by Eric J. Ellman | Jul 13, 2026
MBA findings add pressure on tri-merge status quo By Bonnie Sinnock, July 10, 2026, 3:53 p.m. EDT A switch from the industry’s standard tri-merge to a single-credit file could be done in such a way that loan-level price adjustment variations would be within...
by Eric J. Ellman | Jun 14, 2026
In May 2026, Joel Rickman, the General Manager & SVP, of Equifax’s U.S. Mortgage and Verification Services, posted a blog, The Tri-Merge Standard: Decades of Consistency and Risk Mitigation.
by Eric J. Ellman | May 30, 2026
In April 2026, several members of the U.S. House of Representatives sent a letter to FHFA Director Bill Pulte, urging his agency to keep the tri-merge credit report for mortgage decisions. Those members are U.S. Reps. Scott Fitzgerald (R-WI), Mike Flood (R-NE), Dan...
by Eric J. Ellman | May 11, 2026
In early 2026, Equifax issued an infographic on the benefits of a tri-merge credit report for mortgage decisions.
by Eric J. Ellman | Apr 23, 2026
In April 2026, Leah Locke, a policy analyst with the American Consumer Institute/InsideSources, wrote an OpEd in the Boston Herald, Financial literacy extends to housing policies In February 2026, NCRA was quoted in a HousingWire story, Single-file credit proposal...
