This study examines how shifting to full file credit sharing systems might impact lender competition. It specifically explores whether bank concentration falls following a shift to full-file credit sharing.
This report compares findings from the FTC and PERC studies on the data accuracy of U.S. consumer credit reports. The two studies have very similar results.
This white paper gives a history and context for Credit Card Reward programs.
This paper reflects consumer opinions and small business owner/operator viewpoints on government regulations regarding payment systems in general and credit cards in particular. The paper is based on survey results conducted by PERC and PERC/ORC.
“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 report assesses the accuracy and quality of data collected and maintained by the three major nationwide Consumer Reporting Agencies (CRAs): Equifax, Experian, and TransUnion. The study enabled consumers to review their credit reports and credit scores from one or more of the three CRAs, to identify potential inaccuracies, and to file disputes as necessary through the consumer dispute resolution process governed by the FCRA, and to report on their satisfaction with the dispute outcome. The impact of the disputes is measured through credit score and credit risk tier changes.
This report examines the continuing impact of Hurricane Katrina and other disasters on small businesses and the self-employed in Louisiana. Primary to this research was an examination of the impacts of aid received from the Community Development Organizations (CDOs) funded in part by the Louisiana Disaster Recovery Foundation (LDRF) as well as aid received from other sources. It also examines the extent of existing unmet needs of small businesses in Louisiana. For this research PERC surveyed over 1,600 small business operators and analyzed data from tens of thousands of Experian small business credit files.
This report examines five cases of small businesses and the self-employed that received small business aid from an LDRF funded Community Development Organization (CDO).