TriMerge vs. Single Credit Reports: What’s at Stake?
The mortgage industry is debating whether to move away from the long-standing TriMerge credit reporting standard. Wendy Hannah-Olson of Equifax speaks with mathematician and behavioral modeling researcher Joni Baker at Andrew Davidson & Company about new research analyzing credit score differences across the three credit bureaus. Their discussion reveals how shifting to single or bi-merge credit reports could affect loan qualification, mortgage pricing, and risk—potentially costing consumers thousands of dollars and reshaping how lenders evaluate credit.
In this episode:
Why are lenders…
The skinny
The skinny isn't ready yet — notes appear once the transcript is processed.