3-in-1 Credit Reports
What do I get when I buy a 3-in-1 credit report?
-- You get an online copy of your credit reports and scores as reported by all three credit reporting agencies displayed in an easy to read side-by-side comparison chart.
-- Information and suggestions on how you can improve your credit score.
-- Detailed articles that will help educate you on better methods for managing your credit and finances.
-- Toll free customer service.
What information about my credit and loans accounts are listed in a 3-in-1 credit report?
-- Who has been retrieving access to your credit file.
-- What accounts are opened and which are closed.
-- How much your balances, credit lines and monthly payments are.
-- Whether or not any of your accounts have had late payments.
-- The contact information for all of your credit issuers including phone numbers and addresses
Why is getting a 3-in-1 credit report wiser than purchasing a single credit report?
-- As mentioned, there is a strong possibility that one or more of the credit reporting agencies will have erroneous information listed for you. Therefore, it is important that you access and analyze your information as reported by all three agencies. Having misinformation will only adversely affect your credit score and hurt your chances for approval for any type of credit and/or loan.
-- Obtaining a 3-in-1 credit report will allow you to identify accounts that are not yours. This can be accounts that are being illegally used by an identity thief.
In conclusion….
The cost of a 3-in-credit report is slightly more than a single report. But you get what you pay for. Knowing that your credit file is being reported accurately by all three credit reporting agencies is worth every penny.
Related Tags: free credit report, credit reports, instant online access to your credit file
Jacob Joseph is a financial expert for http://www.starloanservices.com. At Star Loan Services you can get a free copy of your credit report.
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