Credit scores, race, and residential sorting (Record no. 37782)
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| 000 -LEADER | |
|---|---|
| fixed length control field | 01573naa a2200181uu 4500 |
| 001 - CONTROL NUMBER | |
| control field | 0121514200537 |
| 003 - CONTROL NUMBER IDENTIFIER | |
| control field | OSt |
| 005 - DATE AND TIME OF LATEST TRANSACTION | |
| control field | 20190211174159.0 |
| 008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION | |
| fixed length control field | 101215s2010 xx ||||gr |0|| 0 eng d |
| 999 ## - SYSTEM CONTROL NUMBERS (KOHA) | |
| Koha Dewey Subclass [OBSOLETE] | PHL2MARC21 1.1 |
| 041 ## - LANGUAGE CODE | |
| Language code of text/sound track or separate title | eng |
| 100 1# - MAIN ENTRY--PERSONAL NAME | |
| Personal name | NELSON, Ashlin Aiko |
| 9 (RLIN) | 43402 |
| 245 10 - TITLE STATEMENT | |
| Title | Credit scores, race, and residential sorting |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. | |
| Place of publication, distribution, etc. | Hoboken : |
| Name of publisher, distributor, etc. | Wiley-Blackwell, |
| Date of publication, distribution, etc. | Winter 2010 |
| 520 3# - SUMMARY, ETC. | |
| Summary, etc. | Credit scores have a profound impact on home purchasing power and mortgage pricing, yet little is known about how credit scores influence households' residential location decisions. This study estimates the effects of credit scores on residential sorting behavior using a novel mortgage industry data set combining household demographic, credit, and financial data with property location information and detailed community attribute data. I employ the data set to estimate a discrete-choice residential sorting model. I find that credit scores significantly predict residential sorting behavior and models that do not account for credit score provide biased estimates of housing utilities for black households in particular. Simulation results show that increases in credit score are associated with increases in the consumption of higher-priced homes in more expensive school districts, higher-quality public schools, and proximity to urban/metropolitan areas |
| 773 08 - HOST ITEM ENTRY | |
| Title | Journal of Policy Analysis and Management |
| Related parts | 29, 1, p. 39-68 |
| Place, publisher, and date of publication | Hoboken : Wiley-Blackwell, Winter 2010 |
| International Standard Serial Number | ISSN 02768739 |
| Record control number | |
| 942 ## - ADDED ENTRY ELEMENTS (KOHA) | |
| Koha item type | Periódico |
| 998 ## - LOCAL CONTROL INFORMATION (RLIN) | |
| -- | 20101215 |
| Operator's initials, OID (RLIN) | 1420^b |
| Cataloger's initials, CIN (RLIN) | Daiane |
| 998 ## - LOCAL CONTROL INFORMATION (RLIN) | |
| -- | 20110118 |
| Operator's initials, OID (RLIN) | 1711^b |
| Cataloger's initials, CIN (RLIN) | Carolina |
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