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.

Last Edited: October 16, 2016 @ 2:17 pmThe content of ptmoney.com is for general information purposes only and does not constitute professional advice. Visitors to ptmoney.com should not act upon the content or information without first seeking appropriate professional advice. In accordance with the latest FTC guidelines, we declare that we have a financial relationship with every company mentioned on this site.
About Philip Taylor

Philip Taylor, aka "PT", is a CPA, financial writer, FinCon CEO, and husband and father of three. He created PT Money back in 2007 to share his thoughts on money and to meet others passionate about managing their finances. All the content on this blog is original, and created or edited by PT. Read more about Philip Taylor, and be sure to connect with him on Twitter, Facebook, or view the Philip Taylor+ Google profile.