Suppression/Deletion Report Release

Join us for the release of “Why Addition is Better than Subtraction: Measuring Impacts from System-Wide Deletion and Suppression of Derogatory Data in Credit Reporting.”

The study, authored by the Policy and Economic Research Council (PERC) and supported by the Society for Financial Education and Professional Development (SFE&PD), simulated the impacts of large-scale suppression and deletion of negative credit information proposed in draft COVID-19 response legislation. The report found that access to credit would have declined broadly, but members of low-income and minority consumers, as well as young consumers, would have been disproportionately harmed. The study also offers an alternative approach to protect consumers during exogenous shocks without harming their credit standing. These findings and their implications will be discussed during the panel.


  • Opening remarks by Dr. Michael Turner (CEO of PERC) & Ted Daniels (CEO of SFE&PD)
  • Key findings of the study: Patrick Walker (PERC)
  • Implications for access to credit: Bill Cheeks (ABBA Associates Inc.) & Dara Duguay (Credit Builders’ Alliance)

The release will be hosted on Zoom on October 21st from 1 to 2PM EST, and a link will be provided after registering on the Eventbrite page. You can also check out our first white paper in this series here.

We look forward to seeing you there!