The European Credit Information Landscape

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Marc Rothemund, Maria Gerhardt

Credit referencing occurs in many countries of the world with a primary purpose of collecting and providing information to help lenders make better decisions. However, there are many different models ranging from highly comprehensive databases of wide ranging information in the most advanced markets; to more basic registers of unpaid debts in more recently created registers.

This report is the evaluation of a survey that was conducted amongst all 37 members of the Association of Consumer Credit Information Suppliers (ACCIS) in March/April of 2010. The objective in undertaking such a comprehensive survey in such a complex business is to support and inform the ACCIS Committee and members about our industry. In addition, it will also be used to advise regulators, the press and advisors about the credit bureau landscape across the EU.