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FICO debuts 3-in-1 credit report

By Janna Herron ·
Tuesday, September 17, 2013
Posted: 5 pm ET

Instead of buying three separate credit reports with a FICO credit score, you can now buy them all together and save $5 at But is it worth it?

The consumer education website from FICO, the creator of the most widely used credit score, is offering consumers a glance at their FICO credit scores from Experian, Equifax and TransUnion along with the reports maintained by those three credit bureaus in a consolidated report. The cost? $54.85.

That compares with paying $19.95 for each report and score, or $59.85 in total, separately on the site.

The selling point is that you can see all three credit reports and their corresponding scores together so they can be compared easily, says Anthony Sprauve, myFICO's spokesman.

The downside is the scores you get most likely aren't the same ones lenders pull, a good reason to reconsider paying for the scores and reports. Many lenders use industry-specific FICO credit scores that are designed to predict risk for a certain loan type, such as credit card or auto loans. And some lenders use older generations of the FICO credit score. There are 53 different versions of the FICO credit score in existence.

Here's a cheaper way to get a handle on your credit profile. Pull your free credit report from each credit bureau at Check for any errors that may be corrected in each one. Remember: Some lenders only report to one or two credit bureaus, so the reports may not be identical. But as long as each report is accurate, then your credit score will accurately reflect your creditworthiness.

Would you pay for all three FICO scores and corresponding credit reports?

Follow me on Twitter: @JannaHerron

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Johana Eggleton
March 06, 2014 at 5:39 pm

No way!!! Haha too funny

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