How Healthy Is Your Credit?

Get a Comprehensive Look at Your Credit with a Triple Score Credit Report

Your triple score credit report is basically the most all encompassing view of your financial history available. Like the name implies you will receive your 3 credit scores along with your 3 credit reports from each of the 3 major credit reporting bureaus. Each bureau collects data independently and creates their own credit report based on that data. They also calculate their credit scores differently which means you could have 2 great scores and 1 terrible score without even knowing it.

Advantages of a Triple Score Credit Report

There are several advantages of getting your triple score credit report which includes:

Fast - When you get all 3 credit reports and credit scores from one place you will save yourself a lot of time. Getting each individual credit report and then getting each individual credit score separately could take hours. When you get a triple score credit report all of the information you need about your credit history will be available within minutes.
Easy - Forget having to dig through the maze of web pages you would have to go through to find your credit report and credit scores on the credit reporting bureaus website. Getting all 3 credit reports and credit scores at once is much more convenient.
Comprehensive - Because each credit bureaus collects information independently it’s important to know what’s on each of your credit reports. You never know which credit report or credit score a potential lender, insurer or even employer may pull so it’s important to know what’s on all of them.

Is It Possible to Get a Triple Score Credit Report for Free?

Although the Fair Credit Reporting Act created a law that would allow consumers to get their credit reports from each of the 3 major credit reporting bureaus for free every year, unfortunately, this law doesn’t also cover credit scores. Most bureaus will still charge you (up to $17.95 or more) to get your credit score online.

The only way to get a triple score credit report for free would be to find a company offering a free trial membership which includes all 3 credit reports and credit scores for free. Although the trial membership may be free (typically for a credit monitoring service) after the trial period is over there are typically fees associated with the membership. It’s important to understand all the terms and conditions of your free trial before signing up.

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