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allenhurst913

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What can I do about Age of Credit History vastly different between agencies?
TU shows 7 yrs., 6 mos. ("Good"), while Equifax shows 2 yrs. 11 mos. ("Poor"). I am sure that the TU number is much closer to reality.

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A few possibilities...

Helpful to 2 out of 2 people

The only way for this discrepency is that something is either not being reported on one of the bureaus, or something is being reported differently between them.  There might not be anything to do.

Take a very close look at each credit report.  Make a list of all accounts that are listed as "open".   In the past, I've had an account that reflected as "open" on Equifax, and was also in the midst of collection activity, while on the TransUnion side this same account was listed as "closed-charged off".  This one difference resulted in an average age of accounts difference of 6 years!!

Once you figure out what is causing the difference, you may not want to do anything.  A dispute might "correct" the way the account is listed (which could help or hurt, but there is really no true way to know for sure).   If a charge-off is re-listed as open, this will increase the age of your accounts, but it will also be more of a derogatory listing than a charged-off account that's more than 3-4 years old.  

Be careful, good luck.

Reply by
allenhurst913

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Thanks for the response!

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