Yahoo! Answers*

Question:

Credit Reports?

I viewed my free credit report online from Experian. I know I can still request a free credit report from the other 2 companies this year also (TransUnion and Equifax), but would prefer to space them out throughout the year to view changes and updates. My question is will there be a difference in the reports? I know the 3 may give me a different credit score, but will all my accounts with the amounts I owe be consistent? Thanks.

Answers:

1) YES a big diffrence some collection agencies only report to one or two of them! You have to look at all three at one time ....

2) I had a 50 pt difference between scores recently, so you need to check all three - at least your first time around. Once you see them all and if the scores and reports are similar, you can just check 1 at a time and spread them out over the year. Did you use annualcreditreport.com? that's the free site sanctioned by the gov. Others are copycats and often times not free. You should buy your scores as well as you want to see how lenders see you. They talk to you in terms of scores [usually] first.

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