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Why isn't Information Consistent With the Credit Bureaus

When you get a copy of your credit report from the three major credit bureaus, you may be wondering why it doesn't match. You may even be wondering how to make it match.

Your information isn't consistent amongst all credit bureaus because information furnishers or providers do not share your credit data with each other. When an information furnisher has something to report it may report to one, two or all credit bureaus. That decision is entirely up to the company reporting the information. For example. If a company reports a collection to Equifax, that company may not report that same information to TransUnion or Experian. And Equifax will not communicate that information to the other credit bureaus.

This lack of communication can also work against you when it comes time to make editions or deletions of information contained in a credit file as updates to an Equifax credit file may not be reflected on reports from Experian and TransUnion. You will need to contact the other credit bureaus directly to correct any inaccurate or incomplete information.

Contact information

  • TransUnion, P.O. Box 1000, Chester, PA 19022 Phone: (800) 888-4213
  • Experian, P.O. Box 9530 Allen, TX 75013 Phone: (888) 397-3742
  • Equifax, P.O. Box 105069 Atlanta, GA 30348 Phone: (877) 528-6488

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