Alternative Data U.S. Consumer Credit Reports: Measuring Accuracy and Dispute ImpactstsMichael A. Turner, Ph.D., Robin Varghese, Ph.D., Patrick D.
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In this paper we focus on the recent Spanish credit cycle which largely explains the banking problems in this country and, in particular, the episodes of financial instability and uncertainty that the Spanish banking sector suffered during 2009 and 2010. These episodes gave, in turn, rise to the implementation of banking restructuring plans in 2010 and early 2011. We characterize the sequential evolution of the credit cycle and claim that securitization and, in particular, mortgage-backed securitization (MBS onwards), together with housing prices, may have had a large and lasting effect – through excessive lending ...
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