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Are their 7-year and 3-year versions of Equifax and Transunion credit reports?
My loan officer told me that the credit report he is able to pull is a 7-year average and that the Equifax and Transition reports I can access are "consumer" versions based on a 3-year average. Is that true? What would be the point of me having access to a different report than potential lenders? Monitoring my report is how I know when to apply for credit. If it is faulty information, then it is of no real practical use to me.
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