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  • The SCF has been conducted every three years since 1983, and the most recent data available are from the 2004 survey.70 Thus, a time-series of families' credit use between 1983 and 2004 can be constructed to contrast trends in credit use by race or ethnicity, income, and age.71 We also examine whether growth in credit scoring increased the use of some types of credit more than others by comparing
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