If i have nothing bad on my experian credit report should it be the same on an equifax one too?

Question

or will it have different information???

Answer 1

They all gather information differently, so it's best to check all three.

I think Trans Union is the third.

Generally, when companies run a credit check, they will likely go for the worst score. In my experience, Experian had the highest credit score (for me) out of all three.

Answer 2

It should be. Each company you deal with will supply information to Experian or Equifax, or both. If the Experian Credit Report lists all your creditors, then you will have a degree of confidence the Equifax one will state the same things.

If you are in the UK, a £2 postal request for a copy of your credit report will confirm it (you can also have instant online access to your report, but expect to pay much more than the standard £2 fee).

Answer 3

The 3 major credit buearus are Experian, Equifax & TransUnion. Often times the reports from these different "companies" (important to note) will differ due to who your creditors pay to have your debt reported. This is why everyone often has 3 different FICO scores. The middle-ranged one is often the one considered. Your credit reports are also subject to be peppered with mistakes and one mistake may show up on only one or two of the reports. Get copies of reports, compare and begin to dispute any info you know to be incorrect or outdated.

Feel free to write & I'll send more info on how the credit system & the FICO system works.

Much SUCCESS to YOU!

Answer 4

The three repositories that report your information are: Equifax, TransUnion and Experian. Each of the three companies reports incorrect information (no two ever report anything alike). You can dispute incorrect information on each of their websites (say after you've been declined for credit). If you need to improve your credit score, you should opt out of pre-screened offers, electronically for 5 years (it does help in a few months). The website is: https://www.optoutprescreen.com

Credit companies consider you less of a credit risk if you opt out of pre-approved credit offers (not likely to apply for more credit).

Answer 5

The law allows for you get a free credit report once a year. Also, if you get turned down for credit you're entitled a free credit report in order to review what's on the report. Once you have your report you'll have approximately one month to correct any discrepancies. Just call the credit bureau and they'll do all the work on your behalf. If you are not satisfied with the results contact the actual credit issueing company yourself. Lets say Sears reported you for non payment or late payments. If you have proof you did not miss a payment or were ever late Sears or whichever company will send that information to the credit bureau. Also, many companies sell bad debt to 3rd party collection agencies. Some of them are hard to track down. NEVER EVER CO-SIGN FOR ANYONE. You'll be glad you didn't.

Answer 6

credit cards, mortgages companys and car companys all report to different credit agencies. so your experian score could be high and then your equifax or transunion could be significantly lower. thats why generally you use your mid-score out of the three.

Answer 7

They can be different, just bought a car and one of the reports had some deliquent power bill on it that is not even right, still trying to get that one figured out.

Answer 8

yes they could be different, so may be worth checking, but this could prove expensive as they usually charge.
however if it is for one purpose (ie buying a new TV from a store on credit) why not ask the retailer/lender who they do their credit checking with.

Answer 9

You need to actually view all 3 reports to konw if they are the same.... some late pays...and even whole accoutns...dont show up on all 3.