Credit Bureaus and Reports
3-in-1 Credit Report
A 3-in-1 credit report allows consumers to review their entire credit history in a single source.
A 3-in-1 report is important for fully understanding your credit history and standing. While a single credit report provides information that creditors have reported to that particular credit bureau, a 3-in-1 report provides information from all three national credit bureaus, showing your entire credit background.
Differences Between a Single and 3-in-1 Credit Report
Since the three national credit bureaus are independent of each other, each may maintain different financial information on each consumer based on what creditors have reported to them. Keep in mind, however, that you are also likely to see some of the same financial information as well. Nonetheless, because the credit bureaus do not share information with each other, usually there are some different entries on each individual bureau's report.
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Typically, a 3-in-1 credit report will contain specifics of each and every loan ever opened in your name, credits cards opened in your name, your payment history and companies that have checked your credit history. Additionally, you may get a detailed analysis of each entry on your individual reports. The 3-in-1 report also includes a comparison between the three major bureaus.
Since you will be able to see your entire credit history with a 3-in-1 credit report, you will not only be able to verify that the entries on your entire credit history are accurate, but you will also be able to have a more comprehensive view of what potential credit lenders and financial institutions see about your entire credit history. In addition, if you are considering a new loan, a 3-in-1 credit report may make the process of financing your loan easier, less tedious and less time-consuming.
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