Credit

IMBs outperform banks, face outsized scrutiny, and confront rising affordability challenges, according to the President of the Community Home Lenders of America.

Tri-merge mandates prop up a credit bureau/FICO oligopoly, raising mortgage costs with little benefit despite risk concerns, the chairman of Whalen Global Advisors argues.

A Community Home Lenders of America adds arguments against use of single bureau while another paper takes the position that the idea merits further study.

A housing official renewed his call for credit bureaus to address lenders' concerns. Low pull-through magnifies a cost that's small relative to others.

Last year highlighted the risks for banks in lending to nondepository financial institutions. A new approach by Trump-era regulators could change the playing field.

The trade group's letter to FHFA Director Bill Pulte pointed out that lenders were facing credit report price hikes for four straight years.

The rent reporting platform says it's helped tenants raise their credit scores by double digits and unlocked $30 billion more in mortgage lending.

Overall performance is stable but inflation and unemployment have hurt newer borrowers in some cases, according to Transunion's 2026 consumer credit forecast.

What developments around rent reporting and new credit standards portend for mortgage companies. Part 2 of a series on government-sponsored enterprise changes.

Social media posts point to a 40% to 100% price hike this year, the latest in a series of hikes started in 2023, when for some lenders prices rose 400%.

Renters can now enroll in CreditClimb through Zillow to have their on-time rent payments reported to the three major credit bureaus.

The credit score firm partnered with Plaid to bring additional cash-flow data into its previously released UltraFICO score.

The multi-year, $100 million agreement will allow users to take financial actions without leaving the ChatGPT app.

Mortgage credit availability increased 2.3% to 106.8 last month, marking the fourth consecutive month of growth.

Late-stage mortgage delinquencies hit the highest level since January 2020 in September, a new report from VantageScore found.

Several claims in a recent Loan Think column misrepresented how credit scores and resellers work in mortgage lending, according to the president of the National Consumer Reporting Association.

Regulators are nearing a key step in overhauling credit scoring as the MBA touts its influence on GSE policy and close alignment with Washington leaders.

Following a $60 million credit hit, the Salt Lake City bank said that it hasn't found any other related problem loans.

Other studies have found fewer credit pulls could be viable, but this shows millions more would be adversely impacted than in a bi-merge.

Transunion will offer the credit scoring model for $4 in 2026, following previous moves made by VantageScore partners Experian and Equifax.