Consumer Credit Reporting Data
介绍消费者信用报告数据的经济学背景和制度细节，指导研究者如何利用这些数据构建借贷、消费、信贷获取、财务困境和地理流动性的经济指标，并说明获取数据的途径。
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.