Dimitrova-Grajzl, Valentina; Grajzl, Peter; Guse, A. Joseph - 2015
of individual-level credit bureau records, we find that residing in a predominantly American Indian neighborhood is … ceteris paribus associated with worse bankcard credit outcomes than residing in a neighborhood where the share of American …. We further find that consumer's credit history is a robust and quantitatively more important predictor of bankcard credit …