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 Georgia (DISCONTINUED) Series ID: CCDIOAGAQ156N 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 82.624823456445 1980-04-01 79.266727669248 1980-07-01 79.315587667142 1980-10-01 80.747155104146 1981-01-01 81.200949566762 1981-04-01 81.007799840002 1981-07-01 79.720342206246 1981-10-01 77.808953655300 1982-01-01 78.639112548963 1982-04-01 78.441653463597 1982-07-01 77.648108171418 1982-10-01 76.485283604350 1983-01-01 78.164026220169 1983-04-01 79.742345651736 1983-07-01 79.751756183570 1983-10-01 79.693743904975 1984-01-01 81.375905176001 1984-04-01 83.031315773955 1984-07-01 82.111114241463 1984-10-01 81.146463630692 1985-01-01 81.052224590840 1985-04-01 80.480012791520 1985-07-01 80.761519278373 1985-10-01 80.847338312709 1986-01-01 81.646788438344 1986-04-01 82.496375468925 1986-07-01 81.808059780938 1986-10-01 81.748541903796 1987-01-01 82.218966096506 1987-04-01 83.258009097709 1987-07-01 82.785464949128 1987-10-01 81.290657192579 1988-01-01 81.282031096978 1988-04-01 82.006257030349 1988-07-01 82.032604338195 1988-10-01 80.798317517552 1989-01-01 80.558461630847 1989-04-01 80.880209287191 1989-07-01 80.035362566066 1989-10-01 79.357798169240 1990-01-01 81.464408405976 1990-04-01 81.202558898082 1990-07-01 78.260880361851 1990-10-01 76.082408134539 1991-01-01 76.393222767188 1991-04-01 77.464617091961 1991-07-01 78.707333826953 1991-10-01 78.266700182450 1992-01-01 75.051723358815 1992-04-01 74.903421165161 1992-07-01 75.192388996989 1992-10-01 76.868996815240 1993-01-01 77.933733325469 1993-04-01 78.640666921987 1993-07-01 78.804715274026 1993-10-01 80.319912419757 1994-01-01 82.676180834084 1994-04-01 83.476959161274 1994-07-01 84.229366832366 1994-10-01 83.447907397277 1995-01-01 84.486639204027 1995-04-01 83.421284687194 1995-07-01 81.951018347517 1995-10-01 81.666243174033 1996-01-01 81.857130709397 1996-04-01 81.179115192067 1996-07-01 80.516701786219 1996-10-01 79.819194061264 1997-01-01 81.490162635907 1997-04-01 81.224682441257 1997-07-01 80.583334334446 1997-10-01 80.132984667058 1998-01-01 81.555990664575 1998-04-01 81.197799396407 1998-07-01 80.611275429684 1998-10-01 80.622526011809 1999-01-01 81.884653785091 1999-04-01 79.517825645288 1999-07-01 77.658063762099 1999-10-01 78.289472565935 2000-01-01 80.265177027325 2000-04-01 79.332908162505 2000-07-01 77.817958507222 2000-10-01 75.162151283169 2001-01-01 75.758220673796 2001-04-01 74.016318934156 2001-07-01 76.355588954129 2001-10-01 72.365068419508 2002-01-01 78.167288458900 2002-04-01 77.672712268385 2002-07-01 75.556200403255 2002-10-01 75.790947139408 2003-01-01 74.811262069903 2003-04-01 75.458373126909 2003-07-01 75.326541844837 2003-10-01 74.423727281928 2004-01-01 75.649276539227 2004-04-01 76.090997131576 2004-07-01 75.974893550774 2004-10-01 76.693345563932 2005-01-01 73.515725597030 2005-04-01 71.762184434455 2005-07-01 71.259120345480 2005-10-01 71.574598398050 2006-01-01 76.794953331916 2006-04-01 75.591920195563 2006-07-01 74.160346297892 2006-10-01 73.532606205174 2007-01-01 74.636396426599 2007-04-01 73.185022210911 2007-07-01 71.696336137054 2007-10-01 71.752338508572 2008-01-01 67.351758621922 2008-04-01 67.281439755580 2008-07-01 64.665374315931 2008-10-01 65.045598803012 2009-01-01 60.497871908754 2009-04-01 62.105984739588 2009-07-01 60.683070599920 2009-10-01 60.977065121165 2010-01-01 62.178244914563 2010-04-01 62.426770533707 2010-07-01 62.697643909872 2010-10-01 62.699409385827 2011-01-01 62.980064383997 2011-04-01 64.969509059829 2011-07-01 62.540051845348 2011-10-01 62.259135723232 2012-01-01 64.040363592899 2012-04-01 65.377724936965 2012-07-01 66.665010000000 2012-10-01 66.461710763771 2013-01-01 64.869190000000