I have my most recent credit reports from the big 3, EXP, EQ & TU. I just noticed that some of the bad tradelines occur on one of the big 3 but not on the other two. For example: I have one 180 day late payments against me from 5/1998 for American General Finance. (Im not even sure if this company is still around, I believe that the account must have been transferred or sold) This entry only occurs in the EXP report, but it is NOT on the EQ or TU. How should I approach this one ? I also noticed that only one TU is reporting my mortgage payment (which has never been late) which has been in effect since 1994. Is it wise to inform the other two to track this mortgage loan ? Would that help or hurt my score ?
