There is little evidence on how the large market for credit score improvement products affects consumers or credit … market efficiency. A randomized encouragement design on a standard credit builder loan (CBL) identifies null average effects … on whether consumers have a credit score and the score itself, with important heterogeneity: those with loans outstanding …

credit card as loan purpose are negatively correlated. …

The main goal of the study is to research the role of the credit reporting system in minimizing credit risks in the … sector by acting as an information agent in the economy and to analyze critical factors for introduction of private credit … bureaus in the Azerbaijani economy. To that end, the article researches the involvement of the credit reporting system in …