Alternative Data U S Consumer Credit Reports: Measuring Accuracy and Dispute ImpactstsMichael A Turner, Ph D , Robin Varghese, Ph D , Patrick D pot

... Reports: Measuring Accuracy and Dispute ImpactsMichael A. Turner, Ph. D. , Robin Varghese, Ph. D. , Patrick D. Walker, M .A. 20 U. S. Consumer Credit Reports: Measuring Accuracy and Dispute Impactsthe details of ... uncontested if they thought it was inaccurate.3.4 Denitions: Potential Disputes, Disputes, Dispute Outcomes and Material Impacts3.4.1 Potential Disputes as Measure of Credit Report Data Accuracy Because ... regulators, consumers, and the industry. Since the early 199 0s, researchers have studied the quality of data being used in credit decisions, and the consequences of inaccurate data to consumers.15...

... Permissible exposure limits,• Physical data, • Reactivity data, • Corrosivity data, and • Thermal and chemical stability data, and hazardous effects ofinadvertent mixing of different materials.Information ... 1910-Occupational Safety and Health StandardsPart 1910-Occupational Safety and Health StandardsThe following sections comprise the process safety managementstandard, in its entirety, as published ... (P&IDs ), • Electrical classification,• Relief system design and design basis,• Ventilation system design,• Design codes and standards employed,• Material and energy balances for processes built...

... products. At least ten different laws and numerous agency regulations and guidelines cover such products as food, animal feed, human and animal drugs and biologics, pesticides, plant pests, and ... FeedPlantDSHEAVSTAFDCAMIA; PPIA; EPAFDCAFDCAFDCAFIFRAFDCAFDCAFDCAFDCA = Food, Drug and Cosmetic ActDSHEA = Dietary Supplement Health and Education ActPHSA = Public Health Service ... standards sufficient to assure the safety, identify, strength, quality and purity that are claimed for the drug. 21 U. S. C. 351 (a) (1). To address manufacturing issues, Tx AnimalFDAAnimal-DerivedProductNew...

... actual damages, and statutory damages up to $ 4,0 00. Under the advertising requirements, creditors may advertise only credit terms that are actually available to the customer, and may advertise ... bureaus because consumers were not as mobile, and there was less of a need for a nationwide rating system. U. S. credit reporting bureaus started as associations of retailers who shared ... regulatory authority, it promotes consumer education related to consumer credit issues. The FTC creates its own consumer credit education materials, and can require the credit bureaus to develop...

... 15–44 years of age who ever used a selected method of contraception, percentage who discontinued any method due to dissatisfaction and the reasons for discontinuation, and use and discontinuation ... distribution by current contraceptive status and method, according to marital status and Hispanic origin and race: United States, 2002 Marital or cohabitation status Hispanic origin and race Not ... annulment, by years since first marriage and selected characteristics: United States, 2002 Years since first marriage Number in All marital Characteristic thousands 1 3 5 10 durations Cumulative...

... in the USA, where corporate, financial regulatory, securities and bankruptcy laws are enforced with unusual strictness and severity by international standards. This is a distinctive difference ... covered all retail and corporate deposits, interbank deposits, covered bonds, senior unsecured debt and dated subordinated debt. Although only one bank (reputedly Anglo Irish) was clearly unable ... securitization process is that it substitutes risks that are largely diversifiable for risks that are highly systematic. Downward pressure in asset values and credit quality led to a decrease in tranche...

... broad industry groupschemicals (including pharmaceuticals ), computers and electronic products, aerospace and defense manufacturing, the automo-tive industry, soware and computer related services, ... Corporate R& ;D Tax Credit and U. S. Innovation and Competitivenesse share of federal R& ;D spending performed by business is dominated by defense and space exploration, areas in which businesses ... and applied research had beer nancial results than if they had invested only in applied research.21 e industries that invest the most in basic research, such as the pharmaceutical industry,...

... 2 0,0 00 2,0 00 10.91 1 8,0 00 1,8 00Agency, Bureau, Program and Risk Category BEA Category5Table 2. LOAN GUARANTEES: SUBSIDY RATES, COMMITMENTS, AND AVERAGE LOAN SIZE—Continued(Dollars in thousands)2012 ... feesAnnual feesOther feesDefault rate 1Recovery rate 2Percent guaranteedAgency, Bureau, Program and Risk CategorySubsidy rateSmall Business Administration Business Loans: 7( a ) ... Table 1. DIRECT LOANS: SUBSIDY RATES, OBLIGATIONS, AND AVERAGE LOAN SIZE—Continued(Dollars in thousands)2012 2013Subsidy rate (percent)Obligations Average loan sizeSubsidy rate (percent)Obligations...

... http://www.federalreserve.gov/creditcard/ash/readingyourbill.pdf21www.mass.gov/ago1) Summary of account activity A summary of the transactions on your account your payments, credits, purchases, balance transfers, cash advances, fees, interest charges, and amounts ... http://www.federalreserve.gov/creditcard/ash/readingyourbill.pdf23www.mass.gov/ago7) Transactions A list of all the transactions that have occurred since your last statement (purchases, payments, credits, cash advances, and balance transfers). ... creditor s possession, which reects the date and amount of payments, credits and charges related to the debt. Under state and federal law, if you want all debt collection contact to stop, and...

... Websitesisrapidlychanging.Threemonthsafter data werecollected,all24sitesstudiedremaininbusiness and continuetooffer a varietyof credit relatedservices.Whereasmostsitesremainunchanged,somehadalreadymademodificationstotheirservices,prices,ordisclosures.Itisthereforeimportantforthereadertoconsiderthesepossiblechanges.Thereareadditionalquestionsthisstudywasnotdesignedtoanswer.First, and mostbasic:Howmanyconsumers, and whichtypes,arepatronizingthevariouskindsof alternative credit reportingsites?Howsatisfiedaretheywiththeirpurchases?Someofthesitesthemselvessuggestthatbusinessisgood.Forexample,freecreditreport.comencouragesconsumersto“joinover20millionconsumerswhohavealreadycheckedtheirfreeExperian credit report.”(Thisvagueclaimhasseveralpossiblemeanings.Itcouldbeinterpretedtomean20millionpeoplehavepurchasedtheirreportfromfreeecreditreport.com;thisparticularsite and other alternative sites;orthissite,other alternative sites,plusannualcreditreport.com.)Page25 A secondsetofquestionsconcernsconsumers’interpretationofthevariousclaimspresentedon credit reporting ... –atleastthoseownedbyorcloselyconnectedtoEquifax,Experian, and Transunion–have a responsibilitytodisclose a consumer s righttoobtainfree credit reportsatannualcreditreports.com.Basedonthe24Websitesanalyzedinthisstudy,weidentified a varietyofgoodpracticesthat,takentogether,shouldconstitute a standardthatallsitesinthiscategoryshouldstrivetomaintain. ... Website(contrastLendingTree s carefulpracticeswiththevague“asseenonTV”statementsoffreecreditreport.com and privacymatters.com)9.Usingwellknown,thirdpartysealsofapprovaltoinstill consumer confidencein a site s privacy and securitypractices,especiallyinlightofthesensitivepersonalinformationrequestedbyWebsitesaspartoftheenrollmentprocess.10.Refrainingfromaskingirrelevantquestionssuchaswhether a personintendstobuy a houseorcarinthenextsixmonths,whichlikelywillbeusedtocollectmarketing data forotherproducts and services.Althoughnoneofthe24sitesmetalltencriteria,somearelivinguptothemajority.Threeofthebettersiteswerecreditreporting.com,eloan.com, and experian.com.Interestingly,thefirsttwoaremembersoftheExperian“family,”buttheothersixmembersoftheExperianfamilydonotfareaswell.Forexample,freebiecreditreport.comcontainstheword“free”initsname,usestheword“free”fortyeighttimesonitshomepage,discouragesconsumersfromusingannualcreditreport.com,isnotclearonthetypeof credit score a consumer willreceive,usesthevagueendorsementof“asseenin”Newsweek,USAToday, and TheWallStreetJournal, and providesneitheranemailaddressnor a geographicaddress....