{"doi":"10.1093/geroni/igae016","title":"Does Consumer Credit Precede or Follow Health Among Older Adults? An Investigation in the Advanced Cognitive Training for Independent and Vital Elderly (ACTIVE) Trial","abstract":"Background and Objectives: Consumer credit has shown increasing relevance to the health of older adults; however, studies have not been able to assess the extent to which creditworthiness influences future health or health influences future creditworthiness. We assessed the relationships between 4-year pre and postmorbid consumer credit history and self-rated physical and mental health outcomes among older adults. Research Design and Methods: Generalized estimating equations models assessed pre and postmorbid credit history (credit scores, derogatory accounts, and unpaid accounts in collections) and the onset of poor self-rated health (SF-36 score <50) among 1,740 participants aged 65+ in the Advanced Cognitive Training for Independent and Vital Elderly study from 2001 to 2017, linked to TransUnion consumer credit data. Results: In any given year, up to 1/4 of participants had a major derogatory, unpaid, or collections account, and up to 13% of the sample had poor health. Each 50-point increase in credit score trended toward a 5% lower odds of poor health in the next 1 year, a 6% lower odds in the next 2 years, and a statistically significant finding of 13% lower odds by 3 years. A drop in credit score was associated with a 10% greater odds of poor health in the next year, and having a major derogatory account was associated with an 86% greater odds of poor health in the next 3 years. After poor health onset, credit scores continued to see significant losses up to the 3 years, with larger decrements over time. Discussion and Implications: Having a major derogatory account or a sudden loss in credit may be a time to monitor older adults for changes in health. After a downturn in health, supporting older adults to manage their debt may help stabilize their credit.","journal":"Innovation in Aging","year":2024,"id":479515,"datarank":0.0,"base_score":0.0,"endowment":0.0,"self_citation_contribution":0.0,"citation_network_contribution":0.0,"self_endowment_contribution":0.0,"citer_contribution":0.0,"corpus_percentile":null,"corpus_rank":null,"citation_count":1,"citer_count":0,"citers_with_citation_signal":0,"citers_with_endowment":0,"datacite_reuse_total":0,"is_dataset":false,"is_dataset_confidence":0.9649,"is_data_producer":false,"deposit_databanks":null,"is_oa":true,"file_count":0,"downloads":0,"has_version_chain":false,"published_date":"2024-01-01","fair_score":null,"fair_percentile":null,"algorithm_id":"datarank_citation_only_1hop_v6","ranking_scope":"data_only","authors":[{"id":425285,"name":"Shang-en Chung","orcid":null,"position":1,"is_corresponding":false},{"id":322305,"name":"Alden L. Gross","orcid":"0000-0002-4678-0562","position":2,"is_corresponding":false},{"id":583098,"name":"Olivio J. Clay","orcid":"0000-0002-7529-6120","position":3,"is_corresponding":false},{"id":918598,"name":"Sherry L. Willis","orcid":"0000-0002-1404-179X","position":4,"is_corresponding":false},{"id":671075,"name":"Ian M. McDonough","orcid":"0000-0003-0907-8931","position":5,"is_corresponding":false},{"id":316753,"name":"Kelsey R. Thomas","orcid":"0000-0003-4277-8876","position":6,"is_corresponding":false},{"id":277892,"name":"Michael Marsiske","orcid":"0000-0001-5973-2116","position":7,"is_corresponding":false},{"id":1318657,"name":"Jaya Aysola","orcid":"0000-0002-8474-3682","position":8,"is_corresponding":false},{"id":272234,"name":"Roland J. Thorpe","orcid":"0000-0002-4448-4997","position":9,"is_corresponding":false},{"id":752132,"name":"Cynthia Felix","orcid":"0000-0002-4283-4498","position":10,"is_corresponding":false},{"id":1318993,"name":"Melissa Berkowitz","orcid":null,"position":11,"is_corresponding":false},{"id":345830,"name":"Norma B. Coe","orcid":"0000-0003-1228-0938","position":12,"is_corresponding":false},{"id":411959,"name":"Lorraine T. Dean","orcid":"0000-0002-2272-2755","position":0,"is_corresponding":true}],"reference_count":76,"raw_metadata":null,"created_at":"2026-07-19T02:06:54.284166Z","pmid":"38511203","pmcid":null,"fwci":null,"citation_percentile":null,"influential_citations":0,"oa_status":null,"license":null,"views":0,"total_file_size_bytes":0,"version_count":0,"fair_f":null,"fair_a":null,"fair_i":null,"fair_r":null,"fair_zscore":null,"fair_rationale":null,"fair_model":null,"fair_agent_version":null,"fair_fulltext_source":null,"fair_has_llm":null,"fair_computed_at":null,"clinical_trials":[],"software_tools":[],"db_accessions":[],"linked_datasets":[],"topics":[]}