A three-bureau review compares every account on your Equifax, Experian and TransUnion reports side by side. Because each bureau receives data separately, the same account can show different balances, dates or statuses. Those differences are often where a dispute begins.
Common situations
- Different balances, opening dates or first-delinquency dates across bureaus
- A paid account still shows a balance at one bureau
- The same debt appears twice
- Personal information errors, including misspelled names or unfamiliar addresses
Our approach
- Obtain all three complete reports and align each account
- Identify inaccurate, conflicting or missing fields
- Assess importance and prioritize the work
- Deliver a written summary and review every item with you
What to prepare
- Identity proof
- Address proof
- Three-bureau reports; we can help obtain them
Official references
- AnnualCreditReport.com — official site for free credit reports
- CFPB — How do I dispute an error on my credit report?
- 15 U.S.C. § 1681i — FCRA: dispute investigations
Frequently asked questions
How can I get my credit reports for free?
Equifax, Experian and TransUnion each offer free online reports every week through AnnualCreditReport.com, the official site authorized by federal law. Be cautious with look-alike sites that ask for payment.
Does checking my own credit report lower my score?
No. Reviewing your own report is a soft inquiry and does not affect your credit scores.
Why is my report different at each bureau?
Lenders are not required to report to all three bureaus, they may report on different dates, and each bureau matches records to people in its own way. Differences are common, and inaccurate differences can be disputed.
Accurate, verifiable records may legally remain. We do not guarantee removal or any specific score. You may also dispute errors directly with the credit bureaus for free.
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