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Thanks to the Internet, the 3-in-1 credit report is possible instantaneously. This allows you to work with one credit reporting bureau and pay a fee to have access to all three reports at one time. This makes it easy for you to monitor all three for inaccuracies. It can also help you watch out for fraud. If something seems odd on one report, it may be that you have become the victim of identity theft. Since many lenders check a 3-in-1 credit report when you apply for credit, it is a good idea to watch all three and fix problems immediately.