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Recently I came across the concept of a tri-merge report. I'm trying to better understand where this report is used. I spent several hours online doing research, but can't seem to find conclusive evidence on who (or what portion of the lenders) use the trimerge report. So far, my understanding is that ALL mortgage lenders and a small segment of the auto lenders require a tri-merge report. Is this true? Do credit-card, HELOC and unsecured/personal loan lenders require a tri-merge report?
Thank you!