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In 1990, Consumer Reports launched Consumer Reports Television. [41] By March 2005 it was "hosted" by over 100 stations. [42] [43] On August 1, 2006, Consumer Reports launched ShopSmart, [44] a magazine aimed at young women. [45] In 2008, Consumer Reports acquired The Consumerist blog from Gawker Media. [46]
The ESRB was established in 1994 by the Entertainment Software Association (ESA, formerly the Interactive Digital Software Association (IDSA)), in response to criticism of controversial video games with excessively violent or sexual content, particularly after the 1993 congressional hearings following the releases of Mortal Kombat and Night ...
Employers are unable to access credit scores on the credit reports sold for the purposes of employment screening but are able to acquire debt and payment history. [46] Credit reports are legal to use for employment screening in all states, although some have passed legislation limiting the practice to only certain positions.
Credit scoring typically uses observations or data from clients who defaulted on their loans plus observations on a large number of clients who have not defaulted. Statistically, estimation techniques such as logistic regression or probit are used to create estimates of the probability of default for observations based on this historical data.
The scoring system has also been studied as a form of classification to shape an individual's life-chances—a form of economic inequality. [62] The classification scheme is necessitated by the loss of collective social services and risk. [63] The credit scoring system in the United States is similar to the Social Credit System in China. [64]
ConsumerAffairs is an American customer review and consumer news platform that provides information for purchasing decisions around major life changes or milestones. [5] The company's business-facing division provides SaaS that allows brands to manage and analyze review data to improve their products and customer service.
VantageScore is a consumer credit-scoring system in the United States, created through a joint venture of the three major credit bureaus (Equifax, Experian, and TransUnion). The model is managed and maintained by an independent company, VantageScore Solutions, LLC, that was formed in 2006 and is jointly owned by the three bureaus. [ 1 ]
A customer review is an evaluation of a product or service made by someone who has purchased and used, or had experience with, a product or service. Customer reviews are a form of customer feedback on electronic commerce and online shopping sites.