The information you are providing will be sent directly to the lender for review. By completing this form and providing the requested information you are giving the lender the authorization to obtain a FREE tri merge credit report for you. The review process usually takes 24-48 hours. Once your reports are obtained by the lender and your credit history has been reviewed, the lender may request a list of items so that you can proceed to the next level of the pre-approval process. If you would prefer to obtain your own credit reports with all three fico scores, please visit www.helprebuildmycredit.com and click the equifax icon to order your reports.