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 supporting the benefits of credit scoring systems.
| Study | Purpose | View Study |
| 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. | » Full Study |
| 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 detailing transitional challenges of switching to a full-file system. | » Full Study |
| Economic Impacts of Payment Reporting Participation in Latin America Date of Study: May 2007 Conducted by: PERC | The study assesses the impact of varying participation rates on access to credit and default rates in Latin America | » Full Study » White Paper » White Paper (Español) |
