Foreword: Symposium On Credit Scoring and Credit Reporting
A lack of credit or the inability to build a credit history has the ability to destroy an individual’s chance at upward financial mobility. Today, a person without good credit gets penalized in almost...
View ArticleThe Legal Framework of Consumer Credit Bureaus and Credit Scoring in the...
The integration of European Union (EU) credit markets is crucial for the efficient functioning of the EU financial system, for the EU economy as a whole, and for the full achievement of the four...
View ArticleAdapting Credit Scores to Evolving Consumer Behavior and Data
Credit scores have become an integral component of the credit landscape. As that landscape shifts, credit-score algorithms should adapt to changes in consumer behavior that are reflected in the...
View ArticleSelling Consumers Not Lists: The New World of Digital Decision-Making and the...
This Article explores the new world of financial decision-making, which draws on a range of Internet techniques. While some practices are regulated as traditional credit reports under the Fair Credit...
View ArticleThe Misconception of the Consumer as a Homo Economicus: A Behavioral-Economic...
The significant increase in the number of consumer transactions, along with the expansion of information technology, has created massive amounts of detailed information on an individual’s credit...
View ArticleDiscriminatory Effects of Credit Scoring on Communities of Color
Our current credit-scoring systems have a disparate impact on people and communities of color. These systems are rooted in our long history of housing discrimination and the dual credit market that...
View ArticleMedical Debt and Its Relevance When Assessing Creditworthiness
Empirical data, qualitative analysis, and case studies document the prevalence of medical debt in America. However, the influence of medical debt on credit reports and scores has not been thoroughly...
View ArticleCredit Reports and Employment: Findings from the 2012 National Survey on...
Today, it is common for employers to look at job applicants’ credit history before making hiring decisions. Even a cursory look at a popular job listing website reveals that employers require credit...
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