3-Bureau Credit Report and FICO® Scores1

The information in each of your Credit Reports from the three credit bureaus can be different. This is why it’s important to review your Experian®, Equifax®, and TransUnion® Credit Reports and FICO Scores.

One-time cost of $39.95

Check all 3 Reports and FICO Scores

1Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More.

Product features:

3-bureau Credit Report

See how you compare across all 3-bureau Credit Reports with views into your personal information, the accounts reported to each bureau, overall credit usage and debt summary, what hard inquiries there are, and if there are any collections or public records reported.

3-bureau FICO Scores

See what factors are impacting each of your 3-bureau FICO Scores, including payment history, recent credit card usage, your length of credit history, any derogatory items, and credit account types such as installment loans.

Live customer support

Get insight into the factors that may be impacting your credit risk level, and learn the details about the items that appear in your Experian Credit Report. Support is available toll-free 7 days a week.

3-bureau credit resources

How to Resolve Disputes with Credit Bureaus

When you dispute information on your Credit Report, Experian contacts the company that reported the information and notifies them of your dispute.

Debt Bureau Reports Not Part of Experian Credit Report

Debit bureaus specialize in collecting information on accounts held at banking institutions, such as checking and savings accounts, and the information collected by debit bureaus do not appear in an Experian Credit Report.

Do you have to place a fraud alert with each credit reporting company?

When you request a fraud alert or security alert be added with any of the three major credit reporting companies, the company you contacted will notify the other two and alerts will be added with those agencies as well.

Credit basics

Why can Credit Scores be different for each of the 3 bureaus?

If the scores vary based on the same scoring model, then Credit Report information could be different at each of the 3 bureaus. For example, one bureau may have 6 hard inquiries on its credit report, another may have 2, and the last bureau may have 4. Since the number of hard inquiries is a factor in calculating your Credit Score, this could produce different score numbers, even though it is based on the same scoring model.

Why should I check all 3 bureau Credit Reports and Credit Scores?

Information reported to each of the 3 bureaus can be different and the individual creditors furnishing data may also be different, meaning one creditor may only report to one or only two of the three bureaus. Lenders, such as mortgage companies are not required by law to report account information to each of the 3 bureaus. Checking each of your 3 Credit Reports gives you a comprehensive view so that you can easily identify differences that could impact your credit standing.

Get your 3-bureau Credit Report and FICO Scores

Check all 3 bureaus now

One time cost of $39.95