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美国金融消费者保护局信用研究报告
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1、蒲登文 负责第二页开始A consumer, unaware of the variety of credit scores available in the marketplace, may purchase a score believing it to be his or her “true”(or only)credit score, when in fact there is no such single score.至第4页 B.Credit scores 上面部分 即These matching iues also may lead to differences among the consumer’s files at the CRAs, as each CRA has its own matching proceand logic。
2.王海忠 负责 从第4页 B.Credit scores开始至第6页第一句话 即that enabled loan officers and other mortgage originators to streamline the mortgage underwriting proce.3、毛术文 负责 第6页第一段 即Credit scores also facilitate “risk-based pricing” by lenders.When lenders use risk-based pricing, they offer applicants with poor credit histories le favorable terms than they offer to consumers with better credit histories.至第七页3.VantageScore上面部分 即The CRAs also build custom scores for individual clients on a contract basis.4、杨娟 负责 第6页3.VantageScore 开始至第9页第一段即predict the likelihood and timing ofthe borrowers’ loan repayments, and the future cash flows that are used to ae the portfolios’
values.5、刘辉负责第1页 和汇总
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