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.
New to Credit from Alternative Data
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.
Roadmap to Reform: Lessons from around the world to guide consumer credit reporting reform in Australia
PERC’s Roadmap to Reform details the benefits of comprehensive credit reporting, as well as detailing transitional challenges of switching to a full-file system.
Information Sharing and SMME Financing in South Africa: A Survey of the Landscape
This report focuses on the current state of credit access for small, medium, and micro-enterprises in South Africa. In particular, it examines barriers to credit access and viable near-term solutions to reduce or eliminate those barriers.
Recovering But Not Recovered: Gulf Coast Businesses Three Years Later
This is a follow-up to the 2007 small business survey and provides further insight as to the progress of recovery from the hurricanes of 2005. As with the 2007 survey, this year’s survey asked small business owners and operators about the changing state of their business since the 2005 hurricanes, and since August of 2007.
Financial Impacts of Disaster: What We Can Learn from Credit File Data
This report sheds additional light on the impact and aftermath of Hurricane Katrina and the storms of 2005 on individuals, businesses, and communities of the Gulf Coast, using datasets previously not used for such purposes.
You Score You Win: The Consequences of Giving Credit Where Credit is Due
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 Structure of Information Sharing and Credit Access: Lessons for Policy
This white-paper, produced for the Asia-Pacific Credit Coalition, outlines recent developments in the economic impact of information sharing in consumer credit markets.
Using non-traditional data for underwriting loans to thin-file borrowers: Evidence, tips, and precautions
This paper, published in the Journal of Risk Management in Financial Institutions, demonstrates the value of non-traditional data as a powerful tool for consumer credit risk assessment while highlighting some of the potential risks and precautions that lenders need to think about before using these tools.
Economic Fairness Through Smarter Lending: Some Factors to Consider on the Eve of Brazilian Credit Reporting Reform
As the Brazilian congress weighs its options, we survey and analyze the more comprehensive and systematic of the studies to detail important lessons to consider on the eve of credit reporting reform in Brazil.