The Impact of Automated Reminders on Credit Outcomes: Results from an Experimental Pilot Program
The Impact of Automated Reminders on Credit Outcomes: Results from an Experimental Pilot Program
复制标题
自动提醒对信用结果的影响：实验性试点计划的结果
DOI：
10.1111/joca.12252
复制
发表时间：
2019
影响因子：
2.8
通讯作者：
Stephanie Moulton
中科院分区：
文献类型：
--
作者：
S. Roll;Stephanie Moulton
这项研究评估了一个自动提醒程序的影响，该程序旨在帮助信用咨询消费者管理他们的付款义务和财务目标。信用咨询消费者被随机分配到与他们的财务目标和付款义务相关的提醒，在最初的信用咨询会议结束后一年内。我们发现，与对照组相比，提供提醒的消费者经历严重(60天以上)拖欠款项的可能性降低21%，经历30天以上拖欠的可能性降低12%。与此同时，这些消费者的信用评分比对照组提高了10.5分。这对信用卡总余额或分期付款债务水平没有显著影响。这一分析提供了有希望的证据，表明当涉及到改善消费者的信用状况时，自动提醒可以为传统的信用咨询提供重要的补充，而且成本相当低。
This study evaluates the impact of an automated reminder program designed to help credit counseling consumers manage their payment obligations and financial goals. Credit counseling consumers were randomly assigned to receive reminders linked to their financial goals and payment obligations for one year after an initial credit counseling session. We find that consumers offered reminders were 21% less likely than the control to experience severe (60+ day) payment delinquencies and were 12% less likely to experience a 30+ day delinquency. At the same time, these consumers saw a 10.5 point increase in credit scores relative to the control group. There were no significant impacts on total credit card balances or installment debt levels. This analysis provides promising evidence that automated reminders can provide an important complement to traditional credit counseling when it comes to improving consumers' credit profiles and does so at a fairly low cost.