Glossary

Benchmark-discordant agreement

Accepting at least one of the two positive credit-reporting statements, which the Federal Reserve treated as inconsistent with prevailing bureau arrangements at survey time.

Source: Credit-Reporting Beliefs, Affordability-Related Use and Self-Reported Late Payment Among U.S. Buy-Now-Pay-Later Users: A Cross-Sectional Analysis of the 2025 SHED (Academic research) · p.10

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