You have likely heard the buzz around TransUnion’s PP11 segment data, offering an extended 82-month view of payment history. Freddie Mac is prepared to accept this information, and SharperLending is ready to support you!

Per Freddie Mac’s timeline, they would like all reissues to LPA to contain this data by end of year. 

Additionally, SharperLending has tested sending TU PP11 data on reissues to Fannie Mae, who has indicated they can successfully receive this data, too. Note: DU just may not take this data into account during underwriting. 

What You Can Do Today

Work with your TU Reps to enable your TU codes to include this PP11 segment data. Specifically, any product that you offer that can potentially be reissued in LPA should be configured via your TU access code to request it. 

Our understanding is that this is a bureau-level setting on your code, and once it is enabled, this setting is always-on for TransUnion.