Where To Get The Most Accurate Credit Report?

You can get the most accurate credit report from the three major credit bureaus: Equifax, Experian, and TransUnion. These credit bureaus collect and maintain credit information on most U.S. consumers. The Fair Credit Reporting Act entitles you to one free credit report from each bureau every 12 months through AnnualCreditReport.com.

For mortgage lending purposes, lenders typically use a tri-merge credit report that combines information from all three bureaus. This comprehensive report gives the most complete picture of your credit history.

Some key considerations when getting your credit report:

• Check all three bureaus as information may vary between them
• Review for errors that could affect your mortgage application
• Monitor your credit report regularly before applying for a mortgage