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 …

inclusion of a broad set of loan-level controls and fixed effects. We also find that the spread between high and low credit …

This paper investigates the role of loan contract terms in the performance of consumer credit. Taking advantage of a …

How does gaining access to expensive credit affect the well-being of credit-constrained households? I use plausibly …

Using comprehensive credit bureau data, we document that consumers who borrow from marketplace lending (MPL) platforms … have lower credit scores and higher default rates in the long run relative to observably similar applicants for bank loans …

credit card as loan purpose are negatively correlated. …

credit card as loan purpose are negatively correlated. …

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 …

in the online primary market for uncollateralized consumer credit. We find that credit supply increased, reducing the …