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TrueCredit 3-in-1 Personal Credit Reports
The three major credit bureaus are TransUnion, Equifax and Experian. Each has its own methods for tracking and managing credit information for about 260 million Americans. The bureaus do not share information, so discrepancies can occur on your personal credit reports. A TrueCredit three-bureau credit report gives you the most comprehensive view of your credit and how lenders view your financial profile.
It is estimated that there is an average 40 point difference in credit scores between the three bureaus. Varying scores can make the difference between interest rates, or even a denial when you're applying for credit. It is important to get your personal credit reports from each bureau to maintain accuracy between all three. At TrueCredit, our reports give you a complete record of your credit with each agency. To check your credit with each of the three major credit bureaus, please follow this link: Comprehensive 3-in-1 Personal Credit Reports and Score Analysis.
By checking your credit often, you can ensure that your personal credit reports are free of inaccuracies that can prevent you from getting a loan, credit card or a mortgage. Credit reports can also enable you to keep track of your performance with your current creditors. Personal credit reports are also a valuable tool for guarding against identity theft. With our 3-in-1 Credit Report, you can watch for the signs that someone is using your information to commit identity theft. Bogus accounts, changes of address and other suspicious activity on your personal credit reports can alert you to a serious problem.
Personal credit reports include six primary types of information: consumer information (address, birthday and employment), consumer statement, account histories, public records, inquiries and creditor contacts. Each section is updated whenever you open a new account, miss a payment, or move. Negative information will stay on your personal credit reports for about 7 to 10 years, while positive information remains on your report indefinitely. Your personal credit reports may be different with each credit agency so it is important to keep current with all of them. We recommend checking your credit about every 3 months to make sure that everything is up-to-date. View your personal credit report now.
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