004 New credit
0.003 0.000 Amounts owed
0.003 0.001 New credit
0.003 0.004 Amounts owed
0.003 0.000 Payment history
0.003 0.001 New credit
0.003 0.006 New credit
0.003 0.000 New credit
0.003 0.003 Amounts owed
0.003 0.001 Amounts owed
0.002 0.002 New credit
0.002 0.000 New credit
0.002 0.002 New credit
0.002 0.001 New credit
0.002 0.002 Types of credit in use
0.002 0.001 Amounts owed
0.002 0.002 New credit
0.002 0.000 Payment history
0.002 0.001 New credit
0.002 0.001 New credit
0.001 0.001 Types of credit in use
0.001 0.009 Types of credit in use
0.001 0.001 New credit
0.001 0.000 New credit
0.001 0.001 New credit
0.001 0.001 New credit
0.001 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.005 Payment history
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.002 Amounts owed
0.000 0.006 Types of credit in use
0.000 0.001 Amounts owed
0.000 0.000 Payment history
0.000 0.000 New credit
0.000 0.035 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.026 Types of credit in use
0.000 0.000 Types of credit in use
0.000 0.000 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Single female
Correlation
with performance
Correlation with
single female
Type of characteristic
0.440 0.032 Payment history
0.431 0.024 Payment history
0.418 0.025 Payment history
0.399 0.025 Payment history
0.369 0.016 Payment history
0.307 0.018 Amounts owed
0.299 0.019 Payment history
0.295 0.011 Payment history
0.288 0.017 Payment history
0.267 0.017 Payment history
0.261 0.012 Payment history
0.261 0.009 Payment history
0.261 0.025 Amounts owed
0.260 0.016 Amounts owed
0.253 0.017 Payment history
0.249 0.025 Amounts owed
0.249 0.023 Amounts owed
0.244 0.008 Payment history
0.234 0.011 Payment history
0.224 0.006 Payment history
0.213 0.010 Payment history
0.207 0.012 Amounts owed
0.206 0.011 Payment history
0.198 0.015 Payment history
0.196 0.005 Payment history
0.190 0.008 Payment history
0.187 0.038 Amounts owed
0.185 0.010 Payment history
0.183 0.046 Length of credit history
0.179 0.042 New credit
0.178 0.034 Types of credit in use
0.169 0.015 Amounts owed
0.168 0.003 Payment history
0.162 0.008 Payment history
0.161 0.002 Payment history
0.160 0.006 Payment history
0.149 0.004 Payment history
0.140 0.017 Amounts owed
0.138 0.000 Payment history
0.135 0.006 Payment history
0.134 0.016 New credit
0.132 0.004 Payment history
0.129 0.024 Payment history
0.128 0.008 Amounts owed
0.127 0.009 Amounts owed
0.125 0.000 Payment history
0.122 0.004 Payment history
0.116 0.002 Payment history
0.112 0.035 Amounts owed
0.111 0.004 Payment history
0.107 0.034 Length of credit history
0.105 0.035 Payment history
0.105 0.024 Amounts owed
0.104 0.002 Payment history
0.104 0.040 Length of credit history
0.102 0.035 New credit
0.102 0.035 New credit
0.102 0.035 New credit
0.101 0.034 New credit
0.101 0.034 New credit
0.095 0.003 Payment history
0.090 0.037 Length of credit history
0.088 0.018 Payment history
0.087 0.008 Payment history
0.087 0.008 Payment history
0.087 0.004 Payment history
0.086 0.008 Payment history
0.086 0.004 Payment history
0.086 0.008 Payment history
0.085 0.001 Payment history
0.085 0.007 Payment history
0.085 0.000 Payment history
0.085 0.008 Payment history
0.085 0.000 Payment history
0.083 0.016 Payment history
0.083 0.002 Types of credit in use
0.082 0.017 Payment history
0.082 0.000 Payment history
0.079 0.002 Types of credit in use
0.079 0.002 Types of credit in use
0.078 0.002 Payment history
0.078 0.003 Types of credit in use
0.078 0.002 Payment history
0.078 0.003 Types of credit in use
0.078 0.000 Payment history
0.077 0.003 Types of credit in use
0.076 0.000 Payment history
0.076 0.004 Amounts owed
0.076 0.002 Amounts owed
0.075 0.002 Payment history
0.074 0.000 New credit
0.072 0.024 Payment history
0.071 0.027 Amounts owed
0.069 0.021 Length of credit history
0.066 0.014 Types of credit in use
0.066 0.014 Types of credit in use
0.065 0.014 Types of credit in use
0.065 0.014 Types of credit in use
0.064 0.014 Types of credit in use
0.063 0.025 Amounts owed
0.062 0.004 Amounts owed
0.062 0.000 Payment history
0.062 0.003 Payment history
0.061 0.006 Types of credit in use
0.059 0.001 Payment history
0.059 0.000 Payment history
0.058 0.010 Types of credit in use
0.058 0.009 Types of credit in use
0.057 0.023 Payment history
0.056 0.002 Payment history
0.056 0.007 Types of credit in use
0.056 0.007 Types of credit in use
0.055 0.007 Types of credit in use
0.054 0.000 New credit
0.054 0.009 Payment history
0.054 0.001 Amounts owed
0.053 0.000 Payment history
0.051 0.002 Payment history
0.050 0.000 New credit
0.049 0.020 Length of credit history
0.049 0.022 Payment history
0.048 0.028 Payment history
0.048 0.002 Payment history
0.047 0.000 Amounts owed
0.045 0.002 Payment history
0.045 0.001 Payment history
0.045 0.002 Payment history
0.044 0.022 Payment history
0.043 0.011 Types of credit in use
0.042 0.011 Types of credit in use
0.042 0.011 Types of credit in use
0.041 0.011 Types of credit in use
0.041 0.011 Types of credit in use
0.041 0.002 Payment history
0.039 0.002 Payment history
0.038 0.002 Types of credit in use
0.038 0.027 Types of credit in use
0.038 0.025 Types of credit in use
0.037 0.023 Types of credit in use
0.037 0.062 Length of credit history
0.036 0.021 Types of credit in use
0.036 0.018 Types of credit in use
0.035 0.001 Payment history
0.035 0.031 Amounts owed
0.035 0.001 Payment history
0.035 0.000 New credit
0.034 0.000 Payment history
0.033 0.000 Payment history
0.033 0.058 New credit
0.032 0.001 Payment history
0.032 0.036 Length of credit history
0.031 0.003 Types of credit in use
0.030 0.000 Payment history
0.030 0.049 Types of credit in use
0.029 0.001 Payment history
0.029 0.000 New credit
0.029 0.000 Payment history
0.028 0.014 Types of credit in use
0.028 0.011 Types of credit in use
0.028 0.030 New credit
0.027 0.011 New credit
0.027 0.000 New credit
0.026 0.029 Payment history
0.025 0.001 Payment history
0.025 0.009 Types of credit in use
0.024 0.035 Amounts owed
0.023 0.010 New credit
0.023 0.034 Length of credit history
0.023 0.035 Amounts owed
0.023 0.000 New credit
0.022 0.000 Payment history
0.022 0.001 Amounts owed
0.022 0.038 New credit
0.021 0.000 Payment history
0.020 0.045 Types of credit in use
0.020 0.006 Types of credit in use
0.020 0.000 New credit
0.020 0.000 Amounts owed
0.020 0.043 Length of credit history
0.019 0.002 Length of credit history
0.019 0.020 Payment history
0.019 0.011 Types of credit in use
0.019 0.008 New credit
0.018 0.006 Amounts owed
0.018 0.007 Types of credit in use
0.018 0.022 Payment history
0.018 0.027 Types of credit in use
0.017 0.028 Amounts owed
0.016 0.017 Amounts owed
0.015 0.001 New credit
0.015 0.015 Amounts owed
0.015 0.013 Amounts owed
0.014 0.021 Amounts owed
0.014 0.015 Amounts owed
0.013 0.008 Amounts owed
0.013 0.001 New credit
0.012 0.014 New credit
0.012 0.016 Types of credit in use
0.012 0.026 New credit
0.012 0.000 Payment history
0.012 0.015 Payment history
0.012 0.015 Types of credit in use
0.011 0.034 New credit
0.011 0.005 New credit
0.011 0.012 New credit
0.010 0.017 New credit
0.010 0.021 New credit
0.010 0.000 Payment history
0.010 0.035 Types of credit in use
0.010 0.001 New credit
0.010 0.000 Payment history
0.010 0.000 New credit
0.009 0.003 New credit
0.009 0.010 New credit
0.008 0.006 Amounts owed
0.008 0.010 Length of credit history
0.008 0.002 Types of credit in use
0.008 0.002 Types of credit in use
0.008 0.000 Payment history
0.007 0.017 New credit
0.007 0.002 Types of credit in use
0.007 0.005 Amounts owed
0.007 0.001 Payment history
0.007 0.003 New credit
0.007 0.001 New credit
0.007 0.034 Length of credit history
0.007 0.003 New credit
0.007 0.005 Types of credit in use
0.006 0.008 Payment history
0.006 0.009 Payment history
0.006 0.009 New credit
0.006 0.000 Payment history
0.006 0.015 Types of credit in use
0.006 0.005 Types of credit in use
0.006 0.001 New credit
0.006 0.005 Amounts owed
0.006 0.001 New credit
0.005 0.001 New credit
0.005 0.005 Amounts owed
0.005 0.000 Payment history
0.005 0.000 Payment history
0.005 0.001 New credit
0.005 0.004 New credit
0.005 0.005 Amounts owed
0.005 0.006 Amounts owed
0.005 0.000 New credit
0.005 0.007 Amounts owed
0.005 0.001 Amounts owed
0.005 0.001 New credit
0.005 0.000 Payment history
0.005 0.009 Payment history
0.004 0.011 Payment history
0.004 0.003 Amounts owed
0.004 0.002 New credit
0.004 0.001 Types of credit in use
0.004 0.001 Types of credit in use
0.004 0.000 Types of credit in use
0.004 0.000 Types of credit in use
0.004 0.000 Amounts owed
0.004 0.000 Types of credit in use
0.004 0.007 New credit
0.004 0.000 New credit
0.004 0.002 Length of credit history
0.004 0.002 New credit
0.003 0.005 Amounts owed
0.003 0.001 New credit
0.003 0.001 Amounts owed
0.003 0.000 Payment history
0.003 0.002 New credit
0.003 0.003 New credit
0.003 0.000 New credit
0.003 0.001 Amounts owed
0.003 0.006 Amounts owed
0.002 0.007 New credit
0.002 0.000 New credit
0.002 0.000 New credit
0.002 0.005 New credit
0.002 0.008 Types of credit in use
0.002 0.011 Amounts owed
0.002 0.008 New credit
0.002 0.000 Payment history
0.002 0.002 New credit
0.002 0.003 New credit
0.001 0.003 Types of credit in use
0.001 0.026 Types of credit in use
0.001 0.000 New credit
0.001 0.002 New credit
0.001 0.001 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.007 Payment history
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.010 Amounts owed
0.000 0.021 Types of credit in use
0.000 0.007 Amounts owed
0.000 0.000 Payment history
0.000 0.000 New credit
0.000 0.020 Amounts owed
0.000 0.001 Amounts owed
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.010 Types of credit in use
0.000 0.000 Types of credit in use
0.000 0.004 Amounts owed
0.000 0.001 Amounts owed
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history

Figure 11. Correlations of the 312 Credit Characteristics in the TransUnion Database with Any-Account Performance and with Selected Demographic Characteristics
Age (SSA data)
Correlation
with performance
Correlation
      with age      
Type of characteristic
0.440 0.072 Payment history
0.431 0.051 Payment history
0.418 0.048 Payment history
0.399 0.055 Payment history
0.369 0.053 Payment history
0.307 0.105 Amounts owed
0.299 0.026 Payment history
0.295 0.025 Payment history
0.288 0.025 Payment history
0.267 0.023 Payment history
0.261 0.028 Payment history
0.261 0.021 Payment history
0.261 0.076 Amounts owed
0.260 0.141 Amounts owed
0.253 0.022 Payment history
0.249 0.071 Amounts owed
0.249 0.058 Amounts owed
0.244 0.019 Payment history
0.234 0.019 Payment history
0.224 0.016 Payment history
0.213 0.016 Payment history
0.207 0.116 Amounts owed
0.206 0.017 Payment history
0.198 0.015 Payment history
0.196 0.012 Payment history
0.190 0.013 Payment history
0.187 0.083 Amounts owed
0.185 0.014 Payment history
0.183 0.198 Length of credit history
0.179 0.156 New credit
0.178 0.044 Types of credit in use
0.169 0.043 Amounts owed
0.168 0.009 Payment history
0.162 0.012 Payment history
0.161 0.011 Payment history
0.160 0.010 Payment history
0.149 0.008 Payment history
0.140 0.023 Amounts owed
0.138 0.007 Payment history
0.135 0.009 Payment history
0.134 0.111 New credit
0.132 0.008 Payment history
0.129 0.014 Payment history
0.128 0.055 Amounts owed
0.127 0.061 Amounts owed
0.125 0.005 Payment history
0.122 0.011 Payment history
0.116 0.007 Payment history
0.112 0.036 Amounts owed
0.111 0.007 Payment history
0.107 0.396 Length of credit history
0.105 0.045 Payment history
0.105 0.021 Amounts owed
0.104 0.007 Payment history
0.104 0.281 Length of credit history
0.102 0.041 New credit
0.102 0.040 New credit
0.102 0.040 New credit
0.101 0.040 New credit
0.101 0.040 New credit
0.095 0.029 Payment history
0.090 0.437 Length of credit history
0.088 0.020 Payment history
0.087 0.014 Payment history
0.087 0.016 Payment history
0.087 0.009 Payment history
0.086 0.019 Payment history
0.086 0.007 Payment history
0.086 0.042 Payment history
0.085 0.004 Payment history
0.085 0.034 Payment history
0.085 0.005 Payment history
0.085 0.026 Payment history
0.085 0.006 Payment history
0.083 0.018 Payment history
0.083 0.028 Types of credit in use
0.082 0.017 Payment history
0.082 0.006 Payment history
0.079 0.023 Types of credit in use
0.079 0.023 Types of credit in use
0.078 0.005 Payment history
0.078 0.024 Types of credit in use
0.078 0.005 Payment history
0.078 0.025 Types of credit in use
0.078 0.006 Payment history
0.077 0.026 Types of credit in use
0.076 0.004 Payment history
0.076 0.040 Amounts owed
0.076 0.058 Amounts owed
0.075 0.005 Payment history
0.074 0.070 New credit
0.072 0.009 Payment history
0.071 0.026 Amounts owed
0.069 0.405 Length of credit history
0.066 0.012 Types of credit in use
0.066 0.012 Types of credit in use
0.065 0.012 Types of credit in use
0.065 0.012 Types of credit in use
0.064 0.012 Types of credit in use
0.063 0.021 Amounts owed
0.062 0.013 Amounts owed
0.062 0.006 Payment history
0.062 0.007 Payment history
0.061 0.009 Types of credit in use
0.059 0.003 Payment history
0.059 0.003 Payment history
0.058 0.008 Types of credit in use
0.058 0.007 Types of credit in use
0.057 0.007 Payment history
0.056 0.004 Payment history
0.056 0.005 Types of credit in use
0.056 0.005 Types of credit in use
0.055 0.005 Types of credit in use
0.054 0.028 New credit
0.054 0.061 Payment history
0.054 0.064 Amounts owed
0.053 0.001 Payment history
0.051 0.004 Payment history
0.050 0.121 New credit
0.049 0.230 Length of credit history
0.049 0.006 Payment history
0.048 0.028 Payment history
0.048 0.004 Payment history
0.047 0.055 Amounts owed
0.045 0.003 Payment history
0.045 0.002 Payment history
0.045 0.001 Payment history
0.044 0.006 Payment history
0.043 0.050 Types of credit in use
0.042 0.050 Types of credit in use
0.042 0.050 Types of credit in use
0.041 0.050 Types of credit in use
0.041 0.051 Types of credit in use
0.041 0.000 Payment history
0.039 0.002 Payment history
0.038 0.007 Types of credit in use
0.038 0.025 Types of credit in use
0.038 0.026 Types of credit in use
0.037 0.028 Types of credit in use
0.037 0.071 Length of credit history
0.036 0.030 Types of credit in use
0.036 0.035 Types of credit in use
0.035 0.003 Payment history
0.035 0.000 Amounts owed
0.035 0.002 Payment history
0.035 0.040 New credit
0.034 0.001 Payment history
0.033 0.001 Payment history
0.033 0.048 New credit
0.032 0.000 Payment history
0.032 0.343 Length of credit history
0.031 0.006 Types of credit in use
0.030 0.001 Payment history
0.030 0.003 Types of credit in use
0.029 0.001 Payment history
0.029 0.040 New credit
0.029 0.001 Payment history
0.028 0.010 Types of credit in use
0.028 0.003 Types of credit in use
0.028 0.085 New credit
0.027 0.000 New credit
0.027 0.008 New credit
0.026 0.000 Payment history
0.025 0.001 Payment history
0.025 0.010 Types of credit in use
0.024 0.002 Amounts owed
0.023 0.000 New credit
0.023 0.000 Length of credit history
0.023 0.009 Amounts owed
0.023 0.007 New credit
0.022 0.000 Payment history
0.022 0.006 Amounts owed
0.022 0.073 New credit
0.021 0.000 Payment history
0.020 0.017 Types of credit in use
0.020 0.003 Types of credit in use
0.020 0.006 New credit
0.020 0.001 Amounts owed
0.020 0.056 Length of credit history
0.019 0.002 Length of credit history
0.019 0.001 Payment history
0.019 0.004 Types of credit in use
0.019 0.000 New credit
0.018 0.002 Amounts owed
0.018 0.013 Types of credit in use
0.018 0.000 Payment history
0.018 0.000 Types of credit in use
0.017 0.000 Amounts owed
0.016 0.002 Amounts owed
0.015 0.010 New credit
0.015 0.000 Amounts owed
0.015 0.000 Amounts owed
0.014 0.002 Amounts owed
0.014 0.001 Amounts owed
0.013 0.076 Amounts owed
0.013 0.009 New credit
0.012 0.080 New credit
0.012 0.002 Types of credit in use
0.012 0.002 New credit
0.012 0.000 Payment history
0.012 0.002 Payment history
0.012 0.002 Types of credit in use
0.011 0.003 New credit
0.011 0.000 New credit
0.011 0.000 New credit
0.010 0.000 New credit
0.010 0.001 New credit
0.010 0.000 Payment history
0.010 0.000 Types of credit in use
0.010 0.007 New credit
0.010 0.000 Payment history
0.010 0.003 New credit
0.009 0.029 New credit
0.009 0.000 New credit
0.008 0.010 Amounts owed
0.008 0.030 Length of credit history
0.008 0.051 Types of credit in use
0.008 0.051 Types of credit in use
0.008 0.000 Payment history
0.007 0.048 New credit
0.007 0.050 Types of credit in use
0.007 0.001 Amounts owed
0.007 0.000 Payment history
0.007 0.023 New credit
0.007 0.013 New credit
0.007 0.022 Length of credit history
0.007 0.000 New credit
0.007 0.042 Types of credit in use
0.006 0.012 Payment history
0.006 0.011 Payment history
0.006 0.001 New credit
0.006 0.000 Payment history
0.006 0.002 Types of credit in use
0.006 0.041 Types of credit in use
0.006 0.006 New credit
0.006 0.001 Amounts owed
0.006 0.025 New credit
0.005 0.004 New credit
0.005 0.001 Amounts owed
0.005 0.000 Payment history
0.005 0.000 Payment history
0.005 0.005 New credit
0.005 0.000 New credit
0.005 0.001 Amounts owed
0.005 0.001 Amounts owed
0.005 0.002 New credit
0.005 0.003 Amounts owed
0.005 0.005 Amounts owed
0.005 0.009 New credit
0.005 0.006 Payment history
0.005 0.004 Payment history
0.004 0.004 Payment history
0.004 0.001 Amounts owed
0.004 0.019 New credit
0.004 0.005 Types of credit in use
0.004 0.005 Types of credit in use
0.004 0.005 Types of credit in use
0.004 0.005 Types of credit in use
0.004 0.005 Amounts owed
0.004 0.005 Types of credit in use
0.004 0.000 New credit
0.004 0.002 New credit
0.004 0.011 Length of credit history
0.004 0.010 New credit
0.003 0.001 Amounts owed
0.003 0.031 New credit
0.003 0.001 Amounts owed
0.003 0.000 Payment history
0.003 0.011 New credit
0.003 0.000 New credit
0.003 0.003 New credit
0.003 0.001 Amounts owed
0.003 0.000 Amounts owed
0.002 0.004 New credit
0.002 0.012 New credit
0.002 0.076 New credit
0.002 0.004 New credit
0.002 0.011 Types of credit in use
0.002 0.001 Amounts owed
0.002 0.005 New credit
0.002 0.000 Payment history
0.002 0.009 New credit
0.002 0.002 New credit
0.001 0.001 Types of credit in use
0.001 0.000 Types of credit in use
0.001 0.037 New credit
0.001 0.001 New credit
0.001 0.004 New credit
0.001 0.000 New credit
0.001 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.032 Payment history
0.000 0.015 New credit
0.000 0.000 New credit
0.000 0.004 Amounts owed
0.000 0.005 Types of credit in use
0.000 0.004 Amounts owed
0.000 0.000 Payment history
0.000 0.000 New credit
0.000 0.001 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 New credit
0.000 0.000 New credit
0.000 0.000 Amounts owed
0.000 0.005 Types of credit in use
0.000 0.000 Types of credit in use
0.000 0.001 Amounts owed
0.000 0.000 Amounts owed
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history
0.000 0.000 Payment history

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