Debate intensifies over single-file credit report plan for mortgages

Opponents counter that the tri-merge model protects borrowers by revealing errors or missing data across bureaus. They warn a single-file approach could enable score “gaming” by allowing lenders to avoid lower scores, and that would benefit lenders rather than consumers.

Eric Ellman, president of the National Consumer Reporting Association (NCRA) said we learned from the 2008 housing…