credit Archives - Words Journal

The Benefits of a Tri-merge Standard Credit Score

April 9, 2026News EditionBusinesscredit, Finanace

Recently, there have been proposals to change the standard tri-merge credit score to a single- or bi-merge score standard. The effects of this change could be significant. At present, a tri-merge standard provides the most reliable picture of someone’s creditworthiness, which helps not only the consumer but also the lender make the best decisions and

Modern Credit Scoring With Alternative Data

May 3, 2024BrianBusinessalternative data, credit

For the average American, building credit is, at least partially, a continually stressful and overwhelming experience. Many modern Americans use only cash and debit, or are recent immigrants, or are recent divorcees. These Americans, even while paying their bills consistently and operating completely responsibly, can have invisible credit profiles. This is a problem. No credit