Where can you find your 3 Credit Score reports?

Not every credit score is the same. There are three major credit reporting bureaus. Financial experts often advise consumers to request all 3 Credit Score reports.

Why request all 3 Credit Score Reports? While all 3 Credit Score Reports may contain similar information, sometimes the information in each report can differ. Some credit card companies and lenders only report information on their consumers to one of the three credit reporting bureaus. From time to time, the credit reporting bureaus make mistakes. It could be something as simple as having the wrong contact information regarding a debt that's already been paid off. Each credit reporting bureau has a dispute procedure consumers can follow to remove inaccurate information from their credit report. Generally, each bureau has 30 days to respond to a consumer's dispute, unless they deem it a frivolous dispute.

Erroneous information can cause problems for consumers who may want to buy a car or apply for a home mortgage. Reviewing your credit report and resolving any issues could help alleviate potential problems you may experience with lenders.

For consumers who want to clean up their credit, requesting their 3 Credit Score Reports is the first step to getting on the path of financial recovery. Having too much debt could affect a consumer's ability to get approved for a credit card, auto loan or home mortgage loan.

When a lender requests a consumer's credit report to evaluate their credit worthiness, they look at the consumer's credit score. The credit score is based on the consumer's payment history, number of open accounts and debt to income ratio. Too many late/ delinquent payments can lower a score and so can applying for too many credit cards in a short period of time.

Consumers can request their credit report from each of the three major credit reporting bureaus – Experian, TransUnion, and Equifax – through annualcreditreport.com. Consumers can also contact each of the credit bureaus individually.

If you want more information on how to obtain a copy of your 3 Credit Score Reports, contact one of the three major credit reporting bureaus. For more information on debt related issues, contact NCO Financial Systems, Inc. Contact information can be found here on the consumer help unit website.

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