Yeah you would need to pull the other 2. Sometimes they report it to all 3 and sometimes they only report it to one. In my case it was only one. It only looks bad when other companies pull your credit. You can look it over as many times as you want....of course be prepared to pay $15 each time after your free one (I think that's how much it is). True Credit
Online Personal Credit Reports & Credit Scores - TrueCredit offers the service where you can see all 3 credit reports and you can update the info as much as you want for $14.95 a month...it also gives you your credit score. There's no fee to cancel either. After that collection showed up for a 2nd time I signed up for this service. I watch it for a couple of months then cancel it then a lil further down the road I pick it back up again just to check.