Experian
social improving financial health the value of credit bureaus how do credit bureaus benefit consumers businesses and economies view from the world bank transparent credit information is a prerequisite for sound risk management and financial stability bureaus reduce default risk and improve the efficiency of financial intermediation in a competitive credit market consumers benefit through lower interest rates effective credit reporting systems can mitigate a number of market failures they reduces problems of adverse selection and asymmetric information between borrowers and lenders this reduces default risk and improves the allocation of new credit promotes a responsible credit culture by discouraging excessive debt and rewarding responsible borrowing and repayment allows borrowers to build a credit history to access credit especially beneficial for small enterprises and new borrowers with limited physical collateral evidence from the financial crisis suggests that positive credit information helped to safeguard the financial access of borrowers that would have otherwise been cut off from institutional credit of our revenue came from our credit bureaus in | Experian
Company
Deck Type
ESG
Sector
Industry
Deck date
June 2022
Slide
17 of 91
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