Re: HUD -“three repository merged” (TRMCR), and Residentia
[ Edited ]
l Mortgage Credit Report (RMCR)
07-08-2010 06:37 PM - edited 07-08-2010 06:39 PM
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.