Preserving The Mortgage Market Integrity
Why Credit Data Integrity Still Starts with Tri-Merge Mortgage finance is built on one principle that rarely makes headlines: standardization. When originators, aggregators, investors, mortgage insurers, and rating agencies can […]
New Federal Privacy Protections Begin March 5, 2026 — What It Means for Your Mortgage
Beginning March 5, 2026, a new federal law—the Homebuyers Privacy Protection Act—will significantly reduce “trigger lead” activity. Trigger leads occur when a mortgage-related credit inquiry can result in your contact […]
CIC Credit Now Includes Equifax’s The Work Number® Indicator—Free with Every Equifax Credit Report Order
At CIC Credit, we are committed to helping lenders move faster, reduce friction, and make smarter decisions with better data. That’s why we’re excited to announce a powerful new enhancement […]
FHFA and GSEs Announce Credit Score Model Options for Mortgage Delivery
The Federal Housing Finance Agency (FHFA), along with Fannie Mae and Freddie Mac (the GSEs), issued official updates yesterday regarding the credit score models approved for mortgage loan delivery. Effective […]
Recent Changes with Credit Industry and Regulatory Changes
Key Points Introduction As Mike Thomas, COO of CIC Credit, I’m sharing my perspective on the current state of credit industry initiatives, focusing on medical debt, trigger leads, and the […]