This paper describes the evolution of the various information sharing mechanisms that have emerged in Mexico; it studies their evolution, regulation and market structure. Sharing mechanisms alleviate the effects of asymmetric information in the credit market. It is known that the development of the credit market and information sharing mechanisms are closely related. We show that in Mexico info...

Credit is a widely used tool to finance personal and corporate projects. The risk of default has motivated lenders to use a credit scoring system, which helps them make more efficient decisions about whom to extend credit. Credit scores serve as a financial user model, and have been traditionally computed from the user’s past financial history. As a result, people without any prior financial hi...