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Oct 31, 2024 · Before there was credit scoring, there was commercial credit reporting. Unlike consumer credit reporting, where individuals are evaluated for their credit risk level, commercial …
The credit score as we know it was invented in 1989. That might help explain some of the odd things about credit scores, like how paying off an installment loan early can actually temporarily reduce credit score (it’s true!) and how you have to have credit to build credit.
Credit bureaus began popping up across the U.S. as reporting became more prevalent. They played an important role in collecting the information, but had a hard time figuring out the best way to …
Aug 21, 2018 · When credit scores came into existence and where they first appeared is a long story - one that actually starts in the mid-1800's. Although there's not enough space here to review every step leading to the FICO ® Score, in particular, there are some facts to its final development that are of great interest.
These agencies quickly evolved into commercial surveillance networks, amassing huge archives of personal information about American citizens and developing credit rating systems to rank them.
Aug 15, 2024 · Commercial credit score dates back to the 1800s when the predecessor to Experian (Retail Credit Company) started collecting data manually from individual merchants about their customers’ credit activity.
May 14, 2025 · Discover the origins of credit scoring, from early trust-based systems to the rise of FICO and modern alternatives like VantageScore.
Jul 22, 2015 · Though these experiments were limited to commercial credit—loans to businesspeople—they would have important implications for the later history of consumer credit rating. The most...
However, credit reporting has been a practice since the 19th century. Similar to how your credit score determines your risk as a borrower, commercial lenders in the early 1800s used credit reporting to 'score' potential business customers to determine the risk in providing them credit.
As nineteenth-century businesses were typically sole proprietorships or small partnerships involving two or three individuals at most, commercial credit reporting entailed investigations into the integrity of these specific people.
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