Credit Reporting Forbearance Guide

MISMO's guide and sample credit response are designed to help industry professionals report on loans that have been in or are in forbearance using MISMO Reference Models v3.4 and v3.5.

The Credit Reporting Forbearance Guide was approved as FINAL in June of 2022.

This guide and sample response facilitate standardized visibility into accounts, not limited to mortgages, that have been in or are currently in forbearance pursuant to the CARES Act of 2020. The Forbearance Reporting Guide will assist professionals with information on how to standardize forbearance indicator data from the national credit repositories.

The guide covers how to extend the MISMO credit reporting standard to include additional information on credit liabilities that are in or have been in forbearance more accurately and eliminates the guesswork involved in interpreting free form comments.

For additional information, contact us at [email protected].

Access Information for Members

MISMO Members can access the Credit Reporting Forbearance Guide in the Resource Library housed on MISMO's Collaboration Site, "MISMO Connect" here.

Access Information for Non-Members

Non-MISMO members can access the Credit Reporting Forbearance Guide here. 


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