Three industry leaders from each of the three bureaus come together and the message is
unmistakable: the future of mortgage lending depends on an inclusive, data-rich approach
to credit qualification. HousingWire’s Clayton Collings moderates a conversation with Joel
Rickman of Equifax, Michele Bodda of Experian, and Satyan Merchant of TransUnion to pull
back the curtain on one of the industry’s hottest topics: credit. This executive panel delves
into how the talk around moving from tri-merge to bi-merge and the associated data
reduction is shortsided, risky and misaligned with consumer needs. Lenders choosing to
start with all three reports aren’t just checking a box, they’re eliminating surprises that cost
borrowers time, money and trust.
As credit files expand with new sources, alternative data, and more contributors than ever,
the panel outlines how industry-wide collaboration is strengthening credit access and
transforming the mortgage process. This conversation gets straight to the point: more data
leads to better decisions, more qualified borrowers and a stronger housing finance system.