1. An Overview of Consumer Data and Credit Reporting;Avery;Federal Reserve Bulletin,2003
2. Does Credit Scoring Produce a Disparate Impact?;Avery;Real Estate Economics,2013
3. Crackdown on ‘Piggybacking’ Creates Unintentional Woes;Berney;Cards & Payments,2007
4. Board of Governors of the Federal Reserve System 2007 Report to the Congress on Credit Scoring and Its Effects on the Availability and Affordability of Credit http://www.federalreserve.gov/boarddocs/rptcongress/creditscore/creditscore.pdf
5. Foreclosure's Wake: The Credit Experiences of Individuals Following Foreclosure;Brevoort;Real Estate Economics,2013