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

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Valued Member

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

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.


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4 REPLIES
Epic Contributor

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

No, they are only for lenders.

 

They are similar to the ones auto dealers use.

Message 2 of 5
Valued Member

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

That's what I thought.

Thanks for confirming.


Starting Score: 647
Current Score: 813 - 830
Goal Score: 850


Take the FICO Fitness Challenge
Message 3 of 5
Valued Contributor

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

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.

Equifax My FICO score 814 11/29/2016, Discover TU FICO 807 12/29/2016 Citibank Equifax Bankcard FICO score 827 12/27/2016 Average of Accounts 13 years and no Installment accounts, 1 TU inquiry in 2015
Message 4 of 5
New Member

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

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?

Message 5 of 5