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When you request all three of your credit reports at the same time, you receive a merged credit report. Essentially this provides you information in a side-by-side format to make it easy for you to compare the information provided on each. It also provides you with the information found in each one that goes into determining the credit score each provides. Requesting your own credit report as often as you like is ok, since it does not count as an inquiry on your credit score. In fact, it is recommended that you check your credit report on a regular basis so you can catch fraud or inaccuracies early.