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Tri-merge Credit Report with a Hard Inquiry
This is a full merged credit report from the three credit bureaus TransUnion, Experian, and Equifax and is fully visible to other vendors who may view the applicant’s credit. This type of report may also affect the credit of the borrower.

Tri-merge Credit Report with a Soft Inquiry
This is a merged credit report from the three credit bureaus posting an inquiry that can only be seen by the consumer when the consumer obtains a consumer disclosure credit report. A consumer disclosure credit report can be obtained directly from the bureaus or direct to consumer reseller.

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