I Give the Credit Changes a Cautious Thumbs Up

But don’t expect me to be dancing in the streets.

I have to say I feel more than just a little bit uncomfortable about the information lenders are now about to see and what they can now deduce about my lending and repayment habits.  On the other hand I also have a reasonable understanding of the positive impacts that will result and so overall I approve of the changes but not strongly. The changes will result in a more efficient lending system, lead to faster economic growth, greater competition, and provide us with a system that gives people a fairer go in some key aspects.  I’m not strongly in favour simply because I don’t believe better and fairer access to credit is among the most important issue the nation faces.

In a system that relies on credit reporting there is a very direct trade-off between a fair and efficient system on one hand, and a high level of privacy on the other.  This trade-off is unavoidable and how you value each of those aspects  will determine where you think the right balance is.  Someone else with exactly the same knowledge will come to different conclusions because of their values.

What will improve?

We will see a system where lenders should make more profit, interest rates should be lower and it should become easier to get a loan.  If that sounds impossible, you’re curious about why, and you’re game enough, take a look scenario I have put together on the Data Geeks page to understand why.

The old system had two unfair aspects, it was:

  • Too punitive.  If you did the wrong thing you were effectively barred from mainstream credit for at least 5 years and there was nothing you could do about it.
  • Relied too much on demographic stereotypes.  If you happened to belong to an unfortunate demographic group you were regarded as high risk and again there was nothing you could do about it.

No one designed the system to be like that, it is a natural consequence of having very limited information.  If the only information about you is a black mark, it doesn’t matter that things have changed, it will hang around like a bad smell.  It is statistically true that younger borrowers are riskier that older borrowers, that singles are riskier than those married, that renters are riskier than home owners.  If there is nothing much else to go on you are as risky as the demographic group you belong to.

Under the new system these factors are reduced much closer to their proper perspective.  That you pay your bills basically on time, most of time, is much more relevant than your age to the question of whether it is a good idea to lend to you.  The big winners from the change will be younger borrowers who will find it much easiest to get a loan than they have in the past when they were automatically regarded as high risk.  Paying your bills on time now will at least partially overcome any past bad credit history.

It was one of our early discoveries at Dun and Bradstreet that very recent repayment history is much more important statistically than older history: the system has a natural forgetfulness.  This means that consumers have a lot of control over their credit worthiness, and a change in behaviour will be reflected relatively quickly in your risk profile.  This is a big change from the past.  One word of warning though: while recent good behaviour will generally overwhelm past problems, a default is a line in the sand that is a bad idea to cross.  A past default stays statistically important for a long time.  So don’t be too concerned about being late with the odd payment unless you are currently applying for a loan but don’t let things get out of control.

 

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