Pulte says FHFA weighing bi-merge, single credit report
FHFA opens door to VantageScore for all lenders
credit report
Auto Added by WPeMatico
The Gathering 2026: Mortgage execs debate the hidden risks of credit score reform
Mortgage industry executives say the shift to new credit score models and lender choice could raise mortgage delinquencies, reshape pricing grids at the government-sponsored enterprises (GSEs) and ultimately push costs back onto borrowers, even if the costs for scores fall on the front end.
Single-file credit proposal reignites debate over savings vs risks
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
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
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
The passage of the mortgage trigger lead bill as proposed in Congress may face a challenge this week from the consumer reporting industry.