3 Bureau Merged Credit Report

Each of the three national credit reporting agencies are independent of each other and do not share information. Therefore what is on one report may or may not be on another.

While a single bureau report is a file that represents the data from just one credit bureau, a 3-in-1 merged credit report is a credit report that includes data from all three credit bureaus (Equifax, Experian (formerly TRW), and Trans Union). When determining your ability to pay back a loan, many lenders examine your 3-in-1 Credit Report

To get your full credit picture, especially when you order your credit report for the first time or you're going to get a loan in the next six months,, it's better for you to get your 3-in-1 credit report and compare data from Equifax, Experian, and Trans Union side-by-side.

Some credit reporting companies generate your credit report with easy-to-understand color coding.

You can order a copy of your 3-bureau-merged credit reports from one of the following services:

• All 3 Bureau Credit Reports (Credit.com)
  

• TrueCredit.com