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Fueling the Credit Crisis: Who Uses Consumer Credit and What Drives Debt Burden?
consumer debt credit attitude personal savings
2011/9/2
Excessive household debt contributed to the worst recession in decades. Insights about borrowing and spending behavior can inform economic recovery forecasts, policy decisions, and financial education...
Multiple Credit Ratings, Cost of Debt and Self-Selection
credit ratings default risk selection bias
2011/9/2
In a world where firms pay for credit ratings and (because of regulatory requirements) where some investors must pay attention to the ratings of some specified set of raters, it may well be in the int...
Concern with Immediate Consequences Magnifies the Impact of Compulsive Buying Tendencies on College Students' Credit Card Debt
temporal orientation compulsive buying tendencies compulsive buying scale immediate consequences
2011/8/30
This research examines whether temporal orientation moderates the impact of compulsive buying tendencies (CBT) on credit card debt. Participants completed the consideration of future consequences scal...
A Model of Money and Credit, with Application to the Credit Card Debt Puzzle
credit card debt high interest rates low rates dominance puzzle
2011/8/26
Many individuals simultaneously have significant credit card debt and money in the bank. The credit card debt puzzle is as follows: given high interest rates on credit cards and low rates on bank acco...
Escape from the Great American Debt Trap
improvements to the average credit recession credit-card companies lower delinquency rates
2011/8/26
The article discusses improvements to the average credit score of residents of the U.S. as of July 2011. According to the article this is an improvement since the start of the recession that began in ...
WHERE IS THE MISSING CREDIT CARD DEBT? CLUES AND IMPLICATIONS
comparable estimates aggregate credit card industry data credit card borrowing and outcomes of interest
2011/8/26
I create comparable estimates of aggregate credit card use based on household data from the Survey of Consumer Finances (SCF) and industry data. The two sources match up well on credit card charges an...
So You Want to Be Debt Free
debt-free lifestyle Financial advisors cash value personal financing device
2011/8/22
Increasing numbers of Americans are attracted to the idea of a debt-free lifestyle; however, this is not as simple as it sounds. Financial advisors who understand and who can talk about using cash val...