These data are for Credit Report Characteristics for 2025Q1. The data come from TransUnion and are not comparable received from Equifax.
These data are provided under a restrictive license and should not be published or made publicly accessible. Please contact the CDP team if you have any questions.
About TransUnion
TransUnion is a global information and insights company and one of Canada’s two primary credit reporting agencies. They maintain credit histories for millions of Canadian consumers by aggregating data from banks, credit unions, auto lenders, and other financial institutions. This data is used to generate credit scores and comprehensive financial profiles, serving as a critical infrastructure for lending and economic analysis in Canada.
About the Dataset
This dataset provides a detailed snapshot of consumer financial health and credit usage patterns across Canada, aggregated to standard census geographies. Derived from anonymized TransUnion credit files, the data offers a multi-dimensional view of economic stability within communities. It covers three primary domains:
- Credit Risk & Demographics: A breakdown of consumers by age group and credit score ranges (from Subprime to Super Prime).
- Debt Composition: Volume and balance totals for major trade lines, including mortgages, auto loans, bankcards, lines of credit, and installment loans.
- Financial Stress Indicators: Delinquency rates across all trade types, tracking accounts that are 30, 60, or 90+ days past due.
This dataset is particularly valuable for identifying trends in household debt, monitoring economic vulnerability, and assessing the financial resilience of local neighbourhoods.
Methodology: Aggregating Postal Data to Higher-Level Geographies
This methodology outlines the process used to assign 5-digit and 6-digit postal codes to specific geographic areas (Census Subdivision, Census Tract, Census Metropolitan Area, Census Division, and Province) and aggregate the associated data. The matching process utilizes the Statistics Canada Postal Code Conversion File (PCCF).
1. Data Cleaning & Preparation
All postal codes from the input files (5Postal.xlsx and 6Postal.xlsx) and the PCCF reference file are standardized by stripping whitespace and converting characters to uppercase to ensure accurate text matching.
2. 6-Digit Postal Code Assignment
Records containing full 6-digit postal codes are matched to the PCCF using a Single Link Indicator (SLI) Priority method:
- SLI Filter: The PCCF is filtered to include only records where the Single Link Indicator equals 1. This ensures that each postal code maps to exactly one "primary" geographic location, avoiding duplication caused by postal codes that straddle geographic boundaries.
- Direct Match: The input 6-digit codes are joined to this filtered PCCF. Records that do not find a match in the SLI=1 subset are excluded.
3. 5-Digit Postal Code Assignment
Records containing 5-digit postal codes (Forward Sortation Area + first 2 digits of the Local Delivery Unit) undergo a similar process but with the addition of needing geographic consistency:
- Geographic Consistency: All 6-digit postal codes associated with the 5-digit prefix must map to the same unique geographic identifier. If the children belong to multiple different geographies (e.g., one 5-digit prefix spans two different Census Tracts), the record is flagged as ambiguous and discarded.
4. Data Rollup
Once valid geographic identifiers are assigned to the acceptable 5-digit and 6-digit records:
- The datasets are combined.
- Numeric data columns are aggregated (summed) based on the unique geographic identifier (e.g., CSDUID, CTUID).
Outcome: The final dataset represents a conservative, high-confidence aggregation where only postal codes with unambiguous, primary geographic links are retained.
Data Dictionary
| Attribute | Description | Category |
| Postal_Code | 5-digit or 6-digit postal code (unique key) | Geography |
| Total_Consumers | Total consumers (adults) | Counts |
| CV_Subprime | # of Subprime consumers (credit score less than 640) | Credit Score |
| CV_NearPrime | # of Near Prime consumers (credit score between 640 and 719) | Credit Score |
| CV_Prime | # of Prime consumers (credit score between 720 and 759) | Credit Score |
| CV_PrimePlus | # of Prime Plus consumers (credit score between 760 and 799) | Credit Score |
| CV_SuperPrice | # of Super Prime consumers (credit score greater than 799) | Credit Score |
| Age_Unk | # of consumers without an age provided | Age |
| Age_U35 | # of adults between the ages of 18 to 34 | Age |
| Age_35_64 | # of adults between the ages of 35 to 64 | Age |
| Age_O64 | # of adults that are 65 years of age or older | Age |
| Auto_Num | # of auto trades | Auto |
| Auto_Bal | Total auto trades balance ($) | Auto |
| Auto_30DPD | # of auto trades currently 30-59 days past due | Auto |
| Auto_60DPD | # of auto trades currently 60-89 days past due | Auto |
| Auto_90DPD | # of auto trades currently 90 days past due or worst | Auto |
| Mtg_Num | # of mortgage trades | Mortgage |
| Mtg_Bal | Total mortgage trades balance ($) | Mortgage |
| Mtg_30DPD | # of mortgage trades currently 30-59 days past due | Mortgage |
| Mtg_60DPD | # of mortgage trades currently 60-89 days past due | Mortgage |
| Mtg_90DPD | # of mortgage trades currently 90 days past due or worst | Mortgage |
| N_Mtg_Num | # of non-mortgage trades (cards, lines of credit, installments) | Non-Mortgage |
| N_Mtg_Bal | Total non-mortgage trades balance ($) | Non-Mortgage |
| N_Mtg_30DPD | # of non-mortgage trades currently 30-59 days past due | Non-Mortgage |
| N_Mtg_60DPD | # of non-mortgage trades currently 60-89 days past due | Non-Mortgage |
| N_Mtg_90DPD | # of non-mortgage trades currently 90 days past due or worst | Non-Mortgage |
| BC_Num | # of bankcard trades | Bankcard |
| BC_Bal | Total bankcard trades balance ($) | Bankcard |
| BC_Num_Bal | # of bankcard trades with a balance | Bankcard |
| BC_Limit | Total bankcard trades credit limit ($) | Bankcard |
| BC_30DPD | # of bankcard trades currently 30-59 days past due | Bankcard |
| BC_60DPD | # of bankcard trades currently 60-89 days past due | Bankcard |
| BC_90DPD | # of bankcard trades currently 90 days past due or worst | Bankcard |
| LOC_Num | # of line of credit trades | Line of Credit |
| LOC_Bal | Total line of credit trades balance ($) | Line of Credit |
| LOC_Num_Bal | # of line of credit trades with a balance | Line of Credit |
| LOC_Limit | Total line of credit trades credit limit ($) | Line of Credit |
| LOC_30DPD | # of line of credit trades currently 30-59 days past due | Line of Credit |
| LOC_60DPD | # of line of credit trades currently 60-89 days past due | Line of Credit |
| LOC_90DPD | # of line of credit trades currently 90 days past due or worst | Line of Credit |
| IL_Num | # of installment trades | Installment |
| IL_Bal | Total installment trades balance ($) | Installment |
| IL_30DPD | # of installment trades currently 30-59 days past due | Installment |
| IL_60DPD | # of installment trades currently 60-89 days past due | Installment |
| IL_90DPD | # of installment trades currently 90 days past due or worst | Installment |
| CX_30DPD | # of consumers currently 30-59 days past due on any trade | Consumer |
| CX_60DPD | # of consumers currently 60-89 days past due on any trade | Consumer |
| CX_90DPD | # of consumers currently 90 days past due or worst on any trade | Consumer |