Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/302212 
Year of Publication: 
2024
Series/Report no.: 
Staff Reports No. 1114
Publisher: 
Federal Reserve Bank of New York, New York, NY
Abstract: 
Since the 2000s, economists across fields have increasingly used consumer credit reporting data for research. We introduce readers to the economics of and the institutional details of these data. Using examples from the literature, we provide practical guidance on how to use these data to construct economic measures of borrowing, consumption, credit access, financial distress, and geographic mobility. We explain what credit scores measure, and why. We highlight how researchers can access credit reporting data via existing datasets or by creating new datasets, including by linking credit reporting data with surveys and external datasets.
Subjects: 
consumer credit reporting data
credit bureaus
measurement
credit scores
asymmetric information
household finance
JEL: 
D10
D82
E21
G50
H31
Persistent Identifier of the first edition: 
Document Type: 
Working Paper

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