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AMERICAN RISK MODEL
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American Risk Model

  • Median Equivalency Score
  • Total number of all trade lines
  • Sum of all open tradeline balances
  • Number of all tradelines with satisfactory ratings
  • Percent of tradelines with satisfactory ratings
  • Number of all tradelines opened in the last 12 months
  • Average age of all tradelines
  • Average age of open tradelines
  • Number of all tradelines from financial lending institutions
  • Number of all bankcard accounts
  • Number of all bankcards with satisfactory ratings
  • Percent of bankcard tradelines with satisfactory ratings
  • Number of all bankcard tradelines opened in the last 12 months
  • Sum of balances for all open bankcards
  • Sum of credit limits for all bankcards
  • Highest credit limits for all bankcards
  • Number of all retail credit tradelines
  • Number of all retail credit tradelines opened in the last 12 months
  • Sum of all open retail tradeline balances
  • Sum of credit limits for open retail credit tradelines
  • Percent of open retail card balances to open retail card credit limits
  • Highest credit limits for all retail tradelines
  • Number of all credit card accounts
  • Number of all credit card tradelines opened in the last 12 months
  • Sum of balances for all open credit card accounts
  • Sum of credit limits for all open credit card accounts
  • Number of all tradelines with derogatory ratings
  • Number of all tradelines past delinquent and now current
  • Number of all tradelines with 30-day ratings
  • Number of all tradelines by specific ratings (30, 60, 90, 120, 150, 180+ days)
  • Number of all tradelines with serious derogatory status


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    American Risk Model was derived from our national consumer credit masterfile and characterizes likely consumer credit activity in a neighborhood. It was calculated by aggregating the available consumer credit data in each ZIP+4 and is most useful in identifying prospects for invitations to apply for credit or non-credit related offers.

    Contact your sales representative for a complete list of variables. Although American Risk Model does not relate individual consumer credit information, some usage restrictions apply. Statistics are available for append only when the information will be used for modeling. Lists developed with American Risk Model must be used in a positive or inclusive manner. The information cannot be used to deny or exclude consumers from any offer. A special-use rider and mail piece are required.




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