I’m seeing more lenders shift to bi-merge credit pulls (two bureaus instead of three) and pilot newer scoring models, which can change pricing tiers and documentation. From a planning standpoint, run side-by-side quotes and payment stress tests before you lock, and confirm the credit model and number of bureaus your lender uses — timelines vary, so check official updates and do your own research.
Saw a borrower move up a pricing tier when the lender switched to “two bureaus instead of three” — the dropped bureau was the outlier. Small caveat: if your best score is the one they don’t pull, it can cut the other way, so ask which two they use and which model before you lock. FHFA’s rollout timing keeps shifting, so keep an eye on https://www.fhfa.gov/PolicyProgramsResearch/Programs/Pages/Credit-Score-Initiative.aspx.
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I’ve noticed that some lenders offer better rates with bi-merge pulls, especially if you’re aware of which bureau may not reflect the best score. It’s worth double-checking your reports before applying; even small differences can sway rates. @LoanExpert shared a great tip about running a quick comparison on scores from the two bureaus to avoid surprises.