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 May 26, 2010:
Items disputed through dispute should be deleted from all credit reports
I disputed items on my credit report to Experian, and they were deleted. Will the items be deleted from my reports with the other two agencies as well?
If they were deleted based on instructions from your lender, the information should also be deleted from the credit reports compiled by the other national credit reporting companies. However, Experian does not notify them to remove the information. That is the responsibility of the lender or business that reported the information.
The Fair Credit Reporting Act (FCRA) requires the source of the information the lender or other business to notify all of the consumer reporting companies that it shared the information with when there is a change or correction to they way it was previously reported. That is because only the business reporting the information knows every consumer reporting company to which it was reported.
The requirement ensures that a change caused by your dispute is made everywhere the information was reported. It’s always a good idea to allow time for such updates to occur and then check your other reports to be certain.
Thanks for asking.
- The "Ask Experian" team