This September 2012 CFPB report analyzes the differences between credit reports obtained by creditors and those obtained by consumers. CFPB analyzed credit scores from 200,000 credit files from each of the three major nationwide CRAs. The CFPB found that for a majority of consumers the scores produced by different scoring models provided similar information about the relative creditworthiness of the consumers. For a substantial minority, however, different scoring models gave meaningfully different results.
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