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- consumer credit Counseling Services: Should You Use Them?
- More and more people are turning to credit counselors to help them get out from under a mountain of debt. Some consumers are finding out the hard way, however, that not all credit counselors are created equal. One so called "Non-profit" counseling agency pockets a person's first month's check, which...
- White papers
- consumer credit Application Form
- This is a template for consumer credit application form. User can make changes in it as per the requirement.
- Tools & templates 2007-12-01
- consumer credit Application
- Have customers or clients fill out this form when applying for credit with your business. You can then use the form to evaluate their credit risk and to verify background information.
- Tools & templates 2005-08-02
- consumer credit Scoring: Do Situational Circumstances Matter?
- Although credit history scoring offers benefits to lenders and borrowers, failure to consider situational circumstances raises important statistical issues that may affect the ability of scoring systems to accurately quantify an individual's credit risk. Evidence from a national sample of credit reporting agency records suggests that failure to consider measures...
- White papers 2004-01-01
- The consumer credit Market in the 21st Century
- Britain has the most energetic and competitive consumer credit market in Europe. However, the legislation regulating it is almost thirty years old. Although it has generally stood the test of time extremely well, the credit market has developed to an extent never envisaged in the early 1970's. This White Paper...
- White papers 2003-12-01
- Establishing a Transparent Market: Early Settlement consumer credit Advertising Form and Content of Credit Agreements APRs on Credit Cards On-line Agreements
- This white paper outlines proposals for making the provisions on early settlement fairer, simplifying the advertising regime, and making the form and content of credit agreements clearer and more transparent. These changes are necessary to bring the current legislation up to date and ensure it both reflects the ways in...
- White papers 2003-12-01
- Fair, Clear and Competitive - The consumer credit Market in the 21st Century
- This paper explains the need for insurance scoring. An insurance score uses information from your credit report to predict how often you are likely to file claims, and/or how expensive those claims will be. Studies have proven that credit characteristics are predictive of certain outcomes, such as insurance loss. The...
- White papers 2003-12-01
- consumer credit Counseling: Credit Card Issuers’ Perspectives
- A flood of new entrants into the credit counseling industry has left issuers, consumer advocates, established CCCS agencies, and policymakers puzzled. While increased competition in any given market usually results in better deals for consumers and into increased innovation, such factors have not marked the explosion in the number of...
- White papers 2003-09-01
- Consumers and Credit Disclosures: Credit Cards and Credit Insurance
- This paper concludes that evaluating the direct effects of disclosure legislation like Truth in Lending on either consumer behavior or the functioning of the credit marketplace is never a simple matter because there are always competing explanations for observed phenomena. From consumer surveys over time, however, it seems likely that...
- White papers 2003-01-01
- The Development and Regulation of consumer credit Reporting in America
- This paper describes how the consumer credit reporting industry evolved from a few joint ventures of local retailers around 1900 to a high technology industry that plays a supporting role in America's trillion-dollar consumer credit market. In many ways the development of the industry reflects the intuition developed in the...
- White papers 2002-11-01
- California Enacts Predatory Lending Statute
- The article talks about the bill that was ultimately signed into law and was substantially revamped (and is in many respects similar to the Homeowners Equity Protection Act (HOEPA)), and was itself later amended by California Assembly Bill 344. California has now joined the growing national movement to restrict certain...
- White papers 2002-07-01
- A Quantative Theory of Unsecured consumer credit With Risk of Default
- This paper studies, theoretically and quantitatively, the equilibrium of an economy with unsecured consumer credit with the following features. Credit suppliers take deposits at a given interest rate and offer loans to households via a menu of credit levels and associated interest rates. The loan industry is competitive, with free...
- White papers 2002-05-01
- A Quantitative Theory Of Unsecured consumer credit With Risk Of Default
- This paper study, theoretically and quantitatively, the equilibrium of an economy with unsecured consumer credit with the following features. Credit suppliers take deposits at a given interest rate and offer loans to households via a menu of credit levels and associated interest rates. The loan industry is competitive, with free...
- White papers 2002-05-01
- An Empirical Evaluation of the Content and Cycle of Financial Reporting: The Case of consumer credit
- Hypotheses concerning patterns of journalistic reporting of consumer debt are tested by conducting a detailed content analysis of all relevant articles in the New York Times 1950-95. Examination of this body of articles indicates that reporting is skewed toward the negative, it is cyclical in character, it follows the macroeconomic...
- White papers 2002-04-01
- Amendments to the consumer credit Code Mean Changes for Credit Providers
- Proposed amendments to the Consumer Credit Code significantly change the advertising provisions for fixed term consumer credit products and require credit providers, finance brokers and linked suppliers to provide consumers with schedules of comparison rates for all fixed term consumer credit products offered according to the report. The main object...
- White papers 2002-03-27
- What is a Credit Report
- This article focuses different type of credit reports that are maintained in business finances. A consumer credit report is a document that contains a factual record of an individual's credit payment history. Credit grantors are permitted by law to review your credit report to objectively determine whether to grant...
- White papers 2002-01-01
- Authorization, Waiver, And Release Of Liability For consumer credit Report
- The Fair Credit Reporting Act requires employers to give job applicants notice when a background check will be done through a reporting agency. This template should be part of your hiring package.
- Tools & templates 2001-01-19
- The Growth of consumer credit and the Household Debt Service Burden
- This paper summarizes some of the relevant facts concerning the growth of consumer credit and the household debt service burden, outline the results of the research that has been conducted in this area, and look at the questions that might be answered with additional research. Read on for further information...
- White papers 2000-01-02
Additional Resources
- Consumer borrowing rises at fastest pace in 4 months
- WASHINGTON -- Consumer borrowing rose in March at the fastest pace in four months, more than double the increase of the previous month, in what was seen as a sign of rising economic stress. The Federal Reserve reported Wednesday that consumers increased their borrowing at an annual...
- Articles 2008-05-08
- PerformanceCars: 19th Annual One-Day Car and Loan Sale
- PerformanceCars and Meridian Credit Union announce their 19th Annual One-Day Car & Loan Sale , Saturday, May 10th, 2008 at all PerformanceCars dealerships in St. Catharines-Niagara. For one day only, automotive consumers can take advantage of special sale prices, extra low financing rates-from zero per cent...
- Articles 2008-05-08
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