Credit score proxy change direction

Text

Indicates the direction of the most recent change in an individual's credit score proxy tier (see Credit score proxy). Known or imputed for 249.8 million individuals — 97.0% of Faraday's identity graph.

At a glance

Coverage today
97.0%
Typical coverage
92.7%
Individuals with a value
249.8M
Share in largest category
50.9%
Most values come
from the person
Latest collection
Jun 1, 2026

How the categories split

How values are spread across the records that have one. Use it to check that the attribute tells records apart: when one value holds nearly everyone, it will not separate audiences much. Categories are ranked by share, largest first.

Share by category

n = 249,838,940

Share of individuals in each category. 2 categories, with 50.9% in the largest.

since previous collection
Increase
50.9%
Decrease
49.1%
Distinct categories
2
Share in largest category
50.9%

Category shares over time

50.9% (largest)

The 2 largest categories, each followed across 12 collections. Estimated from a 1% sample of individuals.

Jun 2024Mar 2025Jul 2025Nov 2025Feb 2026Jun 2026
IncreaseDecrease

Coverage

How widely Faraday has this attribute, and how precise its values are. How many of your own records get a value also depends on how many of them Faraday matches. The state map shows where coverage is thin. Coverage over time shows whether it is growing or shrinking.

Coverage by state

Percentage of individuals in each state with a value.

Coverage over time

97.0% today

Share of individuals holding a value at each monthly snapshot. A value carries forward for one year.

Jul 23Jun 24Mar 25Jul 25Nov 25Feb 26Jun 26

How we arrive at a value

Latest collection: 223,305,428 individuals

Whether a value was observed on the person themselves, carried from their address, or estimated from the people around them.

On the person — 100%
A named person, from a record about that person.
From address — 0%
Not used for this attribute — no value is inherited this way.
From geography — 0%
Not used for this attribute — no value is inherited this way.

Coverage, in context

Where 97.0% sits on the catalog’s own coverage range.

catalog min 0%max 100%

Higher coverage than 45% of individual-level attributes in the catalog

Freshness

Whether the values reflect today. A long gap since the latest collection means they may lag behind what is true now.

Collections

How recently this was collected, and how often a new collection arrives. Each bar is one collection, sized by how many individuals it carried. Gaps are real — collection is periodic, not continuous.

Jun 1, 2026
latest collection
4 months 22 days
since the latest collection
every two months
new collection cadence
Jun 24Mar 25Jul 25Nov 25Feb 26May 26

Change between collections

How much values move between collections. Income or life events should move; heavy change in something steady can mean noisy data.

24.7%

of individuals changed value between the two most recent collections — 1.5× the catalog median of 16.0%.

Contribution ledger

14 ingestions

1 authority contributed since Jul 2023.

ObservedIngestedCountID
263,433,64974d6c94c-8e2b-48fe-a704-50c99ad3cdde
266,506,942c5492806-a892-460e-aba1-ee78ffb29c5b
264,096,9771181277b-b751-4a59-aae1-101fa3f55375
264,777,400af53c569-4fe2-4282-975b-4cbf5f85692d
268,508,09184d6a1c5-d142-4a4d-9cb3-902de4c82c30

Related attributes

Attributes whose descriptions are closest to this one.

Neighbors found Oct 2026.

Use it in the API

Send an email, phone, or address. Get Credit score proxy change direction back in real time.

  1. Add credit_score_proxy_change_direction to a project.
  2. Send an email, phone, or address to the project's append endpoint. The response carries Credit score proxy change direction for the matched person.
curl -X POST 'https://api.pro.faraday.ai/v1/projects/YOUR_PROJECT_ID/append' \
  -H 'Authorization: Bearer YOUR_API_KEY' \
  -H 'Content-Type: application/json' \
  -d '{
      "email": "jane.doe@example.com"
    }'
→ {"attributes":{"credit_score_proxy_change_direction":"Increase"}}
Get it by APIAppend to a fileRead the API docs

Technical details

null in any row means the label does not apply, or is not recorded, for this attribute.

API name
The field to request through the API, and the key it comes back under in a payload.
credit_score_proxy_change_direction
Category
The catalog group the attribute is filed under.
fig/life_event
Type · unit
The kind of value and, where it has one, its unit of measure. Counts on this page are in individuals, whatever the unit.
Text
Statistical type
How the values are meant to be read: a measured amount, one of a ranked set, one of an unordered set, or several from an unordered set. The chart's form comes from the published values; for categories without a rank prefix, this label decides whether they are listed in rank order or by size.
nominal
Allowed values
The full list of values, when the attribute has a fixed set.
null
Derivations
How the value is produced, each with its definition.
Modeled
— the attribute is calculated using an algorithm that takes known records as input.
How values combine
How the values from the attribute's sources become the one value delivered.
Read from a single source field.
Directionality
For ordered values, what a higher value means.
null
Deprecation
True when the attribute is being retired; choose another for new work.
false
API reference