by Eric J. Ellman | Mar 25, 2026
In March 2026, the American Enterprise Institute issued a report, The Credit Score Debate. The report highlights: A comparison of the predictiveness of VantageScore 4.0 and Classic FICO The problem of a premature two-score system Since there are large differences...
by Eric J. Ellman | Mar 25, 2026
In March 2026. the WSJ had an editorial, Another Bad Housing Idea. The MBA is “lobbying the Administration to let lenders underwrite mortgages based on a single credit report. The outfit says this would reduce borrower costs. Maybe, but taxpayers may pay a bigger...
by Eric J. Ellman | May 19, 2021
Last month, to coincide with Second Chances Month, the Brookings-AEI Working Group on Criminal Justice Reform issued a report, A better path forward for criminal justice: Training and employment for correctional populations. Brookings and AEI are often at opposite...
