Does a tri-merge credit report hurt your credit score?

A hard pull, for when you’re applying for a credit card or a loan, can affect your credit score. But we use a soft pull to get a tri-merge credit report. This means we can review your credit report from the three major consumer credit bureaus – Experian, Equifax® and TransUnion® – without hurting your score.

What is tri-merge credit report?

Merged credit reports are also known as tri-merge reports or three-bureau reports. They’re generally created by third-party mortgage reporting companies that gather your information from the major consumer credit bureaus—Experian, TransUnion and Equifax.

Is a tri-merge credit report a hard inquiry?

When you order a tri-merge credit report from a site such as CreditReportEngine, there is no hard inquiry to your credit. At Experian, you can check all 3 credit scores and credit reports from Equifax, Transunion & Experian without affecting your credit scores.

How do I get my 3 credit reports?

Answer. You’re entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Order online from, the only authorized website for free credit reports, or call 1-877-322-8228.

Can I pull my own tri merge credit report?

You can’t order a copy of your tri-merge credit report. This report is only offered to lenders. However, you can order copies of your individual reports maintained by ExperianTM, Equifax® and TransUnion®. You can even do this for free at

Did Equifax and Experian merge?

We are now pleased to let you know that Equifax has chosen Experian®, one of the three nationwide credit bureaus, to provide you with an additional year of free credit monitoring service. This extension is at no cost to you , and you will not be asked to provide a credit card number or other payment information.

How do I pull a tri merge credit report?

You can request your information individually from Experian, Equifax and Transunion. According to federal law, you can obtain all three reports every 12 months at no cost. You can get your tri-merge from the free annual credit report, which is the only federally acknowledged site.

What are the 3 major credit reporting bureaus?

On you are entitled to a free annual credit report from each of the three credit reporting agencies. These agencies include Equifax, Experian, and TransUnion.

What do lenders consider investments to be?

Lenders consider your readily available money and savings plus investments, properties and other assets that you could access fairly quickly for cash. Other investments that can be converted to cash, such as Individual Retirement Accounts (IRAs), Certificates of Deposit (CDs), stocks, bonds or 401(k) accounts.

Why is my Experian score higher than Equifax?

2 Experian has a slight edge over Equifax because it tends to track recent credit searches more thoroughly. Experian breaks down a credit report into sections, which include the following: Personal information including past addresses.

Do lenders use Experian or Equifax?

While the FICO® 8 model is the most widely used scoring model for general lending decisions, banks use the following FICO scores when you apply for a mortgage: FICO® Score 2 (Experian) FICO® Score 5 (Equifax)