Title: CredAbility Consumer Distress Index for Illinois (DISCONTINUED) Series ID: CCDIOAILQ156N 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 78.235013869676 1980-04-01 74.175059712777 1980-07-01 74.712615180485 1980-10-01 75.047033437611 1981-01-01 75.088881809179 1981-04-01 76.321699831791 1981-07-01 75.423021570633 1981-10-01 74.292653841036 1982-01-01 73.792459384060 1982-04-01 72.541791892816 1982-07-01 71.382593300086 1982-10-01 71.306895968262 1983-01-01 73.555491431196 1983-04-01 74.522737414841 1983-07-01 74.057200690843 1983-10-01 74.010927683378 1984-01-01 75.061426750602 1984-04-01 76.021624878876 1984-07-01 75.668504992055 1984-10-01 75.390741731179 1985-01-01 75.689927103793 1985-04-01 76.059452650168 1985-07-01 75.110011146635 1985-10-01 75.010980735155 1986-01-01 76.242124982662 1986-04-01 76.822928545435 1986-07-01 77.087934039878 1986-10-01 77.306864039218 1987-01-01 77.988411412785 1987-04-01 78.892527372506 1987-07-01 79.200931873550 1987-10-01 77.658859761327 1988-01-01 79.303158555847 1988-04-01 80.105119698270 1988-07-01 81.173776810136 1988-10-01 80.858147194871 1989-01-01 81.519534564585 1989-04-01 83.005723969561 1989-07-01 81.341675727344 1989-10-01 80.092645922679 1990-01-01 82.776308832851 1990-04-01 82.709603358250 1990-07-01 80.348131125540 1990-10-01 78.282161911021 1991-01-01 78.827141563008 1991-04-01 77.632128420932 1991-07-01 77.309879719400 1991-10-01 75.287620684592 1992-01-01 76.643218082340 1992-04-01 78.021713644521 1992-07-01 78.707487916022 1992-10-01 80.450537361152 1993-01-01 80.938249528454 1993-04-01 80.005566233759 1993-07-01 80.393094253229 1993-10-01 82.324571951920 1994-01-01 84.982658536485 1994-04-01 86.736343704196 1994-07-01 88.523675020434 1994-10-01 88.678995723154 1995-01-01 88.654613759233 1995-04-01 87.825663756879 1995-07-01 86.095520307800 1995-10-01 85.133524185686 1996-01-01 85.852042388303 1996-04-01 84.058948140046 1996-07-01 84.193853776780 1996-10-01 83.933559055706 1997-01-01 85.127121460884 1997-04-01 85.044155070749 1997-07-01 84.374425561716 1997-10-01 84.311510275417 1998-01-01 86.154995770144 1998-04-01 85.364421597171 1998-07-01 84.739397502011 1998-10-01 84.482320149036 1999-01-01 85.411474066558 1999-04-01 83.577143274423 1999-07-01 82.314428295629 1999-10-01 82.815224141524 2000-01-01 84.536142736379 2000-04-01 84.360477089538 2000-07-01 83.794747814202 2000-10-01 80.480929131693 2001-01-01 82.079863771306 2001-04-01 78.620920557587 2001-07-01 80.361720866130 2001-10-01 74.576701941727 2002-01-01 79.090766639494 2002-04-01 77.388758429085 2002-07-01 75.013281799072 2002-10-01 74.831476716817 2003-01-01 75.206202882488 2003-04-01 76.120023598554 2003-07-01 77.003052098994 2003-10-01 77.298585642498 2004-01-01 79.278477759406 2004-04-01 79.000446168158 2004-07-01 78.301526536944 2004-10-01 78.756661659166 2005-01-01 77.560967839564 2005-04-01 76.531094239001 2005-07-01 76.097922155230 2005-10-01 75.119071898454 2006-01-01 82.783030944009 2006-04-01 81.747721145652 2006-07-01 79.370478064289 2006-10-01 78.870308259789 2007-01-01 80.304360593968 2007-04-01 78.554687457748 2007-07-01 77.036244169248 2007-10-01 75.885008254307 2008-01-01 72.559951558486 2008-04-01 71.557131031798 2008-07-01 68.704209116727 2008-10-01 67.876292639432 2009-01-01 64.304283123535 2009-04-01 66.584780841311 2009-07-01 65.537906901601 2009-10-01 64.820760455047 2010-01-01 65.377235874738 2010-04-01 66.314941572368 2010-07-01 66.307557266205 2010-10-01 66.840398628494 2011-01-01 67.142280074157 2011-04-01 69.107089395800 2011-07-01 66.062112689775 2011-10-01 66.405643908576 2012-01-01 69.073090156741 2012-04-01 70.577921276233 2012-07-01 69.292970000000 2012-10-01 70.609754314333 2013-01-01 68.531110000000