/mɜrdʒd krɛdɪt rɪˈpɔrt/ – Phrase
Definition: Báo cáo tín dụng kết hợp
A more thorough explanation: a report containing detailed information on a person’s credit history which combines data from several different credit-reporting companies
Example: Lenders are required to request a merged credit report from one of the credit information providers listed on Fannie Mae’s website.