Equifax, Experian, and TransUnion can show different updates. Obtain dated copies through the federally authorized AnnualCreditReport.com and compare the s
Equifax, Experian, and TransUnion can show different updates. Obtain dated copies through the federally authorized AnnualCreditReport.com and compare the same fields across all three.
Check the underlying records
Use a table for each account: ownership, opened date, balance, limit, status, payment history, and date updated. An absent account at one bureau is not by itself proof of an error. Look for a factual contradiction supported by account records.
Take the next step
Dispute with each bureau displaying the inaccurate information and contact the company that supplied it. Keep each confirmation number and investigation result separate. Check names and addresses too; an unfamiliar address may warrant investigation for a mixed file or identity misuse.
Know the limits
A credit report is a record, not a live account ledger. Compare each reported figure with the correct historical date before challenging it.
Further reading
https://consumer.ftc.gov/articles/free-credit-reports
Get Safesky's DIY credit repair guide
Start with the free A-to-Z PDF and use its steps to organize your credit records.
This article is general information, not legal or financial advice. Results vary by credit profile.
