Credit scores :: impact and analysis of differences between consumer- and creditor-purchased scores /
Gespeichert in:
| Weitere Verfasser: | |
|---|---|
| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
New York :
Nova Science Publishers, Incorporated,
[2013].
|
| Schriftenreihe: | Financial institutions and services.
|
| Schlagworte: | |
| Online-Zugang: | Volltext |
| Beschreibung: | 1 online resource. |
| Bibliographie: | Includes bibliographical references (pages 64-65) and index. |
| ISBN: | 9781626183117 1626183112 |
Internformat
MARC
| LEADER | 00000cam a2200000 i 4500 | ||
|---|---|---|---|
| 001 | ZDB-4-EBU-ocn963936361 | ||
| 003 | OCoLC | ||
| 005 | 20241004212047.0 | ||
| 006 | m o d | ||
| 007 | cr ||||||||||| | ||
| 008 | 130807s2013 nyua ob 001 0 eng | ||
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| 016 | 7 | |a 016416379 |2 Uk | |
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| 049 | |a MAIN | ||
| 245 | 0 | 0 | |a Credit scores : |b impact and analysis of differences between consumer- and creditor-purchased scores / |c Phillip B. Rogers, editor. |
| 264 | 1 | |a New York : |b Nova Science Publishers, Incorporated, |c [2013]. | |
| 300 | |a 1 online resource. | ||
| 336 | |a text |b txt |2 rdacontent | ||
| 337 | |a computer |b c |2 rdamedia | ||
| 338 | |a online resource |b cr |2 rdacarrier | ||
| 347 | |a data file |2 rda | ||
| 490 | 1 | |a Financial institutions and services | |
| 504 | |a Includes bibliographical references (pages 64-65) and index. | ||
| 588 | |a Description based on print version record. | ||
| 505 | 0 | |a CREDIT SCORES: IMPACT AND ANALYSIS OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED SCORES; CREDIT SCORES: IMPACT AND ANALYSIS OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED SCORES; Library of Congress Cataloging-in-Publication Data; CONTENTS; PREFACE; Chapter 1: THE IMPACT OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED CREDIT SCORES; EXECUTIVE SUMMARY; I. CREDIT REPORTING AND CREDIT SCORING; A. Consumer Reporting Agencies and Credit Reports; B. Credit Scores; II. CREDIT SCORES IN THE MARKETPLACE; A. Types of Credit Scores; 1. FICO Scores | |
| 505 | 8 | |a 2. Consumer Reporting Agency Scores3. VantageScore; B. Uses of Scores; 1. Marketing; 2. Origination; 3. Account Maintenance or Account Review; 4. Valuations of Loan Portfolios; III. CONSUMER CREDIT SCORE MARKETPLACE; A. Consumer Purchases of Credit Scores; B. Mandatory Provision of Credit Scores by Lenders; 1. Receiving a Credit Score in Connection with Risk-Based Pricing; 2. Receiving a Credit Score When Obtaining a Mortgage; 3. Receiving a Credit Score on an Adverse Action Notice; IV. ANALYSIS OF POTENTIAL HARMS TO CONSUMERS; A. Potential Adverse Effects on Consumers; B. Data Analysis | |
| 505 | 8 | |a 1. CRA Data2. Analysis; a) Absolute Comparisons; b) Relative Comparisons; c) Comparisons within Score Sub-Groups; d) Comparisons within Groups Defined by Credit History Characteristics; CONCLUSION; APPENDIX. CREDIT SCORE MODEL DEVELOPMENT; End Notes; Chapter 2: ANALYSIS OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED CREDIT SCORES; EXECUTIVE SUMMARY; 1. INTRODUCTION; 1.1. Overview of Score Variations and Why They Might Matter; 1.1.1. Types of Scores; 1.1.1.a. FICO Scores; 1.1.1.b. Vantage Scores; 1.1.1.c. Consumer Reporting Agency Scores; 1.1.2. Consumer Purchases of Credit Scores | |
| 505 | 8 | |a 1.1.3. Potential Harms for Consumers1.1.3.a. Harms from Inaccurate Perception of Creditworthiness; 1.1.3.b. Small differences, Big impacts; 1.1.4. Study Objectives; 2. ANALYSIS AND RESULTS; 2.1. Data; 2.2. Analysis and Results; 2.2.1. Score Distributions; 2.2.2. Adjusting for Score Range Differences; 2.2.3. Correlation across Scoring Models; 2.2.4. Magnitude of Differences across Scoring Models; 2.2.5. Economically Meaningful Differences across Scoring Models; 2.2.6. Results for Population Subgroups; 3. IMPACT AND POLICY IMPLICATIONS; INDEX; Blank Page | |
| 650 | 0 | |a Credit scoring systems |z United States. | |
| 650 | 6 | |a Évaluation par points (Crédit) |z États-Unis. | |
| 650 | 7 | |a BUSINESS & ECONOMICS |x Finance. |2 bisacsh | |
| 650 | 7 | |a Credit scoring systems |2 fast | |
| 651 | 7 | |a United States |2 fast |1 https://id.oclc.org/worldcat/entity/E39PBJtxgQXMWqmjMjjwXRHgrq | |
| 700 | 1 | |a Rogers, Phillip B., |e editor. | |
| 758 | |i has work: |a Credit scores (Text) |1 https://id.oclc.org/worldcat/entity/E39PCXYj7GVxm3Rvk9gjxjkygq |4 https://id.oclc.org/worldcat/ontology/hasWork | ||
| 776 | 0 | 8 | |i Print version: |t Credit scores |d New York : Nova Science Publishers, Inc., [2013]. |z 9781626183100 |w (DLC) 2013370510 |
| 830 | 0 | |a Financial institutions and services. |0 http://id.loc.gov/authorities/names/no2005072672 | |
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| 938 | |a Internet Archive |b INAR |n creditscoresimpa0000unse | ||
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Datensatz im Suchindex
| DE-BY-FWS_katkey | ZDB-4-EBU-ocn963936361 |
|---|---|
| _version_ | 1816796925240803328 |
| adam_text | |
| any_adam_object | |
| author2 | Rogers, Phillip B. |
| author2_role | edt |
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| author_facet | Rogers, Phillip B. |
| building | Verbundindex |
| bvnumber | localFWS |
| callnumber-first | H - Social Science |
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| callnumber-search | HG3751.7 |
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| collection | ZDB-4-EBU |
| contents | CREDIT SCORES: IMPACT AND ANALYSIS OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED SCORES; CREDIT SCORES: IMPACT AND ANALYSIS OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED SCORES; Library of Congress Cataloging-in-Publication Data; CONTENTS; PREFACE; Chapter 1: THE IMPACT OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED CREDIT SCORES; EXECUTIVE SUMMARY; I. CREDIT REPORTING AND CREDIT SCORING; A. Consumer Reporting Agencies and Credit Reports; B. Credit Scores; II. CREDIT SCORES IN THE MARKETPLACE; A. Types of Credit Scores; 1. FICO Scores 2. Consumer Reporting Agency Scores3. VantageScore; B. Uses of Scores; 1. Marketing; 2. Origination; 3. Account Maintenance or Account Review; 4. Valuations of Loan Portfolios; III. CONSUMER CREDIT SCORE MARKETPLACE; A. Consumer Purchases of Credit Scores; B. Mandatory Provision of Credit Scores by Lenders; 1. Receiving a Credit Score in Connection with Risk-Based Pricing; 2. Receiving a Credit Score When Obtaining a Mortgage; 3. Receiving a Credit Score on an Adverse Action Notice; IV. ANALYSIS OF POTENTIAL HARMS TO CONSUMERS; A. Potential Adverse Effects on Consumers; B. Data Analysis 1. CRA Data2. Analysis; a) Absolute Comparisons; b) Relative Comparisons; c) Comparisons within Score Sub-Groups; d) Comparisons within Groups Defined by Credit History Characteristics; CONCLUSION; APPENDIX. CREDIT SCORE MODEL DEVELOPMENT; End Notes; Chapter 2: ANALYSIS OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED CREDIT SCORES; EXECUTIVE SUMMARY; 1. INTRODUCTION; 1.1. Overview of Score Variations and Why They Might Matter; 1.1.1. Types of Scores; 1.1.1.a. FICO Scores; 1.1.1.b. Vantage Scores; 1.1.1.c. Consumer Reporting Agency Scores; 1.1.2. Consumer Purchases of Credit Scores 1.1.3. Potential Harms for Consumers1.1.3.a. Harms from Inaccurate Perception of Creditworthiness; 1.1.3.b. Small differences, Big impacts; 1.1.4. Study Objectives; 2. ANALYSIS AND RESULTS; 2.1. Data; 2.2. Analysis and Results; 2.2.1. Score Distributions; 2.2.2. Adjusting for Score Range Differences; 2.2.3. Correlation across Scoring Models; 2.2.4. Magnitude of Differences across Scoring Models; 2.2.5. Economically Meaningful Differences across Scoring Models; 2.2.6. Results for Population Subgroups; 3. IMPACT AND POLICY IMPLICATIONS; INDEX; Blank Page |
| ctrlnum | (OCoLC)963936361 |
| dewey-full | 332.7 |
| dewey-hundreds | 300 - Social sciences |
| dewey-ones | 332 - Financial economics |
| dewey-raw | 332.7 |
| dewey-search | 332.7 |
| dewey-sort | 3332.7 |
| dewey-tens | 330 - Economics |
| discipline | Wirtschaftswissenschaften |
| format | Electronic eBook |
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| series2 | Financial institutions and services |
| spelling | Credit scores : impact and analysis of differences between consumer- and creditor-purchased scores / Phillip B. Rogers, editor. New York : Nova Science Publishers, Incorporated, [2013]. 1 online resource. text txt rdacontent computer c rdamedia online resource cr rdacarrier data file rda Financial institutions and services Includes bibliographical references (pages 64-65) and index. Description based on print version record. CREDIT SCORES: IMPACT AND ANALYSIS OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED SCORES; CREDIT SCORES: IMPACT AND ANALYSIS OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED SCORES; Library of Congress Cataloging-in-Publication Data; CONTENTS; PREFACE; Chapter 1: THE IMPACT OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED CREDIT SCORES; EXECUTIVE SUMMARY; I. CREDIT REPORTING AND CREDIT SCORING; A. Consumer Reporting Agencies and Credit Reports; B. Credit Scores; II. CREDIT SCORES IN THE MARKETPLACE; A. Types of Credit Scores; 1. FICO Scores 2. Consumer Reporting Agency Scores3. VantageScore; B. Uses of Scores; 1. Marketing; 2. Origination; 3. Account Maintenance or Account Review; 4. Valuations of Loan Portfolios; III. CONSUMER CREDIT SCORE MARKETPLACE; A. Consumer Purchases of Credit Scores; B. Mandatory Provision of Credit Scores by Lenders; 1. Receiving a Credit Score in Connection with Risk-Based Pricing; 2. Receiving a Credit Score When Obtaining a Mortgage; 3. Receiving a Credit Score on an Adverse Action Notice; IV. ANALYSIS OF POTENTIAL HARMS TO CONSUMERS; A. Potential Adverse Effects on Consumers; B. Data Analysis 1. CRA Data2. Analysis; a) Absolute Comparisons; b) Relative Comparisons; c) Comparisons within Score Sub-Groups; d) Comparisons within Groups Defined by Credit History Characteristics; CONCLUSION; APPENDIX. CREDIT SCORE MODEL DEVELOPMENT; End Notes; Chapter 2: ANALYSIS OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED CREDIT SCORES; EXECUTIVE SUMMARY; 1. INTRODUCTION; 1.1. Overview of Score Variations and Why They Might Matter; 1.1.1. Types of Scores; 1.1.1.a. FICO Scores; 1.1.1.b. Vantage Scores; 1.1.1.c. Consumer Reporting Agency Scores; 1.1.2. Consumer Purchases of Credit Scores 1.1.3. Potential Harms for Consumers1.1.3.a. Harms from Inaccurate Perception of Creditworthiness; 1.1.3.b. Small differences, Big impacts; 1.1.4. Study Objectives; 2. ANALYSIS AND RESULTS; 2.1. Data; 2.2. Analysis and Results; 2.2.1. Score Distributions; 2.2.2. Adjusting for Score Range Differences; 2.2.3. Correlation across Scoring Models; 2.2.4. Magnitude of Differences across Scoring Models; 2.2.5. Economically Meaningful Differences across Scoring Models; 2.2.6. Results for Population Subgroups; 3. IMPACT AND POLICY IMPLICATIONS; INDEX; Blank Page Credit scoring systems United States. Évaluation par points (Crédit) États-Unis. BUSINESS & ECONOMICS Finance. bisacsh Credit scoring systems fast United States fast https://id.oclc.org/worldcat/entity/E39PBJtxgQXMWqmjMjjwXRHgrq Rogers, Phillip B., editor. has work: Credit scores (Text) https://id.oclc.org/worldcat/entity/E39PCXYj7GVxm3Rvk9gjxjkygq https://id.oclc.org/worldcat/ontology/hasWork Print version: Credit scores New York : Nova Science Publishers, Inc., [2013]. 9781626183100 (DLC) 2013370510 Financial institutions and services. http://id.loc.gov/authorities/names/no2005072672 FWS01 ZDB-4-EBU FWS_PDA_EBU https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=1423402 Volltext |
| spellingShingle | Credit scores : impact and analysis of differences between consumer- and creditor-purchased scores / Financial institutions and services. CREDIT SCORES: IMPACT AND ANALYSIS OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED SCORES; CREDIT SCORES: IMPACT AND ANALYSIS OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED SCORES; Library of Congress Cataloging-in-Publication Data; CONTENTS; PREFACE; Chapter 1: THE IMPACT OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED CREDIT SCORES; EXECUTIVE SUMMARY; I. CREDIT REPORTING AND CREDIT SCORING; A. Consumer Reporting Agencies and Credit Reports; B. Credit Scores; II. CREDIT SCORES IN THE MARKETPLACE; A. Types of Credit Scores; 1. FICO Scores 2. Consumer Reporting Agency Scores3. VantageScore; B. Uses of Scores; 1. Marketing; 2. Origination; 3. Account Maintenance or Account Review; 4. Valuations of Loan Portfolios; III. CONSUMER CREDIT SCORE MARKETPLACE; A. Consumer Purchases of Credit Scores; B. Mandatory Provision of Credit Scores by Lenders; 1. Receiving a Credit Score in Connection with Risk-Based Pricing; 2. Receiving a Credit Score When Obtaining a Mortgage; 3. Receiving a Credit Score on an Adverse Action Notice; IV. ANALYSIS OF POTENTIAL HARMS TO CONSUMERS; A. Potential Adverse Effects on Consumers; B. Data Analysis 1. CRA Data2. Analysis; a) Absolute Comparisons; b) Relative Comparisons; c) Comparisons within Score Sub-Groups; d) Comparisons within Groups Defined by Credit History Characteristics; CONCLUSION; APPENDIX. CREDIT SCORE MODEL DEVELOPMENT; End Notes; Chapter 2: ANALYSIS OF DIFFERENCES BETWEEN CONSUMER- AND CREDITOR-PURCHASED CREDIT SCORES; EXECUTIVE SUMMARY; 1. INTRODUCTION; 1.1. Overview of Score Variations and Why They Might Matter; 1.1.1. Types of Scores; 1.1.1.a. FICO Scores; 1.1.1.b. Vantage Scores; 1.1.1.c. Consumer Reporting Agency Scores; 1.1.2. Consumer Purchases of Credit Scores 1.1.3. Potential Harms for Consumers1.1.3.a. Harms from Inaccurate Perception of Creditworthiness; 1.1.3.b. Small differences, Big impacts; 1.1.4. Study Objectives; 2. ANALYSIS AND RESULTS; 2.1. Data; 2.2. Analysis and Results; 2.2.1. Score Distributions; 2.2.2. Adjusting for Score Range Differences; 2.2.3. Correlation across Scoring Models; 2.2.4. Magnitude of Differences across Scoring Models; 2.2.5. Economically Meaningful Differences across Scoring Models; 2.2.6. Results for Population Subgroups; 3. IMPACT AND POLICY IMPLICATIONS; INDEX; Blank Page Credit scoring systems United States. Évaluation par points (Crédit) États-Unis. BUSINESS & ECONOMICS Finance. bisacsh Credit scoring systems fast |
| title | Credit scores : impact and analysis of differences between consumer- and creditor-purchased scores / |
| title_auth | Credit scores : impact and analysis of differences between consumer- and creditor-purchased scores / |
| title_exact_search | Credit scores : impact and analysis of differences between consumer- and creditor-purchased scores / |
| title_full | Credit scores : impact and analysis of differences between consumer- and creditor-purchased scores / Phillip B. Rogers, editor. |
| title_fullStr | Credit scores : impact and analysis of differences between consumer- and creditor-purchased scores / Phillip B. Rogers, editor. |
| title_full_unstemmed | Credit scores : impact and analysis of differences between consumer- and creditor-purchased scores / Phillip B. Rogers, editor. |
| title_short | Credit scores : |
| title_sort | credit scores impact and analysis of differences between consumer and creditor purchased scores |
| title_sub | impact and analysis of differences between consumer- and creditor-purchased scores / |
| topic | Credit scoring systems United States. Évaluation par points (Crédit) États-Unis. BUSINESS & ECONOMICS Finance. bisacsh Credit scoring systems fast |
| topic_facet | Credit scoring systems United States. Évaluation par points (Crédit) États-Unis. BUSINESS & ECONOMICS Finance. Credit scoring systems United States |
| url | https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=1423402 |
| work_keys_str_mv | AT rogersphillipb creditscoresimpactandanalysisofdifferencesbetweenconsumerandcreditorpurchasedscores |