Do all three CRA's have the same information? I had a bunch of stuff deleted from my Equifax report, but I haven't even thought about the other two. Would I have to contact the other two and go through the same process as with Equifax? What a headache!!
Not always, some deliquent items may appear on one and not another, same with inquires. But yes you need to dispute any info with EACH agency. I suggest you get copies of the other 2 and see what exactly is on them.
No, some creditors will report to EQuifax/ TU/ or Experian. Some will report to EQ/ TU but not Experian. Some will report to Experian/ TU but not Equifax.. get what I am saying? Russ
Each credit reporting agency is an independent company. They do not work together in any fashion. You have to contact each bureau and get a copy of your report to find out what they are saying about you to potential lenders. If they have mistakes you have to deal with each one individually. Error are a given in this business. roni. Russ wrote: ------------------------------- No, some creditors will report to EQuifax/ TU/ or Experian. Some will report to EQ/ TU but not Experian. Some will report to Experian/ TU but not Equifax.. get what I am saying? Russ
it depends.... if you are disputing true items, trying to have them removed, you need to write all 3 CRAs. If the item is completely false, it is often easier to ask the creditor to delete the item from all three reports (they can send a fax to all 3 CRAs), but yu can write all 3 CRAs.
