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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: PERC

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.

Roadmap to Reform: Lessons from Around the World to Guide Consumer Credit Reporting Reform in Australia
October 2008
Conducted by: PERC

PERC's Roadmap to Reform details the benefits of comprehensive credit reporting, as well as the transitional challenges of switching to a full-file system.

Economic Impacts of Payment Reporting Participation in Latin America
May 2007
Conducted by: PERC

This study assesses the impact of varying participation rates on access to credit and default rates in Latin America.

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