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Tri-merged reports

Discussion in 'Credit Talk' started by Slayer, Jul 28, 2002.

  1. Jul 28, 2002 #1
    Slayer

    Slayer Well-Known Member

    Does anyone know if I pull one of these it will cause a soft or hard inquiry?

    Does anyone have a link for tri-merged reports?
     
  3. Jul 28, 2002 #2
    GEORGE

    GEORGE Well-Known Member

    When "YOU" get your own credit report...it MUST be a "SOFT"!!!

    You have to apply for a credit card or loan for it to be a "HARD"~~~or some STUPID INSURANCE COMPANIES (FARMERS FOR ONE) pull a "HARD" to "SEE" how you drive!!!

    DON'T FORGET TO HAVE ALL THOSE CLAIMS AND TICKETS AND ACCIDENTS (THAT YOU NEVER HAD BEFORE)...WHEN YOUR SCORE TAKES A "DUMP"!!!
     
  4. Jul 28, 2002 #3
    Slayer

    Slayer Well-Known Member

    I could've sworn I read a post from someone on this board that when they pulled a tri-merge, it created a hard instead of a soft iquiry.
     
  5. Jul 28, 2002 #4
    GEORGE

    GEORGE Well-Known Member

    If they did...they need to DISPUTE IT!!!
     
  6. Jul 28, 2002 #5
    Slayer

    Slayer Well-Known Member

    ok..I found 2 sites that offer 3-in-one reports, both for $34.99. One is Q-space (consumerinfo.com) and the other is Monitrust.com.

    Has anyone found a cheaper one?


    EQ 724
    EX 795
    TU 745
     
  7. Jul 28, 2002 #6
    Maggie75

    Maggie75 Well-Known Member

    Input please:
    what advantage might there be to reviewing a tri-merged report rather than having one from each of the CRAs? most of the prices I have seen are about the same as the total for ordering a single one from each CRA, less if you already have access to CreditWatch through Equifax or CE through Experian. hiceost

    I have never requested one, since I have CW Scorepower and CE (whatever that score is worth??)and just purchased TransUnion FICO.

    Would a trimerged report show me something that the individual reports would not? Is a trimerged something that we should consider ordering if we are considerting an auto loan or mortgage refinance?
     
  8. Jul 28, 2002 #7
    Slayer

    Slayer Well-Known Member

    There was a thread here just the other day about someone who pulled a tri-merged and found a bunch of deleted trade lines that were not on individual CRA reports, but were showing up somehow on the tri-merged.

    Since my BK has been deleted (due to the 7 year rule, not by dispute), I want to make sure there is no trace whatsoever remaining. I'm applying for a new lease, and I heard some landlords may pull a tri-merged report.


    EQ 724
    EX 795
    TU 745
     
  9. Jul 28, 2002 #8
    GEORGE

    GEORGE Well-Known Member

  10. Jul 28, 2002 #9
    Slayer

    Slayer Well-Known Member

    Thanks George!

    I got it for $24.95 because I subscribe to Creditwatch.

    Just checked it, no baddies, no bk's showing up on tri-merged. Surprisingly most of the tradelines are consistent with all three CRA's.


    EQ 726 (gained 2 points today somehow!)
    EX 795
    TU 745
     
  11. Jul 28, 2002 #10
    Maggie75

    Maggie75 Well-Known Member

    thanks for the tip, George

    BTW, are the court papers filed yet ? you know I am still eligible for adoption...
     
  12. Jul 29, 2002 #11
    Mrei

    Mrei Well-Known Member

    BTW,

    sometime those 3-1 reports shows up hard & soft INQ from Equifax.... I found 6 of them....
     

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