Experian, Equifax, Trans Union 3 in 1 Credit Report - Now Instantly Online

Tri-merge credit reports for consumers can now be ordered and viewed online in a minute or less.  Up until recently, only mail delivery was permitted.

A 3 in 1 merged credit report presents the most comprehensive view of an individual's credit because it combines and compares the files of the three nationwide credit reporting agencies. The Experian, Equifax, and Trans Union do not share their credit files with each other, so it is beneficial to see all three, and to be aware of where they differ.

The instant 3-in-1 merged credit report can be ordered here.

Free Credit Report for Credit Watching Consumers

Individuals can now get online access to their credit file with membership in the personal credit monitoring service at 101 Credit Report. For the first 30 days, a trial membership is free. Participants opting to not continue the year-round service will pay nothing.

Credit monitoring helps protect credit because it alerts the consumer to potential fraud and identity theft activity, unauthorized inquiries, and new derogatory information. With the capability to view one's own credit report online, as often as requested, the consumer now has up to the minute information, and the best chance of reacting to events quickly, before more harm is done.

The credit monitoring 30-day trial, with free credit report, can be ordered here.

DMV Links Simplify "Opting Out"

Identification theft and privacy are becoming bigger concerns, so 101 Credit Report has added links to the Department of Motor Vehicles sites for each state, with phones and addresses for the  states not having DMV websites.  A new federal law, the Drivers Protection Act, gives new privacy rights, but consumers may find it necessary to request opting-out of DMV distribution of personal information for other uses, including direct marketing.

Links to this and other personal credit forms, tables, and guides have been added to 101 Credit Report.