Your credit report is a record of your credit history. It includes your credit accounts, such as mortgages, auto loans and credit cards.

Your credit report also provides information about your payment history, work history, addresses and the number of credit inquiries and by whom. The credit reporting bureaus are organizations that keep track of your credit history. There are three major credit bureaus in the United States: Equifax^®, Experian^®, and TransUnion^®.

If you want to stay on top of your credit, you can get a one-bureau credit report. You also can get three-bureau credit reports. This is a tri-merge credit report.

What is a Tri-Merge Credit Report?

A tri-merge credit report is a report that includes information from all three of these major credit reporting agencies. This type of credit report gives you a more complete picture of your consumer credit report profile than a single-agency credit report, as the bureaus may differ in how they report your credit history.

Lenders can use the information in a tri-merge credit report to decide whether to approve you for a loan or credit card and what interest rate to charge you. Landlords can also use it to decide whether to approve you for a lease and by employers deciding whether to hire you.

If you have a high credit score, you can likely be offered a lower interest rate on your loan. If you have a poor credit score, you may not qualify for financing.

You can positively impact your credit score by paying your bills on time, maintaining a good credit history, keeping your credit card balances low and using a credit monitoring service. MyScoreIQ plans offer real-time credit monitoring and fraud alerts.

When you apply for a loan, lenders can look at your 3-bureau credit report, but they also consider other factors such as your income, employment history and debts. Your credit score is a number that is calculated based on the information in your credit report.

For example, on a tri-merge report through MyScoreIQ services, the lender can see your FICO^® Score as rated by each bureau.

What Does a Tri-Merged Credit Report Include?

When you order a tri-merged credit report, you can receive information from all the major credit reporting bureaus.

While a single-agency report can include your personal information, credit history and any public records associated with your name, a tri-merge report provides the combined information reported to each individual agency.

A tri-merged credit report is an important tool that can be used to help you understand your credit history and make informed decisions about your financial future. This report can help you get approved for a loan, qualify for a mortgage or even get a job.

Some creditors may only report to a specific bureau, so it is important to see what each agency is reporting.

Where Do You Get a Tri-Merged Credit Report?

If you need to order a tri-merged credit report, you can do so through MyScoreIQ services. Once you have your report, review it carefully to make sure all the information is accurate.

Do You Need a Tri-Merged Credit Report?

This report, sometimes called a tri-bureau report, a three-in-one credit report or three-bureau credit report is commonly used by lenders to determine your creditworthiness.