Source document: https://docs-lawep.s3.us-east-2.amazonaws.com/1697633675799.pdf (Australia)
The Benefits of Positive Data Reporting Experian | 23 May 2018 Extract: Benefit of a comprehensive data bureau © Experian • 23/05/18 • The Benefits of Positive Data Reporting • Extract Benefit of a comprehensive data bureau The degree of benefit increases with information shared s e t a r l a v o r p p A 80 60 40 20 0 s e t a r t l u a f e D 4 3 2 1 0 Effect on approvals of including positive information (US data)^ 88% increase in approvals 74.8 39.8 Negative info Positive + negative info Effect on default rates of including positive information (US data)^ 43% decrease in defaults 3.35 1.9 Negative info Positive + negative info ^ Source: Credit Reporting Knowledge Guide (2nd edition), IFC World Bank Group, Advisory Services 2012 © Experian • 23/05/18 • The Benefits of Positive Data Reporting • Extract Effect on default rates of increasing number of information sources^ Positive 2.22 41% decline 1.31 2.41 79% decline 0.52 Large bank Small bank Bank information Bank + bureau information Effects on default rates of including positive information (Argentina and Brazil)^ 22% decline 3.81 2.98 3.37 45% decline 1.84 Argentina Brazil Negative info Positive + negative info ©2018 Experian Information Solutions, Inc. All rights reserved.
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