is a 3 Bureau credit report different from a
single-bureau credit report?
A 3 Bureau report includes your complete information
from all 3 US credit bureaus – Experian, Equifax,
& TransUnion. A single-bureau report contains
your information on file at one of those 3 bureaus.
Why is my credit report and score different among
the 3 bureaus?
When creditors report information to the credit
bureaus, they can choose which bureau(s) they want
to report to. Some report to only 1, whereas many
report to all 3. When a creditor chooses only to
report to 1 or 2 of the bureaus, the remaining
bureau(s) will not have access to, and therefore
will not include, that account information in your
report. Similarly, the credit bureaus do not share
information and may report information that is
inconsistent with the other bureaus.
Why is it important to check my credit report
& credit score at all 3 bureaus?
When creditors, landlords, and potential
employers check your credit history, they can pull
your credit report & credit score from any
bureau(s). Some only check 1 bureau; some always
check all 3. By checking all 3 yourself, you’ll be
prepared no matter which bureau(s) they go to.