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Can I send internet-generated reports, in-file reports, merged reports, reports from lenders, or tri-bureaus instead of three individual credit reports mailed to me from each bureau?

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Can I send internet-generated reports, in-file reports, merged reports, reports from lenders, or tri-bureaus instead of three individual credit reports mailed to me from each bureau?

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No. Some companies try to sell you a merged credit report that contains most of the information from all three credit reporting agencies. Not only are these reports more expensive, but they are inaccurate and incomplete for our purposes. Over time, experience has shown that it is in your best interest to purchase your credit reports through the mail from each credit reporting agency directly. If it is more convenient, we can order your credit reports for you. We will order reports for you at no charge, if possible.

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