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Author: Evan Hendricks
Publisher:
ISBN: 9780964548619
Category : Business & Economics
Languages : en
Pages : 364
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Book Description
This book is a consumer instruction manual for the credit reporting and credit scoring systems. Although these credit systems directly effect the financial standing of millions of Americans, few people understand them.
Author: Evan Hendricks
Publisher:
ISBN: 9780964548619
Category : Business & Economics
Languages : en
Pages : 364
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Book Description
This book is a consumer instruction manual for the credit reporting and credit scoring systems. Although these credit systems directly effect the financial standing of millions of Americans, few people understand them.
Author: Josh Lauer
Publisher: Columbia University Press
ISBN: 0231544626
Category : History
Languages : en
Pages : 393
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Book Description
The first consumer credit bureaus appeared in the 1870s and quickly amassed huge archives of deeply personal information. Today, the three leading credit bureaus are among the most powerful institutions in modern life—yet we know almost nothing about them. Experian, Equifax, and TransUnion are multi-billion-dollar corporations that track our movements, spending behavior, and financial status. This data is used to predict our riskiness as borrowers and to judge our trustworthiness and value in a broad array of contexts, from insurance and marketing to employment and housing. In Creditworthy, the first comprehensive history of this crucial American institution, Josh Lauer explores the evolution of credit reporting from its nineteenth-century origins to the rise of the modern consumer data industry. By revealing the sophistication of early credit reporting networks, Creditworthy highlights the leading role that commercial surveillance has played—ahead of state surveillance systems—in monitoring the economic lives of Americans. Lauer charts how credit reporting grew from an industry that relied on personal knowledge of consumers to one that employs sophisticated algorithms to determine a person's trustworthiness. Ultimately, Lauer argues that by converting individual reputations into brief written reports—and, later, credit ratings and credit scores—credit bureaus did something more profound: they invented the modern concept of financial identity. Creditworthy reminds us that creditworthiness is never just about economic "facts." It is fundamentally concerned with—and determines—our social standing as an honest, reliable, profit-generating person.
Author: Clark R. Abrahams
Publisher: John Wiley & Sons
ISBN: 0470461683
Category : Business & Economics
Languages : en
Pages : 320
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Book Description
Credit Risk Assessment The New Lending System for Borrowers, Lenders, and Investors Credit Risk Assessment: The New Lending System for Borrowers, Lenders, and Investors equips you with an effective comprehensive credit assessment framework (CCAF) that can provide early warning of risk, thanks to its forward-looking analyses that do not rely on the premise that the past determines the future. Revealing how an existing credit underwriting system can be extended to embrace all relevant factors and business contexts in order to accurately classify credit risk and drive all transactions in a transparent manner, Credit Risk Assessment clearly lays out the facts. This well-timed book explores how your company can improve its current credit assessment system to balance risk and return and prevent future financial disruptions. Describing how a new and comprehensive lending framework can achieve more complete and accurate credit risk assessment while improving loan transparency, affordability, and performance, Credit Risk Assessment addresses: How a CCAF connects borrowers, lenders, and investors—with greater transparency The current financial crisis and its implications The root cause to weaknesses in loan underwriting practices and lending systems The main drivers that undermine borrowers, lenders, and investors Why a new generation of lending systems is needed Market requirements and how a comprehensive risk assessment framework can meet them The notion of an underwriting gap and how it affects the lenders' underwriting practices Typical issues associated with credit scoring models How improper use of credit scoring in underwriting underestimates the borrower's credit risk The ways in which the current lending system fails to address loan affordability How mortgage and capital market financial innovation relates to the crisis
Author: W. Gifford Hoag
Publisher:
ISBN:
Category : Political Science
Languages : en
Pages : 316
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Book Description
Author: Sinha, G. R.
Publisher: IGI Global
ISBN: 1799847853
Category : Education
Languages : en
Pages : 327
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Book Description
In educational institutions, outcome-based education (OBE) remains crucial in measuring how certain teaching techniques are impacting the students’ ability to learn. Currently, these changes in students are mapped by analyzing the objectives and outcomes of certain learning processes. International accreditation agencies and quality assessment networks are all focusing on mapping between outcomes and objectives. The need of assessment tools arises that can provide a genuine mapping in the global context so that students or learners can achieve expected objectives. Assessment Tools for Mapping Learning Outcomes With Learning Objectives is a pivotal reference source that provides vital research on the implementation of quality assessment methods for measuring the outcomes of select learning processes on students. While highlighting topics such as quality assessment, effective employability, and student learning objectives, this book is ideally designed for students, administrators, policymakers, researchers, academicians, practitioners, managers, executives, strategists, and educators seeking current research on the application of modern mapping tools for assessing student learning outcomes in higher education.
Author: Scott B. MacDonald
Publisher: Transaction Publishers
ISBN: 0765800853
Category : Business & Economics
Languages : en
Pages : 326
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Book Description
This volume examines the evolution of credit in the western world and its relationship to power. Spanning several centuries of human endeavour, it focuses on western Europe and the United States and also considers how the western system became the global credit system.
Author: Andre Coakley
Publisher:
ISBN: 9781089704126
Category :
Languages : en
Pages : 138
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Book Description
Become the master of your credit with the expert knowledge of a credit repair pro. An Attempt to Repair America's Broken Credit System is a credit repair and management guide written by professional credit repair expert Andre' Coakley. Delving into the world of credit reports, scores, and agencies, Andre' pulls back the curtain on the inner workings and shows us the legal tricks and loopholes that the bureaucrats don't want you to know. From managing credit through marriage and divorce, to filing dispute letters and the powerful 10-day fix for raising your credit score, this book contains a wealth of invaluable knowledge about the credit system - and how to stay on top.
Author: Bud Hibbs
Publisher:
ISBN: 9780976129301
Category : Collection agencies
Languages : en
Pages : 227
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Book Description
Bud Hibbs teaches others how to eliminate the fear and actively solve credit problems with proven techniques which are backed by more than 15 years of consumer credit experience.Guilty Until Proven Innocent is a comprehensive, easy-to-understand manual for righting the wrongs of a credit system designed to be unfair to the consumer.
Author: Randall D. Germain
Publisher: Cambridge University Press
ISBN: 9780521598514
Category : Business & Economics
Languages : en
Pages : 226
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Book Description
In this book, Randall Germain explores the international organization of credit in a changing world economy. At the centre of his analysis is the construction of successive international organisations of credit, built around principal financial centres (PFCs) and constituted by overlapping networks of credit institutions, mainly investment, commercial, and central banks. A critical historical approach to international political economy (IPE) allows Germain to stress both the multiple roles of finance within the world economy, and the centrality of financial practices and networks for the construction of monetary order. He argues that the private global credit system which replaced Bretton Woods is anchored unevenly across the world's three principal financial centres: New York, London, and Tokyo. This balance of power is irrevocably fragmented with respect to relations between states, and highly ambiguous in terms of how power is exercised between public authorities and private financial institutions.
Author: Nektarios Michail
Publisher: Springer Nature
ISBN: 3030643840
Category : Business & Economics
Languages : en
Pages : 257
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Book Description
While paramount to the modern economy, understanding how the banking system works has been usually cast aside from overall economic education. Even in the aftermath of the recent financial crisis, which has underlined the vital importance of banking in the economy, the workings of the sector remain a black box. To this end, this book provides a comprehensive and easy to read review of the banking sector, covering all issues related to commercial and investment banking and providing experienced as well as non-expert readers the opportunity to expand their knowledge on these topics. After going through the book, readers have the opportunity to gain a deeper knowledge regarding the commercial and investment functions of the banking sector and the ability to evaluate the potential outcome of policy actions.
