When it comes to personal credit in the United States, there are three companies that make up the credit reporting bureaus: Equifax, Experian, and Transunion. These three companies issue scores based on your credit information. Now, I will not go into the details on each company, but your score with each company will be different. This has to do with the differences in the information about you that is reported to each bureau.
I recommend obtaining a complete copy of your credit report from all three bureaus once a year. The best place to go is www.annualcreditreport.com which was established by the credit reporting companies in accordance with the Fair and Accurate Credit Transactions Act or FACT Act. Here is a tip! Since the information reported to each credit bureau is similar, request one free report every four months. That way you are spreading it out over the year and more likely to catch any discrepancies quicker.
Check out my Credit Score Power eTips which is a list of specific actions I have used to help hundreds of people increase their credit score immediately and for the long term!
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