Credit Report Questions
I have not obtained a credit report since my discharge nearly two years ago. I understand that there are three major credit bureaus: Equifax, TransUnion, and Experian. Should I obtain a credit report from all three bureaus if I want to check for accurate information on them? (Do they ever share information?) I am considering obtaining one of those "all-in-one" reports from one of the bureaus. But I wonder if it would be the same as buying three separate reports. Would the "all-in-one" be as up-to-date as individual reports? What are the other credit bureaus that collect information or do I need to even be concerned about them
Answer:
Yes. You should be reviewing your credit report. Also, this is a very helpful forum...check it out: http://consumers.creditnet.com/straighttalk/board/ Good advice. Also, order each report separately from each bureau. The 3 in 1 are often not up to date. DO NOT order a report through a 3rd party site; it will appear as a hard pull and for some stupid reasons lowers scores.
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