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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.

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.

Recovery, Renewal, and Resiliency: Gulf Coast Small Businesses Two Years Later

Recovery, Renewal, and Resiliency: Gulf Coast Small Businesses Two Years Later
August 2007
Recovery, Renewl, and Resiliency: Gulf Coast Small Businesses Two Years Later

The first PERC survey of small businesses in New Orleans and other FEMA-declared disaster areas in the wake of the 2005 hurricanes finds disparate impacts among different segments of business owners. The results also yield insights into the efficacy of existing recovery policy, and identify policy shortcomings and unmet needs.

 

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.

Asia-Pacific Credit Coalition

APCC is a PERC-managed coalition of organizations committed to promoting a regional standard for full-file, comprehensive consumer credit reporting to private credit bureaus within the twenty-one Asia-Pacific Economic Cooperation (APEC) member economies. Please visit PERC's coalition for credit standards in the APEC region, the Asia-Pacific Credit Coalition

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