With the FHFA considering the possibility of changing the credit score requirements the GSEs requires, what are the advantages of credit scoring competition and what impact could these potential changes have on future default rates?Read More »
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Phillip W. Bracken is Managing Director of Government and Industry Relations at VantageScore Solutions, LLC, working with mortgage industry stakeholders to build a consensus on stronger credit scoring standards and solutions for lenders and consumers. A senior financial services executive, Bracken holds more than 40 years of experience in leading large financial institutions and managing complex government and industry relations programs. Joining VantageScore in February 2018, Bracken was most recently Chief Policy Officer & Head of Government & Industry Relations at Radian Guaranty, where he developed policy and managed relations between government regulators, consumer groups, and trade associations. Bracken earned a Bachelor of Science in Marketing and Management at Eastern Illinois University.