In one embodiment, a system, method, and apparatus to generate a merged record comprises a client server configured to generate a first report; and a recovery server configured to: receive the first report, the first report including first report information including at least one first descriptive term and a customer ID; match the at least one first descriptive term to one of a plurality of descriptive terms in a descriptive term list; determine if a weighted percentage associated with the matched at least one first descriptive term is greater than a predetermined weighted percent; match the at least one first descriptive term to at least one second descriptive term in at least one second report if it is determined that the weighted percentage associated with the matched at least one first descriptive term is greater than the predetermined weighted percent.