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  "path": "/articles/verification-is-the-new-credit-score/",
  "publishedAt": "2026-03-11T07:11:00.000Z",
  "site": "https://www.housingwire.com",
  "tags": [
    "Contributors",
    "Mortgage",
    "Opinion",
    "Origination",
    "Artificial Intelligence",
    "credit report",
    "Credit Score",
    "HWmember"
  ],
  "textContent": "Why underwriting’s next evolution isn’t single-pull — it’s measurable confidence.\nThe mortgage industry is once again debating its foundation.\nFor decades, the tri-merge credit report has served as the default underwriting standard: three bureaus, three scores, a merged view designed to reduce blind spots.",
  "title": "Verification is the new credit score"
}