Before revision:  We evaluate our approach using call records matched to lending outcomesin a middle income South American country . Individuals in the highest quartile of risk by our measure are 7.4 times more likely to default than those in the lowest quartile.
After revision:  We evaluate our approach using call records matched to lending outcomesin a middle income South American country , individuals in the highest quartile of risk by our measure are 7.4 times more likely to default than those in the lowest quartile.