How Healthy Is Your Credit?

Know Where You Stand with a 3 in 1 Free Credit Report

Getting a 3 in 1 free credit report is a great way to keep tabs on your credit history. You might not know it but there are actually 3 separate credit bureaus which provide completely different credit reports and credit scores. It’s important to monitor all 3 credit reports for inaccuracies and even signs of identity theft. While your 3 credit reports may be similar, each credit bureau may have different information regarding your accounts. Some lenders will report information to all 3 bureaus while some may use one 1 or 2 of them.

What is a 3 in 1 Free Credit Report?

A 3 in 1 free credit report provides you with a detailed credit history from the 3 leading credit reporting agencies. Your report includes details dating back as far as 7 to 10 years and includes things like payment information, employment history, address history and other personally identifiable information about you and the credit accounts you’ve held.

When you get a 3 in 1 credit report you should receive your credit report from:

Experian
Equifax
TransUnion

Having all 3 reports at once will give you the best idea of where you stand financially. Getting your 3 credit reports allows you to see all of the information that a potential lender might see when considering you for a loan or a credit card. Even employers and landlords use credit reports to help screen potential employees and tenants.

So What About my Credit Score?

Your credit score is calculated based on your credit history at each of the 3 major credit reporting bureaus. Each bureau calculates their scores a little differently so it’s important to know where you stand at each of the bureaus. Your score isn’t actually included in your credit report and will typically need to be purchased separately depending on where you get your credit report from.

Most lenders are more interested in your credit score than your credit report so it’s really important to know what your score is before applying for any credit. Just one bad credit score out of 3 can hurt your chances of getting a loan, an apartment or even a job.

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