How To Get Your Free 3 in 1 Credit Reports
A free 3 in 1 credit report is now available instantly and online. There are now thousands of websites that claim to give you information about 3 in 1 or merged credit reports. However, we will tell you how to get them for free.
A 3 in 1 credit report contains all the information of your Trans Union, Experian and Equifax credit reports all merged together into one report. This can make viewing your information easier but they tend to be fairly expensive.
Traditional 3 in 1 credit report
Each of the three big credit bureaus, Trans Union, Experian and Equifax offer credit reports from the others. Additionally there are hundreds of other companies that sell the same information, sometimes for even more money than the 3 bureaus.
A lot of people are making a lot of money selling these things and probably won’t like me telling you how to get a free reports from each bureau. For example both Trans Union and Experian charge $34.95 for their 3 in 1 credit reports with a “free†score and Equifax charges $29.95 for a 3 in 1 credit report without score or $39.95 with credit scores. However all three companies have an option of getting their credit reports for free.
How to get your free 3 in 1 credit report
So you are probably wondering how you can get your free 3 in 1 credit report. Well it is not quite as easy as just ordering your 3 in 1 credit report from the companies above, but it is free.
What you have to do is get each credit report individually, which can be done for free. This will mean you will not have a merged report but three separate reports with all the information you would have had in the one report.
To get a your free credit reports you will have to sign-up for a 30 day free trial of the credit monitoring service from each of the three credit bureaus. As long as you cancel each of the services within the first 30 days you will get to keep your credit report for free. (Plus Trans Union and Equifax will give you a free credit score too!)
These services can be a good way to prevent identity theft and offer many benefits but are not required to get your free credit reports. Getting a free 3 in 1 credit report or at least 3 free credit reports has never been easier.
If you are a US resident, just visit each of the sites below to get each of your free credit reports, adding up to a free 3 in 1 credit report (You should bookmark this page for easy access):
The Federal Trade Commission’s Information on Free Annual Credit Reports