My Paint Horse is almost solid white?

Bay is not tricolor...its bay. It's very rare to see a true tricolored horse.

To the OP, your horse looks bay to me.

Tricolor = 3 colors.
Look at the OPs horse and count how many colors you see.

Any paint horse that has black points, a different colored body (i.e., buckskin or bay) and then white body markings is a tricolor.

Yes, her horse is three different colors, but calling it tri-colored is not correct. The horse is a bay paint. You don't call a bay, buckskin, etc horse duel-color...

Snookey, QHDragon is correct.

?? Then what IS a "true tricolor"? I see ads for tricolor horses for sale all the time... seems like a pretty common term to me...

People will call their horse what they think will make it sounds more rare, expensive, etc. Most of them are just bay, buckskin, or dun paints that are showing their black points.

So the term "tricolor" is not false in this instance, just not preferred? ... I'm still not getting it. I have always seen people call horses tricolors that have white markings (paint markings) and two other colors, usually brown and black.

This horse is possibly a tri-color, he appears to be buckskin with brown non-diluted patches, and then white obviously. No testing was ever done on this horse to see what was going on though.