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Credit Scores and Credit Reporting: 2023 Year in Review & What’s to Come in 2024
Join us as we welcome back Mike Olden, American Reporting Company's (ARC) vice president of sales & education, to answer the most frequently asked questions about credit scores and credit reporting.
Our moderator, Dean Dardzinski, MGIC's vice president managing director, will sit down with Mike for a "fireside chat" to discuss:
- Trigger leads – What is happening in Congress and what can consumers do today?
- Credit score modernization – Where are the GSEs in their plans to move to FICO 10T and Vantage 4.0?
- Bi-merge credit reports – What are the benefits and challenges to this proposed transition?
- Student loans – Would "forgiven" loans hurt a student borrower's credit?
- Credit card debt – How does increasing consumer debt impact credit scores?
- How can lenders prepare borrowers to achieve the optimal credit score prior to application?
- How does credit impact other aspects of a loan transaction? (i.e., MI, interest rates, location options on purchases, etc.)
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Mike Olden
VP – Sales & Education
American Reporting Company (ARC)
Meet Mike Olden
At American Reporting Company, Mike’s primary responsibility is managing and developing new business with banks, credit unions, and mortgage bankers. Mike has worked in the mortgage banking industry since 1984 and at American Reporting Company since 1997. Mike also helps develop and deliver educational programs related to credit reporting and credit scoring for ARC clients, non-profit housing partners, and first-time homebuyers. He is certified to teach continuing education to Realtors in Washington, Oregon, and Hawaii; and has been a featured presenter to national audiences. Mike is a former board member of the Puget Sound Mortgage Lenders Association and the Community Homeownership Center. He served on the Mortgage Bankers Association State & Local Advisory Council from 2005 to 2007 and was president of the Seattle Mortgage Bankers Association for the 2004/2005 term.
Dean Dardzinski
VP Managing Director – Western Region
MGIC
Meet Dean Dardzinski
Dean serves as MGIC’s managing director for the western region. He is responsible for leading all business development efforts west of the Rockies, including Texas and Oklahoma. Originally from Syracuse, NY, Dean graduated from the University of Maryland. He started working in the mortgage industry as an originator in Prince George’s County, MD. In 1993, he joined MGIC as an account representative, covering a territory within the Baltimore/Washington, D.C., metro area. Since then, he has held numerous sales leadership positions with increasing responsibilities. Dean currently lives in Seattle, WA, with his wife Jennifer, sons Jake and Derek, and dogs Blazer and Floyd.
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