To create an unmerged report and file, open the file in our web portal and deselect the borrower or co-borrower that you wish to omit in the UNMERGE REPORT area. This method can be used for unmerging bureaus as well.
Next, select a Web-based report and press the View button. When the credit report opens in a new window, select "Create Unmerged Copy" in the upper-right hand corner of the screen. After processing, you will now have an individual credit report for the borrower you've requested which can be used for automated underwriting .
Please note that you must have selected either the borrower or the co-borrower and at least one bureau.
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