My cat Myrtle never had much use for a credit report. Nor credit scores, which came along in 1958, nor a FICO score (1989). Millions of borrowers were analyzed without them. Rumors swirl of the FHFA, overseer of Freddie and Fannie, “operationalizing” VantageScore any day now. VantageScore, created in 2006, is a joint venture by the three major credit bureaus (Equifax, Experian, and TransUnion). Will it change your lending process? Possibly. Do government regulations change yo
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In the Same Place When Reverse Mortgage Came Out- Now Next Later 082520025 (Powered By CloudVirga)
“You’ll never guess what this 1980’s actress looks like now !” Okay, that’s an example of a sensationalist click bait headline. Farce aside, nearly everyone changes in 40 years, anyway, as does the population. U.S. population growth slowed sharply between July 2024 and July 2025, rising just 1.8 million people (0.5 percent) to 341.8 million, the weakest growth since the early pandemic. This was driven primarily by a steep 54 percent drop in net international migration from 2
“What is it called when an alligator has brain damage? A reptile disfunction.” On a more serious note, “ Cognitive Surrender ” is a new and useful term for how AI melts brains , although it can be a useful tool. Meanwhile, Microsoft tells us, “Copilot is for entertainment purposes only . It can make mistakes, and it may not work as intended. Don’t rely on Copilot for important advice. Use Copilot at your own risk.” Does it mean anything that software job postings are up 30 pe
