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Why are there differences or discrepancies between a Merge and a Merge Plus report?

April 26, 2017differences discrepancies merge Plus report

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Why are there differences or discrepancies between a Merge and a Merge Plus report?

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LandSafe Credit generates a merge report by pulling data from the 3 credit bureaus. This information is not verified. A Merge Plus and a RMCR are developed by LandSafe, verifying information on various tradelines. Because a processor verifies the tradelines, the information on a Merge Plus or a RMCR can be seen as more recent and more valid. Therefore, the discrepancies you perceive simply may be the difference between what the credit bureau is reporting and what a LandSafe processor has actually verified with the creditor.