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Topics addressed on June 28, 2006:
Lenders required to notify other lenders of changes resulting from disputes
After having "fixed" via disputing, some credit issues on a credit report, how do I get that "fixed" data and information to the other credit reporting companies?
What you need to do will depend on why the information was changed or deleted.
Lenders are required by law to notify the other national credit reporting companies when they change or delete information as a result of your dispute. In those instances, you don’t need to do anything with the other credit reporting companies. The updates will be made automatically.
If the information is changed or deleted by the credit reporting company for some other reason, such as failure by the lender to respond to the dispute, you also will need to contact the other credit reporting companies and dispute the information.
It is a good idea to get copies of your credit reports from all of the credit reporting companies to find out if the information is being reported to all three, and if so, to ensure any disputed information has been updated with all three.
Doing so will ensure you know what is being reported on all of your credit reports, and that your identifying information is correctly listed in all three systems.
Thanks for asking.
- The "Ask Experian" team