Why Don’t My Credit Reports Match?

We generally make money when you get a product (like a credit card or loan) through our platform, but we don’t let that cloud our editorial opinions. Learn more about how we keep this compensation from affecting our editorial views.

Why Don’t My Credit Reports Match?

By MIKE GOLDSTEIN

If you've reviewed your credit report from more than one bureau before, you may have noticed some variation from one bureau to the next. Wondering why this happens? Read on to find a few possible reasons and some suggestions on what you can do next.

You got your report on different dates.

This one is so simple it might seem obvious, but it's worth keeping in mind nonetheless. For example, if you checked out your TransUnion report last week and a different bureau today, the information might not match. This could be because one of your lenders has recently reported new information. Before you get too wrapped up in any minor differences between the two reports, ensure that both sets of information are from the same day so you're comparing apples to apples.

Your lender hasn't reported to each bureau.

Lenders aren't typically required to report your information to any particular bureau or any bureaus at all, even. If one of your accounts has appeared on one bureau's report but has yet to appear on another, it could be because that lender simply doesn't report to every bureau. Similarly, if the account is appearing but hasn't been updated on a particular bureau's report, it could be because your lender has chosen to stop reporting to that bureau.

This variation also applies to hard credit inquiries. If a prospective lender checks your credit with only one bureau, then the resulting hard inquiry will only appear on that bureau's credit reports.

Your lender reports to different bureaus at different times.

Even for lenders who report to each of the national credit bureaus regularly, information may vary depending on when they report to each bureau. For instance, your lender could report to TransUnion on the first of the month, and the other bureaus on the fifteenth of the month. If this is the case, then your reported loan balances could differ among those credit reports for the time between the reporting dates. Similarly, if you've recently opened an account, it may take longer for that account to appear on some bureau's credit reports than others.

Your reports don't match for other reasons.

There are all sorts of other reasons why your information might not match up. One possibility is bureau error, so if you're sure that your situation doesn't match any of the others on this page and the information reported looks incorrect, you could consider contacting the bureau directly. If you've applied for credit under multiple names (like your maiden and married names), for instance, then one bureau could have potentially split your file or simply left off some of your information if it doesn't match what they already have on file.

Another variable that could keep certain information on your reports from matching is the manner in which credit bureaus collect information about public records. As opposed to credit cards and loans, which are typically reported directly by your lender to the credit bureaus, public records aren't actually reported to credit bureaus. Rather, credit bureaus will commonly search court records to find items like bankruptcies, judgments and tax liens. The result is that sometimes one bureau might access a public record that other bureaus have not, and you could potentially have, for example, a tax lien included on one bureau's credit report that is missing from others.

So what can you do?

If you've noticed a disparity from one bureau to the next, your next steps are up to you. As I mentioned earlier, lenders are not legally required to report your information to any particular bureau, so if your account is missing entirely, you can't force your lender to start reporting the missing information. Still, you can choose to give your lender a call and see if they'd consider reporting your account.

If an account isn't absent but instead contains outdated data, then you may be in a better position to request an update from your lender and the credit bureau. Keep in mind that your lender may simply report to that particular bureau later than they do to others so allow time for your report to be appropriately updated, but if incorrect or outdated information persists you could dispute the record to prompt an update.

Bottom Line

Just like your credit score, your credit reports can differ from bureau to bureau. By checking your credit reports from multiple bureaus at once, you can get a better sense of the complete range of information that's out there about you, and get a handle on any errors that you might want to address.

About the Author: Mike Goldstein is Copywriter at Credit Karma. Since joining the team in June 2013, he's been delivering the financial know-how on the daily. When away from work, you can find Mike watching hockey, Twittering for hours and frequenting trivia nights.

Editorial Note: The opinions you read here come from our editorial team. While compensation may affect which companies we write about and products we review, our marketing partners don't review, approve or endorse our editorial content. Our content is accurate (to the best of our knowledge) when we initially post it, but we don't guarantee the accuracy or completeness of the information provided. You can visit the company's website to get complete details about a product. See an error in an article? Use this form to report it to our editorial team. For questions about your Credit Karma account, please submit a help request to our support team.

Advertiser Disclosure: We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

All Comments

Results 1-25 of 145Results per page: 5 | 10 | 25Page 1 of 6   Previous | Next
1 Contribution
94 People Helped

Helpful to 94 out of 111 people

It is this simple...

Why does there need to be 3 credit bureaus?

And when someone applies for credit, who will the lender turn to for the crdit information needed?

What if they turn to the lower reporting bureau for there information?

It is definitely not a fair and balanced system for consumers overall.

Top Contributor

Reply by
finlander2013

20 Contributions
158 People Helped
Helpful to 86 out of 109 people

equifax is a money making company and it rates only on your credit inquirees and they are out of touch , please credit karma take this bogus company off of the site...and they credit karma ..hopefully will notice that they are not up to date. they haven't even fixed their stimulator scoring site........who needed the changes that these egg heads decided to include vantage score? w.t.f. and whom are they kidding ........i want this site to go back to the simple and more exacting scorings that are wanted by a majority of credit karma users / this site now has so many flaws i cannot tell everyone of them. but they need to stop this ugly attempt and contempt on all of us...what do we really expect from a free site???? not much , except it should be plain easy to find all information better 

Reply by
morris47

1 Contribution
69 People Helped
Helpful to 69 out of 77 people

I agree, credit hurts the poor people who cannot pay to have their credit fixed once damaged. Credit is extremely easy to damage but almost impossible to fix, the 7 to 10 year rule no longer applies when companies continue to apply the charges over and over again. Credit is prejudice, in a sense, to the poorest.

Reply by
vsaade69

2 Contributions
21 People Helped
Helpful to 20 out of 33 people

This is site is free because the lower your score is the more instrest they can charge . Do the math.

Reply by
erinkubo

1 Contribution
0 People Helped

Totally agree..I decided to apply for a credit card once I got my scores up a bit and whaddaya know they pulled from the ONE that I was unaware about and was the lowest..

Top Contributor
23 Contributions
301 People Helped

Helpful to 115 out of 152 people

If credit reports matched there would be no confusion on our part, and no competition among credit bureaus.  There would be no need to email us trying to sell credit card protection and identity theft protection.  It's business.  That's the bottom line. 

1 Contribution
88 People Helped

Helpful to 88 out of 111 people

Why is Credit Karma not reporting on Experian? It only lists 2 of the 3 credit bureaus.

Reply by
vapdsgt

1 Contribution
87 People Helped
Helpful to 87 out of 108 people

I was wondering the same thing. It would appear that if they (CreditKarma) really wanted to help consumers they would opt to include as much information as possible so that the consumer would be better educated about they reports.

Reply by
BigTuna75

4 Contributions
173 People Helped
Helpful to 108 out of 136 people

Doesn't really matter. Credit Karma is NOT EVEN CLOSE to TU's, Exp's, and Equi's FICO scores. They are off 60-80 pts compared to TU and Equi for me.

This Vantage Score is a JOKE.

Reply by
BARON987

7 Contributions
95 People Helped
Helpful to 24 out of 33 people

Maybe because it's FREE

1 Contribution
57 People Helped

Helpful to 57 out of 66 people

I agree with other comments regarding the Vantage scoring!  It is a joke!  At least 80 points lower than mortgage companies and banks!  The other way was much closer to actual credit scoring reports.  

Reply by
mjpowell

1 Contribution
13 People Helped
Helpful to 13 out of 17 people

I totally agree.  It is a minimum of 100 points lower!!    Enter Your Reply

1 Contribution
24 People Helped

Helpful to 24 out of 33 people

Wow. Really? People want to blame the credit card bureau because they can't manage their money?? C'mon people! I have made mistakes with my credit but I take responsibility for them because... well... um... IT WAS MY FAULT. Instead of blaming others for my mistakes, I am doing something about it.

Credit Karma is GREAT for giving us some tools to help improve our credit scores. And.... IT'S FREE!!! Thanks for all your help CK!!!! Geez! Some of you people would complain if they were going to hang you with a brand new rope.

Bottom Line: IF you make mistakes with your credit, start the healing process - Make your payments on time and build your credit back up to a respectable level without putting yourself in too deep of a hole. Chances are you didn't screw it up overnight and it's not going to get fixed overnight. I am at 5 years out of 7 years after my mistakes. I have another 2 years to go before everything is cleared. I have been working at it for over 2 years and have seen my score rise about 90 points. But it works! Recently bought a house and a new vehicle.

Here is an idea: Live within your means and leave room for the "hard times." If you can afford a $40,000 new vehicle, buy a $30,000 vehicle instead. Better yet, buy a $10,000 used vehicle and save up the money you are saving. IF you can afford a $200,000, buy one for $150,000 instead. If you can't afford a house and a car, GET A SECOND JOB... or in the case of some whiners out there - get a first job.

Whatever you do, stop crying that it is someone else's fault

Reply by
LC1227

7 Contributions
21 People Helped
Helpful to 12 out of 17 people

Hey Marine 12364, who are you to talk to people who are having credit troubles with the disdain and arrogance you clearly display in your comment? Are you so naive that you think that creditors never make mistakes and those mistakes never hurt people? It can be very difficult to get a creditor to understand that it is wrong about anything, but to then get them to remove something from your credit report seems almost impossible. The effects of having bad information on your report can be devastating as you ought to know. Does it make you feel better to be so harsh on those of us having a hard time? Do you think this life is so simple that anyone with financial problems should be looked down on? You sound like an elitist ******* who hasn't lived in the real world. Those who have made mistakes know it and don't need the likes of you piling on. Your comment sounds like you think it's great that some people are afraid to look at their mail or answer their phones because of creditor harrassment. Collection agencies are relentless and sloppy with their paperwork and they have no problem using deception. People who fall behind get pushed further and further behind by interest rates that should be considered usury and collection agencies that threaten and call relentlessly to your home, your cell phone and your work. It is awful to have serious credit problems. Just because you were able to get it together doesn't mean that you should look down your nose at anyone. You and your ilk should drop dead.

Reply by
MW2016

2 Contributions
6 People Helped
Helpful to 6 out of 10 people

Marine 123464, you made sooo many self-centered comments that I don't know where to start.  People are just looking for help. Show some compassion.  You may be responsible for your bad money handling habits to the point you admit it's your fault, but not everyone is.  Bad credit is not always that person's fault so keep yours to yourself.  I have a friend at work whose wife was in a terrible car accident with a drunk driver which was not her fault.  Hospital co-pays, medication co-pays, rehab co-pays and finally permanent disabilities, combined with the 12 to 18 month process of getting disability has put them under so far that they will never see the black line again.  They have expired all of their retirement, savings and their last son's college account which barely made a dent.  The credit collectors are driving them crazy.  There are erroneous, duplicate, and other incorrect entries in their credit reports.  They really have it rough.  My friends and I help as much as we can but again it hardly makes a dent.  We are just trying to keep them housed, clothed, and fed.  Their family income dropped to a quarter of what it was.  She was the major income generator and now has to be cared for for the rest of her life.  It's so sad.  For you to make the comments you did just make me want to, at the very least, exile you from our society.  People like you degrade the gene pool. It's like you telling someone with chronic depression to "just get over it". It's very obvious you are ignorant and illiterate. You can look those words up in a dictionary.  And by the way, stay off the comment boards.  You help no one.

4 Contributions
173 People Helped

Helpful to 33 out of 40 people

Guys ... these scores are NOT the actual FICO scores from the bureau's it's CK's prediction from the bureau's input is all ....

LAME.

Credit Karma Team
Top Contributor
2949 Contributions
5128 People Helped
Helpful to 66 out of 78 people

Hi BigTuna75,

Happy to clear up some confusion for you! You are correct that these are not FICO scores. FICO is merely one brand of score. We are providing a different brand: VantageScore. These are not our predictions, however - they are actual scores calculated by the credit bureaus and purchased by Credit Karma. 

4 Contributions
173 People Helped

Helpful to 29 out of 38 people

This is a joke.

Vantage scoring from CK is HIGHLY INACCURATE. 10% more or less compared to the 3 Bureau's actual scores.

Reply by
rejekt1

1 Contribution
30 People Helped
Helpful to 30 out of 37 people

Before they changed to Vantage scoring my score was exactly right....now, not so much....

1 Contribution
26 People Helped

Helpful to 26 out of 33 people

Ther is an address under my personal information that I have never lived there before. What do I do about that? 

Credit Karma Team
Top Contributor
2949 Contributions
5128 People Helped
Helpful to 34 out of 39 people

Hi Heather,

This address was likely added in error by one of your creditors. Contact the credit bureau directly to dispute this information. You may need to provide proof of your correct address. 

Reply by
ilene219

1 Contribution
9 People Helped
Helpful to 9 out of 13 people

Enter Your ReplyI have the same issue! What did you do to get it off???

Reply by
timandbrenda

2 Contributions
3 People Helped
Helpful to 3 out of 4 people

mine is not right either, shows i had an apartment at my address, never was one. it shows i lived at an address that i dont have a clue wher it is.  i think the x girlfiend used my name. how do i find that out... an what can i do to get things changed

2 Contributions
21 People Helped

Helpful to 21 out of 24 people

There is definatly something wrong with Ck, they have forced me to pay $32 to recheck the actual credit scores at each company.This needs to be stopped.

1 Contribution
20 People Helped

Helpful to 20 out of 28 people

I would like to know how One credit report say one thing and another can say something else?1.Now Alley has changed my account as paid as agree change off as bad debt. 2. How can there place a furniture bill as a credit card or a auto bill? 3.How this credit come up with 3 auto on my credit report when I only have one car?Y'all still need to work this credit report out together because I have only one bill that is my 1 car.

1 Contribution
16 People Helped

Helpful to 16 out of 22 people

I have listed on my past jobs as one of them being a owner of a style and cuts in NC.  I have never been to the city stated where the business is or supposedly located and I have never owned my own business. So I wonder how I can fix that issue 

Reply by
granmother

1 Contribution
22 People Helped
Helpful to 22 out of 30 people

i have one omy report that states I lived in San Jose Ca and I have never been there willl never be there and keeps hitting on my score how can i get this off.

Reply by
dalton349

1 Contribution
10 People Helped
Helpful to 10 out of 12 people

Ask them to give you the business since it is yours!

2 Contributions
2 People Helped

Helpful to 2 out of 2 people

All these credit bureaus  are worthless.   Just because  Experian is located on the West Coast and Trans Union and Equafax is located on the East Coast,   their scores are all different.  There needs to be some unity to all three credit bureas.  These agencies affect so many lives and people that just try to get ahead with what little income they have.   Cercumstances arise all the time for families.  So many people are in debt now because of our health industry,  they can't pay their bills.  This needs to stop.  No one can get ahead becuase these agencies do not care about  people anymore.   Unfortunetly  this world is based on the almight dollar, not human lives.  

1 Contribution
3 People Helped

Helpful to 3 out of 3 people

You get what you pay for. In this case I paid $0.00 and I got a "vantage" score that means "0" because the lender just ran my credit and it soooo far off (60 points) from CK. What a joke! Especially when you consider that the lender uses the real score to give you a loan not this bogus score. This site is becoming increasingly less beneficial.

1 Contribution
1 Person Helped

Helpful to 1 out of 1 people

Transunion is reporting that I owe on a bill that was paid off a long time ago. Even Equafax reports this bill as having a 0 balance. Transunion continues to carry this balance forward and report it as a negative balance and refuses to remove it. They say that if it really was paid off they would know it. They finally agreed to write my protest but still refuse to remove the the negative report. 

1 Contribution
1 Person Helped

Helpful to 1 out of 1 people

How do I remove a address that I never lived at. 

Reply by
LC1227

7 Contributions
21 People Helped
Helpful to 1 out of 1 people

Me too. I'm afraid the answer will be that some creditor put the name there and I have to contact them, yet nobody knows who it might be. My "alias" is spelled wrong with a different middle initial. I've never received a bill like that, but there it is on my report.

7 Contributions
95 People Helped

Helpful to 2 out of 2 people

My wife and I have home addresses where they say we lived, but we NEVER lived there - We have good credit reports, so we don't care!

1 Contribution
1 Person Helped

Helpful to 1 out of 1 people

Well I'm thankful for CK  and do not agree that they're off by what is being said. I also like that I'm able to check what's affecting my credit period! Thank you CK.

Credit Karma Team
Top Contributor
2949 Contributions
5128 People Helped

You're very welcome! Thanks for posting.

1 Contribution
1 Person Helped

Helpful to 1 out of 1 people

I think the CK scores are more useful in a relative sense, weekly score changes will help you understand your financial activity impact on credit. For the absolute value, FICO is the model that wider used.

Reply by
bfryar

1 Contribution
0 People Helped

Where does one find their FICO score?

2 Contributions
2 People Helped

Helpful to 1 out of 1 people

I am totally and completely confused... my TU and Equifax reports NEVER match, I had bought and paid off a car that never showed up on my credit report, I paid off a $10,000 student loan while still in college and it never shows up... it shows you the + and - on almost a daily basis, but NEVER tells you why thats happened. The information on both reports is identical, but both scores are different....why 3 agencies? Cant we just keep one and make life simpler for everyone involved? this is ridiculous. I have worked extremely hard to build up my scores, and Equifax just dont seem to reflect it no matter what I do or how I try. The paid off car and student loan should have reflected positively but never even showed up....

Is there a phone number anyone knows for the credit beauraus where I can call and talk to them myself to try and figure this out? absolute madness.... sometimes the correct information is reflected but the scores dont change, and sometimes they go up or down on almost a daily basis. Very frustrating. Id like to know my real rating instead of going through two diff agencies mismatched numbers

Credit Karma Team
Top Contributor
2949 Contributions
5128 People Helped
Helpful to 2 out of 2 people

If you'd like to contact Equifax directly, you can do so here: http://www.equifax.com/cs/Satellite?pagename=contact_us

There are likely differences in the aco****s reported to each bureau. Remember that your creditors are not obligated to report to all three bureaus, so some just report to one or two. It is perfectly normal to have different scores from each bureau. 

4 Contributions
1 Person Helped

Helpful to 1 out of 1 people

   I have scores of 625 transunion and 627 Experian. Some report these scores as fair to good, your site reports them as poor. WHY?

4 Contributions
1 Person Helped

PLEASE REMOVE MY STATE LIEN FROM MY PUBLIC RECORD ITs PAID IN FULL

Top Contributor

Reply by
TeamCKJen

366 Contributions
620 People Helped

It usually takes about seven years for a negative item to be removed from your credit report. If it's past that timeframe, you can file a dispute with the credit bureau to request a correction. 

Reply by
LC1227

7 Contributions
21 People Helped

CK, seven years from when?

1 Contribution
0 People Helped

On my credit karma it said I had a 511 score when in actuality it was up to 592' I jsvgotbpre approved for my mortgage!!

1 Contribution
0 People Helped

how do i get an adderess remove that i never live

Credit Karma Team
Top Contributor
2949 Contributions
5128 People Helped

You can dispute any inaccurate information directly with the credit bureau. 

1 Contribution
0 People Helped

My name is spelled wrong my name is Ronda nerswick not Ronda Merswick

2 Contributions
0 People Helped

Hey, I need an explanation and I'd like it sooner than later. You have me living at an address I've never heard of!  I don't have any idea how this got on my credit report.  We hae to have better tracking, or we will continue to be one edge with what is considered CONFIDENTIAL. I'm dubious after reading this information.

Please respond with sense and sensibiiity. This is beyond suitably OK.

Results 1-25 of 145Results per page: 5 | 10 | 25Page 1 of 6   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Comment on this Article

Write your comment:
Enter Your Comments