Tagged: Credit Reports

Cash-flow data embedded into lending platforms aims to reduce friction and expand access for nontraditional borrowers

Initial securitized loans with Freddie Mac highlight operational questions following Federal Housing Finance Agency policy shift

Equifax data shows fallout rising and score costs driving nearly half of credit report expense while VantageScore 4.0 introduces new competition

New GSE updates allow immediate use of VantageScore 4.0 and signal shift toward multi-score underwriting environment

Rule removes disparate impact standard, shifting focus to intentional discrimination and redefining compliance for lenders

Calls for greater competition in credit scoring as price increases draw scrutiny

RiskRatio upgrade gives lenders earlier visibility into borrower performance as delinquencies rise and credit cost pressures intensify

Findings show improved pre-screening could boost efficiency and first-time buyer access amid rising tri-merge costs and pricing shifts

Lenders face rising tri-merge costs, but FICO says bureau markups — not its base pricing — are driving the increase

Federal suit claims a California borrower’s credit was pulled without permission during a refinance inquiry