«We continue to see migration from 60 - plus - day to 90 - plus - day delinquencies within the 2006 vintage, suggesting that homeowners who
experience early delinquencies are finding it increasingly difficult to refinance or work out problems, as opposed to being able to cure falling behind on payments,» the rating agency said.
Specifically, researchers have found that harsh parenting
experienced during adolescence exerts stronger effects on outcomes of
delinquency and offending measured in adolescence and young adulthood relative to harsh parenting
experienced solely during
early childhood [64, 65].