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The Consequences of Prohibiting Credit Inquiry Data in Chilean Credit Files

The Consequences of Prohibiting Credit Inquiry Data in Chilean Credit Files
February 2010

This paper assesses the consequences of proposed Chilean legislation to prohibit the sharing of credit inquiry data.

Credit Access

NCLC Supports the “3 Ps” of Lending: Pawn Shops, Predatory Lenders and Pay Day Lenders

NCLC Supports the “3 Ps” of Lending: Pawn Shops, Predatory Lenders and Pay Day Lenders
November 2009

Credit Access

Credit Reporting Customer Payment Data

Credit Reporting Customer Payment Data
April 2009
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

New to Credit from Alternative Data
March 2009
New to Credit from Alternative Data

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.

Roadmap to Reform: Lessons from around the world to guide consumer credit reporting reform in Australia

Roadmap to Reform: Lessons from around the world to guide consumer credit reporting reform in Australia
October 2008
Roadmap to Reform: Lessons from around the world to guide consumer credit reporting reform in Australia

PERC's Roadmap to Reform details the benefits of comprehensive credit reporting, as well as detailing transitional challenges of switching to a full-file system.

You Score You Win: The Consequences of Giving Credit Where Credit is Due

You Score You Win: The Consequences of Giving Credit Where Credit is Due
July 2008
You Score You Win:  The Consequences of Giving Credit Where Credit is Due

A follow-up to PERC's ground-breaking report on alternative data, this study examines the long-term effects of using non-traditional data in credit files using quantitative analysis.

Give Credit Where Credit is Due: Increasing Access to Affordable Mainstream Credit Using Alternative Data

Give Credit Where Credit is Due: Increasing Access to Affordable Mainstream Credit Using Alternative Data
December 2006
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

Giving Underserved Consumers Better Access to the Credit System: The Promise of Non-traditional Data
June 2005
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 Development

PERC 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 Security

Worldwide 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