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

April 26, 2017credit report differences discrepancies merge Plus report

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

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LandSafe generates a Merge Credit Report by pulling and merging data from the three credit bureaus. This information is not verified by LandSafe before compiling into a single report. LandSafe produces the Merge Plus and the Residential Merge Credit Report (RMCR) and verifies information on various tradelines. Because a LandSafe processor verifies the tradelines, the information on a Merge Plus or a RMCR is more recent and more valid. Therefore, the discrepancies you perceive may be the difference between the information the credit bureau is reporting versus what a LandSafe processor has verified with the creditor.