Consumers can go online to get a 3 bureau credit report instantly online, upon verification of identity. The 3 bureau credit report, also known as a "tri-merge" credit report provides an easy-to-read, side-by-side comparison of all three of your credit reports from all three credit bureaus: Experian, TransUnion, and Equifax.
Why is it so important to review your 3 Bureau Credit Report? It is important to make sure all three of your credit reports are correct because when you apply for credit, you never know which of the three credit reporting agencies your lender will be using. In addition, you also can't be sure which credit bureau is reporting information on you from your separate credit accounts.
. That is why it is so vital to check your 3 Bureau Credit Report. If you do discover information on any one of your credit reports that indicates you may have become a victim of identity theft, you have the right under law to place a fraud alert on your credit report. You can do this by calling any one of the three major credit bureaus, and the bureau you call is required to inform the other two