Credit Building or Credit Crumbling? A Credit Builder Loan’s Effects on Consumer Behavior, Credit Scores and Their Predictive Power
收藏NBER2019-08-01 更新2025-01-04 收录
下载链接：
https://www.nber.org/papers/w26110
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资源简介：
How does the large market for credit score improvement products affect consumers and market efficiency? For consumers, we use a randomized encouragement design on a standard credit builder loan (CBL) and find null average effects on scores. But a generalized random forest algorithm finds important
提供机构：
美国国家经济研究局
创建时间：
2019-08-01
