Credit and Credibility: Homeownership and Identity Management in the Midst of the Foreclosure Crisis

This article explores how homeowners threatened with foreclosure attribute responsibility for their troubles and manage the stigma of mortgage default. In light of widespread home loss, at‐risk owners develop an understanding of the crisis as a collective experience and yet still experience stigma and employ identity management techniques to construct themselves as responsible homeowners. Based on interviews and fieldwork, this article explores the tension between collective and individual responsibility and the implications of this attribution for identity.