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Are you stumped by the various credit report offers out there? There’s credit fileoffers where you can obtain your information from one credit bureau. Other offers allow you to see your credit score from all 3 credit bureaus. TransUnion, Equifax, and Experian. This is crucial because the data contained in one credit bureau report may not match with what’s on the others. Also, various lenders may choose to view one or more of your credit files. So it makes sense to get the most complete report. And most offers do not provide a free FICO report. You only get to view what’s on your regular credit scores. But a FICO report is not the same as your normal credit scores. It uses different set of algorithms for producing your FICO score. Most lenders utilize the FICO report to determine your creditworthiness. Therefore it may be prudentto obtain your FICO report before applying for a auto loan. Another feature that these offers provide is identity theft monitoring. With some offers you only get the bare minimum while others provide proactive credit monitoring prevention. These are some of the reasons why it makes sense to make comparisons between the features of these offers. A great site for free credit reports services where a comprehensive credit report comparison chart exists is a good start.. A blog about credit reports may also be helpful.