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TransUnion Credit Report Characteristics

The following files provide sample credit report characteristics from Q4 2008 and Q1 2011 for communities across Canada down to the 6-digit postal code level.  Thanks to Louisa Wong of Hamilton for compiling and cutting up the original data files by geographic region:

TransUnion_MB.zip

TransUnion_BC.zip

TransUnion_QC.zip

TransUnion_ON_SPSS.zip

A brief explanation of the variables:


Bankruptcy Score
Range = 010 to 999
Rates the probability that a consumer will go bankrupt within the next 18 months.  Low scores mean a higher chance of going bankrupt.

Risk Score
Range = 299 to 884
Rates the probability that a consumer will go 90+ days overdue on a payment within the next 12 months.

Alltradestotbalamt
The total balance reported of all trades on the credit file. So as an example this would capture the balance outstanding of a credit cards, loans, auto loans etc.. as reported for each consumer credit file.

NB: the 'Count' variable would be used to aggregate the data above the level of postal code.  'AllConsumerQty' includes client records that do not have enough information to create a score.

 

Accompanying files:
Odds Charts

TransUnion Risk Score - Odds Charts.xlsTransUnion Bankruptcy Score - Odds Charts.xls

These show the distribution of Risk Scores and Bankruptcy Scores and how many in each score range actually displayed a negative performance (defaulted on a payment or went bankrupt).  The formulae in each cell are probably the best explanation for the column headings.

 

Presentations from TransUnion explaining/interpreting these scores: RiskScore-BankruptcyScore-Presentations.zip