E-Mods LDFs Are Like Credit Scores
Are E-Mods LDFs like credit scores from hell? Over the past few months, I have presented this material at various conferences. I thought I would attach the PowerPoint that I used at the NCPrima Conference last week.
E-Mods and LDFs_NCPRIMA_presentation 2015
I have received a few requests for the PowerPoint slides. Ironically, the projector would not work when I presented the slides. Luckily, I had large-sized printed them on paper as a backup.
The interesting fact is all of the slides are taken from articles that were written in this blog over the last eight years. I had combined them for presentations. Actually, this blog was originally conceived as a way to have material on hand for presentations and to possibly write a book.
Credit scores have been used as an easy comparison to E-Mods and LDFs by me for a few years. The differences between credit scores vs. E-Mods LDFs are just as important.
The presentation slides may not seem to make sense. The links in the preceding paragraph will explain much of the information on the slides.
The main theme of the PowerPoint slides is that credit scores can be much more easily changed than E-Mods. The results of a credit file correction can show results in 30 days. E-Mods have many limitations on how they can be changed once the Total Incurred is reported to the Rating Bureaus.
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