tailieunhanh - Credit Report Accuracy and Access to Credit

There is one major exception: tribal courts do not have the authority to impose criminal sanctions against non-Indians. However, tribal police can take non-Indian perpetrators into custody and transport them to state or federal authorities. Tribal courts can exclude non-Indian violators from tribal lands, use their civil laws to compel non-Indians to complete tasks required by protection orders, and impose fines against non-Indian abusers. If you need additional assistance with a tribal protection order, please look in the resources section of this guide for an appropriate technical assistance provider | 297 Credit Report Accuracy and Access to Credit Robert B. Avery Paul S. Calem and Glenn B. Canner of the Board s Division of Research and Statistics prepared this article. Shannon C. Mok provided research assistance. Information that credit-reporting agencies maintain on consumers credit-related experiences plays a central role in . credit markets. Creditors consider such data a primary factor when they monitor the credit circumstances of current customers and evaluate the creditworthiness of prospective borrowers. Analysts widely agree that the data enable domestic consumer credit markets to function more efficiently and at lower cost than would otherwise be possible. Despite the great benefits of the current system however some analysts have raised concerns about the accuracy completeness timeliness and consistency of consumer credit records and about the effects of data limitations on the availability and cost of credit. These concerns have grown as creditors have begun to rely more on credit history scores statistical characterizations of an individual s creditworthiness based exclusively on credit record information and less on labor-intensive reviews of the detailed information in credit reports. Moreover decisionmakers in areas unrelated to consumer credit including employment screening and underwriting of property and casualty insurance increasingly depend on credit records as studies have shown that such records have predictive value. A previous article in this publication examined in detail the credit records of a large nationally representative sample of individuals as of June 30 That analysis revealed the breadth and depth of the information in credit records. It also found however that key aspects of the data may be ambiguous duplicative or incomplete and that such limitations have the potential to harm or to benefit consumers. Although the earlier analysis contributed to the debate about the quality of the information in credit records it .

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