My vote is for the Equifax report they send in snail mail. Very easy to read, clear, and flows logically. I like the tradeline section. The information is displayed with all the info going across under the headings. I like the clearly stated "date of last activity". Under status, it has the "I" and "R" status instead of that other junk. Experian blows as far as the "date of last activity" is concerned. Which is it??... still can't decipher that one. Trans Union, well adequate. Date of last activity? SK