University of Illinois Urbana-Champaign|George Mason University|University of Illinois Urbana-Champaign|George Mason University|University of Illinois Urbana-Champaign|George Mason University
credit literacy depends part understanding credit reports scores us government accountability office conducted study 2004 assess consumers knowledge credit reports credit scores dispute resolution process study uses government accountability office data estimates series ordinary least squares quantile regressions identify specific subgroups population could benefit targeted consumer policies financial education findings research important implications consumer educators financial professionals policy makers especially respect national strategies designed improve consumers financial wellbeing