or savings. (B) By racking up substantial debts in the survivor’s name, abusers are able to exercise financial control over their survivors to make it economically difficult for the survivor, whose credit is often destroyed, to escape the situation. (C) Domestic abuse survivors with poor credit are likely to face significant obstacles in establishing financial independence from their abusers. This can be due, in part, because consumer reports may be used when a person attempts to obtain a checking account, housing, insurance, utilities, employment, and even a security clearance as required for certain jobs. (D) Providing documentation of identity ( ID ) theft in order to dispute information on one’s consumer report can be particularly challenging for those who know their financial abuser. (E) While it is easier for consumers who obtain a police report to remove fraudulent information from their consumer report and prevent it from reappearing in the future, according to the Empire Justice Center, safety and other noncredit concerns may impact the capacity of a survivor of financial abuse committed by a known person to turn to law enforcement to get a police report. (F) According to the Legal Aid Society in New York, domestic abuse survivors, seeking to remove adverse information stemming from financial abuse by contacting their furnishers directly, are likely to face skepticism about claims of ID theft perpetrated by a partner because of an assumption that they are aware of, and may have been complicit in, the activity which the survivor alleges stems from financial abuse. (9) Government Sponsored Enterprises’ ( GSE ) impact on the use of updated versions or additional credit scoring models by mortgage lenders (A) Despite innovation in understanding consumer behavior and credit scoring analytics, many creditors, particularly mortgage lenders, continue to use older versions of credit scoring models and algorithms. (B) Lenders that originate residential mortgage loans generally adhere to the underwriting guidelines