Don't Just Get One Credit Report Get A 3 In 1 Credit Report

By Author: Elliot Spalding
Total Articles: 14
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When an individual is looking to review their credit history, the first place they start is by getting a copy on their credit report. The truth is they could be taking one more step to getting a full picture of their credit standing.

Since there are three major credit bureaus, each consumer has three reports. These reports are unique and will have different information. This is because creditors only have to report to just one credit bureau. So one might report to TransUnion, but not to Experian and if you want the full picture of your credit standing, you want to get a 3 in 1 credit report.

A 3 in 1 credit report takes all three of your unique reports and combines it onto one document. This creates an all inclusive report for a consumer to review. It is also creates ease of use because they do not have to do between three different reports to compare the inconsistencies.

Another reason why consumers want to get a 3 in 1 credit report is because most reports have mistakes. Bankrate.com reports that 70% of credit reports have errors on them. This gives you consumers more reason why they want ...
... to get a 3 in 1 credit report. The first is errors can be removed to give you a boost in your credit score. The second is much more scary, identity theft. Signs of a stolen identity will be glaring on a 3 in 1 credit report. There will be address and accounts that you have never heard of before. This could be a dreaded sign of identity theft.

Also, this should be done on a regular basis. To often credit reports are just review right before a large purchase like a home. What happens if you are a month away from attempting to purchase a home, you check your credit report and there is a ton of errors. These are going to take time to be removed and could slow down your home purchase.

Consumers should be checking their credit reports at least one time if not twice per year. 3 in 1 credit reports cost some money. But they often come with a credit score which is going to cost money any ways.

So if you are a person looking to get a good credit score or looking to purchase something large like a home, you want to check your 3 in 1 credit report. Stay on top of your credit standing and it will pay off.

Inquiries are a smaller part of your credit score, but will be on your report for two years. So pick one credit card if you need a new one and shop if you are looking for a home loan.
To read more about how to get your 3 in 1 credit report, visit Elliot's website. There you will find a full comparison of all companies offering 3 in 1 credit reports