Department of Epidemiology, Johns Hopkins Bloomberg School of Public Health, Baltimore, MD, USA.
Department of Psychology, University of Alabama at Birmingham, Birmingham, AL, USA.
J Aging Health. 2023 Oct;35(9_suppl):84S-94S. doi: 10.1177/08982643221113715.
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).
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.
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.
Credit declines may signal risk for future MCI. MCI may lead to financial challenges that warrant credit monitoring interventions for older adults.
我们评估了患病前和患病后的消费者信贷记录（信用评分、未偿还债务或逾期债务）与轻度（或更严重）认知障碍（MCI）分类之间的关系。
广义估计方程模型评估了高级认知训练独立和活力老年人（ACTIVE）研究中 1740 名 65 岁以上参与者的患病前和患病后的信用记录与 TransUnion 消费者信贷数据之间的关系，以及 MCI 风险。
信用评分每增加 50 分，未来 3 年内 MCI 的几率就会降低 8%左右。相比之下，新的逾期债务使未来 3 年内患有 MCI 的几率增加了一倍多。MCI 与随后的信用评分下降以及未来 4 年内新的未偿还债务的风险增加 47%-71%有关。
信用下降可能预示着未来 MCI 的风险。MCI 可能导致财务挑战，这需要对老年人进行信用监测干预。
