The Consequences of Prohibiting Credit Inquiry Data in Chilean Credit Files
NCLC Supports the “3 Ps” of Lending: Pawn Shops, Predatory Lenders and Pay Day Lenders
Credit Reporting Customer Payment Data
This study examines the impact and benefits that accrue to consumers, lenders, and utilities and telecommunications firms when telecoms and utilities report customer payment information to credit bureaus.
New to Credit from Alternative Data
Roadmap to Reform: Lessons from around the world to guide consumer credit reporting reform in Australia
You Score You Win: The Consequences of Giving Credit Where Credit is Due
Give Credit Where Credit is Due: Increasing Access to Affordable Mainstream Credit Using Alternative Data
PERC’s landmark study on bringing the estimated 35 to 54 million Americans outside the mainstream credit system into the credit fold, Give Credit Where Credit Is Due offers feasible market solutions involving “alternative” or non-traditional payment data, such as payment obligations such as rent, gas, electric, insurance, and other recurring obligations, to evaluate the risk profile of a potential borrower.
Giving Underserved Consumers Better Access to the Credit System: The Promise of Non-traditional Data
PERC’s initial study on alternative data, Giving Underserved Consumers Better Access to the Credit System examines the likely win-win outcome if non-traditional data is included in credit files.
Got something to add?
PERC is working to build the best online resource for alternative data and information-led development on the Web. If you feel we missed any important resource, please e-mail Jaki Bradley at bradley@perc.net.
PERC's areas of expertise include:
Information-led DevelopmentPERC is a global leader in information-led development, the use of robust sets of information to enable economic development and asset building on a massive scale. See the project page for more information.
Alternative Data
Since 2003, PERC scholars have lectured policy makers on six continents -- from the World Bank to the United States Congress -- on the use of non-financial payment information, such as energy utility and rental payments, for credit scoring and asset building, also known as alternative data. For more information on this signature issue, please see the project page.
Financial Impacts of Disaster
PERC has pioneered the use of credit file and other data sets to track the economic effects of natural disasters and other exogenous shocks, as well as evaluating recovery efforts. Most recently, PERC examined economic recovery in the Gulf Coast after the 2005 hurriances.
Consumer Credit Access in the United States
Dataflows and Global Development
Projects in this category consider the interplay between technological and educational endowments, regulatory regimes, and economic development. Projects in this category have examined the relationship between a variety of factors—from cross-border data flows to credit reporting systems—and how these factors affect developing and developed world economic performance.
Data SecurityWorldwide Sourcing
These activities are focused on the phenomenon of worldwide sourcing (better known as offshore outsourcing) and examining its economic impact domestically and abroad. PERC places particular emphasis on how cross-border data flows, data security practices, and legal frameworks for data protection may affect worldwide sourcing patterns.
Media Concentration and Convergence
Data Privacy
Media comment or questions?
All inquiries should be directed to:
Jaki Bradley
Special Projects Manager
+1 919 338 2798 x 803
bradley@perc.net
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The report offers a broad overview of PERC research on alternative data, specifically focusing on the new to credit consumer population and how their ability to obtain credit is increased through the reporting of alternative data.


