Rethinking Credit Data Early

MISMO Mic'd Up: Beyond the Standards · Oct 29, 2026 · 26m

Rising credit costs are prompting lenders to rethink a familiar habit: pulling a full credit report at the first interaction with a prospective borrower. What information does a lender actually need at that moment—and when does it make sense to invest in more?

In this episode of MISMO Mic’d Up, host Brian Vieaux, President of MISMO, welcomes Reno D’Water, Chief Innovation Officer at Factual Data, for a practical conversation about credit data, borrower engagement, and managing expenses throughout the origination process.

Brian and Reno explore how lenders can rethink the sequence of…