Fixing what isn’t broken: Why moving to a single-bureau credit report in mortgage underwriting is misguided and expensive

Dr. Amy Crews Cutts's new whitepaper uses comprehensive data and cost analysis to examine the current tri-merge requirement in mortgage credit reporting. It challenges the assumption that reducing the number of reports saves money, demonstrating that eliminating the tri-merge introduces significant market risks that would inevitably lead to higher, long-term costs for consumers and decreased stability in the secondary mortgage market.