What is a merged credit report?
The Bankrate.com financial term of the day is: "Merged Credit Report."
Lots of things come in threes: bears, wise men, Detroit automakers, Charlie's Angels -- and credit bureaus. The big three -- Equifax, Experian and TransUnion -- keep records and issue reports on how well each of us handles debt. That's valuable information for anyone who might have to decide whether to lend to us in the future. A merged credit report combines all the tattletale information from the three credit agencies into one summary.
The three major credit bureaus keep separate tabs on your credit. Those credit histories can be blended into one merged credit report.
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The Federal Trade Commission is warning consumers about a new scam called card-cracking, which involves turning over your bank account information, PIN number or online banking credentials to crooks.
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