Contacting...

[MrBenchMark]

Question, I have pulled all three credit reports on myfico.com and of course gotten three different scores. Equifax was the highest, TransUnion came next, and Experian was last. The point spread between the highest and the lowest is 45 points (Equifax 802, Experian 757). 

As I looked at why Experian had such a lower score in comparison to Equifax, I noticed how Experian gives reasons such as:

1. I have a short credit history.

2. I have no recent activity from a non-mortgage installment loan.

Now, why does Experian report that but in reality it's not true. I have an installment loan ($31,000 auto loan) that's obviously recognized by Equifax and TransUnion, and I don't have a "short credit history". I suppose the bottom line question is, how do I contact Experian to correct this issue and what do I do?

[MrBenchMark]

LOL...A lot of lookers here but no takers 

[takeshi74]

You have to give any discussion forum site time for reponses.  A descriptive subject (like "Auto loan not reporting on Experian") would help.  With a vague subject people have to click on the thread to determine the topic and they may or may not be able to weigh in on the matter.

In any case, not all creditors reports to all three CRA's.  There isn't anything to fix.  You can request that the creditor report to Experian but they may or may not.  Experian can't do anything.  Creditors report to CRA's.  CRA's don't pull data from the creditors.

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@MrBenchMark wrote:

and I don't have a "short credit history".

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Is the auto loan the only account that isn't reporting on Experian?  Again, Experian can only use the data that is reported to them.