Commercial, UAD 3.6, Data Analysis Tools; AI Governance, Consistency, and Focusing on the Basics

VantageScore, created in 2006, is a joint venture by the three major credit bureaus (Equifax, Experian, and TransUnion). Will it change your lending process? Possibly. Do government regulations change your lending process? States have trigger lead requirement overlays, over and above what was enacted at the Federal level in March. (Talk to your attorney.) Some states are rumored to be looking at bundling credit repor…