These data are provided under a restrictive license and should not be published or made publicly accessible.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 bankruptcy risk scores indicate the average risk of bankruptcy or proposal over an 18-month window 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 consumers that are likely to file bankruptcy or proposal, 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 Bankruptcy is TransUnion’s bankruptcy score, which allows lenders to identify consumers most likely to file for bankruptcy or proposal within an 18 month window. A description of the score and its methodology is provided in the file package (see 2015.06.01 CV BK 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 Odds Chart for All Trades on page 5 for interpreting the bankruptcy score.
The "Bad rate" in the Odds chart indicates the prevalence of negative performance for a given score range. Negative performance is defined as bankruptcy or proposal within 18 months.