What type of credit report contains information from two or more credit repositories?

A merged credit report is specifically designed to provide a comprehensive view of a borrower's credit history by consolidating information from two or more credit repositories. Credit repositories, commonly referred to as credit bureaus, collect and maintain data on consumers' credit histories, and by merging data from these sources, the report gives lenders a broader perspective on an individual's creditworthiness.

This type of report is particularly useful for mortgage loan officers because it allows them to assess the financial reliability of potential borrowers more accurately and efficiently. By combining details such as credit scores, payment histories, outstanding debts, and different credit types, a merged credit report can reveal patterns and insights that might not be visible if only one bureau's information was used.

The other types of reports listed do not specifically indicate the combination of multiple repositories in their title or function. For instance, a consolidated credit report could imply a summary but does not necessarily guarantee information sourced from different bureaus. Comprehensive and unified credit reports could suggest a broad range of data but lack the specificity of being merged from multiple sources. Therefore, the merged credit report is the clear choice for the question regarding the inclusion of data from multiple credit repositories.