| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w26048 |
| 来源ID | Working Paper 26048 |
| Does Knowing Your FICO Score Change Financial Behavior? Evidence from a Field Experiment with Student Loan Borrowers | |
| Tatiana Homonoff; Rourke O'; Brien; Abigail B. Sussman | |
| 发表日期 | 2019-07-08 |
| 出版年 | 2019 |
| 语种 | 英语 |
| 摘要 | One in five consumer credit accounts incur late fees each quarter. Evidence on the efficacy of regulations to improve behavior through enhanced disclosure of financial product attributes is mixed. We test a novel form of disclosure that provides borrowers with a personalized measure of their creditworthiness. In a field experiment with over 400,000 student loan borrowers, treatment group members received communications about the availability of their FICO Score. The intervention significantly reduced late payments and increased borrowers’ FICO Scores. Survey data show treatment group members were less likely to overestimate their FICO Scores, suggesting the intervention may correct for overoptimism. |
| 主题 | Microeconomics ; Households and Firms |
| URL | https://www.nber.org/papers/w26048 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/583721 |
| 推荐引用方式 GB/T 7714 | Tatiana Homonoff,Rourke O',Brien,et al. Does Knowing Your FICO Score Change Financial Behavior? Evidence from a Field Experiment with Student Loan Borrowers. 2019. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w26048.pdf（1648KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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