Utility Payment Reporting Programs and Credit Score Impact
Priya Shenoy8 min read
Thin Margin — Page 2
A publication on the lived economics of tight budgets — the trade-offs, workarounds, and structural barriers shaping financial life for lowe
Credit Scores · Folk Finance
12 entries · Thin Margin
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12 entries
Credit Repair Industry Practices and Regulatory Limits
Desiree Okafor10 min read
How VantageScore and FICO Differ for Thin-File Consumers
VantageScore scores millions more thin-file consumers whom FICO cannot score at all.
Priya Shenoy9 min read
What Credit-Invisible Life Actually Costs
Millions of unscored Americans pay hidden surcharges on rent, insurance, and loans.
Tomás Villanueva-Cruz11 min read
Employment Credit Checks and Their Disparate Impact
Priya Shenoy11 min read
Credit Scores as Rental Housing Gatekeepers
Tomás Villanueva-Cruz11 min read
Pawn Shop Economics Compared to Personal Loan Alternatives
Marcus Ellenbogen10 min read
Store Credit Cards as a Workaround for Thin-File Consumers
Desiree Okafor9 min read
Gig Stacking and the True Economics of Multiple Income Streams
Most gig stackers lose more to fees, taxes, and hidden costs than they realize.
Priya Shenoy11 min read
Layaway Programs in the Era of Buy Now Pay Later
BNPL's instant gratification masks stacking debt and overdraft risks that layaway never created.
Tomás Villanueva-Cruz9 min read
How Lending Circles Work and What They Actually Cost
Marcus Ellenbogen10 min read
Bill Juggling as a Household Financial Strategy
Desiree Okafor9 min read