subject: Get Your Free Credit Score Report From The 3 Credit Bureaus [print this page] Get Your Free Credit Score Report From The 3 Credit Bureaus
Getting your free credit score will provide you with a very important piece of credit information. Credit scores range from between 300 and 900. The higher it is the better rates you will get on loans. A credit score helps you make sense of your credit report, it gives a clear picture of how well you're managing your credit and also gives you insight into what creditors and lenders look at when determining if you qualify for a credit card or loan.
This is the reason why we suggest that everyone get their free credit score at least once a year. If you are going to apply for a credit card, it is a good idea to get a duplicate of your credit score and report, and check it over to make sure that all of the information is accurate. You can obtain a copy of your credit report completely free every year from any of the credit bureaus.
While the above idea is a completely satisfactory way of keeping track of your credit report you can also get a 3 in 1 credit report as an alternative.
This type of credit report combines the information that appears on your credit report as compiled by Equifax, Experian and TransUnion and gives you a big picture of what your credit in fact looks like. Often, a 3 in 1 credit report gives you a brief list of potentially difficult information, which you can swiftly and easily review. It is also known by the name of 3 Bureau Credit Report.
Creditors, lenders, and banks will report to a credit bureau whenever a customer takes out a loan, opens up a new credit card account, misses a payment on a bill, or files for bankruptcy. However, they are not required to report it to all three credit bureaus. The result is that the free credit report you obtain from an individual credit bureau might be missing some vital information. That missing information can often have a remarkable affect on your credit report. If you want a very obvious view of how good or dreadful your credit report really is, you should consider paying for a 3 in 1 credit report.
A detailed investigation of your free credit score and report can give you a great insight into your financial situation. If you place your order for a comprehensive credit score from one of the 3 credit bureaus, you can qualify to get your credit history from Experian, TransUnion, and Equifax in a joint file. These will help you in easy assessment of where you stand and enable you to note the differences in your three credit reports. It will help you follow all loans and credit cards that are opened in your name and you will be able to find out which companies contact the credit bureaus.
