Equifax-backed study finds tri-merge mortgage credit reports reduce score-shopping risk and support USD 1 billion in industry savings

Reuters03-17 21:34

Equifax-backed study finds tri-merge mortgage credit reports reduce score-shopping risk and support USD 1 billion in industry savings

Equifax cited a study by Andrew Davidson and Company analyzing the potential effects of moving away from the tri-merge standard in mortgage credit reporting, using VantageScore 4.0 scores across data from three nationwide consumer reporting agencies. The analysis said using three credit files can increase credit score certainty by reducing the risk that lenders miss tradelines or risk indicators. It also said moving away from a standardized median score could increase the risk of score shopping and may affect investor pricing of mortgage-backed securities, with potential impacts on consumer interest rates. Separately, Equifax said it is offering VantageScore 4.0 mortgage credit scores for USD 1 and estimated this could result in more than USD 1 billion in mortgage industry savings.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Equifax Inc. published the original content used to generate this news brief on March 17, 2026, and is solely responsible for the information contained therein.

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