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Harley
Lv 6
Harley asked in Business & FinanceCredit · 1 decade ago

Experian won't fix my report?

I had a truck payment for a year and a half financed through a bank in Virginia. TransUnion and Equifax both accounted for it and Experian did not. I printed both TransUnion's and Equifax's reports and got a notraized letter from the bank to fix it. Experian denied my request anyway. What else can I possibly do?

5 Answers

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  • 1 decade ago
    Favorite Answer

    Your credit file may not reflect all your credit accounts. Some local retailers, credit unions, and travel, entertainment, and gasoline card companies are among those that usually aren't included.

    Although they are not required to do so, many consumer reporting companies will add verifiable accounts for a fee. However, if these creditors do not generally report to the consumer reporting company, the added items will not be updated in your file.

    The only way out of this is to have the bank report the loan to Experian.

    Hope this answers your question

  • Anonymous
    4 years ago

    this is probable that the replace on the 15 is for the previous month. often it may desire to soak up to 60 days for as much as this factor information to take place on your credit record. often it incredibly is thru reporting time-physique of the creditor. The credit bureas could take a pair days to replica the replace. they have many diverse lenders updating at diverse circumstances. it could make journey that they could in fact submit a majority of those updates as without delay as an afternoon or watch for a definite time of day to do the updates. the region are you pulling your credit comments? If this could properly be a 0.33 social amassing monitoring service, that would prefer to be somewhat your project. They pull your record and don't replace for a month or probable better. A record good removed from between the credit bureaus could prefer to replica the shrink stability swifter. even with each little thing, do not count style quantity on your December fee showing up on the mind-blowing of December. Frankly, it sounds like your credit is kinda iffy if a $600 credit card fee will make that lots differrence in no count in case you get authorized for a newloan or not.

  • 1 decade ago

    Are you saying that experain is not showing the account and therefore your positive payment history is not reflected?

    Could be the bank does not report to experian????

  • Rachy
    Lv 6
    1 decade ago

    Your lender may not be reporting to all the credit bureaus. I would contact your lender and explain the situation and see if they've been reporting to all three.

    99% of the time when you apply for credit they will check all 3 bureaus and take your average score so while it's something that would be good to check into, it probably won't affect you too much.

  • Anonymous
    5 years ago

    Not completely sure about this one

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