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Why are my FICO® Scores different for the 3 credit bureaus? In the U.S., there are three national credit bureaus (Equifax, Experian and TransUnion) that. You can request a free copy of your credit report from each of three major credit reporting agencies – Equifax®, Experian®, and TransUnion® – once each year at. If your bank, credit card issuer, auto lender or mortgage servicer participates in FICO ® Score Open Access, you can see your FICO ® Scores, along with the top.