From Which Credit Bureau Should You Order Your Credit Score?
This is a very valid question, and one that a cautious, thoughtful person who is keenly interested in managing, maintaining, and increasing his or her credit score would ask about a credit bureau. Credit report information is vitally important for everyone to know and review on a regular basis, because this is the information that prospective lenders will review to decide whether to extend credit to you. As for which bureau the credit report should come from, the answer is all three: TransUnion, Experian and Equifax.
However, shouldn't one bureau credit report suffice? Why do I need more than one? Here are some very good reasons why you should rely on more than one bureau credit report:
- Errors could cost you more than money.
If you only check one credit bureau report, you could miss potentially damaging errors on the other two bureaus' reports that could cost you job opportunities and much more.
- Not all companies submit information to all credit bureaus.
This is one of the most important reasons to get credit reports from all three bureaus. Potentially helpful, or damaging, credit information is likely to appear on one, but not all reports. Therefore, it's definitely in your best interests to receive and review all three bureau credit reports.
- Managing your credit is your job.
Your name is on the credit reports, and while there are credit-monitoring companies that will help you, it's your responsibility to stay informed and review all three bureau credit reports regularly.
- One credit bureau credit report doesn't provide a complete picture.
In order to protect your credit scores, you need to proactively manage and be aware of all of your credit activity and spot mistakes before they can hurt your credit. That means obtaining and reviewing each bureau credit report or using a service that provides them to you, making it much easier to stay informed.
With everyone so busy, it's very easy to forget about requesting and obtaining copies of each bureau credit report. Fortunately, FreeScore.com can help you with this.
Read More About Credit Scores
- Your Credit Score: How Your Credit Cards Influence It
- The Relationship between Credit Scores and Age
- Credit Scores vs. FICO VantageScores
- Why Each Credit Bureau Has Its Own Credit Score
- Medical Bills Don't Have to Ruin a Credit Score
- Chapter 7 or 13 Bankruptcy Can Affect Credit Scores
- A Credit Score Estimator Can Be a Valuable Financial Tool
- Ordering Your Credit Score From a Credit Bureau
- What is a Bad Credit Score?
- Factors That Damage Your Credit Score
- Who Has the Right to Check My Credit Score?
- What Is a Good Credit Score?
- Credit Score Myths
- How Credit Scores Are Calculated
- Why You Need to Know All Three Credit Scores
- Store Credit Card Application Could Damage Your Credit Score
- What Are the Three Credit Bureaus?
- How Credit Scores Affect Insurance Premiums
- Student Habits That Kill Your Credit Score
- International Credit Score
- What A Credit Card Balance Does to Credit Scores
- How a HELOC Affects Your Credit Score
- Medical Credit Score
- Your Credit Score May Be Worse Than You Think
- FICO - What is Coming in 2009
- Credit Score Ranges
- Five Parts to Your FICO Credit Score
- How Corporate Cards Affect Your Personal Credit Score
- Who Wants to Know Your Credit Score
- Credit Rating - How Your Credit Gets A Score
- Credit Line and Your Credit Score