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Respondents rate their own credit score (SHED) or credit record (GSS) on a poor-to-excellent scale; the wording differs slightly (score versus record), and the SHED version asks respondents to guess.
AI-matched An AI model grouped these questions and mapped their answers onto shared categories, and a second AI review checked and corrected the grouping and mapping. No person has checked it: compare the question wordings and the answer mapping below before reading the lines against each other.
Latest: 10% answered “Poor” in GSS, 2025.
Shares of people whose answer maps onto these categories (non-answers and answers outside the scale are left out), because surveys differ in whether they offer “don’t know.” Each column is one survey wave, evenly spaced rather than to scale in time; hover for exact shares.
Shares of people whose answer maps onto these categories (non-answers and answers outside the scale are left out), because surveys differ in whether they offer “don’t know.” Each point is one survey wave at the middle of its field period. Lines from different surveys are never spliced together.
Groups differ from everyone by 14 points on average across all answers, in Fed SHED.
| Line | Question | Match | How answers map |
|---|---|---|---|
| GSS | Self-rated credit record In general, would you say that your credit record is poor, fair, good, very good, or excellent?
NOTE: This variable originates on the GSS Next follow-on, and should not be analyzed without the GSS Next-specific weights WTSSPS_NEXT or WTSSNRPS_NEXT Caveat: Asks about credit record, not score; GSS Next sample requires special weights | equivalent | Poor → Poor; Fair → Fair; Good → Good; Very good → Very good; Excellent → Excellent |
| Fed SHED | Self-assessed credit score If you had to guess, do you think your current credit score (such as a FICO score) is Caveat: Asks for a guess about credit score (e.g., FICO), not credit record | equivalent | Poor → Poor; Fair → Fair; Good → Good; Very good → Very good; Excellent → Excellent |
Groups differ from everyone by 12 points on average across all answers, in Fed SHED.
Subgroup charts are picked automatically. Of every breakdown in the data (party, ideology, age, sex, race, education, income, region, religion, and community type), these two put their groups furthest from everyone’s answers: the gap is averaged across all answer categories and waves, with each group weighted by its share of respondents. Party and ideology count as one choice, so the second chart shows a different kind of split. Groups with an effective sample under 50 in a wave are left out of that wave.