Merged Credit Report

Merged credit reports are particularly common in mortgage lending. Because there are three major credit reporting bureaus, it’s possible that pulling a report from only one or two of these companies may not show a complete picture of your financial situation. By utilizing a merged or tri-merge credit report, mortgage lenders can access all of the financial information you have on file which helps the lending bank to decide the specific terms of your home loan or whether to even offer you a loan at all. This merged credit report can be obtained from any of the three major credit bureaus and will only contain the same information that is already shown on at least one of your credit reports with Experian, Equifax or TransUnion.