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FACT: There are 3 credit bureaus that collect personal information about you. So you have three different personal credit bureau reports as they do not share data.

FACT: Most lenders obtain and view all 3 credit reports when determining your ability to pay back a loan.

FACT: Order and view your 3 Credit Report now for just $29.95. You'll also receive a FREE credit score with personalized analysis.

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View Your 3 in 1 Personal Credit Report Instantly!

Were you aware of the fact that you have 3 different personal credit reports? And the fact that all these three credit reports can have a different set of information? This is because there are three Credit bureau agencies namely Experian, TransUnion and Equifax to which your lenders and creditors report data to. Each lender/creditor reports to one or two of the above mentioned 3 credit report agencies. So in order to manage a good credit profile, you need to view all three credit reports on a regular basis. You can do this by making use of our instant 3 in 1 credit report services.

Why should I check all 3 credit reports?

Before sanctioning a loan, lenders obtain and view personal financial credit report data from all the three credit bureaus to find out how you have utilized your credit in the past. They decide the interest rate to levy on your loan purely based on these three credit report records. Obtaining and viewing tri-merge credit report on a regular basis can help you maintain a healthy credit profile. And a healthy credit profile can help you get loans and other credits at very low interest rates. This way you can save a lot of money by investing a very low rate to obtain and view credit report.

Second important reason why you need to check your tri-merge personal 3-in-1 credit report is to ensure that the reports are accurate. This is because there are chances that your personal credit report may contain inaccurate data. Checking your credit-reports in all three agencies can help you identify and dispute inaccurate information and also help you fight instances of fraud and identify theft.

How to read and understand your tri-merge credit reports

Reading and understanding your credit reports is not that hard. Find below the various information included in the credit reports and how to understand them.

1.) Consumer Information: This section of your personal credit report contains general information like your name, date of birth, residential address and employer information. Make sure that this information is accurate

2.) Consumer Statement: The 3 credit reports consumer statement is the message you have asked the organization to place on the report. This message could be because of fraud alert, disputes or late payments that might have occurred in the past

3.) Credit History: The credit history section of your personal credit financial report is the most important. Make sure to read and understand this section properly. This section contains information about debts you have taken and your obligations. Lenders check this section to access risks of offering a loan to you

4.) Public Records: If you have past records of bankruptcy, judgment filings or tax liens, you will find that in this section

5.) Inquiries: If you want to find out about the Companies who have requested access to your personal credit reports in the last two years, you will find that in this section.

6.) Creditor contacts: This section in the three credit reports contains contact addresses and phone numbers of your creditors. You can use this information to get in touch with a creditor if you need one. This is the final section in your credit report.

Find more information in our credit reports learning center

Our learning center gives you complete information on how to obtain and view your credit report from all 3 credit bureaus, how to dispute errors and many more tips.




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