3 in 1 Credit Reports: Credit Reports & Scores Guide
Review all 3 of your credit reports in an illustrated side-by-side format. With your 3-in-1 credit report you can easily spot differences between all three credit bureaus: TransUnion, Experian and Equifax.
3-in-1 Credit Reports Product Overview
Price & Free Trial
Identity Theft Protection
|TransUnion 3-in-1 Credit Report & Credit Score|
|$29.95 (one time fee)None||3 reportsEquifax, Experian, Transunion||1 scoreTransunion||None||None||Order Now|
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What is a 3-in-1 Credit Report?
Credit reporting agencies – also known as credit bureaus – are private companies that collect information about your credit history from lenders like banks, credit card companies and student loan agencies. There are three major credit reporting agencies in the United States: Equifax, Experian and TransUnion. Each of these bureaus keeps a record of your credit history, computes a credit score from that data, and then will sell it to you in various ways.
One type of credit product is called a 3-in-1 credit report (or three-bureau credit report). It offers a side-by-side comparison of your credit reports from all three bureaus as well as one credit score. The score usually comes from the issuing bureau, as each bureau also offer their own type of score. So when you order a 3-in-1 credit report, you get:
It may also include additional services for credit monitoring, identity theft protection, etc. Shop around, as many of these products are available on a monthly subscription basis and offer a free trial. Others are just a flat, one-time fee for a single look at your credit reports and score. The latter do not include credit monitoring or identity theft protection services. Both are available online as well as by mail.
Other types of credit reports include:
Regardless of the type of report you choose, the most important thing you can do to keep your credit healthy is to check your credit report every 6-12 months. Regular credit checks help you to spot inaccuracies and signs of identity theft before they cause major financial damage. Keeping your credit reports healthy and positive can help you save thousands on life's big purchases.