Tri Merge Credit Report
A tri merge credit report, or 3 in 1 credit report is just what it sounds like. It’s a report that combines the information from the three major credit reporting agencies, and presents it in one easy to consume report.
The three major bureaus all report different information. Some may be more accurate than others. They get their information from different methods. Therefore, what is on one report may not be on another.
For these reasons, it’s important to understand what is on each of the three reports. A tri-merge report combines all that information into one report so that you don’t have to pull all three reports and combine the information yourself.
Tri-merge credit reports are often used by landlords when evaluating potential renters, or by lenders when considering a loan. If you are evaluating someone’s credit, remember to get their permission.
Get a Free Tri Merge Credit Report
I don’t know that there is a place where you can get a tri-merge credit report for free. However, I do know that you can create your own tri-merge report for free. Just visit AnnualCreditReport.com and request all three of your credit reports: TransUnion, Equifax, and Experian.
Then take your reports and consolidate the information. Any information missing on one of the reports you might want to report to them, if it’s something that might improve your credit score.
Tri Merge Credit Report with Scores
For those not in the do-it-yourself crowd, there are credit score companies who will take your credit report information and combine it into one report for you. They will also give you a credit score. They, of course, charge a small fee for this service. However, there are some notable places to get a tri-merge credit report with scores. One of the most notable right now is with IDENTITY GUARD®. I really like IDENTITY GUARD® due to the length of the free trial that you get (30 days) and for how much you actually get with the offer: 3 scores, a 3-in-1 report, and all multiple credit file protection services.
Photo by Irene2005
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