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Consumer Credit Reporting Data

By Christa Gibbs, Benedict Guttman-Kenney, Donghoon Lee, Scott Nelson, Wilbert van der Klaauw, and Jialan Wang

Journal of Economic Literature, June 2025

Since the 2000s, economists across fields have increasingly used consumer credit reporting data for research. We introduce readers to the economics and institutional details of these data. Using examples from the literature, we provide practical guidance ...

A Measure of Behavioral Heterogeneity

By Jose Apesteguia and Miguel A. Ballester

American Economic Journal: Microeconomics

In this paper we propose a novel way to measure behavioral heterogeneity in a population of stochastic individuals. Our measure is choice-based; it evaluates the probability that, over a randomly selected menu, the sampled choices of two sampled indivi...