Beyond FICO: Predicting The Ability To Pay A Mortgage

FormFree’s Chief Customer Officer Christy Moss recently sat down with The Mortgage Note to talk about the Residual Income Knowledge Index (RIKI), an alternative to traditional credit scoring that uses bank and credit card statements procured directly from financial institutions to give lenders an understanding of a borrower’s discretionary funds after mandatory monthly expenses. Read the full article — and listen to the interview — at The Mortgage Note.

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