Bad Credit Agency

On my credit report, do i need to contact all 3 credit agencies to have negative feedback removed?

I contested negetive feedback through Experian and had the negative feedback removed - do I now need to contact the other 2 credit agencies to contest the same negative feedback?

Public Comments

1. YES! my husband has to do the same thing. our mortgage guy told him that and once that's done your credit score will go up immediatly
2. It's possible that the creditor only reported it to Experian, however, usually negative reports end up on all three. Check with Equifax and Transunion just to be sure. I bet its on those too.
3. Yes. Sometimes they are missing, or even wrong info on one, and not on the others
4. Yes you do. Each credit bureau may have different information. You can check all three at www.annualcreditreport.com. (it's free) Dispute any of the negative information on the other two and they should be deleted within 30 days just like Experian. If you have already checked your free credit reports then you can order reports through www.equifax.com and www.transunion.com. Depending on the type of negative information, all three credit scores should be raised a few points up to 100 points!
5. yes. They do not communicate with each other, and may have different negative info on file.
6. you should check if its on all 3 you only need to dispute the ones its on no reason to dispute all 4 bureus if its only on 1 report (innovis is the 4th major bureu)
7. Yes. Not all the agencies receive the same information from your creditors. Something as simple as the misspelling of your name or an incorrect address can show in the reports. My advise is to pull your free credit report at www.annualcreditreport.com and if you notice anything wrong then proceed to dispute these items with the bureaus and/or the creditors. Look on the Internet under "Fair Credit Reporting Act" and take a moment to read it. Is for your own sake. Then also look for "statute of limitations for debt collection" for your particular state. Read this thoroughly as well. Is very interesting how the creditors and bureaus are making tons of money just because the customers are not informed of their rights.