Valued Contributor
AndySoCal
Posts: 1,952
Registered: ‎04-07-2009
Re: HUD -“three repository merged” (TRMCR), and Residential Mortgage Credit Report (RMCR)
[ Edited ]

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 815 5/28/2012, 818 on 7/28/2014 . Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013 MyFICO XPN -805. 2/26/2014 Discover TU FICO 813 App free since 9/2011