| Do you want to gamble? Do you like to gamble? How | | | | TO DATE |
| about placing your credit on the line? | | | | The most critical reason for ordering all 3 reports is to |
| Of course not! By definition, gambling is when you | | | | verify that all the data provided is accurate. Incorrect |
| wager something of value on an event of uncertain | | | | data is all too common and can negatively affect your |
| outcome. The outcome is uncontrollable. These are not | | | | credit score. Every time you apply for credit and |
| the attributes you are looking for in the most vital - | | | | provide your name, address, date of birth, and other |
| leveraging financial tool available. | | | | personal information, the creditor reports it to credit |
| Do not gamble with your credit! | | | | bureaus. It could have been a typo on your application |
| Draw a perfect 21 on every hand by pulling your credit | | | | or even an error in your creditor's database. What |
| score from the top 3 credit bureaus Equifax, Experian, | | | | ever the reason, this in itself can improve your credit |
| and TransUnion. Along with the right education from | | | | scores and save you money. |
| eCredit College, the first step of ordering your 3 | | | | 4. DISCOVER, PREVENT, AND SAFEGUARD |
| scores will ensure a bright future of good credit and | | | | IDENTITY THEFT |
| safety. The 3 Merge Credit Report will provide you | | | | Ordering all 3 reports will enable you to first discover |
| with a complete view of your Credit position which will | | | | and secondly prevent identity theft. There are wicked |
| include your: Personal Profile, Credit Summary, Public | | | | thieves out there that can steal your identity to either |
| Records, Credit Inquires, Account History, Credit Score, | | | | purchase goods, services, obtain loans, and many |
| and a Creditor Directory with contact information. | | | | other of crimes. Your identity is important, keep it. |
| This 3 credit score report is actually very cheap and | | | | These malicious people are out there lurking 25 hours |
| can be obtained instantly. The benefits of obtaining the | | | | a day. (Not a typo) That is right 25 hours a day, they |
| 3 credit score report also known as 3 Merge Credit | | | | do not sleep. By pulling all 3 reports you can see if |
| Report, Tri-Merge credit report, or the 3 in 1 credit | | | | there is a date of birth, an address, or even a |
| report are priceless. Hear are the 5 reason why you | | | | telephone number on the report that is not yours. This |
| can not afford to gamble your credit and need to | | | | might be a good indication that someone attempted to |
| order your 3 in 1 credit report RIGHT NOW! | | | | apply for credit and you are fortunate enough to stop |
| 1. VIEW THE WHOLE PICTURE | | | | it before it actually occurred. Make sure to report your |
| Do you go around making the most important | | | | finding immediately. The second scenario would be that |
| decisions in life with limited information? Buy a car | | | | they already breached your credit and have opened |
| without a mechanic look under the hood? Purchase | | | | new accounts or used funds from existing accounts. |
| the first child seat without researching the options and | | | | By pulling all three reports, you are able to identify this |
| features? | | | | activity before it grows any further and therefore |
| You get the point, look under the hood! To make | | | | safeguarding your score. At this point it is common to |
| necessary decisions and improvement in life, you need | | | | place an alert or temporary freeze to prevent any |
| to look at the entire picture. The 3 credit score report | | | | further activity. |
| provides all your financial and credit history information | | | | Key note: make sure your personal identification |
| into one picture for your viewing pleasure. Enjoy the | | | | information is always up to date so you may be |
| picture. | | | | contacted in case of an alert issue and to deter any |
| 2. NOT ALL CREDIT BUREAUS WERE CREATED | | | | unwanted activities. (Make sure you protect your credit |
| EQUAL | | | | with monitoring services) Your personal profile |
| First, it is important to understand that all credit bureaus | | | | information section contains all identifying data that has |
| also known as credit reporting agencies are | | | | been reported by your creditors, including your name, |
| independent of each other and are for profit | | | | date of birth, current and previous addresses, and last |
| corporations. Most creditors (credit card companies, | | | | and previous reported employer. |
| banks, utility companies, etc) do not necessarily report | | | | 5. REPAIR AND IMPROVE YOUR CREDIT SCORE |
| to all 3 Credit reporting Agencies (CRAs). For example, | | | | Finally the last and most exciting aspect of pulling your |
| there may be one transaction in Equifax that will not | | | | 3 Merge Score Report, repairing and improving your |
| show on your Experian or TransUnion report and vice | | | | score. We all want a better credit score. Better score, |
| versa. Inconsistent data between the 3 Credit Bureaus | | | | Better life. Whether you have 540 or 820, we are all |
| can cause the score to vary 50 or more points | | | | thriving to improve our score whether it is to purchase |
| between each agencies score. The difference in the | | | | your textbooks for college, buy the home you always |
| score can also be contributed to the fact that each | | | | wanted near the beach, or simply fund that exciting life |
| have there unique methods to derive a score. | | | | changing trip to Asia. We all have our needs and |
| Therefore, by ordering your tri-merge credit report you | | | | wants. Let your imagination run wild with the power of |
| will have the first tool necessary to analyze your entire | | | | credit. By viewing all the reports you are able to |
| credit position and take necessary actions. Creditors | | | | compare accounts, status, outstanding balances, |
| are pulling the 3 merge report so it is in your best | | | | available balances, and comments to effectively use |
| interest to correct all account information (trade lines) | | | | this information to benefit your score. You can read |
| and insure all data is correct so your one step ahead | | | | more details in our "improve your credit" section at |
| of your competition, the General Public. With it, your | | | | eCredit College website along with a list of companies |
| credit repair and credit score improvement will be a | | | | that can assist in repairing and improving your credit. |
| safe bet with a guaranteed outcome as you follow | | | | Here are a few easy tips to follow from our website: |
| our advice and tips.. | | | | look for discrepancies amongst your accounts and |
| Mortgage Industry lingo: Has a lender ever asked, do | | | | contact the bureau or bureaus that are reporting the |
| you know your credit score? When applying for a | | | | incorrect information, dispute any negative comments |
| mortgage, the lender can not afford to only see one | | | | or late payments that are not yours, keep your |
| score either so they pull a 3 Merge Credit Report and | | | | outstanding balances as close to zero as possible but |
| will usually use your middle score for there underwriting | | | | definitely under 75% of your total credit line, and use |
| purposes. So the question should be answered, "My | | | | the unique information in each report towards your |
| middle score is a 750 so I should be receiving the best | | | | advantage. Get creative, I know you can. |
| terms in the market". Just to clarify, they use the score | | | | Most notably, do not spend more than you can afford. |
| that is in the middle, not an average of all three. Ex. | | | | Stop Moving Debt Around. Pay it off with Debt Goal. |
| 772, 750, 720 Middle score is 750. | | | | Credit can be hazardous if not used wisely. |
| 3. VERIFY INFORMATION IS ACCURATE AND UP | | | | |