Happy Halloween from Sarma!
Happy Columbus Day from Sarma!
The Equifax Data Breach – Information You Need To Know
The recent Equifax data breach has exposed 143 million Americans to potential identity theft. This breach was caused by hackers gaining access to key items of data including names, Social Security numbers, dates of birth, addresses, driver's license information and credit card numbers. This breach occurred at Equifax, one of the three national credit reporting [...]
Happy Labor Day from Sarma!
Staying Compliant in the Vastly Changing World of Background Screening
Navigating the world of background checks is becoming more and more difficult for today's employers. Recently, the Equal Employment Opportunity Commission (EEOC) made significant changes to how employers are required to obtain and use criminal history information. Employers, both large and small, will be affected by the strict technical requirements of governing parties like the [...]
Public Record Reporting Changes
Urgent Reminder, Effective July 1, Public Record Reporting Changes Expected New standards have been established for the collection of public record information. In the collection of this data both standards must be met in order for the information to be reported to the credit repositories. The standards include requirements for identifying information such as name, […]
Credit Bureaus Change Public Standards
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 is here.
(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 [...]