Credit Report FAQ

June 25th, 2010

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– money -
credit report faq

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Credit Report FAQ

How 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. 

* Request 3 in 1 Credit Report 

Get all three scores with your complete 3-in-1 Credit Report to see your comprehensive credit picture from all three of the major reporting agencies.

*Request Credit Snapshot

This is a snapshot of your credit history according to one major credit bureau. It is easy-to-read, and graphically enhanced with color-coded histograms. The report includes creditor contact information, a quick glance summary, disputing instructions, and an interactive guide.

*Credit Union Members Only!

Request your complete credit report with results from the three major credit reporting agencies.

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