firms. The study is based on the credit files of the respective firms. If no problems occur in these lending relationships …, the traditional view of credit assessment as observation of the quality of a borrower's investment programme needs to be …

I examine how credit reporting affects where firms access credit and how lenders contract with them. I use within firm …-time and lender-time tests that exploit lenders joining a credit bureau and sharing information in a staggered pattern. I find … mixed effects of transparency-improving financial technologies on credit availability …

This paper attempts to investigate the impact of credit information sharing on bank-specific stock price crash risk …. Using a sample of 1,402 listed-banks in 55 countries for the period 2005-2013, we show that credit information sharing … through public credit registries is negatively associated with future crash risk after controlling for other predictors of …

Using a unique dataset of credit card mailings, we show that during the recent credit boom, consumers with mediocre … credit scores received more credit card solicitations than those with high credit scores. However, this relationship reversed …, were not excluded from the credit market, but received fewer and less-favorable o ers, especially as they approach being …