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Data point: Credit invisibles

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse. This fourth data point provides analysis of consumers with limited credit histories.

Note: This report was initially published in May 2015. In June 2025, the CFPB released a new report with updated data and a methodological correction.

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Data point: Credit invisibles


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