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.

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.

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.

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.

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.

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.