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Credit Advice
Topics addressed on February 4, 2009:
Correction on Experian report should also be made on other credit reports
Dear Experian,
When one thing is corrected on an Experian credit report as the result of a dispute, does that mean it is corrected on the other two credit reports?
- DDS
Dear DDS,
If information in your credit report is changed by your lender as a result of a dispute, federal law requires the lender to notify any other consumer reporting company to which it reported the information. So if it is reported on all three credit reports, it should be updated on all three credit reports.
The Fair Credit Reporting Act (FCRA) recognized that only the business reporting the information knows if it was reported to the other national credit reporting companies or to other consumer reporting companies.
You should check your other credit reports, though, just to be certain the change was made. Allow 30 days or so before checking to ensure there has been enough time for them to be notified and to have made the change.
If the change is not made, dispute the information with them following the instructions provided with those credit reports.
Thanks for asking.
- The "Ask Experian" team