Control Your Credit, Protect Your Future

3 in 1 Credit Reports

What is a 3 in 1 credit report?

While a single credit report will provide your credit information from only one of the three major credit bureaus (Experian credit bureau, Equifax credit bureau, and TransUnion credit bureau), a 3-in-1 credit report (also called a 3 agency credit report or a 3 bureau report) provides your credit history as reported by all three.

A 3-in-1 credit report lists all of your credit accounts, which allows you to quickly view how all three federal credit bureaus are reporting your credit. A 3 agency credit report also reports which credit grantors have recently viewed your credit report.

What info is in a 3 in 1 credit report?

More specifically, your 3-in-1 credit report will show you:

• Details of every credit card opened in your name
• Details of every loan opened in your name
• A complete breakdown of your payment history
• A report of all the companies that have reviewed your credit report
• A line-by-line comparison of the information on each of the credit reports from the three credit bureaus

Why is a 3-in-1 credit report better than a single bureau credit report?

The three credit bureaus (also called credit bureau agencies or credit bureau companies) are independent of each other and do not share information, so the personal and financial information that is contained in one credit check agency is not the same as the personal and financial information contained in the others; therefore, a single bureau credit report could miss important information. By obtaining a 3-in-1 credit report, you will be aware of any information a potential lender can see concerning your financial history.

Also, because up to 70 percent of credit reports contain errors of some kind, experts recommend you get a 3 bureau report to ensure all errors are captured.

Benefits of a 3-in-1 credit report

• It gives you a comprehensive look at how lenders see you
• It helps ensure the accuracy of your credit records
• It helps protect you against identity theft
• It helps complete the financing of a loan

And not only does a 3 credit bureau report give you a complete overview of your credit history, it also presents the information in a clear, easy-to-understand format. Side-by-side comparison allows you to quickly see any discrepancies in reporting between the 3 major credit bureaus.

For more information on how to check your credit report, or how to instantly get your 3 in 1 credit report, FREE credit score, and identity theft insurance, go to www.CreditReport.com now!

Related Articles

• Why 3-in-1 Credit Reports Make Sense
  
• Credit Reports and Credit Scores – What’s the Difference?
  
• Credit Report and Home Buying – What You Need to Know
  
• Credit Report and Automobile Buying – What You Need to Know
  
• Credit Report and Boat Buying – What You Need to Know
  
• Credit Report and Renting an Apartment – What You Need to Know
  
• What Is Your Credit Score and How Is It Computed?
  
• How Major Life Events Impact Your Credit
  
• Why You Should Establish a Good Credit History As Soon As Possible
  
• The Art of Getting Credit