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Credit Health during the COVID-19 Pandemic

(Updated on March 2, 2022): This dataset was originally published on February 25, 2021 and was updated on March 2, 2022. This dataset contains statistics presented in the Credit Health During the COVID-19 Pandemic feature. From February 2020 to February 2021, these statistics are based on a 2 percent nationally representative panel of deidentified, consumer-level records from a major credit bureau and contain data on more than five million consumers. We enriched the panel with an additional 2 percent sample of consumer-level records in August 2021 to better characterize the credit health of consumers in less populated areas. From February 2020 to February 2021, we augment the credit bureau data with information on alternative financial service loans on the consumers in our panel from a Fair Credit Reporting Act–regulated agency, whose unique data source is derived from a variety of financial service providers, including online small-dollar lenders, online installment lenders, storefront small-dollar lenders, and lenders providing single payment, line of credit, auto title, and rent-to-own products.

These fields are compatible with DCAT, an RDF vocabulary designed to facilitate interoperability between data catalogs published on the Web.
Release Date
Temporal Coverage
2020-02-01 00:00 to 2021-08-01 00:00
Contact Name
Urban Institute
Contact Email
Public Access Level
These fields are specific to Urban Institute.
Related Content
Geographic Level
Data Value
Data Quality or Limitations

See technical appendix.

Citation Requirements

Kassandra Martinchek, Alex Carther, Breno Braga, Caleb Quakenbush, and Signe-Mary McKernan. 2022. Credit Health during the COVID-19 Pandemic Dataset. Urban Institute. Accessible from