credit report?

Question

i got all 3 of my credit reports, how come they all don't have the same accounts on them. 1 has 3 accounts and the other 2 only have 2 accounts. don't they all have to say the same thing? and what if they don't? can i ignor that one account since it is not on all three?

Answer 1

If you do business with a company, say Shell Oil company, Shell does not necessarily report credit info to all 3 credit services. So all 3 may not know about your dealings with Shell. That's not really a problem.

You should look over the credit report for things that are wrong or reflect badly on you.

Answer 2

The information in your credit file was provided to the bureaus by your original creditors, courts, collection agencies, insurers and other organizations.

The big mistake in the system is that the reporting agencies do not have to verify the truth or validity of the information
reported to them. As a result, independent research has found mistakes as high as 40% among the major reporting
agencies.

So, dispute the account that is in question, do not ignore it. If it is in error, you have the right to dispute it and have it removed. Do it in writing, by certified mail, so that you have a paper trail and proof of receipt.
Mailing Addresses:

Equifax Credit Information Services, Inc
P.O. Box 740241
Atlanta, GA 30374
800-685-1111

Transunion
P.O. Box 1000
Chester, PA 19022
800-916-8800

Experian
P.O. Box 2002
Allen, TX 75013
888-397-3742

Answer 3

this is not uncommon. certain banks, creditors, lenders, etc will report to 1 of the 3 bureaus,some report to all 3. if an account is on ANY of the 3 reports it means it has been attached to your name at some point and you should not ignore it. your scores will also vary from bureau to bureau depending on which accounts were reported where,and other small differences between the 3 bureaus. if you have found fradulent info on any of them you need to acknowledge it immediately.transunion has a good resource called truecredit. i suggest you have a look.hope it helps.

Answer 4

What is reported to the credit bureau is always going to fluctutate because not all companies report to all 3 major credit bureaus. You can't really igonre it because it contains less information, but depending on what it is that's not listed, you may not need it. It's not really a big deal unless it's a bad mark. Your credit score is what is most imporatant.

Answer 5

No you can't ignore it just because it's not on all three, I just printed out my own report and I had the same thing, that is why they suggest you get all three cause not all three have the same information, if just one of them show it, it exists, don't ignore it, thats bad.