TITLE

Monitoring the Household Sector with Aggregate Credit Bureau Data

AUTHOR(S)
Barron, John M.; Elliehausen, Gregory; Staten, Michael E.
PUB. DATE
January 2000
SOURCE
Business Economics;Jan2000, Vol. 35 Issue 1, p63
SOURCE TYPE
Academic Journal
DOC. TYPE
Article
ABSTRACT
This article demonstrates the value of aggregated credit bureau data for benchmarking portfolio performance and modeling trends in household borrowing and payment behavior. The analysis utilizes a unique database built from a series of large random samples of U.S. consumer credit histories drawn quarterly since 1992. The data provide a more accurate picture of borrowing behavior at the regional, state, and local level than the aggregate statistics available from the federal government and industry associations. Their predictive power is apparent in models built to explain county-level patterns in personal bankruptcies and three types of consumer loan delinquencies from 1993-1998.
ACCESSION #
2988780

 

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