Abstract
In this study, I explore whether emails that alert consumers to freely available credit score increase attention to personal financial accounts. A sample of credit union members are randomly assigned to receive an email message that highlights different motivations for viewing one’s score, including a simple reminder, social information, and monitoring for identity theft and errors. I find that message receipt does not increase attention to credit union accounts overall as measured by online account login activity. However, the messages are effective for subgroups of the sample. Examination of the daily log in data using panel data methods reveals timing of the treatment response. This study shows the potential for messaging interventions to increase attention to financial accounts and implications for policy.
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