To gauge the impacts of providing the CBL, surveyors from IPA and RAND visited seven SLCCU branches and members that are identified

who had been generally speaking thinking about building their credit. For members who had been thinking about increasing their credit, surveyors described the CBL and asked it up if they were interested in taking.

Participants whom didn’t show interest are not within the assessment.

Scientists randomly assigned the 1,531 users who have been thinking about the CBL to either be provided the loan instantly or in the condition they finished a one-hour online monetary training program. [...]