The three main credit bureaus all operate independently of each other, so they don’t share information or communicate at all. Thus, your credit file from each bureau may be slightly different. It’s a good idea to review each of your reports from Experian, TransUnion, and Equifax, so you can verify everything is accurate.
If you find something is inaccurate on any of your reports, you’ll want to dispute it, which you can do on your own. It is important to note that if an error appears on multiple reports, you’ll need to file a separate dispute with each bureau reporting the misinformation. You can file disputes with each of the major credit reporting agencies via their websites or by mail.
Federal law entitles you to one free credit report from each bureau every twelve months. You can request your free annual credit reports from Equifax, Experian, and TransUnion at www.AnnualCreditReport.com. If you need to get an additional credit report during the year, you can purchase one directly from each of the major credit bureaus. Equifax, Experian, and Trans Union have available credit reports that include all three main credit reports on a single page.