Tri-Merge Credit Reports

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What is it?

A Tri-Merged credit report provides data from all of the major credit repositories: Trans Union, Experian and Equifax. A tri-merge credit report takes the raw data and merges it into one comprehensive report. This report encompasses the same data you normally receive for underwriting such as – credit scores, credit history, public record information, credit inquiries, fraud searches, OFAC search and alerts.

Why use it?

Mortgage loans are among the largest dollar amount loans your credit union grants. While underwriting and evaluating credit worthiness of a potential borrower you need to have every piece of relevant information at your fingertips. The various bureaus report scores differently – you cannot afford a mistake. With tri-merge reports you will be able to immediately identify the credit worthiness with scores provided by the three credit bureaus and will have complete visibility on the level of debt and any delinquent.

Availability and cost?

CU*Answers has partnered with CBCInnovis to bring integrated tri merge credit reports accessible via CU*BASE. This feature is available to all CU*Answers clients with the 15.2 release. The cost for the report and archiving remains the same as regular credit reports, $0.75 per report in addition to bureau fees.

   

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Updated
March 15, 2017

Here comes the next Collections Roundtable – web conference attendance available!

Here comes the next Collections Roundtable – web conference attendance available!

Pull Up a Chair, the Roundtable is Waiting! Join us for the FREE Collections Roundtable, an open forum discussion on collections laws, internal procedures, and CU*BASE processes. Join us for the third session of the 2017 Collections Roundtable Series, for whichever session you’d like – or both! This month’s Collections Roundtable will feature guest speaker Tom… Read more »

Aug 18, 2017

Here comes the next Collections Roundtable!

Here comes the next Collections Roundtable!

Pull Up a Chair, the Roundtable is Waiting! Join us for the FREE Collections Roundtable, an open forum discussion on collections laws, internal procedures, and CU*BASE processes. Join us for the third session of the 2017 Collections Roundtable Series, for whichever session you’d like – or both! This month’s Collections Roundtable will feature guest speaker Tom… Read more »

Aug 15, 2017

NADA Vehicle Valuation – Streamlining Your Vehicle Loan Process

NADA Vehicle Valuation – Streamlining Your Vehicle Loan Process

As a CU*Answers client, you have the ability to activate a seamless NADA (National Automobile Dealer Association) integrated valuation tool to populate the automobile’s current value directly into the collateral record. It is necessary for loan officers to verify the value of vehicles during the loan process.  In the past, this required loan officers to… Read more »

Jul 17, 2017

Don’t Forget: Lender*VP Forms is ready to assist with Military Lending Act (MLA) credit card form changes

Don’t Forget: Lender*VP Forms is ready to assist with Military Lending Act (MLA) credit card form changes

Do you have credit card forms mapped in CU*BASE? This is a reminder that the Military Lending Act (MLA) compliance effective date for credit card accounts is October 3rd, 2017.  Please be sure to check with your forms vendor to verify your credit card forms are in compliance. Contact Lender*VP Forms You can also reach… Read more »

Jul 5, 2017

Don’t Forget: Lender*VP Forms is ready to assist with Military Lending Act (MLA) credit card form changes

Don’t Forget: Lender*VP Forms is ready to assist with Military Lending Act (MLA) credit card form changes

Do you have credit card forms mapped in CU*BASE? This is a reminder that the Military Lending Act (MLA) compliance effective date for credit card accounts is October 3rd, 2017.  Please be sure to check with your forms vendor to verify your credit card forms are in compliance. Contact Lender*VP Forms You can also reach… Read more »

Jun 27, 2017

Lender*VP Forms is ready to assist with Military Lending Act (MLA) credit card form changes

Lender*VP Forms is ready to assist with Military Lending Act (MLA) credit card form changes

Do you have credit card forms mapped in CU*BASE? This is a reminder that the Military Lending Act (MLA) compliance effective date for credit card accounts is October 3rd, 2017.  Please be sure to check with your forms vendor to verify your credit card forms are in compliance. Contact Lender*VP Forms You can also reach… Read more »

Jun 20, 2017

Lender*VP Forms is ready to assist with Military Lending Act (MLA) credit card form changes

Lender*VP Forms is ready to assist with Military Lending Act (MLA) credit card form changes

Do you have credit card forms mapped in CU*BASE? This is a reminder that the Military Lending Act (MLA) compliance effective date for credit card accounts is October 3rd, 2017.  Please be sure to check with your forms vendor to verify your credit card forms are in compliance. Contact Lender*VP Forms You can also reach… Read more »

Jun 13, 2017

Here comes the next Collections Roundtable!

Here comes the next Collections Roundtable!

Pull Up a Chair, the Roundtable is Waiting! Join us for the FREE Collections Roundtable, an open forum discussion on collections laws, internal procedures, and CU*BASE processes. Join us for the second session of the 2017 Collections Roundtable Series, for whichever session you’d like – or both! This month’s Collections Roundtable will feature guest speaker attorney John… Read more »

Apr 26, 2017