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PODCAST

Talk Data To Me | Certified Credit

Certified Credit

Today’s mortgage industry is built on powerful data analytics and innovative solutions. From thriving through industry change to tackling new regulations, our new “Talk Data to Me” podcast brings experienced, FCRA expert-level knowledge to you in the car, on the road, or wherever you go. Listen as our team explains how to empower your mortgage lending practice and create a more profitable – data-driven – and efficient lending environment. Learn more and discover additional resources at

business management

All Episodes

00:21:37

Tackling Trigger Leads [Episode 12]

Talk Data To Me | Certified Credit ·

2022/08/25

What’s one of the hottest topics during a purchase market? Trigger leads — what are they? Why are they allowed? Do they benefit borrowers? How about lenders? In this episode, we are discussing the marketing product created by the national credit bureaus, Trigger Leads, and how they are impacting today’s lenders and consumers. Join our data nerds, Nicole Mattiello, VP of Marketing & Corporate Communications, and Paul Robinson, Regional Vice President, as they offer insights and tactics to help

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00:18:39

Consumer vs. Mortgage Credit Scores [Episode 11]

Talk Data To Me | Certified Credit ·

2022/08/11

We have all been there, a borrower says they have a 720 credit score, but when you get the report back they have a 680. How can that happen? How do you explain the difference to your borrower? In this episode of Talk Data to Me, we are joined by Mark Teta, Regional VP at Certified Credit to talk about the differences between credit score models and ways lenders can better educate their borrowers on the impact of the various scoring algorithms. Episode Resources Consumer Credit Check Federal law

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00:51:40

NextGen Homebuyers with Kristin Messerli of...

Talk Data To Me | Certified Credit ·

2022/07/28

Homebuying has always been one of the most complex and important decisions an individual can make. But, with the impacts of the COVID-19 pandemic, lacking financial education, and the challenges of the current housing market, the next generation of homebuyers is finding it more challenging than ever before to navigate the home buying and mortgage lending process. In this special episode of Talk Data to Me, we are joined by a special guest, Kristin Messerli, VP of Strategy at Experience.com. Our

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00:10:15

Credit Freezes, Identity Theft, & More. [Episode 9]

Talk Data To Me | Certified Credit ·

2022/07/14

Credit Freezes, Identity Theft, & More. For consumers (borrowers) a credit freeze is one way to protect against identity theft by restricting access to your credit report. For example, let’s say a cybercriminal steals your identity (e.g. social security number or other personal information) to try to apply for a loan in your name. With a credit freeze, the lender/creditor would reject the application because they would be unable to access the credit report. As a result, credit freezes be a

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01:08:09

Social Media Strategy & Compliance for the Mortgage...

Talk Data To Me | Certified Credit ·

2022/06/30

Social media is changing the way that consumers act, think, and communicate faster than any other modern medium. Today’s consumers rely on social media for more than just staying in touch with friends and family. They depend on it to provide updates on the latest trends, alerts about breaking news, and insights to the people and businesses that they choose to work with. For today’s lenders that means keeping up with emerging social media marketing trends and connecting with the homebuyers of today

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00:17:54

Automating Your VOE Strategy [Episode 7]

Talk Data To Me | Certified Credit ·

2022/06/16

Verification of Employment (VOE) is critical to the lending lifecycle. It helps lenders make smart risk decisions and understand their customer’s financial picture. But for many lenders, the current VOE process is cumbersome, time-consuming, and often costly. Check out the latest "Talk Data to Me" podcast episode with Ron Carlson, SVP of Product Development, to learn how automating key aspects of your loan origination process, such as VOE, can offer many benefits and simplify your operations. Learn

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00:15:13

Tackling Undisclosed Debt Monitoring [Episode 6]

Talk Data To Me | Certified Credit ·

2022/06/02

Sometimes what you don’t know can hurt you. Borrowers can and do incur additional debt in the time between application and closing, leaving you vulnerable to fallout or repurchase risk. So, how can lenders protect themselves from being blindsided at closing? Check out this episode of "Talk Data to Me" with Samantha Markwood to learn how lenders are leveraging technology to actively monitor their borrower's credit and prevent surprises at the closing table. Learn more about Undisclosed Debt

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00:18:22

Who's Keeping Score - Tri-merge Reports, Alternative...

Talk Data To Me | Certified Credit ·

2022/05/19

Data drives the decisions that can help make homeownership a reality for your customers. And the best way to get a complete picture of your applicants is with a Tri-Merge Credit Report. In this episode of "Talk Data to Me", our credit expert Mark Teta explains the ins and outs of tri-merge credit reports and alternative data. Listen to discover how you can dive into the details with a comprehensive look at your borrower's credit history for enhanced decision making, reduced risk, and improved

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00:22:12

More Than Just a Score [Episode 4]

Talk Data To Me | Certified Credit ·

2022/05/05

The mortgage and credit reporting industries are changing. What used to be considered a commodity, is now anything but! Today, a credit score is about people, families, and lasting memories. To support not only the modern, digital mortgage process but also this emotionally charged buying decision, it takes more than innovative products and technology. It takes a heart and a people-focused approach. Join Samantha Markwood, VP, Client Success, and Jeff Woltemath, Senior Account Executive, for this

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00:19:01

Building a Strong Lead Qualification Process [Episode 3]

Talk Data To Me | Certified Credit ·

2022/05/03

In a competitive market, quality leads can be hard to come by. So in this episode of Talk Data to Me, we are tackling the challenges of lead generation and qualification, including: How can lenders find quality leads easily and affordably? When you have a lead, how can you make sure they are qualified? If they aren't, how can you nurture them? What technology and tools are available to simplify lead generation and qualification? Learn More at CertifiedCredit.com.

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00:04:52

How Can Lenders Help Prevent Wire Transfer Fraud?...

Talk Data To Me | Certified Credit ·

2022/05/03

For experienced mortgage lenders, the scenario is all too common. But, just before their closing date, the borrower receives an email providing new instructions on how and where to wire the funds for their new home. They dutifully wire the funds, only to discover that the title company never received the wire transfer. What happened, and where did the money go? Wire transfer fraud begins long before a client’s closing date. Fraudsters, hoping to bank a borrower’s down payment, begin their

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00:12:12

Prequalification As a Lender’s Marketing Tool...

Talk Data To Me | Certified Credit ·

2022/05/03

With available housing inventory at historically low levels and mortgage rate increases looming on the horizon, competition for housing is fierce in many markets across the United States. Wanting to buy their dream home before they get priced out of the market, many individuals and families are choosing now to shop for a new home. This seller’s market creates a unique opportunity for lenders to attract borrowers by offering a prequalification that will give their offer an edge over the

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32 results

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