One can argue that discrimination still exist even after the civil rights movement. Many researchers have measured discrimination concerning housing, predatory lending and education. However, only few research studies were conducted based on credit score information, which showed gaps between...

This paper studies the causal effect of English proficiency on residential location outcomes and the socioeconomic class of immigrants in England and Wales, exploiting a natural experiment. Based on the phenomenon that young children learn a new language more easily than older children, we...