See Your 3 Credit Reports & FICO® Scores for just $1*.

While your bank or credit card might show a credit score, it typically only pulls from one bureau and often just a VantageScore, which isn’t what most lenders use. Real lenders, especially for mortgages, auto loans, or business funding, look at all three major credit bureaus: Experian, TransUnion, and Equifax. Each bureau may have different information reported to them, which means your scores can vary across the three.

Using all three bureaus gives you the full picture of your credit health. It ensures you're not blindsided by errors or negative accounts that might appear on one report but not the others. Relying on just one source can lead to inaccurate assumptions and missed opportunities to improve your credit before applying for something important.

Simply put: if lenders see all three, you should too.