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Community Development Publications

Consumer Credit Trends for Travis County

Consumer Credit Trends for Travis County

Notes

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  1. Are Income and Credit Scores Highly Correlated?” by Rachael Beer, Felicia Ionescu, and Geng Li, FEDS Notes, Board of Governors of the Federal Reserve System, Aug. 13, 2018.
  2. See note 1.
  3. The Effects of the 1930s HOLC ‘Redlining’ Maps,” by Daniel Aaronson, Daniel Hartley and Bhash Mazumder, Federal Reserve Bank of Chicago, working paper No. 2017–12, September 2017, revised February 2019.
  4. Do State Regulations Affect Payday Lender Concentration,” by James R. Barth et al., Journal of Economics and Business, vol. 84, March–April 2016; “Navigating the Dual Financial Service System: Neighborhood-Level Predictors of Access to Brick and Mortar Financial Services,” by Ian M. Dunham et al., The California Geographer, vol. 57, 2018.
  5. Credit checks are often conducted by potential employers and landlords.
  6. We estimate credit invisibility using methodology similar to that used by the Consumer Financial Protection Bureau and the Federal Reserve Bank of New York’s Community Credit Index. We divide the number of consumers with scorable credit in the Equifax database by the adult population estimate from the Census Bureau, American Community Survey.
  7. Who Are the Credit Invisibles?” Consumer Financial Protection Bureau, December 2016.
  8. 2017 American Community Survey, Census Bureau.
  9. Due to data constraints, we estimate a range for the invisibility of the Austin population, which is 12–15 percent. Data are available at the ZIP code level rather than city level, and because boundaries do not match perfectly, the exact estimate is unavailable.