Credit Reporting Benchmark

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Once you've completed your purchase for a downloadable product, you can download it by:

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For many, furnishing data to TransUnion, Equifax and Experian is now fraught with considerations that were once less of a burden: compliance risk exposure, eOscar headaches, the outsized expense of managing process and audit results. Still, many agencies still use credit reporting as a way to encourage consumer payments---sometimes against the compliance department’s wishes. 

Some things have endured a sea of change: Rules around credit reporting and healthcare accounts remain confusing; consumer expectations of clean credit reports after payment can lead to consumer complaints later (all three CRAs frown on, if not explicitly disallow, the removal of trade lines from a consumer's credit report after payment); and the Consumer Financial Protection Bureau has credit reporting in its cross-hairs as a practice that can be used in a negative way against consumers. 


This Tool gathers together industry intelligence along with policies and procedures from insideARM members across a variety of debt industry verticals.

These documents can be useful in: 

  • testing your current policy/procedure against others in the industry
  • testing your own business practices
  • exposing gaps in your current process
  • understanding how others are tackling this issue
  • developing your own policy/procedure from scratch.

This information is culled from Compliance Professional Forum members. It is not legal advice, and is not intended to be legal advice.