The information on each of your three bureau credit reports can be very different. Experian's 3 Bureau Credit Report includes your Experian, TransUnion® and Equifax® credit reports and scores. This comprehensive report provides a side-by-side format making it easy to review your complete credit history for potential inaccuracies.
Certain information on your credit report may hurt you if you apply for credit. The following statuses, either open or paid, are considered potentially negative: any missed payments, accounts included in bankruptcies, public record items, collections, creditor received deed, foreclosed, foreclosure proceedings started, claim filed with government, insurance claim filed, paid by creditor, paid in settlement, creditor cannot locate individual, repossession, defaulted on contract, voluntarily surrendered and charge-off.
These days, credit scores and credit reports are a very important way for lenders to measure your credit behavior. Creditors use them to obtain a clear profile of your credit history. Personal scores range from 330 to 830. When you request a credit report online, you’ll also obtain your credit score, with an analysis of the factors shaping your score.
Know what's in your Experian credit report and who's been checking your credit and why. Make sure your credit information is accurate and check your Experian, Equifax and TransUnion reports side-by-side with Experian's 3 Bureau Online Credit Report and Scores.
Calculated on the PLUS Score model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders. Learn More.