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New Visitor
Posts: 1
Registered: ‎07-08-2015
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Getting all 3 credit reports to match

I can't be sure as to where I read it but I believe I read somewhere that you can send a copy of 1 credit report to the other 2 agencies & request that they be made to match? What I'm wanting to know is can I send my Transunion report to Equifax & Experian to request the removal of items based on the fact that they are not on my Transunion report. My Transunion only shows 1 account in collections but Equifax & Experian both show 6. These accounts had been succesfully disputed with Transunion due to the collection agency not reaffirming them with Transunion but they stayed on Equifax & Experian. Also, I have an account that I settled 2 months ago & it has been removed from Transunion but it still shows on the other 2, even though I have requested the collection agency to update them.

 

Any advice would be appreciated.

 

Thanks.

Frequent Contributor
Posts: 320
Registered: ‎05-19-2014
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Re: Getting all 3 credit reports to match

I'm not sure where you heard that, but one bureau doesn't use another bureau's data to confirm/delete/update its own data.

March 2014: Abysmal, low 500s

April 2015: TU 607 | EQ 599 | EX 608
April 2017: TU 662 | EQ 673| EX 694
Valued Contributor
Posts: 7,411
Registered: ‎01-08-2013
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Re: Getting all 3 credit reports to match

I haven't heard this before either.
EX 08 Fico: 729 TU 08 Fico: 735EQ 08 Fico: 740Total Credit Line: $128,600Utilization: 6%Inquiries:EX-6TU-7EQ-5


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Epic Contributor
Posts: 29,726
Registered: ‎03-19-2007
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Re: Getting all 3 credit reports to match

No such thing.

There is no requriment for any party to furnish the same info to each CRA, and no consideration by the CRA as to what has been reported to another CRA.

The issue is whether what is reported is inaccurate, not that it is not reported to another CRA.

 

The only time that reporting to one CRA can be relevant to reporting with others is if the reportings are contradictory as to a given fact.

For example, reporting more derogs to one CRA than to another is not inaccurate per se, as exclusion is not an inaccuracy.

However, reporting a different DOFD to different CRAs is prima facie evidence that one is inaccurate, as the DOFD is a factual date-certain that cannot vary based on who is is reported to.

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