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[@EnvyRoyalty__](/creator/twitter/EnvyRoyalty__)
"@RAMCOCAPITAL So you say it hurts 2) and 3). How is $fico interfering with a potential housing rebound Also by including TWN with the crefit file they differentiate themselves from the other bureaus. That becomes only relevant if we go back to bimerge though"  
[X Link](https://x.com/EnvyRoyalty__/status/1979297920982929718) [@EnvyRoyalty__](/creator/x/EnvyRoyalty__) 2025-10-17T21:26Z X followers, XXX engagements


"@RAMCOCAPITAL Totally agree that they lose the markup. I think they will raise cost per credit file though so nothing to worry about. Well lenders still need all X scores from every bureau. So why should it matter which CB gets pulled first"  
[X Link](https://x.com/EnvyRoyalty__/status/1979469568566284316) [@EnvyRoyalty__](/creator/x/EnvyRoyalty__) 2025-10-18T08:48Z X followers, XX engagements


"@RAMCOCAPITAL I think youre right on this. I know about the waterfall-pricing in verification services (TWN) but didnt think they had the same structure in credit files. Since verification is usually done after requesting a trimerge I expected it to do not matter"  
[X Link](https://x.com/EnvyRoyalty__/status/1979526763760738529) [@EnvyRoyalty__](/creator/x/EnvyRoyalty__) 2025-10-18T12:35Z X followers, XX engagements


"@RAMCOCAPITAL Okay didnt know about the pre qual score. You already know where to put your $efx funds"  
[X Link](https://x.com/EnvyRoyalty__/status/1979557485909602515) [@EnvyRoyalty__](/creator/x/EnvyRoyalty__) 2025-10-18T14:37Z X followers, XX engagements