Easy [Do-It-Yourself] Tri-Merge Credit Report for Free

Tri-Merge Credit Report

Do I need to get a Tri-Merge credit report?

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.

Get peace of mind. Check all three of your bureau credit scores. Use this credit monitoring free trial to see your free credit score online.

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Last Edited: January 31, 2017 @ 7:17 am
About Philip Taylor

Philip Taylor, aka "PT", is a former practicing CPA, blogger, podcaster, husband, and father of three. PT is also the founder and CEO of FinCon, the conference and community dedicated to helping other financial influencers and brands. He created this website back in 2007 to share his thoughts on money, hold himself accountable, and to meet others passionate about moving toward financial independence.

PT uses Personal Capital to keep track of his financial life. This free software allows him to review his net worth regularly, analyze his investments, and make decisions about his financial future.

PT keeps a portion of his emergency fund in Betterment, the automatic investing tool that makes investing super simple. Betterment focuses on what matters most: savings rate, time in the market, investing costs, and taxes. PT recommends this service to anyone looking to get started investing for themselves.

All the content on this blog is original and created or edited by PT.