Merged Hard Inquiry Credit Report

A merged hard-inquiry report pulls the full consumer files from two (bi-merge) or all three (tri-merge) national CRAs, de-duplicates matching tradelines and inquiries, and returns a single, lender-friendly layout with FICO® 5/4/2 scores. Mortgage and auto lenders order the file through resellers such as Informative Research, CRS Credit API or Universal Credit Services, while the bureaus record one hard inquiry each. Turn-time is typically 1-3 seconds for API/XML and < 10 seconds for MISMO PDF delivery.