topic HUD -“three repository merged” (TRMCR), and Residential Mortgage Credit Report (RMCR) in General Credit Topics

HUD -“three repository merged” (TRMCR), and Residential Mortgage Credit Report (RMCR)

eyesopen — Thu, 08 Jul 2010 18:51:27 GMT

Anyone familiar with these credit reports? Are they open to the public?

From HUD:

"The two types of traditional credit reports are the “three repository merged” credit report, also known as a “tri-merged” credit report (TRMCR), and Residential Mortgage Credit Report (RMCR). The minimum credit report required by FHA is the TRMCR.

Re: HUD -“three repository merged” (TRMCR), and Residential Mortgage Credit Report (RMCR)

guiness56 — Thu, 08 Jul 2010 18:53:43 GMT

No, they are only for lenders.

They are similar to the ones auto dealers use.

Re: HUD -“three repository merged” (TRMCR), and Residential Mortgage Credit Report (RMCR)

eyesopen — Thu, 08 Jul 2010 19:52:17 GMT

That's what I thought.

Thanks for confirming.

Re: HUD -“three repository merged” (TRMCR), and Residential Mortgage Credit Report (RMCR)

AndySoCal — Fri, 09 Jul 2010 01:39:35 GMT

Three repository merged credit report is a three bureau credit report with scores (FICO). The name of the report has its orgin in how the tradelines are shown on the report. If you have credit card that has reported to all thre bureaus the report would show that cred card once with compoite( Merge) of what the three bureaus reported. THE RMCR is a full checked credit report completed by a credit reporting agency. Full checked example be if a credit card balance had not reported recently the CRA would call and check the balance and the status of the account. The first report is used more often than the second one.

Re: HUD -“three repository merged” (TRMCR), and Residential Mortgage Credit Report (RMCR)

parajeep — Sat, 29 Sep 2012 21:26:52 GMT

How far can they look in to your credit past? 7 years seems like the obvious answer but ive seen certain situations(online) ie. Loans greater than 150k the statue of limitations do not apply?