When people talk about getting their “three credit reports,” they’re referring to those from Equifax, Experian and TransUnion. Although the so-called “big three” credit bureaus are among dozens of consumer reporting agencies, they dominate the market. They compile information on your credit accounts, how promptly you pay, what you owe, legal decisions, and much more.
The content in each of these reports is pretty much the same, but they’re formatted a bit differently. In addition, sometimes certain accounts may only be reported to one bureau, or reported at different times. It’s good to check each of them at least once a year to make sure there are no errors, but for everyday use we recommend checking one consistently.