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Consumer credit scores as a novel tool for identifying health in urban US neighborhoods

Annals of Epidemiology Aug 07, 2018

Knapp EA, et al. - Researchers compared credit score with traditional markers of area-level socioeconomic position (SEP) in predicting self-rated health, as well as the links between area-level credit score and individual self-rated health. They combined Equifax estimates of average household credit score in 2015 among 9-digit zip code regions with a representative survey of 2,083 residents of Philadelphia to determine the correlation with income, housing value, education, and occupational status then predicted the odds of self-rated health for credit score and each SEP measure. Findings suggest that health outcomes could be assessed using credit score as complementary to traditional measures of SEP. Credit score was moderately correlated with SEP markers, as each standard deviation increase in credit score correlated with 26% greater odds of better self-rated health, after adjusting for area and individual level SEP and demographic factors.

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