Full-File Usage

Some jurisdictions allow "negative-only" but not "full-file" credit reporting, in which all of the credit payment history of a furnisher's book of accounts are reported. Full-file reporting can help prevent over-extension, as well as support the benefits of credit scoring systems.

The Economic Consequences of Consumer Credit Information Sharing: Efficiency, Inclusion, and Privacy

October 2010 | Conducted by: PERC
PERC's white paper discusses how broader information-sharing backed by consumer rights has promoted efficiency and inclusion, while maintaining and protecting confidentiality. It represents one of the first attempts to examine data sharing from the perspective of economic consequences.

Financial Inclusion Through Credit Reporting: Hurdles and Solutions

April 2010 | Conducted by: VantageScore Solutions, LLC
This policy brief, a white paper produced for the APCC in April 2010, examines the logic of information sharing as it relates to financial inclusion and suggests some policy concerns and policy targets designed to promote a financial inclusion agenda.


Maximizing the Benefits from Credit Reporting

December 2008 | Conducted by: Michael E. Staten, Norton School of Family and Consumer Sciences, University of Arizona
This paper provides evidence that a full-file, comprehensive credit reporting system maximizes the economic benefits from credit reporting.