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	Comments on: Is Smart Exchange Really a Smart Idea?	</title>
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	<description>Appraisal News and Tips for Real Estate Appraisers</description>
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		<title>
		By: Austin		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-31889</link>

		<dc:creator><![CDATA[Austin]]></dc:creator>
		<pubDate>Fri, 28 May 2021 14:52:39 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=19331#comment-31889</guid>

					<description><![CDATA[I&#039;d be interested to see updated survey results for all these polls. 2 and a half years have gone by and lots has changed since then. I just came across this article when I was looking into Smart Exchange more. In my opinion, it&#039;s a great feature to have for double-checking your work. I would never rely on it for importing comp data directly, and I don&#039;t personally pay into it, but you can still see all the peer comp data without paying and it&#039;s very helpful. Seeing other appraiser&#039;s opinions on the comps and how they compare to your own comes in handy and is sometimes a reality check you might need. In my market, every comp seems to have at least 5-20 peer shared comps so the data is plentiful.]]></description>
			<content:encoded><![CDATA[<p>I&#8217;d be interested to see updated survey results for all these polls. 2 and a half years have gone by and lots has changed since then. I just came across this article when I was looking into Smart Exchange more. In my opinion, it&#8217;s a great feature to have for double-checking your work. I would never rely on it for importing comp data directly, and I don&#8217;t personally pay into it, but you can still see all the peer comp data without paying and it&#8217;s very helpful. Seeing other appraiser&#8217;s opinions on the comps and how they compare to your own comes in handy and is sometimes a reality check you might need. In my market, every comp seems to have at least 5-20 peer shared comps so the data is plentiful.</p>
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		<title>
		By: Mike Ford, AGA		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-23045</link>

		<dc:creator><![CDATA[Mike Ford, AGA]]></dc:creator>
		<pubDate>Fri, 12 Oct 2018 00:27:26 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=19331#comment-23045</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22947&quot;&gt;Baggins&lt;/a&gt;.

Why would they not? They create the forms their masters at CorelaMode dictate. Better yet, they can create platforms that only appraisers that do these things will ever see.

Most hybrids favor cloud computing using online software. What better way to keep the public from knowing how bad they are? Just hide them all.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22947">Baggins</a>.</p>
<p>Why would they not? They create the forms their masters at CorelaMode dictate. Better yet, they can create platforms that only appraisers that do these things will ever see.</p>
<p>Most hybrids favor cloud computing using online software. What better way to keep the public from knowing how bad they are? Just hide them all.</p>
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		By: Anthony Machado		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22959</link>

		<dc:creator><![CDATA[Anthony Machado]]></dc:creator>
		<pubDate>Mon, 08 Oct 2018 16:11:41 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=19331#comment-22959</guid>

					<description><![CDATA[AVM]]></description>
			<content:encoded><![CDATA[<p>AVM</p>
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		By: Anthony Machado		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22958</link>

		<dc:creator><![CDATA[Anthony Machado]]></dc:creator>
		<pubDate>Mon, 08 Oct 2018 16:11:15 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=19331#comment-22958</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22935&quot;&gt;Scott&lt;/a&gt;.

The bigger picture is that the data will allow them to sell other services including &quot;AVM&quot; type products that eliminate the appraiser all together. Data is the 4th industrial revolution. If you&#039;re an Appraiser and are planning on staying in the business you should protect your data at all costs.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22935">Scott</a>.</p>
<p>The bigger picture is that the data will allow them to sell other services including &#8220;AVM&#8221; type products that eliminate the appraiser all together. Data is the 4th industrial revolution. If you&#8217;re an Appraiser and are planning on staying in the business you should protect your data at all costs.</p>
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		<title>
		By: Baggins		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22953</link>

		<dc:creator><![CDATA[Baggins]]></dc:creator>
		<pubDate>Sun, 07 Oct 2018 21:41:54 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=19331#comment-22953</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22920&quot;&gt;Milton P&lt;/a&gt;.

Background process drain is a big deal, you should know where your resources are going. Usually you&#039;ll find simple solutions with relatively simple investigative effort and quick google tech solution research. First step is identifying what&#039;s causing the drain.

As long as they&#039;re not cryptojacking alamode users processing power to also mine bitcoin...

Welcome to the world of big tech!

Control+alt+delete / View option; select columns (make sure; user name, cpu usage, memory private working set, command line, and description, are all checked at a minimum) / then

Processes tab / show processes from all users (on bottom) / click the top bar and toggle between cpu and memory, see what&#039;s draining and where. Troubleshoot as necessary. Click networking tab in period of excess slowdown to see if you&#039;re dealing with network resource redirect issues or network limited availability due to shared, etc.

&lt;a href=&quot;https://www.malwarebytes.com/cryptojacking/&quot; rel=&quot;nofollow&quot;&gt;Cryptojacking - What is it, and how can you prevent it?&lt;/a&gt;

Cryptojacking, things you should know about in 2018. If you don&#039;t have malwarebytes paid subscription, get one right away.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22920">Milton P</a>.</p>
<p>Background process drain is a big deal, you should know where your resources are going. Usually you&#8217;ll find simple solutions with relatively simple investigative effort and quick google tech solution research. First step is identifying what&#8217;s causing the drain.</p>
<p>As long as they&#8217;re not cryptojacking alamode users processing power to also mine bitcoin&#8230;</p>
<p>Welcome to the world of big tech!</p>
<p>Control+alt+delete / View option; select columns (make sure; user name, cpu usage, memory private working set, command line, and description, are all checked at a minimum) / then</p>
<p>Processes tab / show processes from all users (on bottom) / click the top bar and toggle between cpu and memory, see what&#8217;s draining and where. Troubleshoot as necessary. Click networking tab in period of excess slowdown to see if you&#8217;re dealing with network resource redirect issues or network limited availability due to shared, etc.</p>
<p><a target="_blank" href="https://www.malwarebytes.com/cryptojacking/" rel="nofollow">Cryptojacking &#8211; What is it, and how can you prevent it?</a></p>
<p>Cryptojacking, things you should know about in 2018. If you don&#8217;t have malwarebytes paid subscription, get one right away.</p>
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		By: Baggins		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22952</link>

		<dc:creator><![CDATA[Baggins]]></dc:creator>
		<pubDate>Sun, 07 Oct 2018 21:30:58 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=19331#comment-22952</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22920&quot;&gt;Milton P&lt;/a&gt;.

If it&#039;s anything like Corelogic MLS systems, you can expect to be beta testing a product which never really reaches a finished state. Tech guys will tinker with it to infinity like unsupervised workers whom have to show they&#039;ve done something monthly in order to retain their jobs. They will create problems. Then they will fix problems. Welcome to big tech!

Glad I&#039;m still on Aurora. It&#039;s never too late to turn back to a more simple platform.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22920">Milton P</a>.</p>
<p>If it&#8217;s anything like Corelogic MLS systems, you can expect to be beta testing a product which never really reaches a finished state. Tech guys will tinker with it to infinity like unsupervised workers whom have to show they&#8217;ve done something monthly in order to retain their jobs. They will create problems. Then they will fix problems. Welcome to big tech!</p>
<p>Glad I&#8217;m still on Aurora. It&#8217;s never too late to turn back to a more simple platform.</p>
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		<title>
		By: Baggins		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22950</link>

		<dc:creator><![CDATA[Baggins]]></dc:creator>
		<pubDate>Sun, 07 Oct 2018 21:14:27 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=19331#comment-22950</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22910&quot;&gt;Wade Gibson&lt;/a&gt;.

Um........ Yeah, that happened in 08/2017, an unknown amount of personally identifiable information stolen from corelogic credco systems.

That would be pdf page 134; &lt;em&gt;Credco learned that between July 21, 2017 and August 7, 2017 an individual obtained access to Credco’s system to obtain your consumer information without proper authorization. Such information includes your name and address and one or more of the following: Social Security Number, date of birth and account numbers.&lt;/em&gt;

Per Corelogic Credco services:&lt;em&gt; For over 50 years, CoreLogic has been offering credit reporting solutions to the mortgage industry. Today, we are the largest provider of merged credit reports in the United States - supplying information to 19 of the top 20 mortgage lenders.&lt;/em&gt;

&lt;a href=&quot;https://www.idtheftcenter.org/images/breach/2017Breaches/DataBreachReport_2017.pdf&quot; rel=&quot;nofollow&quot;&gt;Identity Theft Resource Senter - Data Breach Reports 2017&lt;/a&gt;

You don&#039;t want to really know how insecure the online community really is. &quot;It&#039;s only a matter of time before they get hacked....&quot; Sorry to tell you, pick your favorite companies name, they have already been hacked, and the hack is ongoing daily to infinity. Welcome to the global stage... Still loving paperless and managing all that sensitive information from a mobile phone? Like ducks, the American consumers who were easy to sell tech, but know nothing about the tech they are using, stepped right into the bullseye.

The more you know...

&lt;a href=&quot;https://en.wikipedia.org/wiki/List_of_data_breaches&quot; rel=&quot;nofollow&quot;&gt;List of data breaches&lt;/a&gt;

Sharing data? That&#039;s not as bright of an idea as people think it is.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22910">Wade Gibson</a>.</p>
<p>Um&#8230;&#8230;.. Yeah, that happened in 08/2017, an unknown amount of personally identifiable information stolen from corelogic credco systems.</p>
<p>That would be pdf page 134; <em>Credco learned that between July 21, 2017 and August 7, 2017 an individual obtained access to Credco’s system to obtain your consumer information without proper authorization. Such information includes your name and address and one or more of the following: Social Security Number, date of birth and account numbers.</em></p>
<p>Per Corelogic Credco services:<em> For over 50 years, CoreLogic has been offering credit reporting solutions to the mortgage industry. Today, we are the largest provider of merged credit reports in the United States &#8211; supplying information to 19 of the top 20 mortgage lenders.</em></p>
<p><a target="_blank" href="https://www.idtheftcenter.org/images/breach/2017Breaches/DataBreachReport_2017.pdf" rel="nofollow">Identity Theft Resource Senter &#8211; Data Breach Reports 2017</a></p>
<p>You don&#8217;t want to really know how insecure the online community really is. &#8220;It&#8217;s only a matter of time before they get hacked&#8230;.&#8221; Sorry to tell you, pick your favorite companies name, they have already been hacked, and the hack is ongoing daily to infinity. Welcome to the global stage&#8230; Still loving paperless and managing all that sensitive information from a mobile phone? Like ducks, the American consumers who were easy to sell tech, but know nothing about the tech they are using, stepped right into the bullseye.</p>
<p>The more you know&#8230;</p>
<p><a target="_blank" href="https://en.wikipedia.org/wiki/List_of_data_breaches" rel="nofollow">List of data breaches</a></p>
<p>Sharing data? That&#8217;s not as bright of an idea as people think it is.</p>
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		<title>
		By: Baggins		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22949</link>

		<dc:creator><![CDATA[Baggins]]></dc:creator>
		<pubDate>Sun, 07 Oct 2018 20:21:43 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=19331#comment-22949</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22904&quot;&gt;Wade Gibson&lt;/a&gt;.

Favorite third party solicitation line to appraisers; Stop wasting your time with data entry, typing, and comparable selection, and get back to doing what you love to do, appraising!

Or some other similar nonsense from the peanut gallery of appraisal related third party service providers...

Participate in plagiarization today by calling 1-800-appraisal typing and data sharing services. You&#039;ll save a lot of time and earn more money!]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22904">Wade Gibson</a>.</p>
<p>Favorite third party solicitation line to appraisers; Stop wasting your time with data entry, typing, and comparable selection, and get back to doing what you love to do, appraising!</p>
<p>Or some other similar nonsense from the peanut gallery of appraisal related third party service providers&#8230;</p>
<p>Participate in plagiarization today by calling 1-800-appraisal typing and data sharing services. You&#8217;ll save a lot of time and earn more money!</p>
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		By: Baggins		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22948</link>

		<dc:creator><![CDATA[Baggins]]></dc:creator>
		<pubDate>Sun, 07 Oct 2018 20:11:35 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=19331#comment-22948</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22902&quot;&gt;Bill Johnson&lt;/a&gt;.

Systemic data inconsistency with inadequate data resolution, revision, and fail-safe mechanisms. Brought to you by FNMA and Alamode!]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22902">Bill Johnson</a>.</p>
<p>Systemic data inconsistency with inadequate data resolution, revision, and fail-safe mechanisms. Brought to you by FNMA and Alamode!</p>
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		By: Baggins		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22947</link>

		<dc:creator><![CDATA[Baggins]]></dc:creator>
		<pubDate>Sun, 07 Oct 2018 20:07:09 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=19331#comment-22947</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22912&quot;&gt;mike wilsdon&lt;/a&gt;.

Taking wagers now; Will Alamode allow hybrid reports to also utilize the sharing program, allowing cross over data both ways? I&#039;d bet appraisers did not think they&#039;d be sharing with hybrid producers...]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22912">mike wilsdon</a>.</p>
<p>Taking wagers now; Will Alamode allow hybrid reports to also utilize the sharing program, allowing cross over data both ways? I&#8217;d bet appraisers did not think they&#8217;d be sharing with hybrid producers&#8230;</p>
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		By: Mike Ford		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22943</link>

		<dc:creator><![CDATA[Mike Ford]]></dc:creator>
		<pubDate>Sat, 06 Oct 2018 04:59:28 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=19331#comment-22943</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22916&quot;&gt;Gadda Gow&lt;/a&gt;.

Gadda I&#039;m pretty sure CEOs pseudonym post was sarcasm. It show cases what we are up against. A megalopoly that generates annual revenue/sales of 1.5 BILLION dollars. (I sometimes jump out a bit too fast too. Give it a re-read and I think you&#039;ll see the gallows humor in it - enjoy!)

I can&#039;t earn either of those numbers even if I work overtime on weekends.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22916">Gadda Gow</a>.</p>
<p>Gadda I&#8217;m pretty sure CEOs pseudonym post was sarcasm. It show cases what we are up against. A megalopoly that generates annual revenue/sales of 1.5 BILLION dollars. (I sometimes jump out a bit too fast too. Give it a re-read and I think you&#8217;ll see the gallows humor in it &#8211; enjoy!)</p>
<p>I can&#8217;t earn either of those numbers even if I work overtime on weekends.</p>
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		<title>
		By: Mike Ford		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22942</link>

		<dc:creator><![CDATA[Mike Ford]]></dc:creator>
		<pubDate>Sat, 06 Oct 2018 04:48:13 +0000</pubDate>
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					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22881&quot;&gt;Active Appraiser&lt;/a&gt;.

Even if you opt out, they acknowledge they will still have access to your own database to the extent that they can tell (&#038; warn you) that you have used a specific comp before). Listen to linked webcast above and then click follow up webcast (2 or 3 minutes).]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22881">Active Appraiser</a>.</p>
<p>Even if you opt out, they acknowledge they will still have access to your own database to the extent that they can tell (&amp; warn you) that you have used a specific comp before). Listen to linked webcast above and then click follow up webcast (2 or 3 minutes).</p>
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		By: Mike Ford		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22941</link>

		<dc:creator><![CDATA[Mike Ford]]></dc:creator>
		<pubDate>Sat, 06 Oct 2018 04:44:58 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=19331#comment-22941</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22878&quot;&gt;Eric West&lt;/a&gt;.

In order of the webcast presentation above:

1. USPAP Compliance Is still unclear. IF the grid also shows adjustments relative to a specific subject property then I&#039;d contend the data IS assignment specific. If it is absent all adjustments, then he&#039;s probably right. As long as sale comments are not also pulled and provided that may reveal private non public information about an original &lt;em&gt;subject&lt;/em&gt; property. Let&#039;s consider that it MAY be USPAP compliant or that it could be made to be....after all the data is now part of a giant database, whether we wanted that or not.

2. &lt;em&gt;Seems to be a sophist evasion of the real concern&lt;/em&gt;. He talks about affiliates (you and I) having limited access and use. He &lt;em&gt;does NOT deny&lt;/em&gt; that OUR inputted data will possibly be used for other undisclosed purposes by ALM, &lt;em&gt;such as data mining to build AVMS to put us out of business&lt;/em&gt;. We ARE giving them a worldwide right of unlimited use.

Remember, another service provider that once claimed appraiser data was secure and protected? (FNC and class action suit where the Courts flat out stated FNC STOLE data to compete with appraisers. Please note that Joel specifically states that some of the data in SmartExchange &lt;strong&gt;&lt;em&gt;is FROM FNC Databases&lt;/em&gt;&lt;/strong&gt;!* in follow on &#039;lessons&#039; using link above).

Sooooo, we are all supposed to sign on to a service that acknowledges that FNC data (STOLEN per Appellate Court) is &lt;em&gt;STILL&lt;/em&gt; being used in THIS program? &lt;strong&gt;I know. Just TRUST CoreLogic not to use our data here in some other AVM application designed to steal business from appraisers&lt;/strong&gt;.

3. Knowing that other appraisers got a comps data wrong COULD help me IF I want to play the game of explaining WHY my data is correct vs some unknown &quot;peer&quot; appraisers data that wasn&#039;t going to be reflected in my own report absent the noted exception!

THAT puts me in the direct position of having to criticize (or as some would call it &quot;review&quot;) a portion of the work product of another appraiser. Granted I don&#039;t know who they are...but FNMA does!

So FNMA &#039;reads&#039; my data as being substantively different than a so called &#039;peer&#039;. They (for arguments sake) accept mine as being correct because I thoroughly explained it in such a way as to confirm no other option is possible. NOW they write the original appraiser and advise HIM that a &quot;review&#039; of his comparable analysis of a property he or she used as a comparable was seriously flawed.

BE AWARE that FNMA makes ALL the database information available to a state when they conduct an investigation. From the SSR to the error or exception messages in CU to ALL versions and revisions of a report. It&#039;s not too big a stretch to think they could also receive copies of your non uspap compliant &#039;review&#039; contained in your original report as justification for YOUR conclusions.

&lt;em&gt;I&#039;m paranoid&lt;/em&gt; you think? Perhaps. It&#039;s the kind of paranoia associated with having a $145,000+ legal bill to prove innocence in spurious false state regulator allegations - also arising from an assignment that was not intended primarily as a technical review.

Personally, I do not trust the program. BTW - whether you opt in to the program or not, Joel says the address function WILL search your own desktop software database to see if you&#039;ve used a comp before. Yet ANOTHER intrusion! IF they can do that already, then it also stands to reason that they can search the same databases WITHOUT telling us or showing us in a report, for their own &#039;other&#039; undisclosed purposes!]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22878">Eric West</a>.</p>
<p>In order of the webcast presentation above:</p>
<p>1. USPAP Compliance Is still unclear. IF the grid also shows adjustments relative to a specific subject property then I&#8217;d contend the data IS assignment specific. If it is absent all adjustments, then he&#8217;s probably right. As long as sale comments are not also pulled and provided that may reveal private non public information about an original <em>subject</em> property. Let&#8217;s consider that it MAY be USPAP compliant or that it could be made to be&#8230;.after all the data is now part of a giant database, whether we wanted that or not.</p>
<p>2. <em>Seems to be a sophist evasion of the real concern</em>. He talks about affiliates (you and I) having limited access and use. He <em>does NOT deny</em> that OUR inputted data will possibly be used for other undisclosed purposes by ALM, <em>such as data mining to build AVMS to put us out of business</em>. We ARE giving them a worldwide right of unlimited use.</p>
<p>Remember, another service provider that once claimed appraiser data was secure and protected? (FNC and class action suit where the Courts flat out stated FNC STOLE data to compete with appraisers. Please note that Joel specifically states that some of the data in SmartExchange <strong><em>is FROM FNC Databases</em></strong>!* in follow on &#8216;lessons&#8217; using link above).</p>
<p>Sooooo, we are all supposed to sign on to a service that acknowledges that FNC data (STOLEN per Appellate Court) is <em>STILL</em> being used in THIS program? <strong>I know. Just TRUST CoreLogic not to use our data here in some other AVM application designed to steal business from appraisers</strong>.</p>
<p>3. Knowing that other appraisers got a comps data wrong COULD help me IF I want to play the game of explaining WHY my data is correct vs some unknown &#8220;peer&#8221; appraisers data that wasn&#8217;t going to be reflected in my own report absent the noted exception!</p>
<p>THAT puts me in the direct position of having to criticize (or as some would call it &#8220;review&#8221;) a portion of the work product of another appraiser. Granted I don&#8217;t know who they are&#8230;but FNMA does!</p>
<p>So FNMA &#8216;reads&#8217; my data as being substantively different than a so called &#8216;peer&#8217;. They (for arguments sake) accept mine as being correct because I thoroughly explained it in such a way as to confirm no other option is possible. NOW they write the original appraiser and advise HIM that a &#8220;review&#8217; of his comparable analysis of a property he or she used as a comparable was seriously flawed.</p>
<p>BE AWARE that FNMA makes ALL the database information available to a state when they conduct an investigation. From the SSR to the error or exception messages in CU to ALL versions and revisions of a report. It&#8217;s not too big a stretch to think they could also receive copies of your non uspap compliant &#8216;review&#8217; contained in your original report as justification for YOUR conclusions.</p>
<p><em>I&#8217;m paranoid</em> you think? Perhaps. It&#8217;s the kind of paranoia associated with having a $145,000+ legal bill to prove innocence in spurious false state regulator allegations &#8211; also arising from an assignment that was not intended primarily as a technical review.</p>
<p>Personally, I do not trust the program. BTW &#8211; whether you opt in to the program or not, Joel says the address function WILL search your own desktop software database to see if you&#8217;ve used a comp before. Yet ANOTHER intrusion! IF they can do that already, then it also stands to reason that they can search the same databases WITHOUT telling us or showing us in a report, for their own &#8216;other&#8217; undisclosed purposes!</p>
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		By: Mike Ford		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22940</link>

		<dc:creator><![CDATA[Mike Ford]]></dc:creator>
		<pubDate>Sat, 06 Oct 2018 04:05:55 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=19331#comment-22940</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22874&quot;&gt;Baggins&lt;/a&gt;.

CAUTION folks, I clicked some of the links at the referenced EDR sites and largely have to concur with at least two areas: Commercial Appraisal Reviewing Criteria; and Appraising Contaminated Properties (AI Guide Note 6). 

I&#039;m not a fan of Clear Capital by any means, but I urge caution in critiquing some of their better postings with a one size fits all conclusion. Also a very good idea to read a few of the linked articles on their site to see where appraisal may be headed and who is leading the charge.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22874">Baggins</a>.</p>
<p>CAUTION folks, I clicked some of the links at the referenced EDR sites and largely have to concur with at least two areas: Commercial Appraisal Reviewing Criteria; and Appraising Contaminated Properties (AI Guide Note 6). </p>
<p>I&#8217;m not a fan of Clear Capital by any means, but I urge caution in critiquing some of their better postings with a one size fits all conclusion. Also a very good idea to read a few of the linked articles on their site to see where appraisal may be headed and who is leading the charge.</p>
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		By: Kathy Hubbard Bright on Facebook		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22939</link>

		<dc:creator><![CDATA[Kathy Hubbard Bright on Facebook]]></dc:creator>
		<pubDate>Fri, 05 Oct 2018 23:04:49 +0000</pubDate>
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					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22908&quot;&gt;Core Logic CEO&lt;/a&gt;.

&quot;Every one that is proud in heart is an abomination to God; Though hand join in hand, he shall not be unpunished.&quot;
Proverbs 16:5 ASV]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22908">Core Logic CEO</a>.</p>
<p>&#8220;Every one that is proud in heart is an abomination to God; Though hand join in hand, he shall not be unpunished.&#8221;<br />
Proverbs 16:5 ASV</p>
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		By: Scott		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22935</link>

		<dc:creator><![CDATA[Scott]]></dc:creator>
		<pubDate>Fri, 05 Oct 2018 19:02:40 +0000</pubDate>
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					<description><![CDATA[So they want to take our data (the appraisers) and sell it back to us (the appraisers)?

Can they kick me in my hind quarters too.]]></description>
			<content:encoded><![CDATA[<p>So they want to take our data (the appraisers) and sell it back to us (the appraisers)?</p>
<p>Can they kick me in my hind quarters too.</p>
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		By: Kathy Hubbard Bright on Facebook		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22925</link>

		<dc:creator><![CDATA[Kathy Hubbard Bright on Facebook]]></dc:creator>
		<pubDate>Fri, 05 Oct 2018 15:48:32 +0000</pubDate>
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					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22920&quot;&gt;Milton P&lt;/a&gt;.

Three guesses]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22920">Milton P</a>.</p>
<p>Three guesses</p>
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		By: Milton P		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22920</link>

		<dc:creator><![CDATA[Milton P]]></dc:creator>
		<pubDate>Fri, 05 Oct 2018 07:04:06 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=19331#comment-22920</guid>

					<description><![CDATA[Did anyone else notice the massive slowdown in the program with the update that installed SmartExchange? I noticed a slow down right after CoreLogic bought alamode and now it is worse. And the error messages when saving a report?

I just know there is something going on in the background they&#039;re not telling us.]]></description>
			<content:encoded><![CDATA[<p>Did anyone else notice the massive slowdown in the program with the update that installed SmartExchange? I noticed a slow down right after CoreLogic bought alamode and now it is worse. And the error messages when saving a report?</p>
<p>I just know there is something going on in the background they&#8217;re not telling us.</p>
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		<title>
		By: Gadda Gow		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22916</link>

		<dc:creator><![CDATA[Gadda Gow]]></dc:creator>
		<pubDate>Fri, 05 Oct 2018 03:32:05 +0000</pubDate>
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					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22908&quot;&gt;Core Logic CEO&lt;/a&gt;.

Your I.Q. appears to be under 100 to make a comment like that. Too afraid to state your name?? I am sure you are not actually the CEO but, my dislike for bottom feeders like Core-illogic is so strong that just imagining you are the actual CEO is reason enough to comment. Feels good.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22908">Core Logic CEO</a>.</p>
<p>Your I.Q. appears to be under 100 to make a comment like that. Too afraid to state your name?? I am sure you are not actually the CEO but, my dislike for bottom feeders like Core-illogic is so strong that just imagining you are the actual CEO is reason enough to comment. Feels good.</p>
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		By: mike wilsdon		</title>
		<link>https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22913</link>

		<dc:creator><![CDATA[mike wilsdon]]></dc:creator>
		<pubDate>Thu, 04 Oct 2018 23:17:04 +0000</pubDate>
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					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22902&quot;&gt;Bill Johnson&lt;/a&gt;.

Stop using logic!]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/smart-exchange-pros-cons-4-appraisers/#comment-22902">Bill Johnson</a>.</p>
<p>Stop using logic!</p>
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