• Corpus ID: 155221083

Three essays on consumer credit history and the labor market

  title={Three essays on consumer credit history and the labor market},
  author={Tess Forsell},
OF DISSERTATION Submitted in partial fulfillment of the requirements for the degree of Doctor of Philosophy in Economics in the Graduate School of Northeastern University April, 2012 
1 Citations
The Impact of Credit Checks on Employment
Data from a nationally representative sample are used to examine the link between credit scores, frequently used for job screening, and the probability of employment. This freely available survey


The use of propensity score matching in the evaluation of active labour market policies
The WestminsterResearch online digital archive at the University of Westminster aims to make the research output of the University available to a wider audience. Copyright and Moral Rights remain
Unsecured Debt, Consumer Bankruptcy, and Small Business
In this paper we develop a quantitative model of entrepreneurial activity (risk-taking) and consumer bankruptcy choices and use the model to study the effects of bankruptcy regulations on
Employee Crime and the Monitoring Puzzle
The simplest economic theories of crime predict that profit-maximizing firms should follow strategies of minimal monitoring with large penalties for employee crime. We investigate possible reasons
Present-Biased Preferences and Credit Card Borrowing
Some individuals borrow extensively on their credit cards. This paper tests whether present-biased time preferences correlate with credit card borrowing. In a field study, we elicit individual time
Fresh Start or Head Start? The Effects of Filing for Personal Bankruptcy on Work Effort
The key feature of the modern US personal bankruptcy law is to provide debtors a financial fresh start through debt discharge. It has long been believed that the primary goal of the discharge policy
An overview of consumer data and credit reporting
For some time, the Board of Governors of the Federal Reserve System has sought to obtain more detailed and timely information on the debt status, loan payment behavior, and overall credit quality of
Household Borrowing After Personal Bankruptcy
A large literature has examined factors leading to filing for personal bankruptcy, but little is known about household borrowing after bankruptcy. Using data from the Survey of Consumer Finances, we
A Study of Consumers' Post-Discharge Finances: Struggle, Stasis, or Fresh-Start?
The postwar U.S. has experienced an extremely sharp rise in consumer bankruptcies. What happens to these consumers financially after filing for bankruptcy? Do filers catch up with their non-filing
Credit Cards: Facts and Theories
We use data from several waves of the Survey of Consumer Finances to document credit and debit card ownership and use across US demographic groups. We then present recent theoretical and empirical
Borrowing After Bankruptcy
1 Borrowing After Bankruptcy by Katherine Porter