Bad Credit Agency

If I fix some entries on my Experian credit report, will they be fixed with the other agencies?

I am currently trying to fix a number of entries (incorrect default, linked addresses) on my credit report. I am doing this with Experian. I realise that in the UK we have three credit referencing agencies, if I fix my file with Experian, will I have to do the same with the others or are they all linked so I only need ot do it the once? Thanks

Public Comments

1. In the US, the three credit bureaus are independent of each other. If your three are Experian, TransUnion, and Equifax, you will have to contact all three separately.
2. Hi Digby, O2 mobile 'linked' me with an address that I've never had anything to do with. They refused to accept that they could possibly be wrong. Experian would not allow a correction without O2's permission, only a note saying that the information was disputed. A very frustrating episode!
3. NO! They are not linked.
4. no. all independent.
5. I think you will have to contact them all.I keep getting e-mails and letters from Experian to check my credit rating and pay yearly subscription for the benefit.There being paid already by searchers
6. No, so this is what you need to do. Take 3 copies of each of the receipts and proof of each line and write 3 explanation letters (each addressed to each repository) and mail them all out at the same time. The repositories prefers that you write a letter for each line and send the proof individually. It doesn't have to be done that way, but that is what they say. they have 10 days to answer your letter and 30 days to review the information. In the letter you need to request a re-score when finished and a new report. The problem is, even though you "fixed" your credit, within a month or two, it is possible for the line to reappear. and you have to start over. That is why you keep your originals and you are pre-pared to do it again 3 months after they are "fixed". You can call them, but you will be on hold for hours as they do not answer the phone, and you can use the web, but they charge you.