Merged and Tri-Merged Credit Reports
Merged and Tri-Merged credit reports provide mortgage providers and other creditors with an easy-to-read view of a business owner or private person’s credit history, with information from two or all three major consumer credit bureaus – Experian, Equifax and TransUnion. We take the raw data from each bureau and combine it to make it possible to get an immediate view of risks and potential, so loans can be made with more confidence.
The tri-merged report makes it easier to identify discrepancies between reports, whether negative factors that may not have been reported to all three credit reporting agencies, or inaccuracies that have been corrected in one or two reports but not all. Tri-merged reports include balances, credit limits, minimum monthly payments, late payment history, collection actions, defaults and inquiries over the last 90 days.
The tri-merged report also includes information that can be used for fraud detection such as a historical detail of previous addresses and employment, as well as social security number variations and aliases.