People with low- to moderate-incomes have less access to credit because they either don’t have a credit score or their score is lower than average. Research shows that such individuals tend to use credit with higher borrowing costs, like payday loans, that increase the likelihood of debt, delinquency and bankruptcy. Liz Deichmann of the St. Louis Federal Reserve Bank discusses her research on the credit barrier and what can be done about it. We also hear from two women who struggled with their own credit and were able to get help from local resources.