Credit Reporting Community of Practice


The mission of the Credit Reporting Community is to develop, promote, and maintain credit data and standards that enable mortgage lenders, investors, servicers, vendors, borrowers, and other parties to exchange credit related data more securely, efficiently and economically. In addition, the Workgroup develops supporting documentation to provide guidance in the use of these data standards.

Credit Reporting Community Page   

Current Goals and Objectives

The Credit Reporting Community manages data elements that can be used by a mortgage originator to request, track, and cancel credit reports that are typically required in mortgage lending. The community continues with their efforts to develop reference documentation for implementers who need to exchange credit reporting information using the MISMO v3.x reference model.  Specific attention is being focused on trended data implementation gaps that exist within the current 3.x recommendation.  We will also be addressing implementation strategies for the recently enacted Military Lending Act (MLA).  

Major milestones and timeframes to support goals

  • · 3.x trended data implementation gaps - Q4 2017
  • Military Lending Act (MLA) implementation recommendation - Q2 2017
  • 3.x adoption and maintenance - No end date                


Ruth Eller,  CoreLogic, Co-Chair
Eric Ridenour,  MergePower Inc, Co-Chair

MISMO Meeting Schedule

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