Received tri-merge from branch manager of a mortgage brockerage place, CreditPlus pulled the tri-merge for the company. States: Equifax/Beacon '96 611 Transunion/Empirica 572 Experian/Fair,Issac (vers.2) 496 Okay, I know who Efx, TU and Exp are, but after the / are these the people who gather the information for the CRAs and give the score. Would this also explain the variance in the scores? Always a student, and trying to learn the game. Thanks for all responses.
