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Does Consumer Credit Precede or Follow Changes in Cognitive Impairment Among Older Adults? An Investigation in the Advanced Cognitive Training for Independent and Vital Elderly (ACTIVE) Trial.

Author information

Affiliations

  • 1. Department of Epidemiology, Johns Hopkins Bloomberg School of Public Health, Baltimore, MD, USA.
      Authors
    • Dean LT 1
    • Chung SE 1
    • Gross AL 1
    (3 authors)
  • 2. Department of Psychology, University of Alabama at Birmingham, Birmingham, AL, USA.
      Authors
    • Clay OJ 2
    • Crowe M 2
    (2 authors)
  • 3. University of Washington, Seattle, WA, USA.
      Authors
    • Willis SL 3
    (1 author)
  • 4. Department of Psychology, University of Alabama, Tuscaloosa, AL, USA.
      Authors
    • McDonough IM 4
    (1 author)
  • 5. VA San Diego Healthcare System and Department of Psychiatry, San Diego School of Medicine, University of California, San Diego, CA, USA.
      Authors
    • Thomas KR 5
    (1 author)
    • Show all (9)

ORCIDs linked to this article

Journal of Aging and Health, 01 Oct 2023, 35(9_suppl):84S-94S
https://doi.org/10.1177/08982643221113715 PMID: 37994853 

Abstract 

Objectives

We assessed the relationships between pre- and post-morbid consumer credit history (credit scores, debts unpaid, or in collections) and classification of mild (or greater) cognitive impairment (MCI).

Methods

Generalized Estimating Equation models assessed pre-and post-morbid credit history and MCI risk among 1740 participants aged 65+ in the Advanced Cognitive Training for Independent and Vital Elderly (ACTIVE) study, linked to TransUnion consumer credit data.

Results

Each 50-point increase in credit score was associated with up to 8% lower odds of MCI in the next 3 years. In contrast, new unpaid collections over doubled the odds of having MCI in the next 3 years. MCI was associated with subsequent credit score declines and a 47%-71% greater risk of having a new unpaid collection in the next 4 years.

Discussion

Credit declines may signal risk for future MCI. MCI may lead to financial challenges that warrant credit monitoring interventions for older adults.

Full text links 

Read article at publisher's site: https://doi.org/10.1177/08982643221113715

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Funding 

Funders who supported this work.

NIA NIH HHS (3)

National Institute on Aging (3)

U.S. Department of Veterans Affairs Clinical Sciences Research and Development Service (1)