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- W374805108 abstract "Introduction In virtually all the EC Member States, consumer credit reporting has become the most extensively used instrument used by lenders to underwrite decisions on borrowings or the supply of goods and/or services to customers. Lenders, in fact, access credit reference databases managed by third party providers (the so-called ‘Credit Reference Agencies’) in order to evaluate a consumer’s credit application and his or her creditworthiness. Credit Reference Agencies (CRAs) are profit-seeking private companies that are deemed to represent an institutional response at the service of the credit industry to the problem of asymmetric information in financial markets. They maintain a full data sharing mechanism based on the collection of data from the various lenders of information about their customers and, at the same time, provide those same lenders with consumer credit reports along with other information services and decision making tools, making consumers' personal data and reputations accessible to other (potential) creditors. Another reason for the credit industry's interest in CRAs is that through an extensive detailed collection and sharing of personal data they are considered to provide useful services in the fight against the growth of over-indebtedness of a borrowing individual. In policy terms, this would confer to the credit industry the tools for a responsible lending, protecting individuals from running up significant borrowings beyond their means." @default.
- W374805108 created "2016-06-24" @default.
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- W374805108 date "2006-01-01" @default.
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- W374805108 title "The legal standing of consumer credit reporting in the EC" @default.
- W374805108 hasPublicationYear "2006" @default.
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