A study by Andrew Davidson & Co. found meaningful credit score discrepancies among the three major bureaus — a key data point for those arguing in favor of maintaining the tri-merge standard rather than shifting to a bi-merge or single-report model.

According to the paper, released Friday, 35% of the 245 million scored consumers in the dataset had at least one bureau score that differed from the traditional tri-merge result by 10 points or more. Another 18% had a variance of at least 20 points, while 7% saw differences of 40 points or more.

The three national credit bureaus — details ⇒