The Value of Comprehensive Credit Reports: Lessons from the U.S. Experience *

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Issues in the Credit Risk Modeling of Retail Markets (2004, background): “Staten (2001) points out that the United States is unusual is promoting the dissemination of credit reports. Such information allows lenders to assess the credit-worthiness of borrowers and therefore provides more credit in the economy. Not only is credit information available, but it is more comple”
Information Sharing and Credit: Firm-Level Evidence from Transition Countries (2009, methodology): “Analyses of credit bureau data confirm that credit reporting reduces the selection costs of lenders by allowing them to more accurately predict individual loan defaults (Barron and Staten, 2003; Kallberg and Udell, 2003; Powell, Miller, Mylenko, and Majnoni 2004; Luoto, McIntosh, and Wydick, 2004).”
do more transparent government govern better (2003, background): “Jappelli and Pagano (1993 and 2001), Galindo and Miller (2001), Faukenheim & Powell (forthcoming), and Barron & Staten (2003) are among those that consider how information provided by credit rating agencies/bureaus affects how markets function.”