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An overview and history of credit reporting


  • Mark Furletti


On April 5, 2002, the Payment Cards Center of the Federal Reserve Bank of Philadelphia held a workshop that explored the uses and evolution of credit reporting companies. Leading the workshop was a group of executives from TransUnion LLC : Tony Capaldi, Group Vice President for the Eastern Region; Dan Brackle, Vice President, Philadelphia; and Chet Wiermanski, Vice President, Analytical Services. Headquartered in Chicago, Illinois, TransUnion is a leading global provider of information and decision-processing services, maintaining one of the largest databases of consumer credit information in the world, serving businesses and consumers in the U.S. This paper includes a short history of credit reporting, an overview of the Fair Credit Reporting Act, and a review of credit reporting company markets and uses. Information from the TransUnion workshop is supplemented by additional research.

Suggested Citation

  • Mark Furletti, 2002. "An overview and history of credit reporting," Payment Cards Center Discussion Paper 02-07, Federal Reserve Bank of Philadelphia.
  • Handle: RePEc:fip:fedpdp:02-07

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    Cited by:

    1. Marion Fourcade & Kieran Healy, 2013. "Classification situations: Life-chances in the neoliberal era," Sciences Po publications info:hdl:2441/6cbt691h0h8, Sciences Po.
    2. Fourcade, Marion & Healy, Kieran, 2013. "Classification situations: Life-chances in the neoliberal era," Accounting, Organizations and Society, Elsevier, vol. 38(8), pages 559-572.

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