Soft-Pull Trimerge Report (Mortgage RMCR)

The Soft-Pull Trimerge Report is designed for those seeking a less intrusive overview of their credit status without affecting their credit score. At a cost of $38.00 for either an individual or joint report for married couples, this product also consolidates credit information from Equifax, Experian, and TransUnion. Unlike the hard-pull report, the soft-pull report is generated without making a hard inquiry into the credit file, thus not impacting the credit score. This type of report is ideal for initial mortgage pre-approvals or personal monitoring, providing a snapshot of the borrower's credit standing across the three major bureaus without the consequences of a hard credit pull.