Saturday, October 31, 2009

If ONE credit bureau deletes something do they all have to?

Recently I had several things deleted off my credit report(s) by disputing the information underneath of the Fair Credit Protection Act. I got all three credit scores and I disputed all of my debt online through all the three credit bureaus. Well, several things were deleted off of my Experian and my Equifax. Actually almost all of it. But, they are all different things!



My question...if something is deleted off of your credit report by ONE credit bureau do they ALL have to take it off or how does that work?



I have a 4,000 Repossession that was taken off of my Equifax report but not my Experian and I just want to know if they have to take it all off. To be honest I owe the money otherwise I wouldn%26#039;t care. But, I have worked long and hard to fix my credit and I was wondering if that meant that I was clear of it on there at least.



Thanks! Please only answer if you know for sure! This is SO important to me!



If ONE credit bureau deletes something do they all have to?

Nope....the 3 credit bureaus are completely independent firms....They are all required to report accurately per the terms of the Fair Credit Reporting Act....so theoretically they should all be reporting the same info....yet it doesn%26#039;t always turn out that way.....Still, there is no requirement that they have to report all items exactly the same. In this case you state the debt is accurate...so you can%26#039;t send your Experian credit report to Equifax and force them to remove accurate negative info based solely upon the Experian report not showing it....



If ONE credit bureau deletes something do they all have to?

No, the credit bureaus will report what the creditors report to them. They are just a repository for information provided by data provider



Here is a good article about this, plus alot more about credit.



http://www.creditscorequick.com/2008/03/...



If ONE credit bureau deletes something do they all have to?

you have to work at getting the info off of each one individually. It can take time and frustration....be persistent! Hope it works for you.



If ONE credit bureau deletes something do they all have to?

YOu are not the only one,I have met this type of problem before.I have good experience here to solve the problem though.http://creditreport.expertsupport.info/f...

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