What was the purpose behind the first consumer loans? Why do you think this occupation needs access to credit?

2. What was the level of the first maximum interest rates? How does that compare with interest rates on credit cards today? Why do you think there were higher interest rates on grain vs. silver?

3. Where did the earliest forms of credit reporting take place?

4. What consumer product drove the development of the consumer credit market in the early 1900s?

5. What financial product in the 1950s drove the need for a better system to understand the creditworthiness of customers?

6. What year was the credit score introduced and what were the two most important criteria used to calculate it?

7. Beyond lenders, who else is looking at consumer credit reports today?