@techreport{NBERw13873,
 title = "An Empirical Study of the Credit Market with Unobserved Consumer Typers",
 author = "Li Gan and Roberto Mosquera",
 institution = "National Bureau of Economic Research",
 type = "Working Paper",
 series = "Working Paper Series",
 number = "13873",
 year = "2008",
 month = "March",
 URL = "http://www.nber.org/papers/w13873",
}