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Report to the Congress on Credit Scoring and Its Effects on the Availability and Affordability of Credit

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Submitted to the Congress pursuant to section 215 of the Fair and Accurate Credit Transactions Act of 2003
August 2007

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Tables for Figures 4.A.-5.

Figure 4.A. TransRisk Score: Percent of Score
decile, by Demographic Group

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

Figure 4.A. TransRisk Score: Percent of Score
decile, by Demographic Group
Race or ethnicity (SSA data)
[Figure 4.A. corrected as of Jan. 25 2008]
Percent

Score decile	Non- Hispanic white	Black	Hispanic	Asian
1st	55.18	30.41	12.04	2.37
2nd	61.54	23.29	12.35	2.82
3rd	66.66	16.87	13.12	3.35
4th	73.49	10.68	11.12	4.71
5th	77.29	7.86	9.47	5.38
6th	79.56	5.26	8.55	6.62
7th	83.07	3.86	6.70	6.37
8th	86.27	3.17	5.23	5.33
9th	89.18	2.42	3.98	4.42
10th	90.35	1.84	3.41	4.41

Figure 4.A. TransRisk Score: Percent of Score
decile, by Demographic Group
Race or ethnicity (location-based distribution)
[Figure 4.A. corrected as of Jan. 25 2008]
Percent

Score decile	Non- Hispanic white	Black	Hispanic	Asian
1st	63.48	19.81	13.51	3.21
2nd	66.99	16.72	12.91	3.38
3rd	69.40	13.87	13.17	3.55
4th	73.29	10.73	11.95	4.04
5th	75.92	9.29	10.67	4.12
6th	77.64	8.00	9.91	4.45
7th	79.54	7.20	8.96	4.30
8th	81.30	6.75	7.89	4.06
9th	83.67	5.61	6.82	3.90
10th	83.83	5.49	6.56	4.12

Figure 4.A. TransRisk Score: Percent of Score
decile, by Demographic Group
Sex
[Figure 4.A. corrected as of Jan. 25 2008]
Percent

Score decile	Male	Female
1st	48.79	51.21
2nd	50.45	49.55
3rd	51.35	48.65
4th	51.38	48.62
5th	50.34	49.66
6th	50.59	49.41
7th	49.05	50.95
8th	48.41	51.59
9th	47.53	52.47
10th	44.27	55.73

Figure 4.A. TransRisk Score: Percent of Score
decile, by Demographic Group
Age (years)
[Figure 4.A. corrected as of Jan. 25 2008]
Percent

Score decile	Younger than 30	30-39	40-49	50-61	62 or older
1st	25.05	30.64	24.34	14.20	5.77
2nd	22.69	25.86	25.17	17.52	8.75
3rd	23.19	23.94	24.04	18.20	10.64
4th	21.50	21.52	23.43	20.22	13.32
5th	19.91	18.55	22.80	22.38	16.35
6th	22.44	19.90	22.14	20.18	15.34
7th	15.50	20.04	22.45	21.53	20.48
8th	6.68	16.11	21.34	23.28	32.58
9th	1.55	12.49	21.90	27.73	36.33
10th	0.30	5.34	15.77	24.69	53.91

Figure 4.A. TransRisk Score: Percent of Score
decile, by Demographic Group
Marital status
[Figure 4.A. corrected as of Jan. 25 2008]
Percent

Score decile	Married male	Single male	Married female	Single female
1st	22.20	25.56	22.30	29.94
2nd	26.55	23.00	25.21	25.25
3rd	28.40	22.02	26.55	23.03
4th	30.95	19.73	29.02	20.31
5th	32.56	17.51	31.18	18.75
6th	34.29	16.49	32.22	17.00
7th	34.72	14.22	35.03	16.03
8th	35.57	12.96	36.18	15.29
9th	36.73	10.67	38.76	13.83
10th	33.88	10.36	41.37	14.39

Figure 4.A. TransRisk Score: Percent of Score
decile, by Demographic Group
Income ratio of tract
[Figure 4.A. corrected as of Jan. 25 2008]
Percent

Score decile	Low	Moderate	Middle	High
1st	7.40	28.68	49.59	14.33
2nd	6.03	25.60	51.02	17.35
3rd	4.89	23.63	52.54	18.95
4th	3.44	19.87	51.94	24.76
5th	2.73	17.25	52.01	28.01
6th	2.54	15.55	51.91	30.00
7th	2.06	14.48	51.78	31.68
8th	1.77	12.99	52.31	32.92
9th	0.94	11.05	52.40	35.62
10th	0.94	11.14	51.88	36.04

Return to figure

Figure 4.B. VantageScore: Percent of Score
decile, by Demographic Group

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

 

Figure 4.B. VantageScore: Percent of Score
decile, by Demographic Group
Race or ethnicity (SSA data)
Percent
[Figure 4.B. corrected as of Jan. 25 2008]

Score decile	Non- Hispanic white	Black	Hispanic	Asian
1st	54.24	31.24	12.42	2.10
2nd	61.82	22.80	12.42	2.96
3rd	67.40	16.05	12.79	3.76
4th	73.31	11.13	10.81	4.75
5th	76.22	7.99	10.09	5.70
6th	79.19	6.05	8.75	6.01
7th	83.36	4.37	6.76	5.52
8th	86.41	3.10	5.30	5.19
9th	89.60	2.12	3.86	4.42
10th	89.17	2.12	3.49	5.22

Figure 4.B. VantageScore: Percent of Score
decile, by Demographic Group
Race or ethnicity (location-based distribution)
Percent
[Figure 4.B. corrected as of Jan. 25 2008]

Score decile	Non- Hispanic white	Black	Hispanic	Asian
1st	62.69	20.37	13.73	3.21
2nd	67.25	16.26	13.12	3.37
3rd	69.98	13.40	12.96	3.65
4th	73.57	10.82	11.67	3.94
5th	75.24	9.46	11.09	4.21
6th	76.87	8.71	10.14	4.28
7th	80.03	7.29	8.59	4.09
8th	81.99	6.37	7.79	3.86
9th	84.00	5.56	6.73	3.72
10th	83.63	5.08	6.46	4.83

Figure 4.B. VantageScore: Percent of Score
decile, by Demographic Group
Sex
Percent
[Figure 4.B. corrected as of Jan. 25 2008]

Score decile	Male	Female
1st	49.78	50.22
2nd	49.94	50.06
3rd	50.04	49.96
4th	49.83	50.17
5th	49.90	50.10
6th	49.97	50.03
7th	48.87	51.13
8th	47.68	52.32
9th	46.42	53.58
10th	49.94	50.06

Figure 4.B. VantageScore: Percent of Score
decile, by Demographic Group
Age (years)
Percent
[Figure 4.B. corrected as of Jan. 25 2008]

Score decile	Younger than 30	30-39	40-49	50-61	62 or older
1st	30.04	29.41	22.93	12.70	4.92
2nd	25.78	26.56	23.94	16.14	7.58
3rd	24.44	24.14	23.89	17.57	9.97
4th	24.64	21.65	22.54	19.52	11.66
5th	20.20	21.06	22.93	20.61	15.20
6th	16.57	19.97	22.57	21.12	19.77
7th	11.37	18.28	22.23	22.04	26.07
8th	4.74	15.31	20.92	23.36	35.67
9th	1.53	10.54	19.21	24.11	44.61
10th	0.33	8.41	22.83	32.74	35.70

Figure 4.B. VantageScore: Percent of Score
decile, by Demographic Group
Marital status
Percent
[Figure 4.B. corrected as of Jan. 25 2008]

Score decile	Married male	Single male	Married female	Single female
1st	21.48	27.14	20.84	30.54
2nd	25.54	23.22	24.67	26.57
3rd	27.41	21.65	27.53	23.41
4th	29.40	19.97	29.49	21.15
5th	32.50	17.16	31.65	18.68
6th	33.74	16.27	33.11	16.89
7th	33.82	14.78	34.67	16.73
8th	33.93	13.73	36.77	15.57
9th	35.57	10.74	38.84	14.85
10th	40.38	9.53	38.78	11.30

Figure 4.B. VantageScore: Percent of Score
decile, by Demographic Group
Income ratio of tract
Percent
[Figure 4.B. corrected as of Jan. 25 2008]

Score decile	Low	Moderate	Middle	High
1st	8.36	29.60	48.29	13.75
2nd	5.91	25.49	52.00	16.61
3rd	4.31	23.38	52.51	19.80
4th	3.42	19.81	53.65	23.12
5th	3.24	18.10	52.63	26.04
6th	2.45	16.82	51.89	28.84
7th	1.89	13.95	53.25	30.91
8th	1.46	12.91	53.43	32.19
9th	0.88	11.18	53.87	34.08
10th	0.70	8.69	45.58	45.03

Return to figure

 

Figure 4.C. FRB Base Score: Percent of Score
decile, by Demographic Group

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

Figure 4.C. FRB Base Score: Percent of Score
decile, by Demographic Group
Race or ethnicity (SSA data)
Percent

Score decile	Non- Hispanic white	Black	Hispanic	Asian
1st	54.35	30.89	12.62	2.15
2nd	61.32	23.68	12.30	2.70
3rd	67.66	16.26	12.48	3.59
4th	72.80	10.89	11.51	4.80
5th	76.44	7.84	9.83	5.89
6th	79.04	5.46	8.40	7.10
7th	83.51	3.93	6.35	6.21
8th	88.68	2.73	4.38	4.21
9th	90.00	2.37	3.96	3.68
10th	88.14	2.24	4.27	5.35

Figure 4.C. FRB Base Score: Percent of Score
decile, by Demographic Group
Race or ethnicity (location-based distribution)
Percent

Score decile	Non- Hispanic white	Black	Hispanic	Asian
1st	62.97	19.91	13.92	3.21
2nd	66.84	16.99	12.93	3.24
3rd	70.26	13.60	12.52	3.62
4th	72.91	10.84	12.16	4.09
5th	75.12	9.46	11.20	4.22
6th	77.49	8.14	9.91	4.46
7th	80.50	6.94	8.49	4.07
8th	83.46	6.08	6.93	3.53
9th	83.28	6.05	7.01	3.66
10th	82.30	5.44	7.23	5.04

Figure 4.C. FRB Base Score: Percent of Score
decile, by Demographic Group
Sex
Percent

Score decile	Male	Female
1st	48.92	51.08
2nd	51.43	48.57
3rd	50.38	49.62
4th	50.46	49.54
5th	50.27	49.73
6th	49.95	50.05
7th	49.21	50.79
8th	45.50	54.50
9th	47.24	52.76
10th	49.02	50.98

Figure 4.C. FRB Base Score: Percent of Score
decile, by Demographic Group
Age (years)
Percent

Score decile	Younger than 30	30-39	40-49	50-61	62 or older
1st	27.89	29.66	23.68	13.58	5.19
2nd	22.35	27.04	25.36	17.01	8.24
3rd	19.18	24.05	24.89	19.78	12.09
4th	23.03	20.40	22.81	20.43	13.34
5th	25.98	19.02	21.41	19.33	14.26
6th	24.23	19.02	20.36	19.24	17.15
7th	11.38	20.29	21.61	22.33	24.39
8th	2.61	12.64	18.96	23.14	42.66
9th	0.89	9.12	17.92	24.20	47.86
10th	1.05	12.96	26.76	31.60	27.63

Figure 4.C. FRB Base Score: Percent of Score
decile, by Demographic Group
Marital status
Percent

Score decile	Married male	Single male	Married female	Single female
1st	22.24	25.82	21.69	30.25
2nd	26.37	23.73	24.57	25.33
3rd	28.90	20.80	27.94	22.35
4th	30.12	19.74	29.66	20.48
5th	31.78	18.25	30.04	19.93
6th	32.70	17.00	31.85	18.45
7th	34.21	15.25	33.52	17.02
8th	33.48	11.85	38.39	16.28
9th	36.59	10.67	38.86	13.88
10th	38.80	10.02	40.61	10.58

Figure 4.C. FRB Base Score: Percent of Score
decile, by Demographic Group
Income ratio of tract
Percent

Score decile	Low	Moderate	Middle	High
1st	7.98	28.96	48.87	14.19
2nd	5.98	25.76	51.97	16.29
3rd	4.48	22.92	51.85	20.76
4th	3.51	19.88	52.11	24.50
5th	3.09	18.45	51.86	26.61
6th	2.67	16.03	52.07	29.22
7th	1.75	13.83	53.49	30.93
8th	1.37	12.60	55.24	30.79
9th	1.02	12.51	53.96	32.51
10th	0.82	9.15	45.78	44.26

Return to figure

 

Figure 5. Performance, All Individuals

Figure 5. Performance, All Individuals
Panel A: TransRisk Score
Percent bad

Score	Any- account	New- account	Existing- account	Random- account	Modified New- account
0	0.88	28.69	2.66	19.46	56.28
0.5	1.40	30.66	3.33	21.02	57.46
1	1.92	32.64	4.00	22.59	58.64
1.5	2.44	34.62	4.66	24.15	59.82
2	2.96	36.60	5.33	25.72	61.00
2.5	3.48	38.58	5.99	27.28	62.18
3	4.01	40.56	6.66	28.85	63.36
3.5	4.53	42.53	7.33	30.41	64.54
4	5.05	44.51	7.99	31.98	65.72
4.5	5.57	46.49	8.66	33.54	66.90
5	6.09	48.47	9.32	35.10	68.08
5.5	6.61	50.45	9.99	36.67	69.26
6	7.14	52.43	10.66	38.23	70.44
6.5	7.66	54.40	11.32	39.80	71.62
7	8.18	56.38	11.99	41.36	72.80
7.5	8.70	58.36	12.65	42.93	73.98
8	9.22	60.34	13.32	44.49	75.16
8.5	9.74	62.32	13.99	46.06	76.34
9	10.27	64.29	14.65	47.62	77.53
9.5	10.79	66.27	15.32	49.18	78.71
10	11.31	68.25	15.98	50.75	79.89
10.5	12.03	68.97	17.02	51.65	79.95
11	12.76	69.68	18.05	52.56	80.02
11.5	13.48	70.40	19.08	53.46	80.08
12	14.20	71.11	20.11	54.37	80.15
12.5	14.93	71.82	21.15	55.27	80.21
13	15.65	72.54	22.18	56.17	80.28
13.5	16.37	73.25	23.21	57.08	80.34
14	17.09	73.97	24.24	57.98	80.40
14.5	17.82	74.68	25.27	58.89	80.47
15	18.54	75.40	26.31	59.79	80.53
15.5	19.26	76.11	27.34	60.69	80.60
16	19.99	76.83	28.37	61.60	80.66
16.5	20.71	77.54	29.40	62.50	80.73
17	21.43	78.26	30.43	63.41	80.79
17.5	22.16	78.97	31.47	64.31	80.86
18	22.88	79.69	32.50	65.21	80.92
18.5	23.60	80.40	33.53	66.12	80.99
19	24.33	81.12	34.56	67.02	81.05
19.5	25.05	81.83	35.60	67.93	81.12
20	25.77	82.54	36.63	68.83	81.18
20.5	27.54	82.98	38.38	69.86	81.79
21	29.32	83.42	40.13	70.88	82.39
21.5	31.09	83.86	41.89	71.91	83.00
22	32.86	84.31	43.64	72.93	83.60
22.5	34.63	84.75	45.39	73.96	84.20
23	36.41	85.19	47.14	74.99	84.81
23.5	38.18	85.63	48.90	76.01	85.41
24	39.95	86.07	50.65	77.04	86.02
24.5	41.72	86.51	52.40	78.06	86.62
25	43.49	86.95	54.15	79.09	87.22
25.5	45.27	87.39	55.91	80.11	87.83
26	47.04	87.83	57.66	81.14	88.43
26.5	48.81	88.27	59.41	82.17	89.04
27	50.58	88.71	61.17	83.19	89.64
27.5	52.35	89.15	62.92	84.22	90.24
28	54.13	89.59	64.67	85.24	90.85
28.5	55.90	90.03	66.42	86.27	91.45
29	57.67	90.47	68.18	87.29	92.06
29.5	59.44	90.91	69.93	88.32	92.66
30	61.22	91.35	71.68	89.35	93.27
30.5	62.19	91.58	72.48	89.62	93.39
31	63.16	91.81	73.27	89.90	93.52
31.5	64.13	92.04	74.07	90.17	93.64
32	65.10	92.27	74.86	90.45	93.77
32.5	66.07	92.50	75.66	90.73	93.90
33	67.04	92.73	76.45	91.00	94.02
33.5	68.01	92.95	77.25	91.28	94.15
34	68.98	93.18	78.04	91.55	94.28
34.5	69.95	93.41	78.84	91.83	94.40
35	70.92	93.64	79.63	92.11	94.53
35.5	71.89	93.87	80.43	92.38	94.66
36	72.86	94.10	81.22	92.66	94.78
36.5	73.83	94.33	82.02	92.93	94.91
37	74.80	94.56	82.82	93.21	95.04
37.5	75.77	94.79	83.61	93.49	95.16
38	76.74	95.02	84.41	93.76	95.29
38.5	77.71	95.25	85.20	94.04	95.42
39	78.68	95.48	86.00	94.31	95.54
39.5	79.65	95.71	86.79	94.59	95.67
40	80.62	95.94	87.59	94.87	95.79
40.5	81.13	96.05	87.95	95.03	95.82
41	81.65	96.16	88.31	95.18	95.84
41.5	82.16	96.27	88.68	95.34	95.87
42	82.67	96.38	89.04	95.50	95.89
42.5	83.18	96.48	89.40	95.66	95.91
43	83.69	96.59	89.77	95.82	95.94
43.5	84.21	96.70	90.13	95.98	95.96
44	84.72	96.81	90.49	96.14	95.99
44.5	85.23	96.92	90.86	96.30	96.01
45	85.74	97.03	91.22	96.46	96.03
45.5	86.26	97.14	91.58	96.62	96.06
46	86.77	97.25	91.94	96.77	96.08
46.5	87.28	97.36	92.31	96.93	96.11
47	87.79	97.47	92.67	97.09	96.13
47.5	88.30	97.58	93.03	97.25	96.15
48	88.82	97.69	93.40	97.41	96.18
48.5	89.33	97.79	93.76	97.57	96.20
49	89.84	97.90	94.12	97.73	96.23
49.5	90.35	98.01	94.49	97.89	96.25
50	90.86	98.12	94.85	98.05	96.27
50.5	91.04	98.16	94.95	98.08	96.35
51	91.23	98.20	95.05	98.11	96.42
51.5	91.41	98.23	95.15	98.13	96.50
52	91.59	98.27	95.26	98.16	96.57
52.5	91.77	98.31	95.36	98.19	96.65
53	91.95	98.34	95.46	98.22	96.72
53.5	92.13	98.38	95.56	98.25	96.80
54	92.32	98.42	95.66	98.28	96.87
54.5	92.50	98.45	95.76	98.31	96.95
55	92.68	98.49	95.86	98.34	97.02
55.5	92.86	98.53	95.97	98.37	97.10
56	93.04	98.56	96.07	98.40	97.17
56.5	93.22	98.60	96.17	98.43	97.25
57	93.40	98.64	96.27	98.46	97.32
57.5	93.59	98.67	96.37	98.49	97.40
58	93.77	98.71	96.47	98.52	97.47
58.5	93.95	98.75	96.57	98.55	97.55
59	94.13	98.78	96.67	98.58	97.62
59.5	94.31	98.82	96.78	98.61	97.70
60	94.49	98.86	96.88	98.64	97.77
60.5	94.61	98.89	96.95	98.68	97.81
61	94.73	98.91	97.03	98.72	97.85
61.5	94.86	98.94	97.11	98.76	97.89
62	94.98	98.97	97.18	98.80	97.93
62.5	95.10	99.00	97.26	98.84	97.97
63	95.22	99.03	97.34	98.88	98.01
63.5	95.34	99.06	97.42	98.91	98.05
64	95.46	99.08	97.49	98.95	98.09
64.5	95.58	99.11	97.57	98.99	98.13
65	95.70	99.14	97.65	99.03	98.17
65.5	95.82	99.17	97.72	99.07	98.21
66	95.94	99.20	97.80	99.11	98.25
66.5	96.07	99.23	97.88	99.15	98.29
67	96.19	99.25	97.95	99.19	98.33
67.5	96.31	99.28	98.03	99.23	98.37
68	96.43	99.31	98.11	99.26	98.40
68.5	96.55	99.34	98.18	99.30	98.44
69	96.67	99.37	98.26	99.34	98.48
69.5	96.79	99.39	98.34	99.38	98.52
70	96.91	99.42	98.41	99.42	98.56
70.5	96.97	99.43	98.44	99.43	98.66
71	97.03	99.44	98.47	99.44	98.76
71.5	97.09	99.45	98.50	99.46	98.86
72	97.15	99.47	98.53	99.47	98.96
73	97.27	99.49	98.58	99.49	99.16
73.5	97.33	99.50	98.61	99.50	99.26
74	97.39	99.51	98.64	99.51	99.36
74.5	97.45	99.52	98.67	99.53	99.46
75	97.51	99.53	98.70	99.54	99.56
75.5	97.57	99.54	98.73	99.55	99.66
76	97.63	99.55	98.75	99.56	99.76
76.5	97.69	99.56	98.78	99.57	99.86
77	97.75	99.57	98.81	99.58	99.96
78	97.87	99.60	98.87	99.61	100.16
78.5	97.93	99.61	98.90	99.62	100.26
79	97.99	99.62	98.92	99.63	100.36
79.5	98.05	99.63	98.95	99.64	100.46
80	98.11	99.64	98.98	99.65	100.56
80.5	98.12	99.64	98.98	99.66	100.52
81	98.13	99.65	98.98	99.66	100.48
81.5	98.14	99.65	98.99	99.66	100.45
82	98.15	99.66	98.99	99.67	100.41
82.5	98.16	99.66	98.99	99.67	100.37
83	98.17	99.67	98.99	99.67	100.34
83.5	98.17	99.67	98.99	99.68	100.30
84	98.18	99.68	98.99	99.68	100.26
84.5	98.19	99.68	99.00	99.68	100.22
85	98.20	99.69	99.00	99.69	100.19
85.5	98.21	99.69	99.00	99.69	100.15
86	98.22	99.70	99.00	99.69	100.11
86.5	98.23	99.70	99.00	99.70	100.08
87	98.23	99.70	99.00	99.70	100.04
87.5	98.24	99.71	99.00	99.70	100.00
88	98.25	99.71	99.01	99.70	99.96
88.5	98.26	99.72	99.01	99.71	99.93
89	98.27	99.72	99.01	99.71	99.89
89.5	98.28	99.73	99.01	99.71	99.85
90	98.29	99.73	99.01	99.72	99.82
90.5	98.34	99.74	99.05	99.72	99.83
91	98.40	99.74	99.09	99.73	99.85
91.5	98.45	99.75	99.12	99.73	99.87
92	98.51	99.75	99.16	99.73	99.88
93	98.62	99.76	99.23	99.74	99.92
93.5	98.67	99.77	99.27	99.75	99.94
94	98.73	99.77	99.31	99.75	99.95
94.5	98.78	99.78	99.34	99.76	99.97
95	98.84	99.78	99.38	99.76	99.99
95.5	98.89	99.79	99.42	99.77	100.01
96	98.95	99.79	99.45	99.77	100.02
96.5	99.00	99.80	99.49	99.77	100.04
97	99.06	99.80	99.53	99.78	100.06
97.5	99.11	99.81	99.56	99.78	100.07
98	99.17	99.81	99.60	99.79	100.09
98.5	99.22	99.82	99.64	99.79	100.11
99	99.28	99.82	99.67	99.80	100.13
99.5	99.33	99.83	99.71	99.80	100.14
100	99.39	99.84	99.75	99.81	100.16

Figure 5. Performance, All Individuals
Panel B: VantageScore
Percent bad

Score	Any- account	New- account	Existing- account	Random- account	Modified New- account
0	0.94	31.17	1.58	12.91	54.03
0.5	1.25	32.57	2.02	14.37	54.88
1	1.56	33.97	2.45	15.83	55.72
1.5	1.87	35.37	2.89	17.30	56.57
2	2.19	36.77	3.32	18.76	57.42
2.5	2.50	38.17	3.76	20.22	58.27
3	2.81	39.57	4.19	21.69	59.12
3.5	3.12	40.97	4.63	23.15	59.96
4	3.43	42.36	5.06	24.61	60.81
4.5	3.75	43.76	5.50	26.08	61.66
5	4.06	45.16	5.93	27.54	62.51
5.5	4.37	46.56	6.36	29.01	63.36
6	4.68	47.96	6.80	30.47	64.21
6.5	5.00	49.36	7.23	31.93	65.05
7	5.31	50.76	7.67	33.40	65.90
7.5	5.62	52.16	8.10	34.86	66.75
8	5.93	53.56	8.54	36.32	67.60
8.5	6.25	54.96	8.97	37.79	68.45
9	6.56	56.35	9.41	39.25	69.29
9.5	6.87	57.75	9.84	40.71	70.14
10	7.18	59.15	10.28	42.18	70.99
10.5	8.20	60.22	11.64	43.68	71.74
11	9.22	61.29	13.00	45.18	72.49
11.5	10.25	62.35	14.37	46.68	73.24
12	11.27	63.42	15.73	48.19	73.99
12.5	12.29	64.48	17.09	49.69	74.74
13	13.31	65.55	18.45	51.19	75.49
13.5	14.33	66.62	19.82	52.69	76.24
14	15.35	67.68	21.18	54.19	76.99
14.5	16.37	68.75	22.54	55.70	77.74
15	17.39	69.81	23.91	57.20	78.49
15.5	18.41	70.88	25.27	58.70	79.24
16	19.44	71.95	26.63	60.20	79.99
16.5	20.46	73.01	28.00	61.70	80.74
17	21.48	74.08	29.36	63.21	81.49
17.5	22.50	75.14	30.72	64.71	82.24
18	23.52	76.21	32.09	66.21	82.99
18.5	24.54	77.28	33.45	67.71	83.74
19	25.56	78.34	34.81	69.21	84.49
19.5	26.58	79.41	36.17	70.72	85.24
20	27.61	80.48	37.54	72.22	85.99
20.5	29.33	81.08	39.32	73.08	86.31
21	31.05	81.69	41.09	73.94	86.63
21.5	32.77	82.30	42.87	74.81	86.95
22	34.49	82.90	44.65	75.67	87.27
22.5	36.21	83.51	46.43	76.53	87.58
23	37.94	84.12	48.21	77.40	87.90
23.5	39.66	84.72	49.99	78.26	88.22
24	41.38	85.33	51.76	79.12	88.54
24.5	43.10	85.94	53.54	79.99	88.86
25	44.82	86.54	55.32	80.85	89.17
25.5	46.54	87.15	57.10	81.71	89.49
26	48.27	87.75	58.88	82.58	89.81
26.5	49.99	88.36	60.66	83.44	90.13
27	51.71	88.97	62.43	84.30	90.44
27.5	53.43	89.57	64.21	85.16	90.76
28	55.15	90.18	65.99	86.03	91.08
28.5	56.87	90.79	67.77	86.89	91.40
29	58.60	91.39	69.55	87.75	91.72
29.5	60.32	92.00	71.33	88.62	92.03
30	62.04	92.61	73.10	89.48	92.35
30.5	63.00	92.76	73.85	89.77	92.54
31	63.97	92.92	74.59	90.06	92.74
31.5	64.93	93.07	75.33	90.35	92.93
32	65.89	93.23	76.07	90.63	93.12
32.5	66.85	93.39	76.81	90.92	93.31
33	67.82	93.54	77.55	91.21	93.50
33.5	68.78	93.70	78.29	91.50	93.70
34	69.74	93.85	79.03	91.79	93.89
34.5	70.71	94.01	79.77	92.07	94.08
35	71.67	94.16	80.51	92.36	94.27
35.5	72.63	94.32	81.25	92.65	94.46
36	73.60	94.47	81.99	92.94	94.66
36.5	74.56	94.63	82.74	93.23	94.85
37	75.52	94.78	83.48	93.52	95.04
37.5	76.48	94.94	84.22	93.80	95.23
38	77.45	95.10	84.96	94.09	95.42
38.5	78.41	95.25	85.70	94.38	95.62
39	79.37	95.41	86.44	94.67	95.81
39.5	80.34	95.56	87.18	94.96	96.00
40	81.30	95.72	87.92	95.25	96.19
40.5	81.74	95.85	88.23	95.39	96.23
41	82.19	95.98	88.54	95.53	96.27
41.5	82.64	96.12	88.85	95.68	96.30
42	83.08	96.25	89.16	95.82	96.34
42.5	83.53	96.39	89.47	95.97	96.38
43	83.98	96.52	89.78	96.11	96.41
43.5	84.42	96.65	90.08	96.25	96.45
44	84.87	96.79	90.39	96.40	96.49
44.5	85.32	96.92	90.70	96.54	96.52
45	85.76	97.05	91.01	96.68	96.56
45.5	86.21	97.19	91.32	96.83	96.60
46	86.65	97.32	91.63	96.97	96.64
46.5	87.10	97.45	91.94	97.12	96.67
47	87.55	97.59	92.25	97.26	96.71
47.5	87.99	97.72	92.56	97.40	96.75
48	88.44	97.85	92.87	97.55	96.78
48.5	88.89	97.99	93.18	97.69	96.82
49	89.33	98.12	93.49	97.84	96.86
49.5	89.78	98.25	93.79	97.98	96.90
50	90.23	98.39	94.10	98.12	96.93
50.5	90.43	98.42	94.24	98.17	96.99
51	90.63	98.46	94.39	98.21	97.06
51.5	90.84	98.49	94.53	98.25	97.12
52	91.04	98.53	94.67	98.30	97.18
52.5	91.24	98.56	94.81	98.34	97.25
53	91.44	98.60	94.95	98.39	97.31
53.5	91.65	98.63	95.09	98.43	97.37
54	91.85	98.67	95.23	98.48	97.43
54.5	92.05	98.70	95.37	98.52	97.50
55	92.26	98.73	95.52	98.56	97.56
55.5	92.46	98.77	95.66	98.61	97.62
56	92.66	98.80	95.80	98.65	97.68
56.5	92.87	98.84	95.94	98.70	97.75
57	93.07	98.87	96.08	98.74	97.81
57.5	93.27	98.91	96.22	98.78	97.87
58	93.48	98.94	96.36	98.83	97.93
58.5	93.68	98.98	96.50	98.87	98.00
59	93.88	99.01	96.64	98.92	98.06
59.5	94.08	99.05	96.79	98.96	98.12
60	94.29	99.08	96.93	99.00	98.18
60.5	94.38	99.09	96.98	99.02	98.27
61	94.48	99.09	97.03	99.04	98.35
61.5	94.57	99.10	97.09	99.05	98.44
62	94.67	99.11	97.14	99.07	98.52
62.5	94.77	99.11	97.20	99.09	98.60
63	94.86	99.12	97.25	99.10	98.69
63.5	94.96	99.12	97.30	99.12	98.77
64	95.05	99.13	97.36	99.14	98.86
64.5	95.15	99.13	97.41	99.15	98.94
65	95.24	99.14	97.46	99.17	99.03
65.5	95.34	99.15	97.52	99.19	99.11
66	95.44	99.15	97.57	99.20	99.19
66.5	95.53	99.16	97.62	99.22	99.28
67	95.63	99.16	97.68	99.24	99.36
67.5	95.72	99.17	97.73	99.25	99.45
68	95.82	99.17	97.79	99.27	99.53
68.5	95.91	99.18	97.84	99.29	99.62
69	96.01	99.19	97.89	99.30	99.70
69.5	96.11	99.19	97.95	99.32	99.78
70	96.20	99.20	98.00	99.34	99.87
70.5	96.28	99.22	98.05	99.35	99.88
71	96.37	99.24	98.11	99.37	99.89
71.5	96.45	99.27	98.16	99.39	99.89
72	96.53	99.29	98.21	99.41	99.90
72.5	96.62	99.31	98.27	99.43	99.91
73	96.70	99.34	98.32	99.45	99.92
73.5	96.78	99.36	98.37	99.47	99.93
74	96.87	99.38	98.43	99.49	99.94
74.5	96.95	99.41	98.48	99.50	99.95
75	97.03	99.43	98.53	99.52	99.96
75.5	97.12	99.45	98.58	99.54	99.97
76	97.20	99.47	98.64	99.56	99.97
76.5	97.28	99.50	98.69	99.58	99.98
77	97.37	99.52	98.74	99.60	99.99
77.5	97.45	99.54	98.80	99.62	100.00
78	97.53	99.57	98.85	99.64	100.01
78.5	97.62	99.59	98.90	99.66	100.02
79	97.70	99.61	98.96	99.67	100.03
79.5	97.78	99.64	99.01	99.69	100.04
80	97.87	99.66	99.06	99.71	100.04
80.5	97.89	99.66	99.06	99.71	100.04
81	97.91	99.66	99.05	99.71	100.04
81.5	97.93	99.67	99.05	99.71	100.04
82	97.96	99.67	99.05	99.72	100.03
82.5	97.98	99.67	99.04	99.72	100.03
83	98.00	99.67	99.04	99.72	100.03
83.5	98.02	99.68	99.03	99.72	100.03
84	98.05	99.68	99.03	99.72	100.02
84.5	98.07	99.68	99.03	99.72	100.02
85	98.09	99.69	99.02	99.72	100.02
85.5	98.12	99.69	99.02	99.72	100.01
86	98.14	99.69	99.01	99.72	100.01
86.5	98.16	99.69	99.01	99.72	100.01
87	98.18	99.70	99.01	99.72	100.01
87.5	98.21	99.70	99.00	99.72	100.00
88	98.23	99.70	99.00	99.73	100.00
88.5	98.25	99.70	98.99	99.73	100.00
89	98.28	99.71	98.99	99.73	100.00
89.5	98.30	99.71	98.99	99.73	99.99
90	98.32	99.71	98.98	99.73	99.99
90.5	98.34	99.71	99.01	99.74	99.99
91	98.35	99.72	99.03	99.75	99.99
91.5	98.37	99.72	99.06	99.76	99.99
92	98.38	99.72	99.09	99.77	99.99
92.5	98.40	99.73	99.11	99.79	99.99
93	98.41	99.73	99.14	99.80	99.99
93.5	98.43	99.73	99.17	99.81	100.00
94	98.44	99.74	99.19	99.82	100.00
94.5	98.46	99.74	99.22	99.83	100.00
95	98.47	99.75	99.25	99.84	100.00
95.5	98.49	99.75	99.27	99.85	100.00
96	98.50	99.75	99.30	99.86	100.00
96.5	98.52	99.76	99.33	99.88	100.00
97	98.53	99.76	99.35	99.89	100.00
97.5	98.55	99.76	99.38	99.90	100.00
98	98.56	99.77	99.41	99.91	100.00
98.5	98.58	99.77	99.43	99.92	100.00
99	98.59	99.77	99.46	99.93	100.00
99.5	98.61	99.78	99.49	99.94	100.01
100	98.63	99.78	99.51	99.96	100.01

Figure 5. Performance, All Individuals
Panel C: FRB Base Score
Percent bad

Score	Any- account	New- account	Existing- account	Random- account	Modified New- account
0	0.56	32.11	0.74	15.84	54.84
0.5	0.81	33.51	1.14	17.18	55.49
1	1.06	34.91	1.53	18.52	56.14
1.5	1.31	36.32	1.92	19.86	56.79
2	1.55	37.72	2.32	21.21	57.44
2.5	1.80	39.12	2.71	22.55	58.09
3	2.05	40.52	3.10	23.89	58.74
3.5	2.30	41.92	3.50	25.23	59.39
4	2.55	43.32	3.89	26.58	60.04
4.5	2.79	44.73	4.28	27.92	60.69
5	3.04	46.13	4.68	29.26	61.34
5.5	3.29	47.53	5.07	30.60	61.99
6	3.54	48.93	5.46	31.94	62.64
6.5	3.79	50.33	5.86	33.29	63.29
7	4.03	51.73	6.25	34.63	63.94
7.5	4.28	53.14	6.64	35.97	64.59
8	4.53	54.54	7.04	37.31	65.24
8.5	4.78	55.94	7.43	38.66	65.89
9	5.03	57.34	7.82	40.00	66.54
9.5	5.27	58.74	8.22	41.34	67.19
10	5.52	60.14	8.61	42.68	67.84
10.5	6.46	61.21	9.93	44.12	68.64
11	7.41	62.27	11.24	45.55	69.44
11.5	8.35	63.33	12.56	46.99	70.24
12	9.29	64.40	13.87	48.43	71.05
12.5	10.24	65.46	15.18	49.86	71.85
13	11.18	66.53	16.50	51.30	72.65
13.5	12.12	67.59	17.81	52.73	73.45
14	13.06	68.65	19.13	54.17	74.25
14.5	14.01	69.72	20.44	55.60	75.05
15	14.95	70.78	21.76	57.04	75.85
15.5	15.89	71.84	23.07	58.48	76.65
16	16.84	72.91	24.39	59.91	77.45
16.5	17.78	73.97	25.70	61.35	78.25
17	18.72	75.04	27.02	62.78	79.05
17.5	19.66	76.10	28.33	64.22	79.85
18	20.61	77.16	29.65	65.65	80.65
18.5	21.55	78.23	30.96	67.09	81.45
19	22.49	79.29	32.28	68.53	82.25
19.5	23.44	80.36	33.59	69.96	83.05
20	24.38	81.42	34.91	71.40	83.85
20.5	26.28	81.96	36.82	72.35	84.43
21	28.19	82.51	38.74	73.30	85.01
21.5	30.09	83.05	40.66	74.25	85.60
22	32.00	83.59	42.58	75.20	86.18
22.5	33.90	84.14	44.50	76.15	86.76
23	35.81	84.68	46.41	77.10	87.34
23.5	37.71	85.23	48.33	78.06	87.92
24	39.62	85.77	50.25	79.01	88.50
24.5	41.52	86.31	52.17	79.96	89.08
25	43.42	86.86	54.09	80.91	89.66
25.5	45.33	87.40	56.00	81.86	90.24
26	47.23	87.94	57.92	82.81	90.82
26.5	49.14	88.49	59.84	83.76	91.40
27	51.04	89.03	61.76	84.71	91.99
27.5	52.95	89.58	63.68	85.66	92.57
28	54.85	90.12	65.59	86.61	93.15
28.5	56.76	90.66	67.51	87.57	93.73
29	58.66	91.21	69.43	88.52	94.31
29.5	60.57	91.75	71.35	89.47	94.89
30	62.47	92.29	73.27	90.42	95.47
30.5	63.37	92.42	73.95	90.60	95.34
31	64.28	92.55	74.63	90.78	95.21
31.5	65.18	92.68	75.32	90.95	95.08
32	66.09	92.81	76.00	91.13	94.95
32.5	66.99	92.94	76.68	91.31	94.82
33	67.90	93.06	77.37	91.49	94.68
33.5	68.80	93.19	78.05	91.67	94.55
34	69.71	93.32	78.73	91.84	94.42
34.5	70.61	93.45	79.42	92.02	94.29
35	71.51	93.58	80.10	92.20	94.16
35.5	72.42	93.71	80.78	92.38	94.03
36	73.32	93.83	81.47	92.56	93.90
36.5	74.23	93.96	82.15	92.73	93.77
37	75.13	94.09	82.83	92.91	93.63
37.5	76.04	94.22	83.52	93.09	93.50
38	76.94	94.35	84.20	93.27	93.37
38.5	77.84	94.47	84.88	93.45	93.24
39	78.75	94.60	85.56	93.63	93.11
39.5	79.65	94.73	86.25	93.80	92.98
40	80.56	94.86	86.93	93.98	92.85
40.5	81.08	95.01	87.33	94.19	93.06
41	81.61	95.17	87.73	94.39	93.28
41.5	82.14	95.32	88.12	94.59	93.50
42	82.67	95.47	88.52	94.80	93.71
42.5	83.19	95.63	88.92	95.00	93.93
43	83.72	95.78	89.32	95.21	94.14
43.5	84.25	95.93	89.71	95.41	94.36
44	84.78	96.09	90.11	95.61	94.58
44.5	85.30	96.24	90.51	95.82	94.79
45	85.83	96.39	90.91	96.02	95.01
45.5	86.36	96.55	91.30	96.23	95.22
46	86.89	96.70	91.70	96.43	95.44
46.5	87.41	96.85	92.10	96.63	95.66
47	87.94	97.01	92.50	96.84	95.87
47.5	88.47	97.16	92.89	97.04	96.09
48	89.00	97.31	93.29	97.25	96.31
48.5	89.52	97.47	93.69	97.45	96.52
49	90.05	97.62	94.09	97.65	96.74
49.5	90.58	97.77	94.48	97.86	96.95
50	91.11	97.93	94.88	98.06	97.17
50.5	91.31	97.98	95.00	98.11	97.26
51	91.52	98.04	95.12	98.16	97.36
51.5	91.72	98.10	95.23	98.21	97.45
52	91.93	98.15	95.35	98.26	97.54
52.5	92.13	98.21	95.47	98.31	97.64
53	92.33	98.27	95.59	98.36	97.73
53.5	92.54	98.32	95.70	98.41	97.83
54	92.74	98.38	95.82	98.45	97.92
54.5	92.95	98.44	95.94	98.50	98.01
55	93.15	98.49	96.06	98.55	98.11
55.5	93.36	98.55	96.17	98.60	98.20
56	93.56	98.61	96.29	98.65	98.29
56.5	93.77	98.66	96.41	98.70	98.39
57	93.97	98.72	96.53	98.75	98.48
57.5	94.18	98.78	96.64	98.80	98.57
58	94.38	98.83	96.76	98.85	98.67
58.5	94.59	98.89	96.88	98.90	98.76
59	94.79	98.95	97.00	98.95	98.86
59.5	95.00	99.01	97.11	98.99	98.95
60	95.20	99.06	97.23	99.04	99.04
60.5	95.30	99.09	97.30	99.07	99.06
61	95.41	99.11	97.37	99.09	99.08
61.5	95.51	99.14	97.43	99.11	99.10
62	95.61	99.17	97.50	99.14	99.11
62.5	95.72	99.19	97.57	99.16	99.13
63	95.82	99.22	97.64	99.18	99.15
63.5	95.93	99.24	97.70	99.21	99.17
64	96.03	99.27	97.77	99.23	99.18
64.5	96.13	99.30	97.84	99.25	99.20
65	96.24	99.32	97.91	99.28	99.22
65.5	96.34	99.35	97.97	99.30	99.24
66	96.44	99.37	98.04	99.33	99.25
66.5	96.55	99.40	98.11	99.35	99.27
67	96.65	99.42	98.18	99.37	99.29
67.5	96.75	99.45	98.25	99.40	99.31
68	96.86	99.48	98.31	99.42	99.32
68.5	96.96	99.50	98.38	99.44	99.34
69	97.06	99.53	98.45	99.47	99.36
69.5	97.17	99.55	98.52	99.49	99.38
70	97.27	99.58	98.58	99.51	99.39
70.5	97.32	99.58	98.60	99.52	99.43
71	97.37	99.58	98.61	99.52	99.47
71.5	97.42	99.59	98.63	99.53	99.51
72	97.46	99.59	98.64	99.53	99.55
72.5	97.51	99.59	98.66	99.54	99.59
73	97.56	99.59	98.67	99.54	99.63
73.5	97.61	99.60	98.69	99.55	99.67
74	97.66	99.60	98.70	99.55	99.71
74.5	97.71	99.60	98.72	99.55	99.76
75	97.75	99.60	98.73	99.56	99.80
75.5	97.80	99.61	98.74	99.56	99.84
76	97.85	99.61	98.76	99.57	99.88
76.5	97.90	99.61	98.77	99.57	99.92
77	97.95	99.61	98.79	99.58	99.96
77.5	97.99	99.62	98.80	99.58	100.00
78	98.04	99.62	98.82	99.59	100.04
78.5	98.09	99.62	98.83	99.59	100.08
79	98.14	99.62	98.85	99.60	100.12
79.5	98.19	99.63	98.86	99.60	100.16
80	98.24	99.63	98.88	99.61	100.20
80.5	98.23	99.64	98.89	99.61	100.19
81	98.23	99.65	98.90	99.62	100.18
81.5	98.22	99.66	98.92	99.62	100.17
82	98.22	99.67	98.93	99.63	100.16
82.5	98.21	99.68	98.94	99.64	100.15
83	98.21	99.69	98.96	99.64	100.14
83.5	98.20	99.70	98.97	99.65	100.13
84	98.20	99.71	98.98	99.66	100.12
84.5	98.20	99.72	99.00	99.66	100.12
85	98.19	99.73	99.01	99.67	100.11
85.5	98.19	99.73	99.02	99.68	100.10
86	98.18	99.74	99.04	99.68	100.09
86.5	98.18	99.75	99.05	99.69	100.08
87	98.17	99.76	99.06	99.70	100.07
87.5	98.17	99.77	99.08	99.70	100.06
88	98.16	99.78	99.09	99.71	100.05
88.5	98.16	99.79	99.10	99.72	100.04
89	98.16	99.80	99.12	99.72	100.03
89.5	98.15	99.81	99.13	99.73	100.02
90	98.15	99.82	99.14	99.74	100.01
90.5	98.15	99.81	99.13	99.73	99.79
91	98.16	99.79	99.12	99.73	99.56
91.5	98.16	99.77	99.11	99.73	99.34
92	98.17	99.76	99.10	99.73	99.11
92.5	98.18	99.74	99.09	99.72	98.89
93	98.18	99.73	99.08	99.72	98.66
93.5	98.19	99.71	99.07	99.72	98.44
94	98.19	99.70	99.05	99.72	98.21
94.5	98.20	99.68	99.04	99.72	97.99
95	98.20	99.66	99.03	99.71	97.76
95.5	98.21	99.65	99.02	99.71	97.54
96	98.21	99.63	99.01	99.71	97.31
96.5	98.22	99.62	99.00	99.71	97.09
97	98.23	99.60	98.99	99.70	96.86
97.5	98.23	99.59	98.97	99.70	96.64
98	98.24	99.57	98.96	99.70	96.41
98.5	98.24	99.55	98.95	99.70	96.19
99	98.25	99.54	98.94	99.70	95.97
99.5	98.25	99.52	98.93	99.69	95.74
100	98.26	99.51	98.92	99.69	95.52

Return to figure

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