Our research shows that people in Puerto Rico have lower financial well-being compared to people in the rest of the United States, and they struggle more to make ends meet and participate in mainstream financial services
Nuestra investigación muestra que en Puerto Rico la gente goza de menos bienestar financiero que en el resto de los Estados Unidos, y que tienen dificultades para cubrir sus gastos y para aprovechar servicios financieros comunes
Cashflow data (regular savings, accumulated savings, paying bills on time) helps predict ability to repay and repayment risk, even when accounting for credit scores
Credit reporting changes through the Department of Education’s Fresh Start program coincided with increased credit scores for nearly 2 million student loan borrowers
Since our November 2022 analysis, delinquencies and scheduled payments on non-student-loans have continued to rise for the more than 32 million people with federal student loans
Creditors can obtain civil judgments to seize assets and garnish wages for unpaid debts
We are piloting a new collection of auto data
We requested information from the largest credit card companies about why actual payment information has largely gone missing from the nationwide consumer reporting system
Los préstamos automotrices representan la tercera porción más grande del mercado de créditos al consumidor
