Daniel Cooper, María José Luengo-Prado, Jonathan A. Parker

NBER Working Paper No. 25761
Issued in April 2019

---- Acknowledgments ----

Special thanks to Giovanni Olivei and participants at the 2019 Federal Reserve System Credit Bureau Data Users Conference for helpful suggestions and to David Brown, Chloe Lee, and Sarah Morse for excellent research assistance. The views in this paper are our own and do not necessarily reflect the views of the Federal Reserve Bank of Boston or the Federal Reserve System or the National Bureau of Economic Research.

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