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Category Archives: PERC
Quality of Consumer Credit Information: PERC report and FTC Report Share a Number of Similarities
Results from the 2011 Policy and Economic Research Council (PERC) report U.S. Consumer Credit Reports: Measuring Accuracy and Dispute Rates are similar to the recently released Federal Trade Commission (FTC) report on the accuracy of consumer credit reports maintained by … Continue reading
Credit Impacts of More Comprehensive Credit Reporting in Australia and New Zealand
PERC released a report on the impact of comprehensive credit reporting in Australia and New Zealand. The report summarizes the results from a pioneering joint undertaking by PERC and Dun & Bradstreet Australasia using credit data from 1.8 million Australians. … Continue reading
Posted in Australia, Consumer Credit Information, Credit Bureau News, D&B Australia, Member, Member News, PERC, PERC, Users of Information
Tagged Australia and New Zealand Legislation on Comprehensive Credit Reporting, Australian Risk Climate, PERC & D&B on Comprehensive Credit Reporting
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PERC Testifies Before U.S. House of Representatives on Use of Utilities Credit Data
Michael TurnerPERC president and CEO Dr. Michael Turner testified before the U.S. House of Representatives Subcommittee on the Financial Institutions and Consumer Credit. The hearing, “Examining the Uses of Consumer Credit Data,” was held to discuss issues related to credit reporting agencies … Continue reading
PERC releases new report, “The Credit Impacts on Low-Income Americans from Reporting Moderately Late Utility Payments”
In response to questions regarding the June 2012 release of the report, “A New Pathway to Financial Inclusion,” the Policy and Economic Research Council (PERC) released a follow-up report focusing on the impacts of reporting moderately late payments to (CRAs), … Continue reading
PERC Releases Study on Comprehensive Credit Reporting in Australia
PERC released a new study detailing the impacts of more comprehensive credit reporting in Australia and New Zealand. The report, Credit Impacts of More Comprehensive Credit Reporting in Australia and New Zealand, summarizes the results from a joint undertaking by … Continue reading
Posted in Australia, Consumer Credit Reporting, Credit Reporting, D&B, D&B Australia, Member, Member News, New Zealand, PERC, PERC
Tagged Comprehensive Credit Reporting, Dr. Michael Turner, Dun & Bradstreet Australia, omprehensive reporting in Australia and New Zealand, PERC, PERC Study on C
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Use of Alternative Data for Financial Inclusion Spreading Globally: Mobile Phone and Social Network Data Show Promise
PERC lauds the initiative taken by the Consultative Group to Assist the Poor (CGAP) of the World Bank Group to drive financial inclusion using mobile phone call log data or the call detail record (CDR) as part of a person’s … Continue reading
US Credit Reports Are 99% Accurate – Why Would CFPB Want to Rewrite the Rules?
Investor’s Business Daily lambasted claims made by Richard Cordray, the head of the Consumer Financial Protection Bureau (CFPB), at a Detroit credit reporting hearing. Cordray claimed that ‘inaccurate’ credit reports and scores may be ‘unfairly blocking’ some people from obtaining … Continue reading
A New Pathway to Financial Inclusion: Alternative Data, Credit Building, and Responsible Lending in the Wake of the Great Recess
This PERC study compares results with data from2005/2006 and 2009/2010 credit reports to assess the consumer credit impact of including fully reported alternative data in credit reports. The data was selected to capture the period during which unemployment and late … Continue reading
Alternative Data Repairs Bad Credit, Increases Credit Access
At a briefing on Capitol Hill, the Policy and Economic Research Council (PERC) released a report on the consumer credit impacts of including fully reported (timely and late payment data) non-financial payment data (so-called “alternative data”) in consumer credit reports. … Continue reading
Happy Birthday PERC!
BIIA congratulates PERC and its President Dr. Michael Turner for their 10th Anniversary. The Policy and Economic Research Council (PERC) is a non-partisan, non-profit policy institute devoted to research, public education, and outreach on public and economic policy matters. PERC … Continue reading