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The Impact Of Differences Between Consumer And Creditor Purchased Credit Scores
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Book Synopsis Credit Scores by : Phillip B. Rogers
Download or read book Credit Scores written by Phillip B. Rogers and published by . This book was released on 2013 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt: A credit score is a numerical summary of a consumer's apparent creditworthiness, based on the consumer's credit report, and reflects the relative likelihood that the consumer will default on a credit obligation. Credit scores can have a significant impact on a consumer's financial life. Lenders rely on scores extensively in decision making, including the initial decisions of whether to lend and what loan terms to offer, for most types of credit, including mortgages, auto loans, and credit cards. Credit scores also influence the marketing offers that consumers receive, such as offers for credit cards. A good credit score can mean access to a wide range of credit products at the better rates available in the market, while a bad credit score can lead to greatly reduced access to credit and much higher borrowing costs. This book provides context for understanding the credit reporting industry as a whole, important industry players, and the complexity of the credit scoring process.
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions and Consumer Protection Publisher : ISBN 13 : Total Pages :232 pages Book Rating :4.:/5 (319 download)
Book Synopsis Making Sense of Consumer Credit Reports by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions and Consumer Protection
Download or read book Making Sense of Consumer Credit Reports written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions and Consumer Protection and published by . This book was released on 2013 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :236 pages Book Rating :4.F/5 ( download)
Book Synopsis An Overview of the Credit Reporting System by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book An Overview of the Credit Reporting System written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2015 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer Survival [2 volumes] by : Wendy Reiboldt
Download or read book Consumer Survival [2 volumes] written by Wendy Reiboldt and published by Bloomsbury Publishing USA. This book was released on 2013-11-26 with total page 1138 pages. Available in PDF, EPUB and Kindle. Book excerpt: Designed to empower readers to advocate for themselves and others, this wide-ranging encyclopedia reveals a surprising range of resources and options that consumers have at their disposal. The only book of its kind, this two-volume, alphabetically arranged reference covers a broad array of topics related to consumer rights, including those of interest to often-overlooked populations such as older adults, veterans, and the homeless. Specific entries address critical areas including food and product safety, housing, health care, the financial industry, the automobile industry, and telecommunications. The encyclopedia reviews the historical development of the consumer movement, examines beliefs and values that drive the movement, and identifies agencies and laws intended to safeguard consumers. Expert contributors discuss key current issues as well as those likely to arise in the future. Vignettes and case studies are used throughout, and various, sometimes contrasting viewpoints are shared to help readers better understand the content. Related topics are easily discovered through a "see also" list, and additional readings are provided at the end of each entry.
Author :United States. Congress. Senate. Committee on Commerce, Science, and Transportation. Subcommittee on Consumer Protection, Product Safety, and Insurance Publisher : ISBN 13 : Total Pages :128 pages Book Rating :4.:/5 (319 download)
Book Synopsis Credit Reports by : United States. Congress. Senate. Committee on Commerce, Science, and Transportation. Subcommittee on Consumer Protection, Product Safety, and Insurance
Download or read book Credit Reports written by United States. Congress. Senate. Committee on Commerce, Science, and Transportation. Subcommittee on Consumer Protection, Product Safety, and Insurance and published by . This book was released on 2013 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer Credit and the American Economy by : Thomas A. Durkin
Download or read book Consumer Credit and the American Economy written by Thomas A. Durkin and published by . This book was released on 2014 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.
Book Synopsis Money, Power, and AI by : Zofia Bednarz
Download or read book Money, Power, and AI written by Zofia Bednarz and published by . This book was released on 2023-11-15 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this ambitious collection, Zofia Bednarz and Monika Zalnieriute bring together leading experts to shed light on how artificial intelligence (AI) and automated decision-making (ADM) create new sources of profits and power for financial firms and governments. Chapter authors-which include public and private lawyers, social scientists, and public officials working on various aspects of AI and automation across jurisdictions-identify mechanisms, motivations, and actors behind technology used by Automated Banks and Automated States, and argue for new rules, frameworks, and approaches to prevent harms that result from the increasingly common deployment of AI and ADM tools. Responding to the opacity of financial firms and governments enabled by AI, Money, Power and AI advances the debate on scrutiny of power and accountability of actors who use this technology. This title is available as Open Access on Cambridge Core.
Download or read book Surviving Debt written by and published by . This book was released on 2024 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Personal Debt in Europe by : Federico Ferretti
Download or read book Personal Debt in Europe written by Federico Ferretti and published by Cambridge University Press. This book was released on 2019-04-25 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: Analyses personal debt and the over-indebtedness of consumers in the European Union from the multi-disciplinary perspectives of economics, policy, and law.
Book Synopsis Meet the Candidates 2020: Bernie Sanders by : Scott Dworkin
Download or read book Meet the Candidates 2020: Bernie Sanders written by Scott Dworkin and published by Simon and Schuster. This book was released on 2019-06-11 with total page 121 pages. Available in PDF, EPUB and Kindle. Book excerpt: What is “democratic socialism?" Educate yourself on Bernie Sanders, the liberal independent from Vermont and the 2016 underdog turned 2020 Democratic favorite. Bernie Sanders shocked the establishment in 2016 with his self-described “political revolution,” mobilizing grassroots fundraising and campaigning to nearly secure the Democratic nomination over Hillary Clinton (even in the face of Democratic National Convention opposition). The Vermont senator and longest-serving independent in congressional history hopes to do the same with a better result in 2020. Meet the Candidates 2020: Bernie Sanders: A Voter’s Guide will help you decide if Sanders’s brand of democratic socialism is for you and if he is the right candidate to take on Donald Trump. A vocal critic of Donald Trump, Sanders advocates for sweeping reform: single-payer, universal health care, labor and economic inequality reform, taxes on the wealthy, the Green New Deal, marijuana legalization, free higher education. Sanders has had an undeniable influence on how campaigns are run and has moved the Democratic party to the left, but how will his liberal platforms play in a Democratic primary and against Trump in a general election? After reading Meet the Candidates 2020: Bernie Sanders: A Voter’s Guide you’ll be able to analyze those chances, explain his positions, and decide if they are what you believe is right for America. The Meet the Candidates 2020 series is the informed voter’s guide to making a decision in the 2020 Democratic primary and presidential election. Each book gives an unbiased, political insider’s analysis of each contender, featuring: candidate interviews; an introduction by campaign advisor, Democratic Coalition co-founder, and Dworkin Report host Scott Dworkin; and compilation and writing by Occupy Democrats Editor at Large Grant Stern. In two hours of reading, you’ll understand their defining characteristics, credentials, campaign issues, challenges, presidential chances, and everything else you need to know to decide who should challenge Donald Trump. Whether it’s for Elizabeth Warren, Joe Biden, Bernie Sanders, Kamala Harris, Julian Castro, Cory Booker, or another, Meet the Candidates is what you need to make an informed vote for president in 2020.
Book Synopsis Banking on a Revolution by : Terri Friedline
Download or read book Banking on a Revolution written by Terri Friedline and published by Oxford University Press, USA. This book was released on 2020-12 with total page 313 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The Revolution Will Not Be Financed takes the perspective that the financial system needs a revolution-and not the impending revolution driven by technology. Studying various ways the financial system advantages whites by exploiting and marginalizing Black and Brown communities, Terri Friedline challenges the optimistic belief that fintech can expand access to banking and finance. Friedline applies the lens of financialized racial neoliberal capitalism to demonstrate the financial system's inherent racism, and explores examples from student loan debt, corporate landlords, community benefits agreements, and banking and payday lending. She makes the case that the financial system needs a people-led revolution that centers the needs, experiences, and perspectives of those that it has historically excluded, marginalized, and exploited"--
Book Synopsis Captivating Technology by : Ruha Benjamin
Download or read book Captivating Technology written by Ruha Benjamin and published by Duke University Press. This book was released on 2019-06-07 with total page 231 pages. Available in PDF, EPUB and Kindle. Book excerpt: The contributors to Captivating Technology examine how carceral technologies such as electronic ankle monitors and predictive-policing algorithms are being deployed to classify and coerce specific populations and whether these innovations can be appropriated and reimagined for more liberatory ends.
Book Synopsis Homeownership and America's Financial Underclass by : Mechele Dickerson
Download or read book Homeownership and America's Financial Underclass written by Mechele Dickerson and published by Cambridge University Press. This book was released on 2014-06-30 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why does America have a love affair with homeownership? For many, buying a home is no longer in their best interest and may harm their children's educational opportunities. This book argues that US leaders need to re-evaluate housing policies and develop new ones that ensure that all Americans have access to affordable housing, whether rented or owned. After describing common myths, the book shows why the circumstances now faced by America's financial underclass make it impossible for them to benefit from homeownership because they cannot afford to buy homes. It then exposes the risks of 'home buying while brown or black,' discussing US policies that made it easier for whites to buy homes, but harder and more costly for blacks and Latinos to do so. The book argues that remaining racial discrimination and certain demographic features continue to make it harder for blacks and Latinos to receive homeownership's promised benefits.
Book Synopsis Credit Scoring and Its Applications, Second Edition by : Lyn Thomas
Download or read book Credit Scoring and Its Applications, Second Edition written by Lyn Thomas and published by SIAM. This book was released on 2017-08-16 with total page 380 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit Scoring and Its Applications?is recognized as the bible of credit scoring. It contains a comprehensive review of the objectives, methods, and practical implementation of credit and behavioral scoring. The authors review principles of the statistical and operations research methods used in building scorecards, as well as the advantages and disadvantages of each approach. The book contains a description of practical problems encountered in building, using, and monitoring scorecards and examines some of the country-specific issues in bankruptcy, equal opportunities, and privacy legislation. It contains a discussion of economic theories of consumers' use of credit, and readers will gain an understanding of what lending institutions seek to achieve by using credit scoring and the changes in their objectives.? New to the second edition are lessons that can be learned for operations research model building from the global financial crisis, current applications of scoring, discussions on the Basel Accords and their requirements for scoring, new methods for scorecard building and new expanded sections on ways of measuring scorecard performance. And survival analysis for credit scoring. Other unique features include methods of monitoring scorecards and deciding when to update them, as well as different applications of scoring, including direct marketing, profit scoring, tax inspection, prisoner release, and payment of fines.?
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :240 pages Book Rating :4.:/5 (327 download)
Book Synopsis Keeping Score on Credit Scores by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book Keeping Score on Credit Scores written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2010 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer Credit Models by : Lyn C. Thomas
Download or read book Consumer Credit Models written by Lyn C. Thomas and published by OUP Oxford. This book was released on 2009-01-29 with total page 400 pages. Available in PDF, EPUB and Kindle. Book excerpt: The use of credit scoring - the quantitative and statistical techniques to assess the credit risks involved in lending to consumers - has been one of the most successful if unsung applications of mathematics in business for the last fifty years. Now with lenders changing their objectives from minimising defaults to maximising profits, the saturation of the consumer credit market allowing borrowers to be more discriminating in their choice of which loans, mortgages and credit cards to use, and the Basel Accord banking regulations raising the profile of credit scoring within banks there are a number of challenges that require new models that use credit scores as inputs and extensions of the ideas in credit scoring. This book reviews the current methodology and measures used in credit scoring and then looks at the models that can be used to address these new challenges. The first chapter describes what a credit score is and how a scorecard is built which gives credit scores and models how the score is used in the lending decision. The second chapter describes the different ways the quality of a scorecard can be measured and points out how some of these measure the discrimination of the score, some the probability prediction of the score, and some the categorical predictions that are made using the score. The remaining three chapters address how to use risk and response scoring to model the new problems in consumer lending. Chapter three looks at models that assist in deciding how to vary the loan terms made to different potential borrowers depending on their individual characteristics. Risk based pricing is the most common approach being introduced. Chapter four describes how one can use Markov chains and survival analysis to model the dynamics of a borrower's repayment and ordering behaviour . These models allow one to make decisions that maximise the profitability of the borrower to the lender and can be considered as part of a customer relationship management strategy. The last chapter looks at how the new banking regulations in the Basel Accord apply to consumer lending. It develops models that show how they will change the operating decisions used in consumer lending and how their need for stress testing requires the development of new models to assess the credit risk of portfolios of consumer loans rather than a models of the credit risks of individual loans.
Book Synopsis Credit Risk Scorecards by : Naeem Siddiqi
Download or read book Credit Risk Scorecards written by Naeem Siddiqi and published by John Wiley & Sons. This book was released on 2012-06-29 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: Praise for Credit Risk Scorecards "Scorecard development is important to retail financial services in terms of credit risk management, Basel II compliance, and marketing of credit products. Credit Risk Scorecards provides insight into professional practices in different stages of credit scorecard development, such as model building, validation, and implementation. The book should be compulsory reading for modern credit risk managers." —Michael C. S. Wong Associate Professor of Finance, City University of Hong Kong Hong Kong Regional Director, Global Association of Risk Professionals "Siddiqi offers a practical, step-by-step guide for developing and implementing successful credit scorecards. He relays the key steps in an ordered and simple-to-follow fashion. A 'must read' for anyone managing the development of a scorecard." —Jonathan G. Baum Chief Risk Officer, GE Consumer Finance, Europe "A comprehensive guide, not only for scorecard specialists but for all consumer credit professionals. The book provides the A-to-Z of scorecard development, implementation, and monitoring processes. This is an important read for all consumer-lending practitioners." —Satinder Ahluwalia Vice President and Head-Retail Credit, Mashreqbank, UAE "This practical text provides a strong foundation in the technical issues involved in building credit scoring models. This book will become required reading for all those working in this area." —J. Michael Hardin, PhD Professor of StatisticsDepartment of Information Systems, Statistics, and Management ScienceDirector, Institute of Business Intelligence "Mr. Siddiqi has captured the true essence of the credit risk practitioner's primary tool, the predictive scorecard. He has combined both art and science in demonstrating the critical advantages that scorecards achieve when employed in marketing, acquisition, account management, and recoveries. This text should be part of every risk manager's library." —Stephen D. Morris Director, Credit Risk, ING Bank of Canada
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