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 | Mar 22, 2026
In February 2026, the Congressional Research Service issued a report, Fannie Mae and Freddie Mac Adopt Alternative Credit Scores.
by Eric J. Ellman | Mar 7, 2026
Dropping tri-merge reports hikes mortgage risk, paper claims By Brad Finkelstein February 20, 2026, 4:31 p.m. EST4 Min Read A paper from Andrew Davidson & Co. reportedly supports the notion that dropping the tri-merge credit report standard would result in...
