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Learn what it takes to achieve a good credit score. The purpose of this question submission tool is to provide general education on credit reporting. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too.
By sharing your questions and our answers, we can help others as well. Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it.
Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address. To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided.
If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Length of credit history won't make or break your scores, but if you want to earn the highest scores possible, then you'll need to perform well here.
Generally speaking, having a more diverse set of accounts on your credit reports and fewer credit inquiries indicate lower credit risk. There are two commonly used credit score brands in the U. The company has been around since the s and their first credit bureau-based scoring system became commercially available in VantageScore is a wholly owned subsidiary of the three credit reporting agencies.
The company has existed since , and four generations of the VantageScore credit score have been developed. This allows lenders the flexibility to use multiple credit reporting agencies for credit report data but still obtain the same credit scoring model brand regardless of which credit report they choose to procure.
Your scores, however, should be directionally similar, meaning if you have great credit reports, you will have great credit scores regardless of which credit report or credit score brand a lender chooses to use. The primary reason your scores probably won't be exactly the same is that your credit reports are unlikely to be identical.
If you have different credit reports, you'll have different credit scores. This does not apply to VantageScore's credit scoring models, as they are identical across the three credit bureaus.
It is possible that you can have scores on just one or two of your three reports. The reason why this can happen is that all of your credit reports must qualify to be scored, meeting minimum credit scoring criteria to make them scoreable credit reports.
This is called the scoring model's minimum scoring criteria. If all three of the aforementioned criteria are not satisfied, your file will not be scoreable.
VantageScore's criteria is more liberal. Its models will score credit files that have less than six months of history.
They will also score files that have had updates within the past six to 24 months and no open accounts. You might assume your credit reports would be similar enough that if one of them were scoreable, then the other two would also be scoreable. That's true for many consumers; however, because lenders are not required by law to report your credit information to any or all of the credit bureaus, it's possible that some of your credit experience isn't appearing on all three of your credit reports.
You can check your credit reports from all three bureaus for free at AnnualCreditReport. Optimally, you'd like to have a well-established and scoreable credit report with all three of the credit reporting agencies, eliminating the concerns about qualifying for a credit score.
If you do not have a credit score with all three of the credit bureaus, then it's a good idea to rectify that by establishing credit that will appear on all of your credit reports. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews. Advertiser Disclosure: The offers that appear on this site are from third party companies "our partners" from which Experian Consumer Services receives compensation.
This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms — and before applying you should understand the full terms of the offer as stated by the issuer or partner itself.
While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty. Experian websites have been designed to support modern, up-to-date internet browsers. Experian does not support Internet Explorer. If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks.
It is recommended that you upgrade to the most recent browser version. Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand.
Other product and company names mentioned herein are the property of their respective owners. Licenses and Disclosures. Advertiser Disclosure.
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