Future-proofing your rental portfolio

See how evolving credit scores, alternative data, and verification tools could help lenders improve the mortgage process and expand access to homeownership.

In this HousingWire conversation, Allison LaForgia speaks with Michele Bodda, Group President of Experian Housing, Verification Solutions and Employer Services. Bodda discusses how lenders can put modern credit scoring and consumer data to work in underwriting today.

Watch the video to hear about:

• Using alternative credit data to better represent consumers with limited traditional credit histories

• Bringing the right information into the underwriting process at the right time

• How Power Profile Plus lets lenders request another score later in the process without repurchasing the underlying credit data

• Experian’s investment in income and employment verification, including its partnership with Workday

• Opportunities to improve efficiency and help more people pursue homeownership

In this episode of the Chrisman Commentary, we explore why income and employment verification are reaching a turning point for mortgage lenders and borrowers alike. Ryan Rosales discusses how new data sources, including Experian Verify’s integration with Workday, are helping move the industry beyond the traditional choice between a few verification providers and cumbersome manual documentation. Tune in to hear how greater competition, expanded data coverage, real-time verification, and a more open ecosystem could reduce borrower friction, lower lender costs, and potentially reshape the future of mortgage origination. 

This report examines the gap between the protection consumers expect from retail banks and the trust they place in them.

• Shares 2026 findings on fraud, identity, biometrics and AI.
• Explores how mobile banking, security friction and invisible protections shape customer experience.
• Outlines ways banks can make protection more visible, explainable and controllable.

Explore the latest fraud, identity and consumer trust trends shaping e-commerce risk strategies.

• See how agentic commerce is reshaping shopping and fraud prevention.
• Uncover gaps between consumer security preferences and merchant strategies.
• Learn how merchants can build trust while reducing friction.