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201212 Cfpb Credit Reporting White Paper

201212 Cfpb Credit Reporting White Paper

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Published by yitz22
Credit Reporting, CFPB
Credit Reporting, CFPB

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Published by: yitz22 on Apr 22, 2013
Copyright:Attribution Non-commercial

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02/03/2014

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CONSUMER FINANCIAL PROTECTION BUREAU, DECEMBER 2012 1
 
Key Dimensions andProcesses in the U.S.Credit Reporting System
:A review of how the nation’s largest creditbureaus manage consumer data
DECEMBER 2012
 
CONSUMER FINANCIAL PROTECTION BUREAU, DECEMBER 2012 1
 Table of Contents
 
Purpose and Executive Summary ................................................................ 2
 
1.
 
Introduction ............................................................................................. 5
 
2.
 
Credit Bureaus, Credit Files, Credit Reports, and Credit Scores ........ 7
 
3.
 
Furnishers and Users ........................................................................... 13
 
4.
 
Furnisher and Data Screening ............................................................. 18
 
5.
 
Compiling Credit Files: Matching” ..................................................... 21
 
6.
 
Inaccuracies in Credit Files and Credit Reports................................. 23
 
7.
 
Disputing Credit Report Errors ............................................................ 27
 
8.
 
Monitoring and Measuring Credit Reporting Accuracy ..................... 36
 
Glossary ....................................................................................................... 39
 
 Appendix ...................................................................................................... 41
 

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