Definition of Merged Credit Report:

Merged Credit Reports in Orange County:

This is a credit report which reports the raw data pulled from the three major credit repositories; Experian, TransUnion and Equifax, this is in contrast with a Residential Mortgage Credit Report (RMCR) or a standard factual credit report. The lender is looking at a person’s credit history in determining whether they are willing to extend them a mortgage or not. In mortgage lending, the lender will use the middle FICO score of the three for use in determining the overall credit score. For example: If the persons credit scores were as follows; Experian – 741, TransUnion – 728, Equifax – 753, the lender would use a credit score of 741, which was the middle of the three.


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