The score will be different among the three credit bureaus – Transunion, Equifax, and Experian because they use different formulas to calculate the score. You have to get only the Transunion report first so you can see what your score was made of, and save the other two reports for later and we want to space each credit report out by 4 months so that you can better track your ongoing payments the in May it will be time to order your next report again. Taking control of your credit is important because it would be more beneficial to get better interest rates on virtually everything when your score is high and you will learn how to get a better score. It also helps to set a budget and have savings and the importance of knowing what is in your credit report is to make it easier for you to obtain a loan.