Credit reporting systems have become a widespread tool to assess the creditworthiness of prospective borrowers. This paper studies the implications for credit access of using them in contexts where exogenous and transitory shocks affect income and repayment. Using a novel administrative data set...

This paper studies how weather variability affects credit scores and credit access in developing countries. Using rich administrative data on loans to coffee farmers from a large Colombian bank, I show that negative weather shocks lead to lower loan repayment, lower credit scores and more...