How to Get All 3 Credit Reports & Scores

Regularly checking all three of your credit reports and scores enables you to manage your finances more accurately. Each credit report may be slightly different, as lenders choose the credit reference bureaus they report to. Checking your credit report and scores will highlight areas where your score could be improved. You can also correct any errors that may be having a negative effect on your score. To get your reports and scores combined, you'll need to pay a fee.

Instructions

1

Apply online. It's a fast and simple way to get your three credit reports and scores. The three credit reporting bureaus are Experian, Equifax and TransUnion. Reports and scores can be viewed online once you have completed the application process.

2

To get your three credit reports and scores from TransUnion, go to its website (see Resources). Click for the 30-day free trial. The monthly payment following the trial is $14.95. Complete the application form carefully and click "Submit." Follow the online directions. Provide your payment details. Your identity will be verified. Click "Submit." Review your application and click "Continue." Your log-in details will be given and you will need to set a password. You can now access your three reports online.

3

To use Equifax to get your three credit reports and scores, go to its website (see Resources). Click "Get Started." The first month's reports and scores are $4.95. Subsequent monthly reports are $14.95. Equifax also provides you with your FICO score, which most lenders use to assess your suitability for credit. Complete the application form carefully. Click "Continue." Online instructions will guide you through the process. Enter your payment details. Click "Continue." Your identity will be verified. Review your application. Click "Continue." Log-in details will be given. Provide a password. Click to view your reports online.

4

Go to Experian's website (see Resources) to get your three reports and credit scores. You get seven days' trial membership for $1, then it's $14.95 per month. Click "Get Your $1 Credit Report & Score." Complete the form. Click "Submit & Continue." Follow the online instructions. Enter your payment details. Click "Continue." Your identity will be verified. Review your details and click "Continue." Follow the log-in directions and provide a password. Your report from Experian can be viewed within 48 hours. It can take three days to access your other two reports.