We estimate the causal effect of emergency credit on households' finances after a negative shock. To do so, we link … a federally-declared natural disaster, to a panel of credit records before and after the shock. We exploit a … approved. Using an instrumented difference-in-differences research design, we find that credit provision at the time of a shock …

distressed individuals.We observe substantial increases in credit scores within six months of forbearance.This credit score … improvement is followed by increases in credit limits and new creditcards that allowed distressed borrowers to take on 12.3% more … credit card debt relativeto borrowers whose student loans were not in forbearance. Credit card borrowing isincreasing and is …

credit register from Spain, with the time of a loan application and its granting. When VIX is lower (booms), banks shorten …

anonymized credit bureau files, we examine the bankruptcy filing and delinquency rates of private student loan borrowers in …

Using a unique data base of Global Credit Data with individual loan information from small and medium sized entities in …