WORKING PAPER NO. 05-13A CENTURY OF CONSUMERCREDIT REPORTING IN AMERICA
Robert M. Hunt*Federal Reserve Bank of PhiladelphiaJune 2005
* Research Department, Federal Reserve Bank of Philadelphia, Ten Independence Mall, Philadelphia, PA 19106.Phone: 215-574-3806. E-mail: email@example.comThe idea for this paper originated in discussions with the Federal Reserve Bank of Philadelphia’s PaymentCards Center. Thanks to James DiSalvo for his assistance in assembling data for this paper. Thanks to Mark Furletti for help with fact checking. Any remaining errors are my own.The paper benefited from discussions with Robert Avery, Mitchell Berlin, Tony Capaldi, John Caskey, PaulCalem, Satyajit Chatterjee, Richard Disney, Nicola Jentzsch, Nick Souleles, and Todd Zywicki and seminarparticipants at Butler University, the European University Institute, the Federal Trade Commission, Riksbank,and the Southern Finance Association.The views expressed here are those of the author and do not necessarily represent the views of the FederalReserve Bank of Philadelphia or the Federal Reserve System.This paper is available free of charge at www.philadelphiafed.org/econ/wps/index.html.