Study reveals bureau score gaps, fueling tri-merge credit debate

The research comes as a proposal to replace the longstanding tri-merge credit report with a single-file model has reignited debate over borrower costs, credit access and systemic risk.

“We are going through a modernization phase in the mortgage industry,” Sanjeeban Chatterjee, director of behavioral modeling at AD&Co, said in a statement. “At such times, it is important to…