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Category: Industry and markets

Quarterly Consumer Credit Trends: Public records, credit scores, and credit performance

This is part of a series of quarterly reports of consumer credit trends produced by the Consumer Financial Protection Bureau using a longitudinal, nationally representative sample of approximately five million de-identified credit records maintained by one of the three nationwide consumer reporting agencies. This ninth report looks at the National Consumer Assistance Plan (NCAP) public records provision’s effects on the relationship between credit scores and consumers’ credit performance for consumers that had a civil judgment or tax lien removed from their credit report and those that did not.

Full report

Read the full report