What is a 3 Bureau Credit Report?
A 3 Bureau Credit Report is a Credit Report that has information from all 3 of the Credit Bureaus. The 3 Credit Bureaus are Equifax, Experian, and Trans Union. Each of these 3 Credit Bureaus records information about you and your credit history. Creditors to whom you are looking for a loan may check only one, or all 3 Credit Bureaus for information.
How does a 3 Bureau Credit Report Help me?
Since Lenders can check from one, or all three Credit Bureaus for information, you will want to your Credit Report for all 3 of them. Imagine this - you check your Credit Report from one agency, and all seems fine - however, your lender checks your Credit Report from another agency, and that Credit Report from that Bureau is different! If there is a mistake on one of the other Bureaus Credit Reports, then that mistake affects your Credit Score. Now, since the Credit Score you lender has may be lower than the one you checked, your loan or mortgage may have a higher interest rate - or worse - be denied. For this reason you really want a 3 Bureau Credit Report.
How much will a 3 Bureau Credit Report Cost?
Nothing! You can get a 3 Bureau Credit Report for free!
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