📋 The 3 Credit Bureaus

Experian, Equifax, TransUnion

Each Credit Reporting Agency (CRA) holds slightly different reports of your activity and payment history.

Why This Matters:

• When applying for credit, every bank will not check each CRA
• You'll want to know which bureau each bank checks
• Monitor all three for accuracy and disputes
• Each may have different information about you

How to Monitor:

• AnnualCreditReport.com - Free reports once per year
• IdentityIQ - All 3 bureaus monthly ($1 trial)
• Credit Karma - Free TransUnion & Equifax