Your Credit Score Triplets

Ever wondered why your credit score seems to change depending on where you check? It's not magic, it's the three credit bureaus: Equifax, Experian, and TransUnion. These companies are like your financial report card keepers, collecting and storing information about your credit history.

[{"selector":"#anim-6e0bf404-2d39-4133-b1e3-46e46ed58434","keyframes":{"transform":["scale(1)","scale(1.5)","scale(0.95)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] Learn more

Don't worry, you're not alone!

[{"selector":"#anim-7b4c1a74-8450-44bc-8d05-b51d4d23ee5e","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-27bc3a58-0356-4b72-8b68-d737d863e60e","keyframes":{"transform":["translate3d(0px, -100.0434%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Learn more

Don't worry, you're not alone! Many people are surprised to learn there are multiple scores floating around. Each bureau creates its own report based on the information they receive from lenders and creditors. Think of it like having three teachers grading your same test, but maybe focusing on different aspects.

Get your free credit reports

[{"selector":"#anim-5336bb78-28cf-4889-8994-4354e4cb4637","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-53bdcbe4-1411-4a21-9f15-3a7bd5fd71a2","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Learn more

So, what can you do with this knowledge? First, get your free credit report from each bureau annually. You can do this at AnnualCreditReport.com. Second, check for errors and dispute them if needed. Finally, monitor your score regularly, especially before applying for loans or credit cards.