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Discriminatory responses to poor credit create a self-fulfilling prophecy as it raises costs for future financing which increases the likelihood of being unemployed or insolvent. [9] Since credit scores aim to classify people, other markets have expanded its applicability for use as a screening or assessment tool. [10]
In 2017, consumer credit rating giant Equifax suffered one of the country's largest data breaches, exposing the personal information of 147 million U.S. citizens, or roughly 40% of the population ...
AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion.The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA) [1] to provide a mechanism for American consumers to receive up to three free credit reports per year.
The VantageScore 3.0 and 4.0 lower than 550 is very poor, 550–649 is poor, 650–699 is fair, 700–749 is good, and 750–850 is excellent. [38] As of 2023, Synchrony Bank uses VantageScore 4.0 as the credit score for granting its credit cards.
After two years of litigation and negotiation with federal regulatory agencies, Equifax (NYSE:EFX) has finally announced a resolution to the massive 2017 data breach. A dominant player in the ...
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Equifax primarily operates in the business-to-business sector, selling consumer credit and insurance reports and related analytics to businesses in a range of industries. [citation needed] Business customers include retailers, insurance firms, healthcare providers, utilities, government agencies, as well as banks, credit unions, personal and specialty finance companies and other financial ...
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