CDIA

CDIA's Dan Smith explains in American Banker why preserving tri-merge credit reporting matters for fairness and accuracy in mortgage lending. Read more: livearticles.net/arizent/262653… #PreserveTriMerge #MortgageFairness #TriMerge #CreditReporting #FullCreditPicture

New podcast: Dan Smith joined the Chrisman Commentary - Daily Mortgage News to talk about why preserving the tri-merge credit report is critical for accurate underwriting and a stable mortgage market. Watch here: youtube.com/watch?v=AkGgVq… #Mortgage #Housing #CreditData

New research from Andrew Davidson & Co., Inc.  shows moving away from tri-merge in mortgage underwriting would increase risk and costs. Incomplete data = higher uncertainty = higher costs. ad-co.com/system/files?f… #MortgageFinance #CreditReporting #HousingAffordability

Interesting conversation here with @tobiaspeterAEI highlighting the risks of moving away from tri-merge

The tri-merge credit report exists for a reason; it promotes data accuracy, market competition, and investor confidence. Eliminating it erodes the integrity of the credit reporting system. Read CDIA CEO Dan Smith's blog post on tri-merge here: tinyurl.com/49bhkpzx #TriMerge

Congress must act. CDIA is proud to lead a coalition of 15 organizations urging passage of the FCRA Liability Harmonization Act (H.R. 5775)—to protect consumers and responsible data use. Read our statement: cdiaonline.org/news/2025/12/1… #FCRA #ConsumerProtection

As we told @FederalNewsNet this week, without a federal standard, it is not impossible to imagine a patchwork of state laws that create inconsistent lending standards which can raise costs and cause confusion for both consumers and lenders. tinyurl.com/ypk4k45b

Accurate and reliable consumer credit data is a bedrock of financial stability. @NEWSMAX warns: “When underwriting depends on partial data, misjudged risk doesn’t disappear — it shifts.” The #trimerge protects borrowers, investors, and the system itself. tinyurl.com/4jjma3f8

Accurate consumer data in credit reports ensures economic stability. As @HispLeadFund wrote in @Fulcrum_us "less comprehensive report would create blind spots that disproportionately harm working-class and minority borrowers" Read more tinyurl.com/2ta7hjj2 #Mortgage

Tri-merge protects 27.8M Americans from unfair scoring drops. The data backs it up—read more: livearticles.net/arizent/262653… #PreserveTriMerge #TriMerge #ThreeBureauCredit #ProtectBorrowers #CreditScoreReform #CreditReportingMatters

Tri-merge = transparency. Fewer reports = barriers. Let’s not make homeownership harder by ignoring key credit data. The full picture protects borrowers: livearticles.net/arizent/262653… #TriMerge #CreditTransparency #MortgageFairness #StandardsInLending #HomeownershipAccess

The 3-bureau model protects consumers and lenders alike: livearticles.net/arizent/262653… #PreserveTriMerge #TriMerge #CreditInclusion #ProtectBorrowers #MortgagePolicy

Three reports = accuracy. One or two = risk. Millions could lose access to fair credit if we abandon tri-merge. Why @FHFA @pulte stance matters for borrowers and lenders alike: livearticles.net/arizent/262653… #TriMerge #CreditReportingMatters #StandardsInLending

Here’s why the full picture protects every borrower: livearticles.net/arizent/262653… #TriMerge #MortgageFairness #FullCreditPicture #ProtectBorrowers #MortgagePolicy

When lenders have access to complete, reliable information, they can make sound decisions that expand access to credit and promote responsible homeownership. The tri-merge model remains essential. Read @TransUnion's report: media.transunion.com/content/dam/tr… #TriMerge #Homeownership

Cutting data doesn’t cut risk—it multiplies it. Without tri-merge credit reporting, 27.8M Americans could see their scores fall. The 3-bureau model protects consumers and lenders: livearticles.net/arizent/262653… #TriMerge #ProtectBorrowers #InclusiveCredit #CreditReportingMatters

@TransUnion released a new report highlighting the continued importance of tri-merge credit reporting in mortgage lending. Comprehensive credit data is vital to ensuring accuracy, stability, and fairness in the housing finance system. media.transunion.com/content/dam/tr… #TriMerge #CreditData

Ditching one or more reports could lock families out of homeownership. Here’s why we can’t risk it: livearticles.net/arizent/262653… #PreserveTriMerge #TriMerge #CreditTransparency #ProtectBorrowers #MortgagePolicy #HomeownershipAccess

Efficiency shouldn’t mean “less protection.” Dropping to fewer credit reports could mean thousands more in mortgage costs for borrowers. Tri-merge keeps lending fair and accurate: livearticles.net/arizent/262653… #TriMerge #MortgageFairness #FullCreditPicture #ProtectBorrowers

The 3-bureau system works for a reason: livearticles.net/arizent/262653… #PreserveTriMerge #TriMerge #ThreeBureauCredit #ProtectBorrowers #CreditScoreReform #StandardsInLending

Your rent history. Your credit cards. Your full financial story. All at risk if we move away from tri-merge credit reports. Consumers deserve accuracy—not missing data. Learn why 3-in-1 model still matters: livearticles.net/arizent/262653… #TriMerge #3BureauCredit #CreditReportingMatters