Statements (50)
| Predicate | Object |
|---|---|
| gptkbp:instanceOf |
gptkb:financial_technology
|
| gptkbp:accessibleBy |
Consumers
Authorized third parties |
| gptkbp:criticizedFor |
Lack of transparency
Data inaccuracy Potential for discrimination |
| gptkbp:dataCollected |
Credit bureaus
Lenders Public records |
| gptkbp:enables |
Consumer credit education
Credit monitoring services Risk-based pricing |
| gptkbp:evolvesFrom |
Merchant credit ledgers
|
| https://www.w3.org/2000/01/rdf-schema#label |
Credit Reporting System
|
| gptkbp:improves |
Credit market efficiency
|
| gptkbp:includes |
Credit reports
Credit scores Credit utilization Length of credit history Payment history Public records Recent inquiries Types of credit |
| gptkbp:majorBureaus |
gptkb:Equifax
gptkb:TransUnion gptkb:Experian |
| gptkbp:mayInclude |
Errors
Fraud alerts Identity theft alerts |
| gptkbp:operatesIn |
gptkb:United_States
Many countries |
| gptkbp:originatedIn |
19th century
|
| gptkbp:purpose |
Assess creditworthiness
|
| gptkbp:regulates |
gptkb:Consumer_Financial_Protection_Bureau
gptkb:Fair_Credit_Reporting_Act |
| gptkbp:subject |
Consumer rights
Data privacy laws Dispute resolution process |
| gptkbp:usedBy |
gptkb:Banks
gptkb:Credit_card_companies gptkb:Landlords Employers Lenders |
| gptkbp:usedFor |
Employment screening
Insurance underwriting Interest rate determination Loan approval Rental applications |
| gptkbp:bfsParent |
gptkb:CRS
|
| gptkbp:bfsLayer |
6
|