Mortgage Merged Credit Report
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Expand Your View of Borrowers
Why pull a standard tri-merge credit report when you can get more with the Mortgage Merged Credit Report from Equifax? The Mortgage Merged Credit Report delivers expanded insight lenders need to confidently and securely grow their business and serve a wider audience of borrowers.
As a merged credit report, it provides traditional mortgage credit data from all three NCRAs. However, it also offers expanded, panoramic visibility across 24 months of trended data, along with differentiated, highly structured telco, pay tv and utilities attributes available at no additional cost.
Lenders can zoom out to see how borrowers manage their credit over time. Likewise, they can understand how borrowers pay their monthly "everyday bills" for utilities, cell phones, and cable—accounts that aren't typically included in a standard credit report.
Both types of data, trended credit and alternative data, are highly predictive of future account performance, supporting more accurate and informed mortgage origination and mortgage underwriting.
245+ Consumer credit files included in the Equifax credit file.
238M Consumer files included in the telco, pay TV, and utility data available only from Equifax.
Trended credit data from Equifax offers up to 24 months of past payment trends to help lenders better predict risk
Know More About Borrowers with Expanded Alternative Data
In the highly competitive mortgage market, access to expanded mortgage credit data and borrower insights can sharpen lending strategies and decisions, giving lenders a clear edge.
The Merged Mortgage Credit Report from Equifax delivers more of the data lenders need—when it matters most during mortgage origination and mortgage underwriting. Enhanced with trended data and telco, pay tv, and utilities insights, it reveals the bigger picture of borrowers, not just a single moment when the credit report is pulled.
Lenders get the reliable tri-bureau credit data needed to fund mortgage loans, along with differentiated borrower insights to better manage risk and engage underserved borrowers who lack traditional credit.
See the Bigger Picture, Sooner
Use early in the lending process for full credit views that facilitate better borrower experiences and more competitive loan pricing.
Streamline Mortgage Processing
Seamlessly integrate with leading Loan Origination, Automated Underwriting, and Point of Sale systems with "plug and play" design.
Power Faster, Easier Mortgage Underwriting with Comprehensive Borrower Views
As our flagship tri-merge credit report, the Mortgage Merged Credit Report consolidates data from all three NCRAs—Equifax, Experian, and TransUnion—into one standardized document. Because not all creditors report to every bureau, a merged report ensures that significant debts, late payments, or public records aren't missed.
Our report is unique because it also includes trended credit data that offers up to 24 months of past payment trends, and can also be delivered with telco, pay tv and utilities attributes.
These differentiated insights are provided with our merged credit report at no additional cost to lenders, offering more comprehensive borrower views that can make mortgage underwriting faster and easier.
Better Predict Risk with Tri-Merge Mortgage Credit Report Insights
Understanding a borrower's "right now" credit standing along with their payment behaviors over an extended period of time is the new gold standard for risk prediction. Fold in visibility into how they pay their monthly fixed bills like utilities, cable, and cell phones, and the ability to more accurately predict risk skyrockets.
That's what you get with our Merged Mortgage Credit Report.
Risk prediction becomes your new competitive edge, regardless of changing economic conditions and ever-evolving mortgage guidelines. No matter what, you gain clearer direction for your borrowers and your mortgage business.
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