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Question:


I found a mistake on my TransUnion credit report. I called them and got the mistake removed. Do I need to contact the other two credit agencies or will they be automatically notified of the error?
-JDW


Answer:


It depends on who made the mistake in the first place. If TransUnion messed up and then fixed the mistake, then that should be the end of the matter. More likely, one of your creditors reported incorrect information to the agency. TransUnion, in rectifying the error after your call, might have reported the change to the creditor, which should then have contacted the other two large credit rating agencies, Equifax and Experian, if it had reported the same erroneous information to them.
 
You shouldn’t leave it to chance, however. To be on the safe side, why don’t you get in touch with the creditor to make sure it did indeed clean up after itself? Even if it provides the proper assurances, you might want to contact Equifax and Experian to confirm that the mistake – or any other – is not in their reports. You are entitled to a free credit report from each of the three agencies once a year – annualcreditreport.com is the place to go – so it won’t cost anything to put your mind at ease.
-Conrad de Aenlle



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