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Analysis of Differences between Consumer- and Creditor-Purchased Credit Scores

The credit began as part of a broader effort by Senator Russell Long (Dem.-La.) to derail congressional and presidential interest in a negative income tax (NIT) in the late 1960s and early 1970s. The initial debates highlighted a tension that exists to this day. The attraction of the NIT was that—as a universal antipoverty program—it would provide a guaranteed minimal standard of living to all in an administratively efficient way (through the tax system) without having the notches and high cumulative marginal tax rates that characterize a patchwork system of narrower pro- grams. Senator Long’s primary objection to the NIT was that it provided its largest benefits to those. | SEPTEMBER 2012 Analysis of Differences between Consumer- and Creditor - Purchased Credit Scores cfjzb Consumer Financial Protection Bureau Table of Contents Executive Summary.2 1. Introduction.3 1.1 Overview of score variations and why they matter.3 2. Analysis and Results.7 2.1 Data .7 2.2 Analysis and Results.8 3. Impact and Policy Implications.20 Appendix.22 CONSUMER FINANCIAL PROTECTION BUREAU SEPTEMBER 2012