Table 3.

Odds Ratios and 95% Confidence Intervals for Association between Credit Score and Micro-Neighborhood-level Socioeconomic Position and Self-Rated General Health: Results of Ordinal Regression Models

		Socioeconomic Position Indicators					Demographic Factors
Model	Credit Score	Median Income	Median housing value	Percent with Graduate Degree	Percent white collar job	Percent single parent households	Percent white	Percent black	Median age
0	-	-	-	-	-		1.52 (1.24, 1.87)	1.17 (0.96, 1.43)	1.08 (0.99, 1.18)
1	1.71 (1.51, 1.93)	-	-	-	-		1.21 (0.98, 1.50)	1.34 (1.10, 1.65)	0.95 (0.87, 1.04)
2	-	1.34 (1.21, 1.48)	-	-	-		1.22 (0.98,1.52)	1.10 (.89, 1.33)	1.02 (0.93, 1.12)
3	-	-	1.37 (1.23, 1.52)	-	-		1.29 (1.05, 1.60)	1.18 (0.96, 1.44)	1.02 (0.94, 1.13)
4	-	-	-	1.29 (1.19, 1.41)	-		1.36 (1.10, 1.68)	1.14 (0.94, 1.40)	1.05 (0.96, 1.15)
5	-	-	-	-	1.34 (1.22, 1.48)		1.20 (0.96, 1.49)	1.07 (0.88, 1.31)	1.06 (0.97, 1.15)
6						0.59 (0.51, 0.68)	1.04 (0.78, 1.39)	1.14 (0.88, 1.48)	0.90 (0.81, 1.00)
7	-	1.17 (1.03. 1.33)	1.08 (0.92, 1.27)	1.01 (0.87, 1.18)	1.04 (0.89, 1.21)	0.70 (0.59, 0.83)	0.94 (0.69, 1.26)	1.06 (0.80, 1.38)	0.91 (0.82, 1.02)
81	1.47 (1.27, 1.69)	1.11 (0.98, 1.26)	1.05 (0.89, 1.23)	0.99 (0.85, 1.15)	1.02 (0.88, 1.19)	0.80 (0.67, 0.96)	0.95 (0.70, 1.29)	1.20 (0.91, 1.58)	0.89 (0.80, 0.99)
92	1.26 (1.09, 1.46)	0.96 (0.84, 1.09)	1.06 (0.92, 1.27)	1.00 (0.85, 1.16)	1.02 (0.84, 1.14)	0.82 (0.68, 0.99)	1.09 (0.82, 1.44)	0.93 (0.71, 1.22)	0.99 (0.98, 0.99)

Notes:

Values are bolded when p<0.05

The outcome, self reported health, has five categories: poor (1), fair (2), good (3), very good (4), excellent (5)

All variables are standardized, i.e. represent a standard deviation change

¹A likelihood ratio test comparing model 7 and 8 is statistically significant (p<0.001)

²Model 9 contains the individual-level covariates race, age, sex, education and income.