Natural disaster assistance is reported on a minority of credit records among potentially affected consumers
Recent natural disasters, such as Hurricane Harvey in 2017, have significantly impacted some consumers financially. In this report, the Bureau examines how natural disasters are reported in consumers’ credit reports.
Bureau of Consumer Financial Protection and Federal Housing Finance Agency Release National Survey of Mortgage Originations Dataset for Public Use
Details Borrowers’ Experiences Obtaining a Mortgage
Bureau of Consumer Financial Protection Issues Report and RFI on the Bureau’s Sources and Uses of Data
The Bureau of Consumer Financial Protection (Bureau) today issued a report and Request for Information (RFI) regarding the Bureau’s sources of data and how data is used. The report provides transparency into how the Bureau collects and uses data and the accompanying RFI gives the public an opportunity to comment on those practices.
BCFP released a new research report on the geographic patterns of credit invisibility. Consumers who are “credit invisible” have no credit histories. This is the third in a series of Bureau studies on consumers with limited credit histories.
More than 1-in-5 consumers had telecommunications-related collections on their consumer report in the past 5 years
Consumers typically pay for telecommunications services monthly, but most providers do not report to consumer reporting agencies unless an account is in collections. In this report, we explore how these debts are reported.
New research report detailing how borrowers are paying off their student loans, what they do after, and what it might mean for their personal finances and the broader economy.
Aggregate credit card borrowing exhibits end-of-year seasonal patterns which vary across different sets of consumers
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.
The National Consumer Assistance Plan (NCAP) was launched in March 2015 by the three nationwide credit reporting companies in response to a multi-state settlement. In this report, we explore how the removal of public records resulting from the NCAP affected consumers' credit records and their credit scores.
You know your credit report is important, but other companies also collect information on you—and you have a right to see those reports. Our latest list of consumer reporting companies gives you the details you need to take action.