Questions - 3 Bureau Credit Reports 
Q. Why check all three credit
bureaus?
A. It is important to check all three because each credit
bureau may have slightly different information about you.
Q. What else is in my 3-Bureau
Credit Reports report?
A. Your Credit Report includes credit information reported
to all three national credit bureaus, including your payment history,
your creditor account balances and your collections. Your report
may also includes public record information reported such as suits
and judgments. Your report will also include addresses for most
of your creditors. Your credit score is not part of your credit
report, but it may be ordered as an option.
Q. Can my report be faxed
or emailed to me?
A. Credit reports cannot be faxed to you because there is
no way for us to verify who is on the other end of the fax machine
when we are sending the report. Credit reports cannot be emailed
to you because email is generally not secure. However, you may elect
our Online Delivery where you receive your report while connected
to our secure server using SSL encryption supported by your browser. After you receive your report online, it will be available for viewing for 60 days.
Q. Can I order a report
for another person or my spouse?
A. No, not on this web site. You may only order your own report.
Your spouse must order their own report. Under federal laws,
any person who knowingly and willfully obtains information on a consumer
from a Credit Reporting Agency under false pretenses (for example,
getting a credit report on an individual without his/her permission)
shall be fined under Title 18 United States Code, or imprisoned for
not more than 2 years or both.
Q. If I am married, does
my 3-Bureau Credit Reports report
cover my spouse?
A. The report will show all the individual and joint credit
reported under the name requested. It will not show the individual
credit reported under the spouses' name. To see all the credit
reported under both names, it is necessary to order two separate
credit reports.
Q. I just married and
changed my name, what name should I use to order my report?
A. Use your current name unless your credit is still in your
unmarried name. Normally credit bureaus will link your names together
and report your credit under either your married or unmarried name.
However, if all your credit is in your unmarried name, the credit
bureaus may not know of your marriage and new name. To some degree
credit bureaus depend on the creditors who report credit information
to them, to update your new name and address. That only happens as
you get credit in your new name or contact your old creditors about
your name change.
Q. I don't have a credit
card. Can I still purchase a credit report?
A. Currently we only accept credit card payments and debit cards
for payment of our 3 bureau report online.
Q. How do I dispute inaccuracies
on my credit report?
A. To request an investigation into information you don't
believe is accurate on your 3 bureau credit report, you may call
our customer service, or you may write directly to the credit reporting
bureau that supplied the information. A credit bureau has 30 days
to investigate disputes regarding possible inaccuracies on credit
reports. The credit bureaus must then give you the results in writing.
Q. Isn't everyone entitled
to one free credit report annually?
A. Based on the Fair Credit Reporting Act, sections 612 (b),
(c), and (d), you have the right to a free credit report from Credit
Report Agencies if (paraphrased) you:
- are the recipient of an adverse action (for example, denial of credit) due to information contained in the Consumer Report;
- are unemployed;
- are a receipient of public welfare assistance;
- have inaccuracies in your Credit Report due to fraud
For more information, please see the Fair Credit Reporting Act
Under a new Federal law called FACTA or the The FACT Act, all US residents are entitled to one free credit report a year from each of the three credit bureaus. More information is available at AnnualCreditReport.com.
Consumers residing in the States of Massachusetts, Maryland, Colorado, New Jersey, and Vermont may also receive a free copy of their credit report once per year and residents of the State of Georgia may receive two (2) copies per year.
Q. Will Receiving my 3-bureau
credit report appear as an inquiry on my credit report?
A. Anytime your credit report is pulled - including
when you order a copy of your credit report directly from the credit
bureau - an inquiry is added to your credit file. Only some of those
inquiries appear to creditors and therefore impact your credit rating.
Inquiries that were made when you applied for credit cards or loans
will be shown to creditors. Inquiries added when you request a copy
of your own credit report or when an employer checks your credit
report do not appear to creditors. 3bureaucreditreports.com is pulling
your credit report on your behalf, so the inquiry on your credit
report will not be shown to creditors and will not affect the calculation
of your credit score.
Get
your 3 bureau
credit report and scores
including
information from all three national credit bureaus
(Equifax, Experian, and TransUnion)