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Access to Traditional Credit in the U.S. and the Fed’s Eighth District
In this report, an individual’s access to credit is measured in two ways: (1) whether an individual has a credit score, and (2) the quality of the credit score. An individual with a prime credit score, over 660, has more access to traditional credit than an individual without a credit score or with a lower score, like a subprime score. Individuals without a credit file or no credit score have the least access to traditional credit. The lower a person’s credit score, the more likely it is that individual’s access to traditional credit will be hindered by denials or less-favorable terms, like high interest rates.
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