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Category: Data, research, and reports |
Published

New report explores the prevalence of actual payment information in consumer credit reporting

This report explores the prevalence of actual payment information in consumer credit reporting. Quarterly Consumer credit trends reports focus on a specific consumer financial product or issue using a longitudinal, nationally representative sample of de-identified credit records maintained by a nationwide consumer reporting agency.

Category: Info for consumers |
Published

Seis consejos a tener en cuenta cuando le ofrezcan la tarjeta de crédito de una tienda

En estas fiestas, usted seguramente recibirá más de una oferta para abrir la tarjeta de crédito de alguna tienda. Claro, la oferta de un 20 por ciento extra, o de cero intereses si lo paga completo, puede  sonar muy tentadora, pero puede tener un precio. Tenemos 6 consejos a seguir para que disfrute de los beneficios y reduzca los riesgos.

Category: Data, research, and reports |
Published

New report explores the extent of revolving in the U.S. credit card market

The analysis shows that about two thirds of actively used credit card accounts carry a revolving balance. Once consumers begin to revolve, they do so continuously for about 10 months on average, with approximately 15 percent revolving continuously for two years or more. The longer a balance is revolved, the higher the chances that the consumer will continue to revolve a balance.   

Category: Data, research, and reports |
Published

Aggregate credit card borrowing exhibits end-of-year seasonal patterns which vary across different sets of consumers
Archived

This report finds that aggregate end-of-year consumer credit card borrowing roughly follows end-of-year retail expenditure patterns, with consumer borrowing experiences differing across consumers with different credit scores and different credit card utilization rates at baseline. 

Category: Info for consumers |
Published
Home damage on the Jersey Shore after Hurricane Sandy

9 problemas financieros comunes después de un desastre natural y lo que puede hacer para enfrentarlos
Archived

Asistencia para aquellas personas que tienen dificultades financieras luego de un desastre natural, incluyendo información acerca de cómo obtener ayuda y de cómo trabajar con bancos y prestamistas para solucionar sus problemas.