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JOURNAL OF ACCOUNTING AND FINANCE
The Impact of Creditworthiness on Financial Well-Being, Anxiety, Depression, Hopelessness, and Suicide
Author(s): Cathie Hughes
Citation: Cathie Hughes, (2021) "The Impact of Creditworthiness on Financial Well-Being, Anxiety, Depression, Hopelessness, and Suicide," Journal of Accounting and Finance, Vol. 21, Iss. 3, pp. 143-160
Article Type: Research paper
Publisher: North American Business Press
Abstract:
Creditworthiness, defined by financial institutions’ credit scoring systems, classify people according to categories of risk. Decision metrics and scorecard implementations are determinants that serve as a financial gateway to access the most basic human needs for safety and wellbeing. For those with no credit or credit scores less than excellent, escalating negative circumstances lead to adverse life events associated with financial stress, widening socioeconomic disparities, and worsening biopsychosocial conditions. The impact of creditworthiness on financial wellbeing and negative psychological constructs were explored through quantitative research with a focus on improving these factors through a credit restoration intervention.
