Dobbie, Will; Goldsmith-Pinkham, Paul; Mahoney, Neale; … - 2017 - Revised May 2017
Credit reports are used in nearly all consumer lending decisions and, increasingly, in hiring decisions in the labor … market, but the impact of a bad credit report is largely unknown. We study the effects of credit reports on financial and … Chapter 13 filers, whose personal bankruptcy flags are removed from credit reports after seven years, to changes for Chapter 7 …
