3 Agency Credit Report
A 3 Agency Credit Report - Tri-Merged While you can easily find the credit agencies online, even 'free' services, what you really need is a 3 agency credit report, aka a 'tri-merged' credit report. There are three major credit agencies that most creditors and merchants report to; Experian, Transunion and Equifax. Now each creditor of yours, credit cards, loans, even that T.V. store where you bought a T.V., report to the credit agencies. However they 'may' not report to all 3 credit agencies, so each credit agency has a report on you that is a little bit, every once in a while a lot, different. If you go to one of the major credit bureaus, you can order a report that contains just their information, or better yet you can get a 3 agency credit report. www.experian.com, www.transunion.com, and www.equifax.com This saves you a significant amount of time because you won’t find yourself having to go to each of the credit agency’s websites individually and "don't you want to see what a potential lender of yours will see?" Why is it important for you to access all three of the redit agencies? * As mentioned above not every creditor reports to all three. As a result, one credit bureau report may have information not contained in credit reports accessed from the remaining two credit bureaus. * Also, every creditor, lender, merchant, landlord, even employer, who check your credit will get or "run' a tri-merged credit report. For this reason, in order to get a complete picture of your credit report and credit score, you need to 'run' a tri-merged report yourself.