Consumer Credit Reporting Data

Christa Gibbs, Benedict Guttman-Kenney, Donghoon Lee, Scott Nelson, Wilbert van der Klaauw and Jialan Wang

Journal of Economic Literature, 2025, vol. 63, issue 2, 598-636

Abstract: Since the 2000s, economists across fields have increasingly used consumer credit reporting data for research. We introduce readers to the economics and institutional details of these data. Using examples from the literature, we provide practical guidance on how to use these data to construct economic measures of borrowing, consumption,credit access, financial distress, and geographic mobility. We explain what credit scores measure and why. We highlight how researchers can access credit reporting data via existing datasets or by creating new datasets, including by linking credit reporting data with surveys and external datasets.

JEL-codes: D10 D40 D82 E21 G21 G28 G51 (search for similar items in EconPapers)
Date: 2025
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DOI: 10.1257/jel.20241737

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