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Category: Data, research, and reports

More than 1-in-5 consumers had telecommunications-related collections on their consumer report in the past 5 years

Consumers typically pay for telecommunications services monthly, but most providers do not report to consumer reporting agencies unless an account is in collections. In this report, we explore how these debts are reported. 

Published
Category: Data, research, and reports

Measuring a child’s progress on the building blocks of financial capability

In 2016, the Bureau released the Building Blocks to Help Youth Achieve Financial Capability: A new model and recommendations, which describes where and when children and young adults acquire the foundations of financial capability. Now, the Bureau has created the Building Blocks Measurement Guide to provide researchers, program leaders, teachers, and other financial educators with ways to assess young people’s progress toward each building block.

Published
Category: Data, research, and reports

Aggregate credit card borrowing exhibits end-of-year seasonal patterns which vary across different sets of consumers

This report finds that aggregate end-of-year consumer credit card borrowing roughly follows end-of-year retail expenditure patterns, with consumer borrowing experiences differing across consumers with different credit scores and different credit card utilization rates at baseline. 

Published
Category: Data, research, and reports
Consumer market trends

Removal of public records has little effect on consumers’ credit scores

The National Consumer Assistance Plan (NCAP) was launched in March 2015 by the three nationwide credit reporting companies in response to a multi-state settlement. In this report, we explore how the removal of public records resulting from the NCAP affected consumers' credit records and their credit scores.