Data is Beautiful

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A place to share and discuss visual representations of data: Graphs, charts, maps, etc.

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FICO Scores In the US (sh.itjust.works)

submitted 1 month ago* (last edited 1 month ago) by [email protected] to c/[email protected]

12 comments fedilink hide all child comments

The image is from a Washington Post article which took the data from an interesting research paper titled Who Pays For Your Rewards? Redistribution in the Credit Card Market.

The research paper is a good read. (A free PDF of the whole paper is available at the link.) It examines how the use of rewards credit cards results in a massive wealth transfer from low-credit-score customers to high-credit-score customers:

We estimate an aggregate annual redistribution of $15 billion from less to more educated, poorer to richer, and high to low minority areas, widening existing disparities.

The Washington Post article attempts to frame the clear north-south split as a result of healthcare issues in the south. That explanation seems too narrow to me. This map looks too similar to maps of poverty and education, and we know health correlates strongly with both of those issues.

Edit to fix a sentence fragment. Sorry; it was late and I was tired.

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[–] [email protected] 0 points 1 month ago (2 children)

Interesting data but I hate this map. The colours are nonsensical as are the categories

[–] [email protected] 0 points 1 month ago (1 children)

Yea who the fuck designed this color scheme. And the data points being so....random? Why not go by 50 or 100...

[–] [email protected] 0 points 1 month ago (1 children)

Could be a choice to reflect the distribution of different scores. I can't imagine credit scores are a very linear distribution.

[–] [email protected] 0 points 1 month ago* (last edited 1 month ago) (1 children)

It also doesn't go low and high enough. The first and last category should show everything below and everything above respectively.

I mean a 687 credit score isn't ideal but it's far from how bad it can get.

[–] [email protected] 1 points 1 month ago

It's showing averages. Just because certain scores are possible for an individual doesn't mean there's a district somewhere with that average score.

My credit score is not shown here because there is no district with that average score.

[–] [email protected] 0 points 1 month ago (1 children)

Maybe they're more color-blind friendly than the typical red-green scale? Idk, it's just a guess as to why these colors were chosen.

[–] [email protected] 2 points 1 month ago

As a red green colourblind person this map looks awesome and the contrast is excellent