Provides a brief background on the history of rating agencies in the United States. Focuses on the mature process of data collection on an American consumer credit agencies and how to share the information to determine proper credit risk and creditworthiness of a consumer. The American system, as defined in this note can be compared against the lack of developed systems in emerging economies and contribute to a better understanding of the capital markets of the company.

Provides a brief background on the history of rating agencies in the United States. Focuses on the mature process of data collection on an American consumer credit agencies and how to share the information to determine proper credit risk and creditworthiness of a consumer. The American system, as defined in this note can be compared against the lack of developed systems in emerging economies and contribute to a better understanding of the capital markets of the company.
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from
F. Warren McFarlan,
Tracy Yuen Manty
8 pages.
Publication Date: Sep 22, in 2006. Prod #: 307057-HCB-ENG
History of Credit Agencies in the United States HBR case solution