NOTE: THIS DATA FILE WILL CHANGE! To improve accessibility of data for all users, we will convert this file from a text format to an html table by the end of June 2024. Title: CredAbility Consumer Distress Index for Housing (DISCONTINUED) Series ID: CCDIHSQ156N Source: CredAbility Nonprofit Credit Counseling & Education Release: CredAbility Consumer Distress Index (Not a Press Release) Seasonal Adjustment: Not Seasonally Adjusted Frequency: Quarterly Units: Percent Date Range: 1980-01-01 to 2013-01-01 Last Updated: 2013-05-17 1:18 PM CDT Notes: Overview of the Index The Index is a quarterly comprehensive picture of the average American household’s financial condition. Built by assessing the key elements of financial health and distress, it converts a complex set of factors into a single, easy to understand number. Scope and History The index measures the U.S., all 50 states and more than 70 MSAs. The national and state versions date back to 1980 and the MSA versions date back to 1990. Public Data and Proprietary Methodology We use more than 65 data points from government, public and private data and a proprietary methodology for compiling, combining and evaluating data. With nearly 50 years of experience and insight into helping consumers in financial distress, we know the biggest causes of distress, how people react to financial challenges and proven strategies for regaining control. (Note: Our client data is not a data source for the Index) Measured on a 100 Point Scale Financial distress is measured on a 100 point scale and a score under 70 indicates financial distress. The lower the score equals more distress, a weaker financial position, more urgency to act, takes longer and is harder to resolve, and increases the probability of needing a third party help to resolve. The Index score is tied to one of 5 general rating categories, which reflect the strength and stability of the consumer’s position. Less than 60 Emergency / Crisis 60 – 69 Distressed / Unstable 70 – 79 Weakening / At-Risk 80 – 89 Good / Stable 90 and Above Excellent / Secure What Does the Index Measure? We measure the 5 categories of personal finance that reflect or lead to a secure, stable financial life—Employment, Housing, Credit, Household Budget and Net Worth. All are equally important, so have given each category equal weighting. Employment. Stable income is the foundation of any family’s finances. This category measures the impact of unemployment and underemployment on financial health. Key Measures: Unemployment, Underemployment Sample Data Source: Department of Labor, Bureau of Labor Statistics Housing. Safe, affordable housing is a priority for all families. This category measures how consumers are paying their mortgage/rent and the impact of housing costs on their finances. Key Measures: Mortgage and Rental Delinquencies, Housing as Percent of Budget Sample Data Source: National Delinquency Survey Credit. Responsible use of credit creates more borrowing options and lower costs. This category assesses the strength of credit scores and how well families manage their credit. Key Measures: Credit Scores, Trade Line Utilization, Credit Delinquencies, Per Capita Bankruptcies Sample Data Source: National Credit Bureau Household Budget. Spending less than you make is the daily choice that leads to long-term success. This category measures families’ spending patterns and saving for emergencies. Key Measures: Disposable Income, Savings, Consumer Confidence Sample Data Source: Department of Commerce, Bureau of Economic Analysis Net Worth. Strong, positive net worth creates options and independence. This category measures how well consumers are strengthening their personal balance sheets. Key Measures: Household Net Worth, Net Worth versus Funds Required for Long-Term Needs (e.g. retirement) Sample Data Source: Federal Reserve Flow of Funds, Survey of Consumer Finances DATE VALUE 1980-01-01 93.859649122807 1980-04-01 92.643923240938 1980-07-01 88.834951456311 1980-10-01 86.563071297989 1981-01-01 90.650406504065 1981-04-01 90.733197556008 1981-07-01 86.496350364964 1981-10-01 85.398230088496 1982-01-01 89.920159680639 1982-04-01 88.610038610039 1982-07-01 85.026269702277 1982-10-01 82.206119162641 1983-01-01 86.630036630037 1983-04-01 88.095238095238 1983-07-01 86.496350364964 1983-10-01 82.467532467532 1984-01-01 88.461538461538 1984-04-01 88.910505836576 1984-07-01 83.277870216306 1984-10-01 81.695721077655 1985-01-01 84.013605442177 1985-04-01 86.832412523020 1985-07-01 84.423407917384 1985-10-01 82.258064516129 1986-01-01 85.906642728905 1986-04-01 87.664783427495 1986-07-01 86.101083032491 1986-10-01 84.482758620690 1987-01-01 89.525691699605 1987-04-01 92.372881355932 1987-07-01 92.209765019830 1987-10-01 87.243947858473 1988-01-01 92.826552462527 1988-04-01 93.763676148797 1988-07-01 92.105263157895 1988-10-01 88.684719535783 1989-01-01 94.543429844098 1989-04-01 96.728971962617 1989-07-01 90.322580645161 1989-10-01 86.623856438770 1990-01-01 96.948356807512 1990-04-01 97.058823529412 1990-07-01 90.128924600344 1990-10-01 88.521539176722 1991-01-01 91.742626744676 1991-04-01 89.828843824859 1991-07-01 89.059417117520 1991-10-01 87.157496863069 1992-01-01 94.877900050520 1992-04-01 93.425510991722 1992-07-01 90.808259860920 1992-10-01 91.899504934377 1993-01-01 98.406116353810 1993-04-01 96.569471495014 1993-07-01 93.909773272674 1993-10-01 93.919739181347 1994-01-01 97.876898971544 1994-04-01 96.975515908293 1994-07-01 97.110869273264 1994-10-01 92.965020490751 1995-01-01 97.748867683291 1995-04-01 97.100579254390 1995-07-01 91.202234900347 1995-10-01 90.007927654153 1996-01-01 96.731643184888 1996-04-01 94.888121596018 1996-07-01 93.940068846759 1996-10-01 91.416788332661 1997-01-01 98.184068617592 1997-04-01 96.178444217132 1997-07-01 93.760255397220 1997-10-01 90.687199079793 1998-01-01 96.008064338839 1998-04-01 94.418344434482 1998-07-01 91.265482968711 1998-10-01 90.938350483945 1999-01-01 98.186078493190 1999-04-01 97.025654659248 1999-07-01 94.159809566811 1999-10-01 93.913250243483 2000-01-01 98.860128850217 2000-04-01 98.272481281938 2000-07-01 92.017306718130 2000-10-01 85.429809498232 2001-01-01 92.281652995234 2001-04-01 86.445647560102 2001-07-01 82.372896286127 2001-10-01 80.881621427835 2002-01-01 86.494001103201 2002-04-01 84.967282257422 2002-07-01 81.974283349026 2002-10-01 80.729421608641 2003-01-01 88.019268820105 2003-04-01 83.670413105973 2003-07-01 83.301851765308 2003-10-01 82.026174675010 2004-01-01 89.819217949752 2004-04-01 85.365300696912 2004-07-01 83.544366395693 2004-10-01 83.071214229145 2005-01-01 89.682077685012 2005-04-01 86.418719226695 2005-07-01 83.281418917010 2005-10-01 79.794588163519 2006-01-01 90.559886425340 2006-04-01 86.581237172177 2006-07-01 81.347295109131 2006-10-01 78.101240072967 2007-01-01 86.296179154368 2007-04-01 80.661262916211 2007-07-01 74.533338270896 2007-10-01 72.162741156443 2008-01-01 75.319834968161 2008-04-01 72.271678991733 2008-07-01 67.020513837318 2008-10-01 62.134385539749 2009-01-01 63.534066902563 2009-04-01 61.461859127951 2009-07-01 58.226269734865 2009-10-01 57.621932220860 2010-01-01 59.908111736216 2010-04-01 60.201507978517 2010-07-01 60.109078635345 2010-10-01 62.832625671712 2011-01-01 61.585131688565 2011-04-01 69.720692974836 2011-07-01 63.836023688089 2011-10-01 65.457869302938 2012-01-01 68.030028636171 2012-04-01 72.536490943845 2012-07-01 69.931888104596 2012-10-01 67.199086458649 2013-01-01 69.630021026831