Yes, all three actually. Problem is--they don't report on any of my spouse's reports even though we have a shared contract and are joint-financing.
A 3 bureau credit report, refers to a credit report that contains all the credit scores of an individual, from the leading three credit bureau companies.
Yes
Your credit card company will report you to one of the three credit agencies, Experian credit bureau, Equifax credit bureau, and TransUnion credit bureau.
Many smaller companies inquire into credit, but they do not report credit on a monthly basis. On a single-bureau credit report, you'll see the companies that have made a credit inquiry using that particular credit bureau: Experian, Equifax, or Trans Union. (A 3 bureau merged credit report is more appropriate if you want to see companies who have inquired into your credit from all three credit bureaus.)
You are legally entitled to three credit report per year from each credit bureau.
You can get your credit report score by requesting it from one of the three major credit bureaus: Equifax, Experian, or TransUnion. You are entitled to one free credit report from each bureau every year, which you can request online, by phone, or by mail.
Equifax is considered the main Credit Bureau and most widely used by loan companies, but it's also a good idea to get your report from all three companies because they may include different information - as they do not report to each other. Also, if you're married, each spouse should order a copy of their own report - if there is a mistake on one spouse's report it is likely to be on both. Equifax is the most popular credit bureau (main credit bureau).
Three nationally recognized credit bureaus are TransUnion, Equifax, and Experian. Not every mark on a credit report will show up in all three bureaus. Occasionally, companies only report to one bureau.
You can obtain your FICO credit report by visiting the website of one of the three major credit bureaus - Equifax, Experian, or TransUnion. You are entitled to one free credit report from each bureau every year, which you can request online or by phone.
A free credit bureau report can be requested from TransUnion, Experian and Equifax annually by applying online at AnnualCreditReport for United States citizens, as well as visiting any of the three credit bureau agencies' official websites. It is important to regularly check one's credit rating as to detect mistakes early that would prevent extention of credit to one in the future.
Credit scores can increase or decrease monthly depending on when your creditors report items on your credit report. Typically creditors only report items to the credit bureau every two to three months, but if you make a late payment of 30 days or more delinquent they report monthly.
To remove incorrect negative items from your credit report that are not yours, you should first obtain a copy of your credit report from all three major credit bureaus (Equifax, Experian, TransUnion). Then, file a dispute with each credit bureau providing evidence that the negative item is inaccurate and not yours. The credit bureau will investigate your dispute and remove the item if it is indeed incorrect.