The new UltraFICO credit score is scheduled to roll out as a pilot program in early 2019.
It’s an opt-in score that uses data about 消费者’ banking behavior—the length of time their bank accounts have been open, 活动的频率, and evidence of saving—in addition to their payment practices to calculate a score.
益百利, FICO, and Finicity estimate this new score has the potential to improve credit access for many Americans, and assert that it’s particularly relevant for those with current credit scores in the upper 500s to lower 600s. Consumers with limited credit history or those with previous financial distress also could benefit.
I’ve heard from a lender that the new system won’t show judgements on the initial credit search. It only comes later in the second, deep search right before they close the loan. Does anyone know if that’s accurate information? 如果是这样，我预计会有很多麻烦.
信用报告机构(CRA) - 益百利, Equifax and Transunion) are no longer providing information on either judgments or tax liens. The credit bureaus (the ones to put together and sell credit reports) now seem to be relying on Lexisnexis or similar type company to provide that information. 问题是它有多准确? That’s why the CRA’s stopped including it – much of it was not verifiable or just plain wrong. Mortgage companies will have to see if the credit report provider they use is providing that information.
这将使一些贷款破产, 就在卖方期望成交的时候, 可能同时有两个家, 一次销售和一次购买. I see that as a huge disappointment for lots of people, giving Realtors potential for more Realtor distrust and dislike! Once a loan approval is given, it should not be retractable unless 买家 situations change.
让我们看看，益百利被黑了. So why not give them access to your banking information. 有什么可能出错呢.
实际上是Equifax被黑了, 但尽管如此, what gives them (the credit reporting agencies) the right to look at your banking information without your permission. 如果只是数字，我.e. number of late charges, average account balance, etc. with no account numbers, at least the information shared would not be account specific.
罗恩·斯图尔特- that is why it is an “opt-in” program.
你在开玩笑吗?? We don’t need them into our business or information any further that they already are and that is for sure!!
我的观点完全正确!
Ultra FICO is, in essence, a new scoring model which now takes into account banking information. The only three scoring models on any mortgage credit report are FICO v. 2.0 (益百利), FICO Classic 04 (Transunion) and FICO Beacon 5.0 (Equifax). Those are the only scoring models approved for any GSE backed loan and they are 14-20 years old. 直到改变, there will probably not be any impact on credit scores on a mortgage credit report. 也就是说, often times low scores are a result of inaccurate information, and any report generating low scores should be reviewed by someone trained… 阅读更多»
Looks like this is at least an opt-in choice for 消费者, but I feel sorry for those who are forced by a lender to utilize the service. So much for lenders doing some due diligence, and what a security breach nightmare waiting to happen!
Congratulations, you just admitted to a felony and provided a good address to locate you. 我相信他们很快就会见到你的. 发那个真是太蠢了