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The Importance of the National Credit Reporting System to Consumers and the U.S. Economy

Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 242

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The Importance of the National Credit Reporting System to Consumers and the U.S. Economy

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The U. S. Credit Reporting System

Author: Kendrick A. Minor
Publisher:
ISBN: 9781626183087
Category : Consumer credit
Languages : en
Pages : 0

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Book Description
This work describes the credit reporting infrastructure at the three largest nation-wide consumer reporting agencies (NCRAs), Equifax Information Services LLC, TransUnion LLC, and Experian Information Solutions Inc., with a special focus on the infrastructure and processes currently used by the NCRAs to collect, compile, and report information about consumers in the form of credit reports.

Financial Privacy

Author: Nicola Jentzsch
Publisher: Springer Science & Business Media
ISBN: 3540733787
Category : Political Science
Languages : en
Pages : 291

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Book Description
In this updated edition, author Nicola Jentzsch provides an in-depth analysis of the economics and regulation of financial privacy. You get a comparative overview of credit reporting systems in the US and in the 27 member states of the European Union. This is the "most in-depth study of the history and economics of credit reporting to date," according to David Medine, former Associate Director of the U.S. Federal Trade Commission.

Credit Reporting Systems and the International Economy

Author: Margaret J. Miller
Publisher: MIT Press
ISBN: 9780262134224
Category : Business & Economics
Languages : en
Pages : 484

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Book Description
The first comprehensive review of credit reporting systems worldwide, including their institutional forms and evidence of their impact on financial markets. Credit reporting is a critical part of the financial system in most developed economies but is often weak or absent in developing countries. It addresses a fundamental problem of credit markets: asymmetric information between borrowers and lenders that can lead to adverse selection and moral hazard. The heart of a credit report is the record it provides of an individual's or a firm's payment history, which enables lenders to evaluate credit risk more accurately and lower loan processing time and costs. Credit reports also strengthen borrower discipline, since nonpayment with one institution results in sanctions with others. This book provides the first comprehensive review of credit reporting systems worldwide and documents the rapid growth in the industry. It offers empirical and theoretical evidence of the impact of credit reporting on financial markets, using examples from both developed and developing economies. Credit reporting, it shows, significantly contributes to predicting default risk of potential borrowers, which promotes increased lending activity. The book also covers the role of public policy in the development of credit reporting initiatives, including the role of public credit registries managed by central banks; and the role of legal, regulatory, and institutional factors in supporting credit reporting.

An Overview of the Credit Reporting System

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Credit Scores & Credit Reports

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.