Affiliation:
1. PhD, Professor, Saint Louis University
Abstract
Financial personal credit is a key resource for families to gain access to resources and assets. Social work practitioners benefit from awareness of the importance of credit, a basic understanding of credit, and familiarity with critical contemporary debates regarding credit. Use of credit-building products and use of alternative and behavioral data for credit scoring are two contemporary debates that frame credit-building work. Although both hold promise as helpful, more evidence of their effectiveness is needed. Practitioners can explore credit issues with clients and familiarize themselves with accessible credit-building resources. Caution may be warranted in promoting products. Practitioners can monitor the effects on clients of alternative and behavioral data in credit scoring for policy advocacy purposes.
Subject
Social Sciences (miscellaneous)
Cited by
8 articles.
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