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In 2026, when it comes to pricing a mortgage, the type of credit report is being contested. Traditionally, the tri-merge credit report was the standard. This type of credit report takes information from Equifax, Experian, and TransUnion and uses the median, or middle, credit score. However, some lenders have attempted to use a bi-merge or single credit report instead – which utilizes 2 credit companies or 1 company, respectively. However, these 2 approaches are not the most accurate. It is estimated that, when missing data from even 1 bureau, over a third of consumers saw a credit score that was…


