The Effect of Borrower Information Sharing on Delinquencies: Evidence from the US Lending Market Out of Stock
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By Andrew Sutherland, University of Chicago Booth School of Business
When a credit lender accesses a credit report to evaluate a contract application, it relies on previous information about the applicant’s past performance. So does information sharing affect the frequency and severity of delinquencies? This study based on data from PayNet explores the ties between information sharing and payment performance.
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