We are getting close to Halloween, and the Trump administration is being haunted by a creepy idea that survived the Biden years. Inflation will get worse if a spooky idea on housing affordability is adopted by Trump bureaucrats. Like Freddy Krueger, the monster from A Nightmare on Elm Street, or the demonic clown, Pennywise from the movie IT, this terrifying idea is hard to escape.

Inflation impacts the affordability of everyday items people need, like gas, groceries, and housing. The administration should be working on novel ways to address these concerns; however, a stale idea of the Biden administration seems to have survived and is threatening potential new homeowners. This is a policy which would weaken credit standards and would end up making mortgages more expensive. This is a liberal idea resurrected from the political dead.

The tri-merge credit model, which is the current standard, uses data from three reputable nationwide credit agencies. This system has been in place for years and has proven to be a stable, workable standard for the underwriting of mortgages. Having a comprehensive view provides the lender with an accurate estimation of the consumer’s risk in taking on a........

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