These aggregate credit data indicate the average risk of credit default and personal bankruptcy at the six-digit postal code (FSALDU) level. The two scores can be interpreted using the performance graphs included in the file package. These graphs indicate the percentage of files that are likely to exhibit credit default or bankruptcy, by score range.

Note that for 2016 and 2017, the Community Data Program changed data providers from TransUnion to Equifax. The Equifax credit score and bankruptcy score data are not comparable to the TransUnion data from previous years.

These data are provided under a restrictive license and should not be published or made publicly accessible. Please contact the CDP team if you have any questions.