TransUnion’s proprietary Credit Risk Index (CRI) declined for the fourth consecutive quarter indicating that U.S. consumers are less of a credit risk than in previous quarters. The CRI for the United States decreased 0.9 percent in the fourth quarter of 2010 and now stands at 125.61. At a national level the CRI dropped 118 basis points (125.61 from 126.79), pushing it to a risk level not witnessed in the U.S. since the fourth quarter of 2008.

Credit demand as measured by TransUnion’s Total Inquiry Index (TII) decreased to 67.6 in the fourth quarter of 2010. This is significant because the decline in the demand for credit has slowed to 5.7 percent (between Q4 2009 and Q4 2010) after experiencing declines of 16.5 percent (between Q4 2007 and Q4 2008) and 19.3 percent (between Q4 2008 and Q4 2009). The TII is benchmarked to credit inquiry levels generated by consumers seeking credit in 2000.   Source: transUnion Press Releases