Commentary: You Are More Than A Score
A credit report is more than a score. Most mortgage credit reports are called "tri-merges," meaning they are combinations of credit reports from the three major credit bureaus (Experian, Equifax, and Trans-union). And while they provide your three scores, a tri-merged report gives you so much more.
Credit reports show payment histories, balances, available credit, and other information for most installment, revolving and mortgage accounts. They also show judgments, liens, bankruptcies, and collections. Credit reports show how many (if any) times your credit has been pulled over the past 90 days or more. Reports even have previous addresses, any AKAs, and what factors the bureaus used to calculate your score, along with contact information for your creditors and the three bureaus