Key Differences Between Equifax, Experian and TransUnion Credit Reports

 

which credit report should i request

Mar 10,  · Which Credit Report Should You Request? Now, let’s try to give an effective answer to this question. If you are looking to get an idea of your qualifications as a home buyer, it would make sense to request your credit report (and score) from each of the bureaus. People with good credit should check their credit reports too. Regular checks ensure the information stays accurate. You may think you have one credit report and one credit score. But you really have several, and they may differ. Request your free credit reports. Your credit reports matter. Credit reports may affect your mortgage rates. No one should request your credit report without a valid purpose allowed by the law. Anyone who uses or obtains a copy of your credit report under false pretenses may be subject to civil and criminal penalties.


Which Credit Report Should I Get? What Scores Do Lenders Use?


But did you also realize that the manner in which the credit bureaus present your credit data is also likely to differ substantially? With Experian and TransUnion, all accounts are grouped together and listed alphabetically. Equifax files also often show an month credit history for your credit accounts. Experian credit reports contain a unique feature that many users find extremely enlightening. If you have accounts opened after Novemberwhich credit report should i request, the Balance History data will reflect whatever time period you opened the account.

Changing this information will not improve your credit score. However, if you ever seek a loan in the future, it will be helpful to have which credit report should i request information accurately reflected in your credit report to show a lender your hire date for a job, or the length of time you spent at a specific employer. They also include color-coded boxes white, green, yellow, orange and redwith words or numbers inside of them, to indicate your payment history:.

All credit reports — whether from Experian, Equifax or TransUnion — contain basic information that can be categorized into five primary sections:. These personal facts about you include your full name, date of birth, address, place of employment, and a partial listing of your social security number.

Your account summary lists any information creditors have reported about your payment history on loans of all kinds, such as mortgages, credit cardsauto loans, which credit report should i request, and student loans.

Any public record on your credit file — such as a judgment, tax lien or bankruptcy — will seriously lower your FICO credit score. Scrutinizing your credit reports puts you one step closer to achieving a great credit which credit report should i request because you will undoubtedly become better educated about your credit just looking at the highlights of each credit file, and the way that similar information is presented differently in each credit report.

If you want the most up-to-date copies of your credit reports, you can get them at no charge from AnnualCreditReport. Need help figuring out your credit report? Sign-up for one-on-one coaching. Advertising Disclosure: This site may accept advertising, affiliate payments or other forms of compensation from companies mentioned in articles.

This compensation may impact how and where products and companies appear on this site. The Money Coach Blog. Dec Last Updated: March 17, Users who found this page were searching for: what is the difference between all 3 credit reports there are three main credit reporting bureaus -- equifax experian and transunion how frequently can you request and receive a free credit report from each bureau?

Related Articles. Recommended Reading. Lynnette Khalfani-Cox, The Money Coach, is not a certified financial planner, registered investment adviser, or attorney.

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which credit report should i request

 

Jan 31,  · When should I review my credit report? You should check your credit reports at least once a year to make sure there are no errors that could keep you from getting credit or . No one should request your credit report without a valid purpose allowed by the law. Anyone who uses or obtains a copy of your credit report under false pretenses may be subject to civil and criminal penalties. Mar 10,  · Which Credit Report Should You Request? Now, let’s try to give an effective answer to this question. If you are looking to get an idea of your qualifications as a home buyer, it would make sense to request your credit report (and score) from each of the bureaus.