Insights

Explore expert insights, practical advice, and the latest trends from Informative Research on credit and verification.

Credit Score Modernization: What We Know About FHFA’s Direction on VantageScore 4.0 and FICO Score 10T

Credit Score Modernization: What We Know About FHFA’s Direction on VantageScore 4.0 and FICO Score 10T

As the mortgage industry navigates FHFA’s credit score modernization initiative, lenders are facing new questions around model choice, implementation timing, and operational readiness. With multiple scoring models approved and a phased rollout...

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What is FICO Score 10T

Understanding FICO Score 10T

As the mortgage industry navigates FHFA’s credit score modernization initiative, lenders are facing new questions around model choice, implementation timing, and operational readiness. With multiple scoring models approved and a phased rollout...

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What Is VantageScore 4.0?

Understanding VantageScore 4.0

As the mortgage industry navigates FHFA’s credit score modernization initiative, lenders are facing new questions around model choice, implementation timing, and operational readiness. With multiple scoring models approved and a phased rollout...

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Comparing Tax Transcript Retrieval: IVES 4506-C v. Halcyon’s Tax Wallet

Income verification continues to be one of the most critical—and complex—steps in the mortgage underwriting process. Whether you're working with self-employed borrowers, multiple co-applicants, or multi-year income histories, the task of gathering...

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A Smarter Path to 10-Day VOE with AccountChek®

Maximize Your Existing VOA for Seamless 10-Day VOE with AccountChek®

Reducing borrower friction while maintaining compliance is a constant challenge. Lenders are under pressure to move faster, keep costs down, and improve the borrower experience, all while meeting rigorous investor requirements. That’s why there’s...

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How to Unlock the Full Potential of AccountChek VOA

Turning Bank Data Into Loan Approvals AccountChek Verification of Assets doesn’t just check bank balances–it can also help lenders verify rental history, as well as income and employment in certain cases, saving time and money while potentially...

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R&W Relief

Big News: IR Supports Freddie Mac’s Expansion of R&W Relief Eligibility with Loan Product Advisor® AIM!

Freddie Mac’s recent expansion of Loan Product Advisor® (LPA SM) asset and income modeler (AIM) provides lenders with a smoother closing process and more opportunity to assess for representation and warranty (R&W) relief eligibility related to the...

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Credit Supplements Explained: Enhancing Accuracy and Speed

How real-time updates and enhanced accuracy are transforming the mortgage underwriting process. What is a Credit Supplement? A credit supplement is a service that allows lenders to request updates or additional information to a borrower’s credit...

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How Informative Research’s AccountChek Enhances Verification Processes for Mortgage Lenders

Streamlining Fannie Mae’s 10-Day Pre-Close VOE Requirements with AccountChek

How Informative Research’s AccountChek Enhances Verification Processes for Mortgage Lenders Fannie Mae’s recent updates to its Desktop Underwriter® (DU®) validation service mark a significant advancement in the mortgage industry’s employment...

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