Is the Equifax 3 in 1 Credit Report Right for You?

equifax3in1
Equifax 3 in 1 Credit Report

Each credit bureau offers credit monitoring plans to help you manage your credit and take measures to guard against aggravated identity theft. However, many of these service only offer credit history data for the service that offers the plan. For truly thorough and accurate knowledge of your credit report, you need your reports from all three agencies. You also need to know your true FICO score. credit score

The Equifax credit reporting agency provides a 3 in 1 credit report to consumers. Each credit report from each agency, along with a line-by-line comparison of similar data in each report, is provided for purchase from the Equifax website. The Equifax 3 in 1 Credit Report also includes the actual FICO score. This option is an excellent choice for consumers who are attempting to build their credit for a mortgage or an auto loan. When you simply need a snapshot of all three credit bureau reports, the 3 in 1 Credit Report with FICO Score is a great option.

The Equifax 3 in 1 Credit Report with FICO Score

When a consumer purchases the Equifax 3 in 1 Credit Report with FICO Score, the consumer is provided with access all three reports online from anywhere. The actual Equifax FICO score is provided, along with access to the customer’s three credit reports. A dispute feature allows you to initiate a challenge to an errant entry. Dispute an entry right from the Equifax site.

Subscribers also receive special customer support for the plan. Customer support representatives are available 24 hours a day, seven days a week. For questions about the site or other issues, you can call and speak with a representative anytime.

Pros and Cons of the Equifax 3 in 1 Credit Report with FICO Score

Pros

The Pros of the 3 in 1 Equifax offer is that you get an immediate snapshot of your credit reports from all three agencies. You also get an actual FICO score. Many credit reporting services provide scores other than the actual FICO score. With the 3 in 1 Credit Report, consumers receive the true FICO score based on Equifax credit history.

Cons

The Cons of the 3 in 1 Equifax offer is that you only get the reports and FICO score one time. Equifax provides subscription offers for credit monitoring plans, but the 3 in 1 report is a one-time charge for a one-time delivery. For a credit monitoring service that will provide you with information on a regular basis, purchase a subscription plan or utilize one of the free monitoring services.

Two free services provide free credit scores to provide consumers with an overall idea about their credit rating. CreditKarma.com and Quizzle.com offer estimates of the credit score. WalletHub recently became the first and only website to offer free credit scores and full credit reports that are updated on a daily basis.  These sites also offer resources for improving the credit rating based on the individual’s report. However, when preparing to apply for a large loan or mortgage, you will likely want to know your true FICO score and every detail of all three of your credit reports. The Equifax 3 in 1 Credit Report with FICO Score is the perfect choice.