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3-Bureau Credit Reports

A 3-bureau credit report includes one's complete credit information from all three major U.S. credit bureaus (Experian, Equifax, and TransUnion). A credit report and score can be different between bureaus, because creditors can choose which bureaus they report to. If a creditor reports to only one or two bureaus, the remaining bureau(s) will not have access to that information. It's important to check your credit report with all three bureaus, because creditors can check all three bureaus. By checking all three, you can be certain to know exactly what they will see.