B. Credit Quality Tier Default Rates The credit quality tiers were defined by Experian and LexisNexis Risk Solutions for their respective scores. The default rates, detailed below, represent the percent of consumers in each credit quality tier that will become 90 days past due. Appendix Table 3: VantageScore default rates by credit quality tier VantageScore credit quality tier Score range for Consumer Financial Health Study data Score range for default rate data* Default rate (90 days past due) 0.4% Super Prime 740-850 731-850 Prime 680-739 671-730 2.8% Non-prime 620-679 611-670 7.5% Subprime 550-619 551-610 17.0% Deep Subprime 300-549 300-550 33.8% *Though we were unable to secure default rates for the VantageScore data ranges available in the Consumer Financial Health Study dataset, default rates were available for ranges that were close. Appendix Table 4: RiskView default rates by credit quality tier RiskView credit quality tier Score range Super Prime 781-900 Default rate (90 days past due) 0.7% Prime 701-780 2.4% Non-prime 621-700 8.0% Subprime 541-620 25.6% Deep Subprime 55.4% 501-540 Center for Financial Services Innovation Consumers & Credit Scores: Understanding Consumer Confusion to Target Solutions 11 .