Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can't find what you're looking for, please fill out the form, being as specific as possible.
Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.
The information contained in this column if for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation.
Please understand that Experian policies change over time. Column responses reflect Experian policy at the time of writing. While maintained for your information, archived responses may not reflect current Experian policy.
Topics addressed on February 4, 2009:
Correction on Experian report should also be made on other credit reports
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?
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