3-bureau credit report and FICO® Scores*

Compare and review your Experian, Equifax®, and TransUnion® credit reports and FICO Scores.

Graphic 3 bureaus score feature.
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One-time cost of $39.99

*Credit 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.

3-bureau credit report

See how you compare across all 3-bureau credit reports and see any differences that may have been reported by each bureau.

3-bureau FICO® Scores

Check key factors impacting each of your 3-bureau FICO Scores, including payment history, amount of new debt and more.

See what’s changed

Get insight into factors that may affect your overall credit, and learn about changes in your Experian credit report.

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Why check all 3 credit reports and FICO® Scores?

Lenders typically provide data to all 3 credit bureaus, but some may only report to 1 or 2.

Graphic report accounts and credit feature.

When you apply for credit, lenders typically won’t check all 3 credit reports.

Graphic 3 credit bureaus inquiries screen.

Each credit bureau has unique data, so your FICO® Score 8 can vary by bureau.

Graphic 3 credit bureaus list screen.

What else can you do with Experian?

Establish and build your credit

You may not have a credit score at every bureau, but with Experian Go™ you can establish a credit profile with recommendations on your next steps.

Instantly raise your credit scores

Get credit for bills like your cell phone, utilities, rent and insurance with Experian Boost®.ø Only your positive payment history is used.

Dispute inaccurate information

Review and dispute any inaccuracies on your Experian credit report with information for disputing your Equifax and TransUnion credit reports.

Prevent unauthorized access to your credit files

If there is any suspicious activity on any of your 3 credit reports, you can add a fraud alert at Experian, which is also shared with Equifax and TransUnion.

øResults will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®. Learn more.

Frequently asked questions

Education & advice

Credit bureaus, also known as credit reporting agencies or consumer reporting companies, play an integral part in the financial lives of millions of people. The big three—Experian, TransUnion and Equifax—collect and organize data to create consumer credit reports. The bureaus don't make lending decisions or determine your credit scores.

Information reported to each of the 3 bureaus can be different and the individual creditors providing 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.

You can have a credit score with one of the credit bureaus and not with the other two because your lenders may only report to one bureau. They may not have enough information in your credit file to create a credit score, and lenders are not required by law to report your credit activity.

The primary reason your scores probably won’t be exactly the same is that your credit reports are unlikely to be identical. If you have different credit reports, you’ll have different credit scores. Another reason, which applies only to FICO® Scores☉ , is that the scoring models are different across the three credit reporting agencies. So, even if you did have identical credit reports across the three credit bureaus, your FICO® Scores would still be different. This does not apply to VantageScore’s credit scoring models, as they are identical across the three credit bureaus.

Your scores, however, should be directionally similar, meaning if you have great credit reports, you will have great credit scores regardless of which credit report or credit score brand a lender chooses to use.

The national credit bureaus—Experian, TransUnion and Equifax—each have their own processes and procedures, so the best way to contact them can differ. All offer multiple ways to access your credit information, tools for protecting your credit reports from fraud and identity theft, and methods to address inaccuracies in your report if you find any. Learn more on how to contact each bureau.

Credit monitoring resources