 TITLE: What Is a Merged Credit Report? CONTENT: Can You Order a Tri-Merge Credit Report?\n----------------------------------------\nMerged reports are primarily created and sold to mortgage professionals, and you can't necessarily order one on your own. However, if you're working with a mortgage lender or broker, they may be able to share a copy of your tri-merge report with you.\nThey may even be able to request a merged report with a soft inquiry—the type that doesn't impact your credit scores. However, if you want to get preapproved for a mortgage or you're applying for a loan, the creation of the tri-merge report could lead to a hard inquiry on all three of your credit reports.\nYou may also be able to get a copy of a merged credit report if you're working with a credit counselor. Some counselors offer first-time homebuyer programs, and reviewing your credit may be part of the preparation process.\nWhile you won't get a tri-merge report, you can request a free copy of your credit report from each of the three credit bureaus once a week (through April 20, 2022) on AnnualCreditReport.com. You'll receive three individual reports rather than a single merged report, but you'll be able to have a complete picture of the information being reported to Experian, Equifax, and TransUnion. You can use this information to gain a better understanding of your credit reports and review your account information, such as your payment history and balance information. END