Software that helps mortgage lenders approve borrowers using new credit data instead of the traditional three-bureau credit report.
Next‑gen mortgage decisioning & alternative credit products
With regulators and industry moving to sunset the tri‑merge credit report and HousingWire quoting Bob Broeksmit saying it “won’t be around for long,” lenders will need ways to underwrite loans without the traditional three‑bureau file. Software that uses alternative credit data, single‑file decisioning and easy plug‑ins into lender workflows could fill that gap now.
Projected Score
as a side gig ☆☆☆☆☆ (0/5)
no money or audience ★☆☆☆☆ (1/5)
with both ★★★☆☆ (3/5)
Want this one researched? Commission the full dossier for $15: we research and write it, and you read it first. Then you choose — pay more to keep it exclusive, or do nothing and it goes public on this site. The score above is our forecast for a dossier we haven’t written yet.
The news behind it
- Oct 13, 2026 HousingWire: Bob Broeksmit says tri-merge ‘won’t be around for long’
