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| GETTING IT FAST, GETTING IT RIGHT, GETTING IT ONCE |
When considering loan applications, credit grantors want fast, accurate and comprehensive credit reports—without duplicate information. The task becomes complicated when it*s necessary to manually review more than one report. The solution is the merged credit report. This automated combining of an individual or joint credit report from Trans Union, Equifax and/or TRW produces a single, easy-to-read document.  |
| A KEY TOOL IN CONSUMER AND MORTGAGE CREDIT | ||
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| Most consumer credit grantors customarily review one credit report early in the application process. However, due to differences between information on the application and that contained in the credit bureau report, many credit grantors order and manually review additional credit reports. The merged credit report streamlines this process maximizing productivity and profitability. | Consumer credit applications include: | |
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| The merged credit report is also familiar to the mortgage industry, where it has been in use for some years to meet Fannie Mae and Freddie Mac requirements. | Mortgage lenders use merged credit reports for: | |
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With the Trans
Union Merged Credit Report, you*ll
make better-informed decisions based on more tradelines, more public
records, and a more complete inquiry history. And you will eliminate
the time and cost associated with manual reviews. |
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| EFFICIENCY THROUGH STATE-OF-THE-ART TECHNOLOGY | |
There are many merged credit reports. Only one stands out— the Trans Union Merged Credit Report. It is a result of years of development and refinement by The National Merging Center, Trans Union*s strategic partner. What distinguishes the Trans Union Merged Credit Report from others are the features you need most, delivered by advanced technology: Superior Merging Logic is at the core of the Trans Union Merged Credit Report. This logic has been thoroughly tested and shown to be significantly more accurate than typical merge-Z purge methods in eliminating duplicate tradelines. No Melding/Blending of Tradelines. Other merged credit reports meld and blend tradelines, creating a confusing hybrid that combines data from different credit reporting bureaus into one tradeline. The meld/blend approach does not identify the source of the data. The Trans Union Merged Credit Report contains no mysteries: you will receive complete tradeline history as reported by the credit bureaus. |
• Flexibility. The Trans Union Merged Credit Report is structured to give you a two-file or three-file merged report, depending on your needs. Many formatting and sorting options are also available. In addition, you can also merge joint inquiries. • Access. No matter what your technological capabilities, you can gain easy access to the Trans Union Merged Credit Report through several paths:
• Speed is vital in the credit-approval process, and nothing is faster than the Trans Union Merged Credit Report. Your reports will arrive in an average of 15 seconds after requesting data from the credit repositories. And if a CPU to CPU link is established, your transaction will be completed in 3-5 seconds! |
| WHAT*S NEXT | ||
| The Trans Union Merged Credit Report provides unequaled speed, access, flexibility and accuracy. If you are presently using a merged credit report, you owe it to yourself to compare it with the advanced features available only from Trans Union. If you aren*t enjoying the advantages of a merged credit report, | the Trans
Union Merged Credit Report is your product of choice. Call your
local Trans Union representative for details.
To locate the Trans Union bureau nearest you call us at...
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