Get reports from the authorized source
The CFPB directs consumers to AnnualCreditReport.com for reports from Equifax, Experian, and TransUnion. Save each report date and reporting-company name. A report can change, so conclusions should always identify the version reviewed.
Compare the same fields in the same order
Review identity information first, then open accounts, closed accounts, collection entries, other reported items, and inquiries. For every account, record the furnisher, partial account identifier, status, balance, payment history, and relevant dates.
- Same on all reports
- Present on some reports only
- Different balance or status
- Not recognized
- Needs supporting records
Turn differences into questions
A difference is not automatically an error. The next step is to compare the report with statements, payment records, contracts, and correspondence. Mark what appears accurate, what needs evidence, and what may justify a specific dispute.
Common questions
Clear answers, clear limits.
Why might the three reports differ?
Furnishers may not report the same information to every company, and update timing can differ. Review each difference before deciding it is an error.
Will the reports include my credit scores?
Not necessarily. A credit report contains account and history data; a score is a separate prediction generated from report data using a particular model.
How often should I compare reports?
Use a schedule tied to your risks and goals, and check before a major application. The CFPB notes that free online reports may be available more frequently.