Our analysis uses a different, unique proprietary dataset that features three frequently used credit scores for each individual. Compared with the dataset used in the CFPB report, this dataset includes more recent time periods and provides a longer historical perspective of credit score comparisons

To the best of our knowledge, statistical analysis on the relationship between income and credit scores using proper data remains scant. Using a unique proprietary data set, this note attempts to fill the gap in our understanding of this relationship

Investments in stocks earn a substantially higher return than investment in safer assets in the long run, even after adjusting for risks in the stock market. However, not all households own stocks (Mankiw and Zeldes, 1991), and the share of U.S. households that invest in stocks has been much...

The median size of single family residences built from 1980 to 2014 grew by 50 percent, from 1,600 to 2,400 square feet. By contrast, during that same time, the median lot size shrank by over 20 percent; dwindling from 11,300 to 8,800 square feet. As a result, we observe a marked increase in the...