A 3 in 1 credit report is a little known resource that has slipped the minds of too many people. While most people know that they can legally get a free copy of their credit report every year, very few realize that this includes three different copies of their credit report, technically. This is because there are three different agencies that create credit reports, and everyone is entitled to one copy of each per year.
In today's world, changes can occur to your credit report at any moment on any given day. You can even be the victim of fraud and not even know it until months or years after the fact. This is why everyone needs to go a step beyond just checking a copy of their credit report once a year as allowed by law.
The only way to catch mistakes and inaccurate information that may hit your report is to watch all three of your credit reports on a regular basis. This will allow you to fix problems that occur within days or weeks, rather then once a year.
It all comes down to which businesses you have dealt with in the past and their policies on submitting information to the three credit agencies. Most these days will report equally to all three agencies, but many only report to one or two for various reasons.
When you have conflicting or differing information on different reports, the only way to get the complete picture of your credit history is to look at them all three together.
Also, since each credit agency is run by humans who make mistakes, there could be inaccurate information on one report that is accurate on the others. These things need to be disputed and fixed right away so your information is up to date and correct.
This is essentially what a 3 in 1 credit report allows you to do. This document will take all of the information from all three of your valid credit reports and condense them all into one big report. This means you have one comprehensive resource with all of your credit information in one convenient location.
All that changes with this type of report is the amount of time it takes you to check over your reports. You can still correct mistakes, challenge and dispute wrong information, and manage all three of your reports. You just do it at once so it is a more efficient process.
When you utilize a 3 in 1 credit report you will also be better equipped to catch any problems that may creep up with your information.
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