Updating Balance Information on Your Credit Report

CAPS - View Report, Dispute

Through April 20, 2022, Experian, TransUnion and Equifax will offer all U.S. consumers free weekly credit reports through AnnualCreditReport.com to help you protect your financial health during the sudden and unprecedented hardship caused by COVID-19.

Dear Experian,

On your website, you state that you update credit card payments when my bank does. My credit report from your institution is three months behind. This is affecting my credit scores and causing me to be denied credit.

- IWR

Dear IWR,

Your creditors update the information on your credit report electronically. Therefore, when they send a monthly update to us, the information is updated on your credit report automatically. To ensure you have the most recent information, we recommend that you request a report directly from Experian.

If your application has been declined because of information in your Experian report, you can request a free copy at Experian's Report Access. You also can request a free credit report once every 12 months at www.annualcreditreport.com.

If you are seeing an account on your report that has not been updated in several months, you should dispute the information with Experian and contact the creditor to verify it is reporting your account information. For more information, see How to Dispute Credit Report Information.

Thanks for asking.
The "Ask Experian" team

The purpose of this question submission tool is to provide general education on credit reporting. 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 may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well.

Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.

To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through April 2022 at AnnualCreditReport.