Average credit scores before and after emergency allotments ended

Line chart showing average quarterly credit scores by race/ethnicity from Q1 2022 through Q4 2023, with a vertical line marking when emergency allotments expired in Q1 2023. Credit scores remain essentially flat for all groups before and after EAs expire. Asian and Pacific Islander participants have the highest scores throughout (around 670), followed by White and Hispanic participants (around 610), with Black participants lowest (around 575).

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The sample includes individuals who were enrolled in CalFresh in 2023Q1 as well as at least one quarter in 2022; were 25-54 years old in 2023Q1; had a valid credit score in at least half of the quarters shown; and could be classified in terms of the size of their EAs in 2022 (N=630,060).

Chart: California Policy LabSource: California Policy Lab analysis of California Department of Social Services and University of California Consumer Credit Panel data.Get the dataEmbed Download image