Ua hōʻike ʻia kahi hōʻike hou e ka ʻ Policylelo Hoʻolaha Kālā Hoʻolaha a me ka ʻUmi (PERC) e hōʻike ana i nā hana kaohi ʻana i ka ʻikepili / hoʻopau ʻana i nā hana e hoʻoponopono ai i ka hāʻule ʻana o ka hoʻokele waiwai o COVID-19 e hōʻemi loa i ke komo i ka hōʻaiʻē ke hoʻokō ʻia. ʻO ka hōʻike, i kapa ʻia ʻo "Nā hopena mai ke kaohi ʻana o ka System-Wide of Derogatory Data in Credit Reporting," i hoʻohālikelike ʻia i nā hopena o ke kāohi ʻana i ka largescale a me ka holoi ʻana i ka ʻike hōʻaiʻē maikaʻi ʻole.

No nā mahina he 18 i hala aku nei, ua hakakā nā mea hana kulekele i ka US a puni ka honua me ka pilikia paʻakikī o ka hoʻopau ʻana o ka mākeke mai nā hana mālama ola e pono ai. Ma ka home, ʻo ka haiki a me ka pahuhopu hōʻike hōʻike hōʻaiʻē mai ka CARES Act me he mea lā ua kūleʻa nui ʻia. Eia nō naʻe, ua kāhea ʻia e kekahi mau lālā o ka ʻAhaʻōlelo no ka pāpā loa ʻia ʻana o ka ʻōnaehana hōʻike hewa, e uhi ana i nā mea kūʻai aku āpau (a no kekahi mau manawa ma hope) o ka pilikia COVID-19 - kahi kulekele i kapa ʻia ʻo "suppression and delete. . ”

ʻOiai ke hele nei ka maʻi ahulau i ke ala kūpono i ka US, ʻaʻole loa ka ʻāina i waho o ka ulu lāʻau. Me 22% o ka US heluna kanaka i hoʻoponopono ʻole ʻia, a ʻoi aku ka nui o nā helu o ka lāʻau lapaʻau ʻana ma ka honua a puni, nui ka manawa kūpono no ka pilikia olakino e hele ʻaoʻao. Inā kū kēia, hiki i nā luna kau kānāwai ke hoʻowalewale ʻia e hana i nā hana hoʻopau / holoi ʻia e pale ai i nā mea kūʻai aku. Eia kekahi, ua hoʻolauna ʻia nā noi ʻoi loa o kēia ala i ka ʻAhaʻōlelo ma ke ʻano he hoʻololi i ka National Defense Authorization Act (NDAA). ʻOiai ʻo ka manaʻo maikaʻi, e like me ke ana ākea, ʻoi aku ka pōpilikia o nā noi i nā mea hōʻaiʻē ma mua o ke kōkua ʻana - i kēia hihia nā pūʻali koa hana.

Ua loaʻa ka hōʻike o ka PERC me ke kulekele kaomi / kāpae ākea ma kahi, piʻi aʻe nā helu ʻaiʻē maʻamau - akā ʻaʻole lawa e kūlike i ka piʻi like ʻana o ka helu hōʻoki i hoʻohana ʻia e nā mea hōʻaiʻē e hoʻoholo i nā mea hōʻaiʻē e hōʻole a e ʻae. ʻO kahi laʻana, ma hope o ʻeono mau mahina o ke kaomi ʻana / kāpae ʻia, piʻi aʻe ka helu hōʻoki i 699 a ʻo ka piʻi ʻana o ka helu ʻai ʻai a hoʻonui ʻia i 693. ʻO ke ākea ma waena o nā mea ʻelua e hoʻonui ana i ka manawa, ʻo ia hoʻi ka lōʻihi o ke kulekele kaohi. ka nui o ka poʻe e hōʻole ʻia ke komo i ka hōʻaiʻē mainstream kūpono.

Hōʻike pū nā hōʻike mai ka noiʻi hou e ʻike nā hōʻaiʻē ʻōpio, nā mea hōʻaiʻē haʻahaʻa, a me nā mea hōʻaiʻē mai nā kaiāulu liʻiliʻi i nā hopena maikaʻi ʻole. I hoʻokahi laʻana, ʻoiai ʻo ka ʻae ʻana i ka hōʻaiʻē no ka heluna kānaka āpau i hōʻemi i 18%, ua hāʻule ia 46% no nā mea hōʻaiʻē muli loa. ʻO kekahi hanana hou, e pili ana i ka hopena o ka pōʻino o ka pono mai kahi kulekele o ke kāohi ʻana / kāpae ʻia, ua loaʻa ka loaʻa kālā hōʻaiʻē no 18 a 24 mau makahiki i hoʻoliʻiliʻi ʻia e kahi 90% kupaianaha. ʻO ka hopena ākea e pili ana i ka makahiki hoʻokahi e loaʻa ka hopena mau i ko lākou hiki ke hana i ka waiwai a kūkulu i nā waiwai - ʻike nui ʻia e like me ka Millennial i hakakā ma kēia mua e pili ana iā Gen-Xers a me Boomers i ka makahiki like. Ma ka loaʻa kālā, ua haule ia 19% no ka pūʻulu loaʻa haʻahaʻa akā 15% no ka mea kiʻekiʻe loa - he 27% ʻokoʻa. No nā lālā o nā home i keʻokeʻo, ʻaʻole nā Hispanic ka hapanui o nā wahi, ua hina ia 17%, akā ma nā wahi ʻeleʻele ka hapa nui, ua hāʻule ia 23%, a ma nā wahi Hapanui-nui, ua hāʻule 25%.

Ma kahi o ʻelua mau makahiki o ka noiʻi ʻana o PERC i ka hoʻohana kuleana o ka ʻikepili e hoʻonui i ka hoʻokomo kālā. ʻO kēia hoʻopaʻa ʻana he hoʻomau ʻana ia o kahi pepa keʻokeʻo ma mua i kapa ʻia ʻo "Maikaʻi ka Hoʻohui ma mua o ka hoʻoliʻiliʻi: nā hopena mai ke kaohi ʻikepili a me nā pono o ka hoʻohui ʻana i ka ʻikepili maikaʻi aʻe i ka hōʻike hōʻaiʻē." Ua loiloi hou i ka noiʻi mua e pili ana i ka holoi ʻana i ka ʻikepili a hōʻike i nā ʻike kūmau i nā ʻikepili ʻana he mea hōʻino i nā mea hōʻaiʻē. I ka hoʻohālikelike ʻana i ka kāohi / kāpae ʻana, ua ʻike ka noiʻi PERC i ka hoʻohui ʻana i ka ʻikepili kālā uku ʻole i nā hōʻike hōʻaiʻē mea kūʻai e hoʻonui i ke komo i ka hōʻaiʻē nui no nā ʻike hōʻaiʻē (ʻo ka poʻe loaʻa kālā haʻahaʻa, ʻōpio a me nā ʻelemākule ʻAmelika, nā kaiāulu liʻiliʻi a me nā malihini).

Ua paipai ka hōʻike i ka hoʻohui ʻana i ka ʻikepili uku (maikaʻi) o nā kelepono, kelepona uea a me ukali, a me nā ʻoihana hoʻolele i loko o ka ʻōnaehana hōʻike hōʻaiʻē, ma mua o ka holoi ʻana i ka ʻikepili uku maikaʻi (lohi). ʻO ka hoʻokomo ʻia ʻana o ka ʻikepili wanana ma o nā kahawai i ʻae ʻia e nā mea kūʻai aku hiki ke kōkua i ke hoʻopau ʻana i ka hōʻino ʻana o ka ʻikepili waihona hōʻaiʻē maʻamau i loaʻa mai ka maʻi ahulau.

Ua haʻi ʻo Pelekikena Pelekikena a me CEO ʻo PERC, ʻo Kauka Michael Turner, "Ua hoʻokō ka poʻe kālaiʻāina o US i kahi kaulike lahilahi me nā ʻāpana ʻo CARES Act - i holo pono. Ke neʻe nei i mua, eia naʻe, hōʻike kā mākou noiʻi pono lākou e hehi pono. " Ua kuhikuhi ʻo Kauka Turner i ka likelihood i kāpae ʻia ka poʻe ma ke ʻano he hopena o ke kāohi ʻana / kāpae ʻana e huli i nā mea hōʻaiʻē kiʻekiʻe (pawn shops, payday lenders, title title) e hoʻokō i kā lākou pono hōʻaiʻē maoli. "Manaʻo mākou ʻo ka manawa kēia no ka ʻAhaʻōlelo e hana e paipai i ka hoʻokomo ʻana o kahi ʻikepili ʻē aʻe i nā hōʻike hōʻaiʻē mea kūʻai aku," i hoʻohui ʻo Turner.

ʻO ka Society for Education Education & Professional Development (SFE & PD) ka mea hoʻokumu a me Pelekikena Ted Daniels i hoʻohui, "ʻO ka hōʻike a PERC e pili ana i ka hōʻike hōʻaiʻē i loko o ka ʻikepili kūpono no ka mea kikoʻī e pili ana i ka hoʻopiʻi ʻana o ka ʻikepili a COVID-19 e hōʻemi ana i ke komo i ka hōʻaiʻē no nā mea kūʻai aku, ʻo ia hoʻi. heluna lehulehu. Eia kekahi, hōʻike ka hōʻike PERC i ka pono no ka hōʻike kūpono a pololei o nā ʻike hōʻaiʻē āpau - e like me ka ʻikepili uku maikaʻi o nā telecoms, cable and satellite TV, a me broadband - i nā hōʻike hōʻaiʻē. "

He aha e lawe ʻia mai kēia ʻatikala:

The PERC report found that with a broader suppression/deletion policy in place, average credit scores rise – but not enough to match the concurrent rise in the cut-off score used by lenders to decide which borrowers to reject and which to accept.
Such a widespread impact on one age group would likely have an enduring effect on their ability to generate wealth and build assets—notable as Millennials have struggled on this front relative to Gen-Xers and Boomers at the same age.
The gap between the two widens over time, meaning the longer a policy of suppression is in place, the more people who will be denied access to affordable mainstream credit.