3 In 1 Credit Report

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i oder 3-1 credit report from transunion and it says i have a 601 for experian but i also oder experian single credit report and it says i have a 667, why those that happends? and which one should i believe

Best Answer

use the middle number. all 3 bureaus are going to have different number so most places will use the middle number of the 3.

I am always having a hard time with Freecreditreport.com and others that give me either a FICO score and no report, or I get ONLY 1 report and then 2 months of $9.95 fees! Please help..I JUST want my report and FICO score from Equifax/Experian and TRW. Thanks in advance!

Best Answer

https://www.annualcreditreport.com/cra/ index.jsp Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. You get your report for free once per year from all three major agencies. You have to pay for your FICO though. That's not free.

Best Answer

http:/www.truecredit.com I have been subscribed with this company for about a year now. It is actually owned by Trans Union which is one of the 3 major credit bureaus. It is like $14.00 a month. It lets you see all 3 scores, and all 3 reports. I check mine almost daily. Plus, they will email you when someone checks your credit.

Im sorry that im posting this, but I dont know how to respond in open questions. But this web site offers 3-1 score and report http://www.myfico.com/Products/FICOThree... Bout 50 bucks a year, but I cant clearly see if those scores are going to change regularly, as in when they change, do I get to see it, or does it happen only once a month or do i see it the minute it changes on any of them at any time through the year? THanks

Best Answer

it will notify you when your credit score changes; there is no set time when it changes because bureau's are always updating credit profiles etc......

Is their one credit reporting agency that is more commonly used than the others? I am just curious because one report is significantly higher than the others and it doesn't show any negative activity. The other 2 have the 4 late payments I have had in my entire life, and yes, they have definately killed my score for those companies. Also since those late things are over 1 and 2 years old, is there any chance the one agency that doesn't have them will at some point get them?

Best Answer

There is no telling which agency a particular credit issuer subscribes to. Sooner or later all have the same data (or close to the same) so you won't really dodge the bullet if the issuer you applied to uses one versus another agency. I have been getting reports from all three for the past several years and haven't seen much difference. If you really ticked off a lender I am sure they would make it a point to tell all three how you screwed them so there really is no hiding.