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09/16 • 1059-BIS
The analysis is based on a statistically relevant sampling of data from Experian’s consumer and business credit database from December 2015. The sample was based on a select business population where ethnic background was identifiable. Average scores are an average of the sample and are not representative of national averages of the consumer or small business. Ethnic background was obtained from Ethnic Technologies, a provider of multicultural marketing data, ethnic identification software and ethnic data appending services.
*Based on a scale of 1 to 100 (with 100 being least risky); predicts the likelihood of severe delinquency (more than 91 days past due) within the next 12 months
CREDIT ATTRIBUTES
THE FACE OF
SMALL BUSINESSSMALL BUSINESS OWNERS OUTSHINE CONSUMERS IN CREDIT MANAGEMENT
NEW STUDY HIGHLIGHTS CREDIT AND DEMOGRAPHIC DIFFERENCESOF THE AVERAGE CONSUMER AND SMALL BUSINESS OWNER
0%
10%
20%
30%
40%
50%
60%
70%
80%
62% 47%
Business Owner Consumer
Homeownership
0
10
20
30
40
50
60
56.3 51.2
Business Owner Consumer
Average Age
0%
10%
20%
30%
40%
50%
60%
70%
80%
31%
Female
Business OwnerConsumer
Male
46%
66%
47%
Gender
0%
10%
20%
30%
40%
50%
60%
70%
80%
68% 53%
Business Owner Consumer
Married
$0
$20
$40
$60
$80
$100
$91.6 $70.4
Business Owner Consumer
Average Income
0%
10%
20%
30%
40%
50%
60%
70%
80%
69% 53%
Business Owner Consumer
Some College or More
Average Credit Score
0
100
713
2014
2015
2016
2014
2015
2016
717
721
666
668
673
200
300
400
500
600
700
800
Business Owners Consumer
AverageMortgage Balance
0
50
100
150
200
Tho
usa
nd
s
Business Owners Consumers
$192 $147
# of Open Trades
0
1
2
3
4
5
6
7
8
Business Owners Consumers
7.58
2014
2015
2016
2014
2015
2016
7.52
7.4
3
4.2
6
4.3
5
4.4
0
Average MonthlyPayment of trades
$0
$500
$1000
$1500
$2000
$2500
$20
46
2014
2015
2016
2014
2015
2016
$20
09
$20
32
$90
9
$930
$954
Average Credit Limit
0
10
20
30
40
50
60
Tho
usa
nd
s
Business Owners Consumers
$56.1 $26.9
