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Federal Reserve Bank of Philadelphia Consumer Finance Institute: 'Building Credit Histories'
March 31, 2026
PHILADELPHIA, Pennsylvania, March 31 (TNSLrpt) -- The Federal Reserve Bank of Philadelphia's Consumer Finance Institute issued a working paper in March 2025 entitled "Building Credit Histories."

Here are excerpts:

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Introduction

Credit access is important for socio-economic well-being, as it facilitates households' ability to withstand economic shocks and smooth consumption over time. An individual's access to credi . . .

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