What type of credit report contains raw data from multiple major credit repositories?

A merged credit report is the correct response as it compiles and presents information from multiple major credit repositories, such as Equifax, Experian, and TransUnion. This type of report is particularly useful in situations like mortgage applications, where lenders want a comprehensive view of an individual's credit history and financial behavior from various sources. By integrating data from these different agencies, the merged credit report provides a more complete picture of a borrower’s creditworthiness, allowing lenders to make informed decisions.

The standard credit report typically focuses on data from a single credit bureau and does not provide the comprehensive view that a merged report does. The residential mortgage credit report, while also useful for mortgage purposes, may not necessarily include data from all three major credit bureaus in a merged format. Lastly, an Equifax credit report would only contain information from Equifax and would not reflect data from other repositories, limiting its utility in a broader credit evaluation context.