The first step in repairing your credit is to discover where your credit problems are. You do this by obtaining credit reports. You must remember that the three bureaus are INDEPENDENT and they do NOT share information. In fact, all three of them compete against one another in the same business. Therefore, it is not unusual for these bureaus to have differing information on you. The common explanation for this is that a particular creditor will only deal with one of these bureaus. As stated above, creditors only report to these bureaus periodically. These periods vary for each creditor. Some creditors report to the bureaus monthly, quarterly, or semi-annually. Therefore, it is important to obtain the latest report from all three of the bureaus and compare the differences in your credit files.

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Credit Bureaus:

Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
(800) 685-1111

Experian (formerly TRW)
P.O. Box 2104
Allen, TX 75013-0949
(888) 397-3742

Trans Union Corp.
760 W. Sproul Rd.
Springfield, PA 19064-0390
(800) 888-4213