Insights

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

How IR Is Helping Lenders Prepare for the Trigger Lead Changes

How Informative Research Is Helping Lenders Prepare for the Trigger Lead Changes

With the trigger lead bill, the Homebuyers Privacy Protection Act (HPPA), set to reshape how credit inquiries can be used, lenders are preparing for new requirements that affect borrower interactions, workflow design, and compliance protocols....

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Understanding the New Trigger Lead Bill

Understanding the New Trigger Lead Bill and What It Means for Lenders

Trigger leads have been a point of frustration for borrowers and lenders for many years. With the recent passage of the new trigger lead bill , the Homebuyers Privacy Protection Act (HPPA), the industry is entering a new chapter focused on privacy,...

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Get Early-Stage VOIE Clarity Before You Spend Time (and Money) Chasing It

Mortgage teams don’t just need data. They need certainty early so they can route loans correctly, avoid unnecessary verification steps, and keep files moving. One common question arises quickly: Will there be income and employment data available on...

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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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