The mission of the MISMO Credit Reporting Workgroup is to develop and maintain industry standards for the electronic ordering and delivery of credit reporting data that is used to qualify borrowers applying for mortgage loans.

High Level Goals

The goal of the workgroup is to promote common credit reporting data standards that improve the efficiency and data quality of the mortgage credit data.

How to Participate

Get involved by joining the Credit Reporting Workgroup Listserv discussions; participate in conference calls and the trimester face-to-face meetings. Notices of conference call times and call-in numbers are distributed via the MISMO Credit Reporting Workgroup Listserv prior to the call.

To sign up for the Credit Workgroup listserv visit the Listserv Sign Up page.

Contact Info

Co-Chair: Paul Wills, Equifax
Co-Chair: Michael Bixby, eHereNow

Who Should Participate in the Credit Workgroup?

• Lenders
• Credit Reporting Agencies Vendors
• Credit Data Repositories
• Vendor Portals

Published standards, papers and guidance:

• General Information and Credit Reporting Implementation Guides (Versions 1.x)
• General Information and Credit Reporting Implementation Guides (Versions 2.x)
• HTTP Post Name/Value Pairs Recommendation
• Credit Report Freeze Law Recommendation
• FACT Act Implications and Recommendations
• Credit Score Model Name Types Recommendations
• Credit Workgroup Reissue Reporting Recommendation (Update 1)

Current Activities

The Credit Reporting Work Group is currently working on the Version 3.x standards for the credit reporting standards. MISMO Work Requests and active tasks can be located on the MISMO Credit Workgroup Wiki main page.