We didn’t just study consumer credit.
We helped write the law.
For two decades we have been the foremost authorities on consumer credit and alternative data — the experts litigators call when a case turns on how credit really works, and how it should.
Depth you can put on the stand.
Two decades at the center
We have led the research — and the institutions — at the center of consumer credit for more than twenty years. This is a field we helped shape, not one we studied from the outside.
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.
Built to withstand scrutiny
Our reports apply the same quantitative standards regulators and multilateral institutions demand, explained so a judge or jury can follow them. Method first — the kind that holds up under cross-examination.
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.
A narrow practice, deep where it counts.
We concentrate on a small set of services where our experience is deepest and our value to your matter is highest.
Credit Reporting
Credit Damages
Data Breach Damages
Credit & Industry Policy
Quantitative Research & Damages Modeling
Strategic Consulting
Work that reaches past the case file.
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Our research helped open credit scoring to alternative data, giving hundreds of millions of consumers worldwide a path to a credit history.
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Our empirical work has been part of U.S. legislative and regulatory processes, including the modernization of fair credit reporting law.
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We have worked with agencies such as HUD on how rental reporting and other new data sources change credit scores.
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We advise multilateral institutions and central banks designing or reforming credit-reporting frameworks worldwide.
Clients, institutions, and the press.
Clients & institutions
In the press
The most consequential matters never make headlines.
They settle, under seal. Our record lives in those outcomes — and in the firms who retain us again.
Their 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.
Dr. Turner and his team provided us with consummate expert services on a range of consumer credit reporting issues. His affirmative and rebuttal reports were instrumental in securing positive outcomes for our client.
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 credit reporting or scoring?
If your case or enforcement action turns on how credit reports, scores, or data flows work in practice, the cost of getting it wrong is high. We can help you get it right.
Request a consultation