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.
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.
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.
Economic Impacts of Payment Reporting Participation in Latin America
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.
Give Credit Where Credit is Due: Increasing Access to Affordable Mainstream Credit Using Alternative Data
PERC’s landmark study on bringing the estimated 35 to 54 million Americans outside the mainstream credit system into the credit fold, Give Credit Where Credit Is Due offers feasible market solutions involving “alternative” or non-traditional payment data, such as payment obligations such as rent, gas, electric, insurance, and other recurring obligations, to evaluate the risk profile of a potential borrower.
Giving Underserved Consumers Better Access to the Credit System: The Promise of Non-traditional Data
PERC’s initial study on alternative data, Giving Underserved Consumers Better Access to the Credit System examines the likely win-win outcome if non-traditional data is included in credit files.
The Fair Credit Reporting Act: Access, Efficiency and Opportunity – Part II
This study confirms the findings of the initial FCRA study. It examines degradation in predictive power of a generic commercial scoring model, even when that model is “re-optimized” or“retooled” to account for the simulated data restrictions.