No. C2002002 2002 1 30 : 2001 12 25 1
2 : Credit public credit private credit
3 business individual 1.1 1.1
4 1.1 1.1
1.1 5
6 1.2 3C character capacity collateral
7 : 1801 200 7
IT 1910 1916 Russell Sage 20 20 60 80 50 60 8
60 1980 16 16 16 Fair credit report act FCRA Equal credit opportunity act ECOA 1 2 3 4 5 9
10 7 5000 FTC 1996 FCRA 5 FBI FCRA l 2 3 4 5 6 7 8 9 10 11 12 10
l3 30 14 15 l6 1978 3 20 1 9 8 2 3 4 5 1969 7 1 4 72 11
4 1000 1975 10 1 60 2 3 30 90 4 5 6 7 50 100 12
100 1000 1970 10 50 John Ventura 1998 1988 11 EFT 1978 10 1980 3 4 10 1982 10 1987 1975 1988 -- -1989 8 1977 UCC UCC 1974 13
: 1000 0 99 20 5 0 19 20 39 40 59 60 79 80 99 39 40 0 19 40 59 20 39 20 39 39 38 1000 1000 100 1000 14
15 ECOA 249 10 18 2000 8 13 10
2000 2 E-loan 2000 4 Fair.Isaac E-loan Fair.Isaac (Craig Watts) 2000 5 2000 6 Freddie Mac(FRE www.freddiemac.com) FICO Freddie Mac Fair Isaac TransUni2000 5 Experian 16
17 Credit Bureau Equifax Trans Union Credit Union 1 Instant Credit 2 3
4 5 FCRA 3 5 20 60 TRW TRW 1 2 3 18
1 1 2 2 3 4 2.1 Retail Credit, Consumer Credit Experian Equifax Trans Union TRW Chilton 1860 1906 National Association of Retail Credit Agencies Associated Credit Bureaus,Inc.,ACB 1906 6 ACB ACB ACB Inc. TRW Thompson- Romo- Wooldrige, 1996 11 14 TRW Creditbase 2 Member Merchant, Serve Establishment 19
TRW 6 9 9 9 TRW Loan rating Deposit Rating 1989 TRW Chilton 1996 11 4 Credit Information Solution The Great Universal Stores PCL Nottingham CCN Experian 2 15 Equifax 1899 14000 Equifax 1.9 1500 10 15 Equifax 4 1 2 3 4 Equifax Trans Union Trans Union 1988 2.2 Trans Union 2 1990 Trans Union 45 220 Ameri-fact 20
Tfi Trans Union 1990 CRONUS Credit Reporting On-Line Network Utility System In File Credit Report, Residential Mortgage Credit (Employment Report) (Business Report)) (Personnel Report), 1 Identifying Information Social Security Number 2 Credit Information 3 Public Record Information 4 Inquiries TRW TRW 1 TRW External Inquiry ;2 TRW Internal Inquiry Negative Information 21
TRW TRW 1 1 TRW TRW TRW TRW TRW TRW 2 Credit Union TRW TRW TRW 22
23 3 TRW 4 TRW TRW a b c. TRW 2
TRW 1 1 2 3 2) TRW TRW E-Mail TRW TRW 3 statement TRW TRW 350 TRW TRW 76% TRW 24
TRW TRW risk score ( ), ( ) 0-1000 0 363-840 840 25
26 20 30 (1) (2) (3) 1932 6 30 40 1933 6 6 50
80 () ( ) 1987 1987 1989 1988 20 1989 1990 1989 9 1990 1992 1992 12 1993 1992 12 50 27
2000 20 80 2000 1999 A B C D 85 A 99 11 14 7 AAA AA A BBB BB B C C 2000 9 AAA 60 AA 10 A 5 BBB 28
1 BB 5000 B 3000 C 0 A 5 1995 1995 1.5 5.7 1999 547 68 3 100 1999 5 15 2000 6 28 2000 7 1 100 15 300 200 29
4 7 2000 4 2001 3 110 2000 1.3 1300 4 500 7 1 2001 2000 7 2000 10 30
31 200 20 (1) (2) (3) (4) (5) 1 2
32 3 (1) (2) (3) 4 ( ) ( ) 70 5 10