This paper examines a range of policy and market issues associated with the proposed introduction of a public credit registry (PCR) in India.
This research analyzes a series of questions pertaining to the impacts on microfinance institutions (MFIs) when using credit bureau data (conventionally referred to as credit files) for purposes of underwriting credit; for the same purposes, it also analyzes credit scoring models and credit decisioning platforms that use credit bureau data.
This report presents findings from the pilot effort of the Credit Deserts Project, which aims to map the incidence of Credit Invisibility, in which consumers have credit reports with no or insufficient data with which to generate a traditional credit score. Previous research suggests that Credit Invisibles disproportionately live in lower income areas of communities and help form what we call Credit Deserts.
“The Credit Impacts on Low-Income Americans from Reporting Moderately Late Utiity Payments,” is a follow-up to the June 2012 report, “A New Pathway to Financial Access.” The new report addressess concerns some had about the impacts of reporting moderately late utility payments for low-income Americans.
This report details the impacts of more comprehensive credit reporting in Australia and New Zealand. The report summarizes the results from a joint undertaking by PERC and Dun & Bradstreet Australasia using credit data from 1.8 million Australians.
This 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 payments spiked.
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.
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.
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 study assesses the impact of varying participation rates on access to credit and default rates in Latin America. A series of micro-simulations demonstrates the importance of participation in a private, full-file credit reporting system.