Credit Report Studies

There are many efforts to enrich the general understanding of issues related to credit reporting. TransUnion supports many of these—financially, via the expertise of our own Analytical Services specialists and through access to anonymous consumer data. In this section, we list a selection of such studies by individual researchers and by agencies of the U.S. federal government.

Efficacy of Credit Scoring

Analyzing the accuracy and effectiveness of credit scoring.

Full-File Usage

Reviewing the benefits of positive and negative data reporting vs. strictly negative data.


Considering the use of credit scoring by insurers.



Surveying various federal, state and international regulatory issues.