Syncing all 3 credit reports from the 3 credit bureaus?
Posted in Credit on 05/12/2008 11:28 pm by admin
CoolerEmail guy asked:
You know, I don’t know how we’ve lived with the credit system so messed up as it has been with 3 different agencies and they never seem to be all in sync. Does anyone know the best way to sync better the reports from all three credit bureaus? Can you pay a legitimate company to do such a thing?
You know, I don’t know how we’ve lived with the credit system so messed up as it has been with 3 different agencies and they never seem to be all in sync. Does anyone know the best way to sync better the reports from all three credit bureaus? Can you pay a legitimate company to do such a thing?
Thanks
PEDRO
05/16/2008 at 9:41 am
The Credit Reporting Agencies(TransUnion, Experian, Equifax) are just that “Reporting” agencies. That is they only put on their report what information is sent to them. They do not go out to companies looking for data to include.
Some creditors will only report to one, some report to two, while others report to all 3. They may also report to each one at different times. If one of your creditors don’t want to report to one or any of them there is nothing you can do to force them. The only thing you can do is make sure what is reported is valid.
You have to treat each report as a separate and independent report. For example if an item is incorrect on TransUnion and Experian you must dispute it separately with each company. Fixing it on one does not automatically fix it on the other.
You don’t need any company to do this. If you have invalid information you just need to send in a dispute and have the information corrected/removed(as the case may be).