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Yes, I'd like to see it because it's the first I've heard of it. I'm just a bit reluctant to believe that any of the cra's are going to allow the model to be applied. One, they could be liable in a contribution action from a creditor under the ECOA and two, they want to push this Vantage score. Why help them any?
The cra's own the data. They can refuse a model if they wish.
Moreover, it doesn't mean that any lender will use FICO 08' even if it does come down the line. Lenders have the choice of what model to use.
I'm just making general statements here. I'm not directing this at you Pale.
I just can't get my head around the delays if they're going to actually do it. Maybe they will but, legally speaking, there is going to be subsequent fallout.
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