While judging your credit worthiness, it is best to acquire all three credit reports, since the three-in-one credit report is by far considered indisputable. The three credit reports contain credit information procured from TransUnion, Experian and Equifax. These three bureaus compile information from different creditors or lenders, analyze information and detail it in the credit reports.
Obtaining All Three Credit Reports
All three credit reports prove extremely useful in obtaining loansbecause no creditor will lend money without determining the borrower’s credit worthiness. The following are some ways of obtaining all three credit reports:
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Visit the Equifax website. According to the option you choose, you will obtain a 3 in 1 credit report and score for $30. This bureau also offers an ID Patrol service for $15, which notifies members whether their credit information is available on the Internet. A Credit Watch Gold service alerts members about changes in their reports for $10 a month. A Score Watch service sends a free FICO score and suggests a suitable time to apply for loans for $10.
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Visit the Experian website to procure the Experian credit report for approximately $10 and a combination of the 3-bureau report for $40. Along with the 3credit report, one can also procure FICO scores and fraud protection alerts within the same amount.
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Visit the TransUnion website to get only the TransUnion report or the combined report of all three bureaus. TransUnion offers credit monitoring services at $15 a month. This service can provide one unlimited access to one’s credit reports and scores. The credit monitoring service also notifies members regarding changes and new account openings. The financial analysis of this bureau is delineated through charts and graphs.
Procuring All Three Credit Reports for Free
To acquire all three credit reports, make sure that your name, address, social security number, salary information, date of birth and employer’s name is updated. There are two ways of procuring the credit information for free:
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You can call on the number on the toll-free number for free credit information from all the three bureaus. The information will be provided through a voice-activated service. You will have to enter the social security number and your date of birth by using the telephone keypad.
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You can also log onto annualcreditreport.com, download the form and request for the free annual reports.