TransUnion

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, the inquiry that is recorded will not adversely affect your credit standing.
  

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