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I'm faced with taking out a major loan. As a first step, the loan officer at a local bank said that I should get my credit report on-line from the Big Three credit bureaus: Equifax, Experian, and TransUnion. By federal law, I am entitled to get my credit report free from each of the Big Three. For the free reports, the three bureaus sent me to a central Website, annualcreditreport.com. Apparently - I haven't actually done it yet - I can get my credit report from each of the three bureaus all at once, or just get my report from one now, and do the other two at some other time.
Are there any differences among the Big Three credit bureaus? If I got my report from, say Equifax, would it have exactly the same information as the one from TransUnion? Or would there be some information that one has but which the other didn't get? Is one bureau stricter than another in its ratings? Is there a difference in customer service? Should I be aware of any tricks they might try to pull?
This is all new to me. Any information on the Big Three would be appreciated. Thanks in advance.
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