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Credit scores : impact and analysis of differences between consumer- and creditor-purchased scores /
| Clasificación: | Libro Electrónico |
|---|---|
| Otros Autores: | |
| Formato: | Electrónico eBook |
| Idioma: | Inglés |
| Publicado: |
New York :
Nova Science Publishers, Incorporated,
[2013].
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| Colección: | Financial institutions and services.
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| Temas: | |
| Acceso en línea: | Texto completo |
Tabla de Contenidos:
- CREDIT SCORES: IMPACT AND ANALYSIS OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED SCORES; CREDIT SCORES: IMPACT AND ANALYSIS OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED SCORES; Library of Congress Cataloging-in-Publication Data; CONTENTS; PREFACE; Chapter 1: THE IMPACT OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED CREDIT SCORES; EXECUTIVE SUMMARY; I. CREDIT REPORTING AND CREDIT SCORING; A. Consumer Reporting Agencies and Credit Reports; B. Credit Scores; II. CREDIT SCORES IN THE MARKETPLACE; A. Types of Credit Scores; 1. FICO Scores
- 2. Consumer Reporting Agency Scores3. VantageScore; B. Uses of Scores; 1. Marketing; 2. Origination; 3. Account Maintenance or Account Review; 4. Valuations of Loan Portfolios; III. CONSUMER CREDIT SCORE MARKETPLACE; A. Consumer Purchases of Credit Scores; B. Mandatory Provision of Credit Scores by Lenders; 1. Receiving a Credit Score in Connection with Risk-Based Pricing; 2. Receiving a Credit Score When Obtaining a Mortgage; 3. Receiving a Credit Score on an Adverse Action Notice; IV. ANALYSIS OF POTENTIAL HARMS TO CONSUMERS; A. Potential Adverse Effects on Consumers; B. Data Analysis
- 1. CRA Data2. Analysis; a) Absolute Comparisons; b) Relative Comparisons; c) Comparisons within Score Sub-Groups; d) Comparisons within Groups Defined by Credit History Characteristics; CONCLUSION; APPENDIX. CREDIT SCORE MODEL DEVELOPMENT; End Notes; Chapter 2: ANALYSIS OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED CREDIT SCORES; EXECUTIVE SUMMARY; 1. INTRODUCTION; 1.1. Overview of Score Variations and Why They Might Matter; 1.1.1. Types of Scores; 1.1.1.a. FICO Scores; 1.1.1.b. Vantage Scores; 1.1.1.c. Consumer Reporting Agency Scores; 1.1.2. Consumer Purchases of Credit Scores
- 1.1.3. Potential Harms for Consumers1.1.3.a. Harms from Inaccurate Perception of Creditworthiness; 1.1.3.b. Small differences, Big impacts; 1.1.4. Study Objectives; 2. ANALYSIS AND RESULTS; 2.1. Data; 2.2. Analysis and Results; 2.2.1. Score Distributions; 2.2.2. Adjusting for Score Range Differences; 2.2.3. Correlation across Scoring Models; 2.2.4. Magnitude of Differences across Scoring Models; 2.2.5. Economically Meaningful Differences across Scoring Models; 2.2.6. Results for Population Subgroups; 3. IMPACT AND POLICY IMPLICATIONS; INDEX; Blank Page