by Eric J. Ellman | Sep 9, 2026
Right before Labor Day weekend, FHFA Director Bill Pulte took to X to make a series of posts of interest and concern to the mortgage reporting industry. The five posts on Thursday night, September 3, 2026, and Friday morning, September 4, break down into three...
by Eric J. Ellman | Aug 31, 2026
As reported in Housing Wire, FHA expected to keep Classic FICO as it adds new models in January (Aug. 28. 2026), “FHA is expected to allow lenders to deliver VantageScore 4.0, FICO 10T or Classic FICO for case files dated on or after Jan. 1, 2027.” The...
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...
