3-in-1 Credit Report
	Lenders usually check your 3-in-1 Credit Report, the most complete picture of your credit history available. With data provided by all three national credit bureaus—Experian, Equifax, and TransUnion—you'll know the full story.

	Find out what personal information the credit bureaus have in your file.
		Make sure all three credit bureaus are reporting your correct name, address, and employer.
		Watch out for incorrect addresses—this may be a sign that an identity thief has redirected your mail to a false address.

	Understand your credit file with an easy-to-read summary of your report.
		See all of your essential credit report information at-a-glance.
		Make sure all three credit bureaus are reporting accurate information.
		Watch out for inaccuracies that could negatively impact your credit standing.

	Get detailed information about all of your loans and credit card accounts.
		Is the account open or closed?
		What is your monthly payment?
		What is your total balance?
		What is your maximum limit?
		Have you ever had any late payments?
		Make sure the information is accurate and up-to-date, consistent between bureaus.
		Watch out for accounts that are not familiar—these could be accounts that were opened fraudulently in your name.

	Discover who's been looking at your credit report.
		Make sure you've authorized all of the inquiries.
		Watch out for names of companies that are not familiar—if you haven't authorized the inquiry, it may be a sign of fraud.
		Note: When you personally check your credit report with TrueCredit.com, the inquiry that is recorded will not adversely affect your credit standing.

	Get contact information for all of your creditors.
		Use the addresses and phone numbers to contact them in case you identify issues that need to be resolved.