These data are provided under a restrictive license and should not be published or made publicly accessible.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.
The aggregate credit risk scores indicate the average risk of credit default at the six-digit postal code (FSALDU) level. The score can be interpreted using the Odds chart included in the file package. The Odds chart indicates the percentage of files that are likely to default on payment, 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 scores.
CreditVision Risk is TransUnion’s risk score, which allows lenders to rank consumers by their likelihood of severe delinquency within a 12 month window. A description of the score and its methodology is provided in the file package (see 2015.10.30 CV Risk external.pdf).
The score can be interpreted with the assistance of Odds charts, which indicate the likelihood of defaulting on payment. The Odds charts are available in the "CV_ODDS_CHARTS.PDF" contained in the file package. Use the Account Management Odds Chart for All Trades on page 4. This odds chart is used to evaluate exisiting portfolios. The Originations odds chart on page 3 is used to evaluate new loans.
The "Bad rate" in the Odds chart indicates the prevalence of negative performance for a given score range. Negative performance is defined as 90 or more days past due on a given credit product.