This paper isolates the causal impact of neighborhood environment on credit outcomes of low-income borrowers by … families vouchers to move to better neighborhoods via randomized lottery. We find higher credit scores and use among those …

This paper provides new evidence on the long-term impacts of neighborhood environment on low-income credit decisions by … participants who moved to lower poverty neighborhoods as young children experienced better access to and greater use of credit into … adult and older children experience the same benefits to credit outcomes, we do find they experience improvements in …