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A 3-bureau credit reports includes one's complete credit information from all three US credit bureaus. These are Experian, Equifax, and TransUnion. A single bureau report contains only information from one of those three bureaus. A credit report and score can be different between bureaus because creditors can choose which bureaus they report to. If a creditor reports to only one or two bureaus, the remaining bureau(s) will not have access to that information. It's important to check your credit report with all three bureaus since a creditor can check all three bureaus. By checking all three, you can certain to know exactly what they will see.

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