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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March 15, 2017