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Credit Invisibles in the U.S.

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5월 24, 2015
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Econintersect:  The U.S. Consumer Protection Bureau has issued a report about the 20% of U.S. households that have no access to traditional banking and credit services.  The study reviews the credit history data maintained by the three nationwide credit reporting agencies (NCRAs – Equifax, Experian, and TransUnion).  A fifth of the U.S. population is either missing from these records or has insufficient data to create a “credit score”.  As a result these people face significant challenges in accessing most credit markets.  Who are these people?  They are disproportionately low-income, African-American and young.

no.credit

Click cover page below to read the report:

credit.invisibles

John Lounsbury

Source:

  • Data Point: Credit Invisibles (Kenneth P. Brevoort, Philipp Grimm and Michelle Kambara, U.S. Consumer Protection Bureau, May 2015)

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