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How accurately do consumers report their debts in household surveys?

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  • Carlos Madeira

Abstract

This article advances upon previous studies by using a unique match of a representative sample of individual borrowers from the Chilean Household Finance Survey and their banking loan records. I show that surveys differ from the credit registry, both in the number of loans reported and the debt amounts, with a substantial degree of heterogeneity. Delinquency status is accurately reported by survey respondents. Furthermore, a substantial fraction of the discrepancies can be explained by rounding error in survey answers. Finally, I find that discrepancies are larger when respondents are not the highest-income member of the family.

Suggested Citation

  • Carlos Madeira, 2026. "How accurately do consumers report their debts in household surveys?," Working Papers Central Bank of Chile 1069, Central Bank of Chile.
    • Handle: RePEc:chb:bcchwp:1069
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    File URL: https://www.bcentral.cl/documents/33528/133326/Documento+de+Trabajo+1069.pdf/1eb828bc-ef91-79cc-c623-9103a22b7aeb?t=1772657310880
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