| Entities | |
| Topics and Issues | Credit scores (37) National Consumer Assistance Plan (“NCAP”) (3) Public Records (25) |
In December 2019, the CFPB issued a report, Quarterly Consumer Credit Trends: Public records, credit scores, and credit performance. This report
is part of a series of quarterly reports of consumer credit trends produced by the Consumer Financial Protection Bureau using a longitudinal, nationally representative sample of approximately five million de-identified credit records maintained by one of the three nationwide consumer reporting agencies. This ninth report looks at the National Consumer Assistance Plan (NCAP) public records provision’s effects on the relationship between credit scores and consumers’ credit performance for consumers that had a civil judgment or tax lien removed from their credit report and those that did not.