As industry and consumer needs evolve, the national CRAs continue to enhance the quality standards surrounding and supporting credit-reporting activities. In 2015, TransUnion, Equifax, and Experian announced the National Consumer Assistance Plan (NCAP), a set of initiatives designed to improve the accuracy of credit report information, as well as to provide consumers with a better [...]
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(Trended Data Webinar Link Available) IMPORTANT NEWS FOR OUR MORTGAGE LENDERS CONCERNING TRENDING DATA: Trended credit data is a 24-month comprehensive view of borrowers’ historical credit performance to be utilized in consumer credit assessments for mortgage applicants. This data can benefit mortgage lenders by providing more information used for evaluating a home loan applicant, supplementing the traditional moment-in-time [...]
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