Credit Monitoring · Experian® · Equifax® · TransUnion®
All 3 bureaus, side by side. Never blended.
Storehouse pulls each bureau’s report on its own, shows every VantageScore® 3.0 score separately, highlights where the three files disagree and alerts you when something changes.
Checking your own credit in Storehouse is a soft inquiry and doesn’t affect your score. Lenders you apply with may run a hard inquiry. 3-bureau monitoring is on Plus and Elite.
| Item | Experian | Equifax | TransUnion |
|---|---|---|---|
| Score | 712 | 698 | 705 |
| Open accountsDiffers | 9 | 9 | 8 |
| Card ··4821 balance | $2,630 | $2,630 | $2,630 |
| Auto loan ··7731Differs | Current | 30 days late | Current |
| Hard inquiries (2 yrs)Differs | 2 | 3 | 2 |
| CollectionsDiffers | 0 | 1 | 0 |
Scores: VantageScore® 3.0. Each bureau keeps its own file, so the same account can be reported differently.
3 separate reports
Experian, Equifax and TransUnion, each on its own
VantageScore® 3.0
One score per bureau, clearly labelled
Soft inquiry only
Viewing your own credit won’t affect your score
Change alerts
New inquiries, accounts and balance updates
How it works
From sign-up to a clear picture of all three files.
Five steps, and the first one takes a couple of minutes.
- 01
Step 1
Create your account and verify it’s you
Sign up, confirm your identity and tell Storehouse your goals. Verifying identity lets Storehouse request your reports securely.
- Soft inquiry: no score impact
- Your goals shape what Storehouse shows first
Your scoresSample data
712Experian
698Equifax
705TransUnionVantageScore® 3.0 · sample scores
- 02
Step 2
Storehouse pulls each bureau’s report
Your Experian, Equifax and TransUnion reports are pulled separately, so nothing gets averaged away.
- Every account, inquiry and public record
- A VantageScore® 3.0 score per bureau
Sample data3-bureau scanAll 3 reports pulledExperian38 accounts596✓ pulledEquifax36 accounts588✓ pulledTransUnion37 accounts579✓ pulledSoft pull · no impact on your scoreVantageScore® 3.0 - 03
Step 3
See where the files disagree
Accounts, balances, late payments and inquiries are lined up across the three bureaus. Anything that differs is highlighted so you can check it.
- Differences flagged per line
- Plain-English labels, no jargon
Differences found · 4Sample data- Auto loan ··7731Late at Equifax only
- Collections1 at Equifax, 0 elsewhere
- Hard inquiries3 at Equifax, 2 elsewhere
- Open accounts8 at TransUnion, 9 elsewhere
- 04
Step 4
Understand what moves each score
Credit Intelligence breaks each score into the factors behind it (utilization, payment history, inquiries, age of credit) and shows which one matters most right now.
Credit IntelligenceSample data- Credit utilizationHigh impact
- Payment historyStrong
- Hard inquiriesMedium
- Age of creditMedium
- 05
Step 5
Get alerts, then act
When something changes, you get an alert. If an item looks wrong, Storehouse flags it and you decide whether to dispute it in the Dispute Center.
Sample dataAlertsWhat changed on your reports- Equifax score changedToday▲ 9 points since last update
- New hard inquiry · TransUnion2 days agoAuto lender · review if you didn’t apply
- Balance update · Card ··48215 days agoReported balance $2,630 (38% of limit)
- New account opened · Experian1 week agoStore card · confirm it’s yours
Inside the app
Your credit, on the same screen as everything else.
Monitoring sits in your dashboard next to your Funding Score, net worth and the Storehouse Advisor’s next best move.
Pay card ··4821 down to $690 to get under 9% utilization — your biggest Funding Score lift.
- Equifax score up 14 ptsToday
- New inquiry reported · TransUnion3 days ago
Product screens use sample data for illustration.
What you get
Monitoring that tells you what to do next.
Three files, three scores
Each bureau’s report and VantageScore® 3.0 score is shown on its own, so a problem on one file never hides behind an average.
Differences highlighted
An account reported late by one bureau but current at the others? Storehouse lines them up and marks the mismatch.
Credit Intelligence
See which factors hold each score back, from utilization to age of credit, ranked by how much they matter today.
Alerts
Score changes, new inquiries, new accounts and balance updates, so you can spot anything you don’t recognize.
Score history
Track each bureau over time and see which change moved which score.
Straight into disputes
Items that look inaccurate are flagged with a reason. One tap takes you to the Dispute Center to review them.
Progress over time
Watch each bureau respond, month by month.
Every score has its own history line, with the events that moved it marked on the chart: a deleted duplicate, a corrected late payment, a lower card balance.
- History per bureau, not a blended line
- Events tied to score changes
- Summarized in your Monthly Statement PDF
Illustrative sample. Results depend on what is on your report and how each bureau responds; no score change is promised.
Found something wrong?
Storehouse flags possible errors. You decide what to dispute.
When an item looks inaccurate, incomplete or unverifiable, Storehouse tells you why. You choose which items to challenge, then review and approve each letter as your own dispute before it’s mailed.
- ✓ Dispute
Auto loan ··7731
Why flagged: Reported 30 days late in a month your statement shows paid on time
- ✓ Dispute
Medical collection · $412
Why flagged: Same debt appears twice, from two collectors
- Skip
Store card ··2204
Why flagged: Balance doesn’t match the closing statement
Only items you choose are drafted. Accurate items can’t be removed.
FAQ
Frequently asked questions.
Storehouse shows VantageScore® 3.0 credit scores, one per bureau, based on data from Experian, Equifax and TransUnion. They are not FICO® Scores. Lenders may use other scoring models, including FICO® Scores, which can differ from what you see.
No. Viewing your own credit in Storehouse is a soft inquiry, which doesn’t affect your credit score. If you later apply for credit, the lender you apply with may run its own hard inquiry.
Each bureau keeps its own file. Lenders don’t always report to all three, and they report on different days, so balances, accounts and inquiries can differ. That’s why Storehouse shows each bureau separately instead of blending them into one number.
3-bureau credit monitoring is part of Plus (30 days free, then $59.99/mo; card required, cancel before day 30 to pay $0) and Elite. See the pricing page for the full list.
Storehouse alerts you to changes it sees on your reports, such as score changes, new inquiries, new accounts and balance updates, so you can check anything you don’t recognize.
Open the Dispute Center. Storehouse flags items that look inaccurate, incomplete or unverifiable, and you choose which ones to dispute. Only inaccurate information can be corrected or removed; accurate, current information can’t be.
Related
Keep exploring
Dispute Center
Review flagged items and approve your own letters.
Funding Score
A 0–100 lender-readiness score from 6 factors.
Credit Score Estimator
A quick estimate in 6 questions, no account needed.
VantageScore vs FICO
Why your scores differ between apps and lenders.
See all three of your credit files today.
Try Plus with 3-bureau monitoring free for 30 days, then $59.99/mo. Card required; cancel before day 30 to pay $0.
Plus: 30 days free, then $59.99/mo. Today’s total is $0.00. Card required up front. You’ll be charged $59.99/mo when the 30-day trial ends unless you cancel before then. Cancel anytime. New members only. Checking your own credit in Storehouse is a soft inquiry and doesn’t affect your score.