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What is a Tri Merge Credit Report?
Last updated: November 26, 2025
Tri Merge credit report is used by mortgage lenders to collect FICO credit reports from all three consumer credit bureaus: Equifax, Transunion, Experian. Trimerge credit reports can either be hard inquiries ("hard pull") which can negatively impact your credit score or soft inquiries ("soft pull") which does not negatively impact your credit score. At OfferMarket, we are dedicated to protecting your credit score and that is why we only utilize soft trimerge credit reports.
If you are a real estate investor shopping for a DSCR loan or fix and flip loan, understanding the tri merge credit report can help you get a lower interest rate and higher loan amount.
