When You Check Your Credit Report, 3 Bureaus and Score Information is Key

When you check your credit report, 3 bureaus and score information is key. Your credit report is a record of all of your past borrowing and of how responsible you have been with your debt. You don’t want to just pull one credit report from one of the major credit reporting agencies. Instead, you want to obtain a report from all three credit bureaus and you also want to obtain score information. Only by pulling a credit report from all three bureaus and obtaining score information can you have a comprehensive picture of your financial state.

Why a Credit Report 3 Bureaus and Score Information is Important

It is important to obtain your credit report from all three credit reporting bureaus and to obtain your score information because you want to ensure that you have a full and complete picture of everything that lenders can see when you want to borrow money. Lenders, a landlord, utility companies and even employers may all check your credit to see if you are trustworthy and responsible with money. You never know which of the major credit reporting agencies they are going to pull your report from, so checking your credit report from all 3 bureaus is very important.

Why Do You Need To Check Your Score?

In addition to getting a credit report from all three of the major credit bureaus that keep tabs on your borrowing history, you also want to ensure that you are obtaining score information from each of the three credit reporting agencies. Just looking at your report can give you a detailed description of how you have borrowed in the past, but without the score, you won’t know whether your past borrowing actions have helped you to be viewed in a positive or a negative light. It is the score that most lenders use as a shortcut glimpse to tell them how creditworthy you are, since the numerical score lets creditors (and you) know at a glance how you are doing.

How To Obtain a Credit Report 3 Bureaus and Score Information

To obtain your credit reports and scores from all three credit reporting agencies, you could individually order your report and score from each agencies. Unfortunately, this can be a time consuming process, especially if you plan to watch your credit report and score over time to make sure that it doesn’t change unexpectedly. Instead of having to individually obtain your credit report and score all the time, you should consider using a service that makes it possible to obtain a 3in1 credit report. This is the simplest way to obtain a credit report, 3 bureaus and score information on a regular basis.