This study was designed to gauge the impact of a personalized credit education service from a national credit bureau on consumer understanding of credit reports and scores as measured by changes in credit scores and results from a participant survey.
Predicting Financial Account Delinquencies with Utility and Telecom Payment Data
This paper examines whether utility and telecom payments (non-financial data) are predictive of either future delinquencies on traditional credit accounts (bank card or mortgages) or of having future derogatory public records.
Is CROA Choking Credit Report Literacy?
This report examines whether the Credit Repair Organizations Act (CROA) is unduly inhibiting the use of needed credit report and education services. It then explores whether the 20 year old CROA could be revised in ways that maintain consumer and credit market protections.
Research Consensus Confirms Benefits of Alternative Data
This paper reviews research carried out by score developers, CRAs, and other organizations on the impacts and potential of alternative data.
The Impacts of Information Sharing on Competition in Lending Markets
This study examines how shifting to full file credit sharing systems might impact lender competition. It specifically explores whether bank concentration falls following a shift to full-file credit sharing.
Credit Bureaus in Emerging Markets: Overview of Ownership & Regulatory Frameworks
Comparing FTC and PERC Studies on Measuring the Accuracy of U.S. Consumer Credit Reports
This report compares findings from the FTC and PERC studies on the data accuracy of U.S. consumer credit reports. The two studies have very similar results.
Summary of A Reexamination of Who Gains and Who Loses from Credit Card Payments
This report is a summary of A Reexamination of Who Wins and Who Loses from Credit Card Payments, which provides an in-depth analysis and reexamination of the theory explored by authors of the Federal Reserve Bank of Boston in 2010 that credit cards and credit card rewards programs lead to a regressive transfer of merchant costs at the point of sale. It examines how sensitive the Boston Fed staff report findings are to variations in the underlying assumptions and modifications to the accounting framework used.
A Reexamination of Who Gains and Who Loses from Credit Card Payments
This report provides an in-depth analysis and reexamination of the theory explored by authors of the Federal Reserve Bank of Boston in 2010 that credit cards and credit card rewards programs lead to a regressive transfer of merchant costs at the point of sale. It examines how sensitive the Boston Fed staff report findings are to variations in the underlying assumptions and modifications to the accounting framework used.
The Credit Impacts on Low-Income Americans from Reporting Moderately Late Utility Payments
“The Credit Impacts on Low-Income Americans from Reporting Moderately Late Utiity Payments,” is a follow-up to the June 2012 report, “A New Pathway to Financial Access.” The new report addressess concerns some had about the impacts of reporting moderately late utility payments for low-income Americans.