3 Bureau Credit Score

What is a 3 Bureau Credit Score?

The 3 Bureau Credit Score, also known as the 3 in 1 Credit Score or Triple Credit Score, is the composite Credit Score issued by all 3 Credit Score Agencies -- Experian, TransUnion and Equifax.

When you order a Credit Score or report from a TV advertisement or from an Online Credit Score company, you will receive a credit score issued by one of the three national Credit Score Agencies -- Equifax, Experian or TransUnion. However, the Credit Report Score that you get may not give you the most accurate picture of your credit profile. This is because the three Credit Reporting Agencies may use different information in compiling your credit profile and issuing your Credit Scores.

For example, let's say you take advantage of the historically low interest rates and refinance your home mortgage. The pay-off of the original mortgage might be accurately reflected in the Credit Score issued by TransUnion. However, the Credit Bureau Score issued by Experian and Equifax might show the debt as still outstanding. To anyone checking your credit with Experian or Equifax, it would look like you have two mortgages! So, if you were to apply for a car loan or other credit with a merchant using the Equifax or Experian credit score report, your report would likely show a poor credit score and your application would be rejected.

Unfortunately, we do not know which of the Three Credit Reporting Companies will be used by a particular lender to check your credit report. Therefore, it is important to check all 3 Credit Scores when your order your online credit score. These offers usually come with a trial offer for 3 Bureau Credit Report Monitoring - which alerts you to credit inquiries and unusual activity involving your credit.

We recommend that before you order an online credit score, you make sure that you are getting a 3 Bureau Credit Score, Triple Credit Score or 3 Bureau Credit Report Score. Each of these products provides your credit rating information as reported by all three Credit Reporting Companies, so that you have the most accurate information and can fix credit score errors before you are denied a loan or are required to pay a higher interest rate for credit.

Many consumers are pleased with the 3 in 1 Credit Report and Score or 3 Bureau Credit Score issued by FreeScore360, which provides all 3 Credit Reports and Scores issued by the three Credit Bureau Reporting Services - Experian, Equifax and TransUnion. Here is a link to their site:

View Your Credit Scores From TransUnion, Equifax And Experian In Seconds!

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Check Your Credit Score before you apply for a credit card, mortgage or loan. Checking your credit score before negative factors in your credit report can impair your ability to get credit is the first step to ensuring your credit health.

A credit score range above 720 means that you will have access to the widest variety of credit products with the best interest rates. A credit bureau score below 700 means that you will pay a higher interest rate and additional fees to borrow money and increases the likelihood that you will be turned down for credit.

One of the unfortunate results of the financial crisis that began in 2008 is that the credit score rating required to qualify for the best loans has gotten progressively higher, so that credit scores that would have been considered optimal in prior years are no longer sufficient to be considered a good credit risk. So, it is important that you know how to get your credit score so you can improve your credit score and fix errors in your credit report before you are denied credit.

Your credit score information is issued by the three national credit reporting bureaus – Equifax, Experian and TransUnion. When you apply for a loan, your potential creditor will check your credit rating scores issued by one of the 3 credit score companies. Unfortunately, the information contained in the credit report issued by one credit rating bureau may be different from the credit reports issued by the other bureaus. For example, your Experian and TransUnion reports may correctly show a car loan as having been paid, while your Equifax report may erroneously show the auto loan as still outstanding. In this example, your credit rating issued by Equifax would be substantially lower than your Experian and TransUnion scores. If the lender happened to order your credit history from Equifax, you might be turned down for the loan. Or you might be required to pay additional points or borrow at a higher interest rate, costing you hundreds of dollars in additional payments.

It is important that when you order your online credit score, you make sure that you are ordering your credit scores from all 3 credit bureaus. Many consumers are pleased with the 3 bureau credit score issued by CreditScore360, which provides all 3 credit scores issued by the three credit reporting agencies. Many consumers are pleased with the 3 in 1 Credit Report and Score or 3 Bureau Credit Score issued by FreeScore360, which provides all 3 Credit Reports and Scores issued by the three Credit Bureau Reporting Services – Experian, Equifax and TransUnion. Here is a link to their site:
View Your Credit Scores From TransUnion, Equifax And Experian In Seconds!

Here is additional information on How to Check Your Credit Score:



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