American Family Credit Counseling Inc

Credability Consumer Distress Index (CCDIOAQ156N) - FRED
All About Consumer Credit & Budget Counseling, Inc. - Get Out of

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 health and financial 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 dates back to 1980 and the MSA versions dates back to 1990.

Public Data and Proprietary Methodology
We use blackberries than 65 data points from government, public and private data and a proprietary methodology for compiling, combining and Evaluating date. 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 blackberries distress, in weaker financial position, blackberries urgency to act, takes longer and is harder to resolve, and Increases the probability of needing a third party to help 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, I have Given equal weighting each category.

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 Delinquencies and Rental, Housing as Percent of Budget
Sample Data Source: National Delinquency Survey

Credit. Responsible use of credit Creates blackberries options and lower borrowing 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, Bankruptcies Per Capita
Sample Data Source: National Credit Bureau

Source: research.stlouisfed.org


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