id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fsr-3378	Smith, L. Douglas; Staten, Michael; Eyssell, Thomas; Karig, Maureen; Feinstein, Jeffrey; Johnson, Cathleen	Credit usage, payment behavior, and the accuracy of consumer credit files	2018	28	.pdf	application/pdf	13698	651	58	Future research might indicate whether more efforts at financial literacy would contribute to better personal financial management and measur- able improvements in consumer credit scores. Credit usage A substantial amount of empirical evidence suggests that individuals with different back- grounds and household situations vary significantly in their use of consumer credit.	cache/fsr-3378.pdf	txt/fsr-3378.txt