Material Listing

The authors find that while homeowner's credit quality improved between 1989 and 2001, renter's credit quality declined significantly. The report further indicates that the decline is more pronounced among the young, those with low income, and ethnic minorities.

Advocates may find this report helpful for its review of research covering the intersection of credit and homeownership. It also indicates that education may be critical to credit quality and homeownership opportunities.

The article makes the case that rent and utility payment history and landlord references are more appropriate indicators of creditworthiness. It also calls for individual review of each applicant's circumstances, while taking into account a variety of factors, in order to create a fair review system that will promote the goals of affordable housing.

This NCRC survey discusses HMDA data from 15 large lending institutions. The executive summary describes chronic fair lending disparities primarily affecting communities of color, women, and low and moderate-income borrowers.

Advocates may find this short piece helpful for a basic understanding of credit counseling services, including debt management plans (DMPs).

It includes data and statistics, history, an analysis of common problems, and recommendations for change. Information in the report pre-dates the final passage of bankruptcy reform, yet still has application in terms of understanding the industry and reforms that need to be considered. Consumer materials on selecting a credit counseling agency are provided. The report includes a 3-page executive summary.

Advocates may find this document helpful for its in-depth review of the credit counseling industry.