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  "notes": "Includes a specific revenue metric at the bottom to tie the external validation to Experian's business model.",
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      "text": "View from the World Bank: Transparent credit information is a prerequisite for sound risk management and financial stability. Bureaus reduce default risk and improve the efficiency of financial intermediation. In a competitive credit market consumers benefit through lower interest rates. Effective credit reporting systems can mitigate a number of market failures. Promotes a responsible “credit culture”. Allows borrowers to build a credit history. Evidence from the financial crisis suggests that positive credit information helped to safeguard the financial access of creditworthy borrowers.",
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