Files contained in two folders

1) data
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It contains all data necessary to replicate Tables 1-4 and Figures 1-3.
We cannot provide the data needed to replicate Tables 5-7 as it was obtained via special contract of the Federal Reserve System with Equifax.
Contact Equifax directly to obtain the data.

Data is provided both in stata and as ASCII files

2) programs
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It contains Stata programs to replicate all Tables and Figures in the manuscript. Programs are named after the Table or Figure they produce.
(Note some manual manipulation of the Tables is done for aestetics reasons in the manuscript)

