Matches in DBpedia 2015-10 for { <http://dbpedia.org/resource/Credit_bureau> ?p ?o }
- Credit_bureau abstract "A credit bureau — also known as consumer reporting agency in the United States, credit reference agency in the United Kingdom, and credit reporting body in Australia — is a company that collects information from various sources and provides consumer credit information on individual consumers for a variety of uses. It is an organization providing information on individuals' borrowing and bill-paying habits. Credit information such as a person’s previous loan performance is a powerful tool to predict his future behavior. Such credit information institutions reduce the effect of asymmetric information between borrowers and lenders, and alleviate problems of adverse selection and moral hazard. For example, adequate credit information could facilitate lenders in screening and monitoring borrowers as well as avoiding giving loans to high risk individuals. This helps lenders assess credit worthiness, the ability to pay back a loan, and can affect the interest rate and other terms of a loan. Interest rates are not the same for everyone, but instead can be based on risk-based pricing, a form of price discrimination based on the different expected risks of different borrowers, as set out in their credit rating. Consumers with poor credit repayment histories or court adjudicated debt obligations like tax liens or bankruptcies will pay a higher annual interest rate than consumers who don't have these factors. Additionally, decision-makers in areas unrelated to consumer credit, including employment screening and underwriting of property and casualty insurance, increasingly depend on credit records, as studies have shown that such records have predictive value. At the same time, consumers also benefit from a good credit information system because it reduces the effect of credit monopoly from banks and provides incentives for borrowers to repay their loans on time.In the U.S., credit bureaus collect and aggregate personal information, financial data, and alternative data on individuals from a variety of sources called data furnishers with which the bureaus have a relationship. Data furnishers are typically creditors, lenders, utilities, debt collection agencies and the courts (i.e. public records) that a consumer has had a relationship or experience with. Data furnishers report their payment experience with the consumer to the credit bureaus. The data provided by the furnishers as well as collected by the bureaus are then aggregated into the credit bureau's data repository or files. The resulting information is made available on request to customers of the credit bureau for the purposes of credit risk assessment, credit scoring or for other purposes such as employment consideration or leasing an apartment. Given the large number of consumer borrowers, these credit scores tend to be mechanistic. To simplify the analytical process for their customers, the different credit bureaus can apply a mathematical algorithm to provide a score the customer can use to more rapidly assess the likelihood that an individual will repay a particular debt given the frequency that other individuals in similar situations have defaulted. Most consumer welfare advocates advise individuals to review their credit reports at least once a year to ensure they are accurate.In addition to providing credit information, these services have become authoritative sources of identity information against which people can be verified using an identity verification service and knowledge-based authentication.".
- Credit_bureau wikiPageExternalLink list-of-uk-credit-report-services.html.
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- Credit_bureau wikiPageExternalLink 201501_cfpb_list-consumer-reporting-agencies.pdf.
- Credit_bureau wikiPageExternalLink www.boavistaservicos.com.br.
- Credit_bureau wikiPageExternalLink www.dpgroup.com.sg.
- Credit_bureau wikiPageExternalLink freereports.
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- Credit_bureau wikiPageExternalLink www.occ.treas.gov.
- Credit_bureau wikiPageExternalLink faq.htm.
- Credit_bureau wikiPageExternalLink Home.aspx.
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- Credit_bureau wikiPageWikiLink Acronym.
- Credit_bureau wikiPageWikiLink Adverse_selection.
- Credit_bureau wikiPageWikiLink Al_Etihad_Credit_Bureau.
- Credit_bureau wikiPageWikiLink Algorithm.
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- Credit_bureau wikiPageWikiLink AnnualCreditReport.com.
- Credit_bureau wikiPageWikiLink Annualcreditreport.com.
- Credit_bureau wikiPageWikiLink Armenian_Credit_Reporting_Agency.
- Credit_bureau wikiPageWikiLink Asymmetric_information.
- Credit_bureau wikiPageWikiLink Australia.
- Credit_bureau wikiPageWikiLink Bangko_Sentral_ng_Pilipinas.
- Credit_bureau wikiPageWikiLink Bankruptcy.
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- Credit_bureau wikiPageWikiLink Callcredit.
- Credit_bureau wikiPageWikiLink Category:Banking.
- Credit_bureau wikiPageWikiLink Category:Credit_scoring.
- Credit_bureau wikiPageWikiLink Category:Information_systems.
- Credit_bureau wikiPageWikiLink Central_Bank_of_the_Philippines.
- Credit_bureau wikiPageWikiLink Cifin.
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- Credit_bureau wikiPageWikiLink Consumer_Credit_Act_1974.
- Credit_bureau wikiPageWikiLink Consumer_welfare.
- Credit_bureau wikiPageWikiLink Cortera.
- Credit_bureau wikiPageWikiLink Credit_(finance).
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- Credit_bureau wikiPageWikiLink Credit_card.
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- Credit_bureau wikiPageWikiLink Credit_history.
- Credit_bureau wikiPageWikiLink Credit_rating.
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- Credit_bureau wikiPageWikiLink CreditorWatch.
- Credit_bureau wikiPageWikiLink Creditreform.
- Credit_bureau wikiPageWikiLink Data-Crédito.
- Credit_bureau wikiPageWikiLink Data_Protection_Act_1998.
- Credit_bureau wikiPageWikiLink Debt.
- Credit_bureau wikiPageWikiLink Dun_&_Bradstreet.
- Credit_bureau wikiPageWikiLink Dun_&_Bradstreet,_Inc._v._Greenmoss_Builders,_Inc..
- Credit_bureau wikiPageWikiLink ECIB.
- Credit_bureau wikiPageWikiLink Equifax.
- Credit_bureau wikiPageWikiLink Experian.
- Credit_bureau wikiPageWikiLink FICO.
- Credit_bureau wikiPageWikiLink Fair_Credit_Billing_Act.
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- Credit_bureau wikiPageWikiLink Housing_Development_Finance_Corporation.
- Credit_bureau wikiPageWikiLink Identity_verification_service.
- Credit_bureau wikiPageWikiLink Information_asymmetry.
- Credit_bureau wikiPageWikiLink Innovis.
- Credit_bureau wikiPageWikiLink Intelliscore.
- Credit_bureau wikiPageWikiLink Interest_rate.
- Credit_bureau wikiPageWikiLink Knowledge-based_authentication.
- Credit_bureau wikiPageWikiLink Loan.
- Credit_bureau wikiPageWikiLink National_Association_of_Credit_Management.
- Credit_bureau wikiPageWikiLink National_Information_&_Credit_Evaluation.
- Credit_bureau wikiPageWikiLink Nosis_Credit_Bureau.
- Credit_bureau wikiPageWikiLink PRBC.
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- Credit_bureau wikiPageWikiLink Public_figure.
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- Credit_bureau wikiPageWikiLink Rapid_Ratings_International.
- Credit_bureau wikiPageWikiLink Regulation.
- Credit_bureau wikiPageWikiLink Risk-based_pricing.
- Credit_bureau wikiPageWikiLink Schufa.
- Credit_bureau wikiPageWikiLink Securities_and_Exchange_Commission.
- Credit_bureau wikiPageWikiLink Serasa_Experian.
- Credit_bureau wikiPageWikiLink Siisa.
- Credit_bureau wikiPageWikiLink Sinacofi.
- Credit_bureau wikiPageWikiLink State_Bank_of_India.
- Credit_bureau wikiPageWikiLink TRW_Credit.
- Credit_bureau wikiPageWikiLink TransUnion.
- Credit_bureau wikiPageWikiLink U.S._Securities_and_Exchange_Commission.
- Credit_bureau wikiPageWikiLink US_Congress.