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- W2293969240 abstract "Credit information affects the allocation of consumer credit, but its effects on other markets that are relevant for academic and policy analysis are unknown. This paper measures the effect of negative credit information on the employment and earnings of Swedish individuals at the margins of the formal credit and labor markets. We exploit a policy change that generates quasi-exogenous variation in the retention time of past delinquencies on credit reports and estimate that one additional year of negative credit information causes a reduction in wage earnings of $1,000. In comparison, the decrease in credit is only one-fourth as large. Negative credit information also causes an increase in self-employment and a decrease in mobility. We exploit differences in the information available to employers and banks to show suggestive evidence that this cost of default is borne inefficiently by the relatively more creditworthy individuals among previous defaulters." @default.
- W2293969240 created "2016-06-24" @default.
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- W2293969240 date "2015-01-01" @default.
- W2293969240 modified "2023-09-23" @default.
- W2293969240 title "The Labor Market Effects of Credit Market Information" @default.
- W2293969240 doi "https://doi.org/10.2139/ssrn.2654489" @default.
- W2293969240 hasPublicationYear "2015" @default.
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