3 In 1 Credit Report

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http:/www.truecredit.com I have been subscribed with this company for about a year now. It is actually owned by Trans Union which is one of the 3 major credit bureaus. It is like $14.00 a month. It lets you see all 3 scores, and all 3 reports. I check mine almost daily. Plus, they will email you when someone checks your credit.

I pulled a 3 in 1 credit report ....I have 1 creditor that listed payment status on Esperian as " Current, was past due 30 days"...on Equifax & Transunion the payment status is "pays as agreed"....How should I go about getting the creditor to change the Esperian entry to "Paid as agreed" - I was late & don't want to raise a flag and have them change the other 2 negatively Can I print out the page & send to Esperian directly to change?

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First thing I would do if I were you is order a report from each credit bureau. You can order your free FACT-Act report if you don't want to pay. Generally the tri-merge reports are incomplete or inaccurate. If the account is a closed account, you run the risk of losing the whole trade line if you dispute it. If it is still an open account and your 30 day late was from awhile back, try contacting the creditor to see if they will change it to never late. Explain why you were late, how you have brought it current and kept it current for x number of years. Tell them that you enjoy doing business with them etc. Sometimes the original creditor will take a late off. Alot of it just depends on who ends up getting your letter or phone call. P.S. I wouldn't mention to them how it is reporting on Eq. or TU.

Is their one credit reporting agency that is more commonly used than the others? I am just curious because one report is significantly higher than the others and it doesn't show any negative activity. The other 2 have the 4 late payments I have had in my entire life, and yes, they have definately killed my score for those companies. Also since those late things are over 1 and 2 years old, is there any chance the one agency that doesn't have them will at some point get them?

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There is no telling which agency a particular credit issuer subscribes to. Sooner or later all have the same data (or close to the same) so you won't really dodge the bullet if the issuer you applied to uses one versus another agency. I have been getting reports from all three for the past several years and haven't seen much difference. If you really ticked off a lender I am sure they would make it a point to tell all three how you screwed them so there really is no hiding.

i oder 3-1 credit report from transunion and it says i have a 601 for experian but i also oder experian single credit report and it says i have a 667, why those that happends? and which one should i believe

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use the middle number. all 3 bureaus are going to have different number so most places will use the middle number of the 3.

Im sorry that im posting this, but I dont know how to respond in open questions. But this web site offers 3-1 score and report http://www.myfico.com/Products/FICOThree... Bout 50 bucks a year, but I cant clearly see if those scores are going to change regularly, as in when they change, do I get to see it, or does it happen only once a month or do i see it the minute it changes on any of them at any time through the year? THanks

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it will notify you when your credit score changes; there is no set time when it changes because bureau's are always updating credit profiles etc......