Credit Info Bureau

The 3 Free Credit Report Agencies

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There are 3 free credit report agencies and you can get information about your credit score and rating by any one of them. It's better to have 3 main ones then just one, because it gives the credibility of all involved a big raise. If it was only one company overseeing everything, errors could literally ruin people's lives. With the 3 pronged angle that possibility is greatly reduced or completely removed.

There are 3 nationally recognized and authoritative credit report agencies. They are: Experian, Equifax and TransUnion. These 3 companies have throughout the years been known as the "big 3" and the companies that are always being reference whenever you hear the term "3 in 1 credit report". A 3 in 1 credit report is very much like it sounds, you get the general perception of your debt, finances and credibility from not one, but three different independent sources. It's extremely helpful to have all 3 of these with you whenever you are trying to get a loan. That's because it can be used in the negotiations when you're trying to lower your interest rate, change the amount of payments you'll have due, or just in general try to get more of the terms and conditions of the loan tipped in your favor.

There is no major differences in the 3 free credit report agencies, however each one may have different information on your credit report. You can get your 3 in 1 credit report in a number of different ways. For instance, you could straight up buy it which often gives you instant access to all of the reports, or sometimes you get them as a value added service from something that you purchase from the banks, or a new account setup. The fastest, most affordable and efficient way of getting your credit report from the 3 major agencies is buying it.

With advances in technology, you can literally be looking at your 3 in 1 report online in a matter of minutes, and have a printed off version as well which you can easily use to leverage during negotiations. With the 3 in 1 report, you can also look at line by line the differences the different agencies have reported about your financials, That becomes extremely helpful if you're looking for disturbances or errors that may be swaying lenders against you, or even giving them extra ammunition during negotiations.

If you are talking with lenders right now, or you are planning on getting a loan or mortgage in the near future, then you should really be informed about what the 3 free credit report agencies are saying about you, your financials, and ultimately your credibility.

So that is all of the information you'd want to know about the 3 free credit report agencies, and the different things they keep track of about you. You also learned how to get access to these reports in a number of different ways.