CREDIT REPORTING 

NEWS
No Negatives in Positive Reporting, Says Credit Agency D&B.  Credit agency Dun & Bradstreet has denied it is pushing for a US-style regime that would give lenders access to detailed information about their customers' credit patterns. The Australian,  March 12, 2005.

Credit Reporting Firms Boosted by ID Theft.  The identity theft scam affecting thousands of consumer records maintained by ChoicePoint is creating new business for other data collection firms.  The Billings Gazette, Atlanta, March 1, 2005.

Fair Credit Reporting Act a Tool for Home Buyers.  The Fair Credit Reporting Act (FCRA), enforced by the Federal Trade Commission, is designed to promote accuracy and ensure the privacy of the information used in consumer reports.  Hillsboro Free Press, February 23, 2005.

The Credit Bureaus’ Push Into Foreign Markets.  While countries such as China and Russia are rapidly developing a reliance on credit, poorly developed credit reporting is slowing their advance.  What will it take to clear the path? Credit & Collection World, 2005.

RECENT PUBLICATIONS

Bankruptcy Exemptions, Credit History, and the Mortgage Market.  This paper presents a model of mortgage underwriting, with particular reference to the role of credit bureau scores, which reflect the prevalence of automated underwriting in industry practice. This model has implications for the debate on the effect of personal bankruptcy exemptions on secured lending. By Souphala Chomsisengphet and Ronel Elul, September 2004.

Credit Report Accuracy and Access to Credit. This article tackles the complexities of data limitations on access to credit, and quantifies the effects of credit record limitations on the access to credit. Federal Reserve, by Avery, Robert B.; Calem, Paul S.; Canner, Glenn B., Summer 2004.

Reforming Capital Requirements in Emerging Countries: Calibrating Basel II Using Historical Argentine Credit Bureau Data and CreditRisk.  This paper discusses how credit scoring techniques and modern credit risk portfolio models can be used to measure credit risk and check Basel II calibration for such an environment. By Verónica Balzarotti, Christian Castro, Andrew Powell, July 2004.

EVENTS

Upcoming:

Credit Scoring and Credit Control IX.  This conference will focus on topics ranging from industry issues like Basel ll to the latest statistical research findings. Organized by the Credit Research Centre. Edinburgh, September 7-9, 2005.

EVENTS

Past:

Latin America: Effective Credit Scoring and Trade Solutions for the Export Credit Department.  This working seminar focused on building and implementing credit scoring models, working on case studies and reviewing real credit scoring models that have been tested and proven effective. Organized by the Global Association of Executives in Finance Credit & International Business on Latin America. Maryland, USA, January 19-21, 2005. 

NEWSLETTERS & PERIODICALS

ViewPoints.  Bi-monthly publication by Fair Isaac Corporation. 

Experian-Scorex. 

LINKS

Latin American Business Credit Reporting Association - ALAIC.

LISIM.  Lisim is a consulting firm, based in Bogotá, Colombia, that offers scoring solutions to micro and other financial institutions.

Credit Reporting Systems.  Latest publications, events, analysis, surveys and more from official institutions, academia and others. 

Doing Business – Benchmarking Business Regulations.  The Doing Business Database provides objective measures of business regulations and their enforcement.  The Doing Business indicators are comparable across 145 economies.