Cotality, formerly known as CoreLogic, is a specialty consumer reporting agency focused on the real estate and mortgage lending ecosystem. In 2025, CoreLogic officially rebranded as Cotality, continuing its role as a major provider of property data, analytics, and credit reporting services for:
One of Cotality’s most widely used products is the Credco Credit Report, a foundational tool in consumer credit and mortgage underwriting.
A Credco Credit Report is a tri-merge consumer credit report used by lenders to evaluate a borrower’s creditworthiness for:
Lenders rely on Credco reports to:
Credco Credit Reports are deeply embedded in the U.S. lending infrastructure.
According to Cotality, Credco Credit Reports are an industry standard, with:
This widespread adoption makes Credco one of the most accepted credit report solutions in real estate finance.
Credco aggregates personal credit data from all three major credit bureaus:
This information is merged into a single consolidated report, commonly referred to as a tri-merge credit report.
Cotality states that it is:
By combining bureau data into one file, Credco provides lenders with a complete, side-by-side credit profile, reducing blind spots and inconsistencies.
Under federal law, consumers are entitled to request their full consumer disclosure file, including their Credco Credit Report.
Reviewing your Credco credit file allows you to:
Ensuring your Credco report is accurate is especially important before applying for a mortgage, refinance, or major loan.
Consumers can request their Credco Credit Report disclosure directly from Cotality.
(800) 637-2422
Credco
Consumer Services Department
P.O. Box 509124
San Diego, CA 92150
You may also request your Credco Credit Report online using the SpecialScores consumer report request service at:
Our mission is to track all the credit reports and credit scores in America. Request your specialty credit reports and scores now.
