different credit reports

[phill99]

Hi all:

I have just pulled my credit reports from all three agencies, and they're different. For example, some accounts are reported on Experian, but not on Equifax, etc. As a result, I believe, I have three different scores, and they're not roughly in the same range.

Is this typical? Should I make sure that they all have the same info on me? Any advice?

Thanks.

[Roadrunner]

It is not unusual for the reports to be different. Creditors do not have to report to all 3 - I think it is kind of like a subscription. I believe the major creditors tend to report to all, but the smaller ones are likely to only go to 1-2.

If there are mistakes, work on correcting them with all. Writing a dispute to one bureau will not notify the others.