The three major credit bureaus are Equifax, Experian and TransUnion. Each of them will issue a credit score to consumers. Credit data varies among the bureaus. Their data is based on proprietary information that is used to generate credit scores. To keep a level playing field, banks, credit card issuers and most lending institutions will utilize a consumer's middle credit score. The middle credit score is used to represent the average credit score from the major credit bureaus.
Conduct a search online for Equifax.
Contact Equifax to request a copy of your credit report and credit score.
Conduct a search online for Experian.
Contact Experian to request a copy of your credit report and credit score.
Conduct a search online for TransUnion.
Contact Transunion to request a copy of your credit report and credit score.
Determine your middle credit score.
Review your credit reports and credit scores that you received from all three credit bureaus. To determine your middle credit score, write down your credit scores in order form, from lowest to highest. The credit score in the center, is your middle credit score. For instance, a consumer that received the following credit scores of 675 from Equifax, 700 from Experian and 760 from Transunion would have a middle credit score equal to 700.
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