credit report – Cantilever Real Estate

Single-file credit proposal reignites debate over savings vs risks

February 9, 2026 by bp56691

A proposal to replace the longstanding tri-merge credit report with a single-file model has reignited debate over borrower costs and systemic risk, placing trade associations on opposing sides.

TransUnion pushes back on single-pull mortgage credit proposal

October 20, 2025 by bp56691

The credit bureau argues that replacing tri-merge reports with a single pull could exclude creditworthy borrowers and increase systemic risk.

FHFA clarifies key VantageScore 4.0 implementation questions

July 15, 2025 by bp56691

A week after the initial announcement, FHFA Director Bill Pulte answered several key questions about the implementation of VantageScore 4.0.

Credit bureaus will push to scale back mortgage trigger leads bill

November 19, 2024 by bp56691

The passage of the mortgage trigger lead bill as proposed in Congress may face a challenge this week from the consumer reporting industry.