An Overview and History of Credit Reporting

Topics:
Commercial Banking,
Insurance
Tags:
Federal Reserve Bank Of Philadelphia
Source:
Federal Reserve Bank of Philadelphia

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Overview: Credit reporting companies serve as sources of information about consumers' use of credit as reported by those from whom consumers borrow. Lenders use this information to supplement whatever data they have already directly acquired about a borrower's creditworthiness to make lending decisions. This paper includes a short history of credit reporting, an overview of the Fair Credit Reporting Act, and a review of credit reporting company markets and uses.

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Format: PDF | Size: 308KB | Date: Jun 2002 | Pages: 16

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