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The Resource Center Credit Fraud & Credit Monitoring | post

Why You Should Review All 3 of Your Credit Reports

by Neal O'Farrell on

Whether you've been ordering credit reports for years, or this is your first time, many people wonder "why should I order all three credit reports." Each credit bureau operates a little differently, which means the information on the reports will vary.

Here are a few benefits of ordering all three reports:

  1. More accurate understanding of your credit history. Credit bureaus don't always report the same information. Having all three credit reports will allow you to compare information more accurately.
  2. Ability to catch errors. Without ordering all three credit reports, it's impossible to catch all reporting errors. If you find inaccuracies, make sure to contact the reporting agency directly and file a dispute form.
  3. A larger range of credit scores. Since the credit bureaus don't calculate your score the same, you'll want to be aware of how they can vary. Reviewing all three credit scores will allow you to better understand how prospective lenders view your creditworthiness.

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