Avery, Robert B.; Calem, Paul S.; Canner, Glenn B. - In: Federal Reserve Bulletin (2004) Sum, pp. 297-322
Data that credit-reporting agencies maintain on consumers' credit-related experiences play a central role in U ….S. credit markets. Analysts widely agree that the data enable these markets to function more efficiently and at lower cost than … about the accuracy, timeliness, completeness, and consistency of consumer credit records and about the effects of data …