We didn’t just study consumer credit.
We helped write the law.
Expert witnesses on credit reporting, credit scoring, and damages, retained by plaintiffs, defendants, and regulators in 47 matters since 2001.
The field is full of self-described credit experts, many from sales and marketing. We are economists who have measured how credit reports, scores, and disputes actually work, and we explain it so a judge or jury can follow.
Depth you can put on the stand.
Two economists who know how credit data actually works, and a record built in depositions, arbitrations, and federal court.
How to choose a credit reporting expert witness →
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Two decades at the center
We have led the research at the center of consumer credit for more than twenty years, including the large-sample studies of credit report accuracy and disputes. We also run a consumer reporting agency ourselves. We know how bureaus and furnishers work from the inside.
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Beyond credit reporting
Our damages work reaches past credit files into data-breach and consumer-data matters, where we quantify the real-world harm a practice or exposure actually causes.
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Built to withstand scrutiny
We document our data, assumptions, and methods so the other side can replicate them, and we explain them so a judge or jury can follow.
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Retained by both sides
We have been retained by plaintiffs and defendants, by regulators and by industry. That range means we can anticipate the arguments you will face — and the ones the other side is preparing.
We've seen credit reporting from every side.
For the credit bureaus
We have been retained by consumer reporting agencies, and on matters involving all three nationwide bureaus and LexisNexis Risk Solutions. We know how bureaus build files, match data, and handle disputes.
For regulators
We have been retained by the CFPB and the California Department of Justice, and have testified five times before the House Financial Services Committee. Congress adopted all seven of our 2003 recommendations into FACTA.
As a consumer reporting agency
In 2019 we co-founded Verify4, a consumer reporting agency. The FCRA's duties on accuracy, permissible purpose, and disputes are ones we meet ourselves.
Around the world
Our research on alternative data helped open credit to hundreds of millions of people. We have advised in 25 countries, and 12 have changed their credit laws with our help.
The foremost authorities on consumer credit.
From one disputed tradeline to class-wide damages.
Credit Bureau & Furnisher Cases
Credit Damages
Data Breach Damages
Credit & Industry Policy
Quantitative Research & Damages Modeling
Strategic Consulting
Clients, counsel, and the press.
Credit bureaus
Government agencies
Financial institutions
Law firms
Data-breach & data-regulation matters
Media
Tested in depositions, arbitrations, and federal court.
Since 2001 we have been retained in 47 matters, from FCRA class actions and data-breach litigation to regulatory enforcement. Dr. Turner has given trial testimony in federal court and has never been subject to a Daubert challenge.
[Sorrell v. IMS Health] continues to be one of the most important First Amendment precedents in numerous cases involving data regulation … PERC and Dr. Michael Turner's participation in the case was invaluable.
Dr. Turner and his team helped our financial services client in a complicated enforcement action. PERC's expert report was the star of the show. Their original quantitative research was instrumental in reaching a fair and groundbreaking settlement that could have implications nationwide. I give PERC my highest recommendation for expert witness matters pertaining to consumer credit.
I am always pleased to consult with Dr. Turner on matters relating to consumer credit reporting. He has helped my clients on multiple litigation and non-litigation matters, and his expertise in the field is unparalleled.
Have a matter involving a credit bureau, a furnisher, or a data breach?
If your case or enforcement action turns on how credit reports, scores, or consumer data work in practice, the cost of getting it wrong is high. Conflict checks are free.
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