Sample file: synthetic example

Credit report from

compared with

Read from SmartCredit. Northpeak Store Card is new.

Equifax: 624VantageScore 3.0
Experian: 595VantageScore 3.0
TransUnion: 605VantageScore 3.0

How to read this

Every difference is a lead to check, not a conclusion. Under FCRA §611 a bureau has to reinvestigate a disputed value, usually within 30 days.

≠ $86: This bureau’s value differs from the others. Only the odd value out is highlighted. When only two bureaus report and they disagree, both values are marked: check the account documents before picking one to dispute.
≈ Open: Worded differently or a normal reporting lag, so it isn’t flagged.
p. 9: Opens the uploaded report at the page the value was read from. A value shows its own page only when it differs from the account’s source page.

The scores printed on the report are shown for reference only: each lender uses its own scoring model, and a dispute is about whether the information is accurate, not about the score.

Accounts

1 doesn’t match across the bureaus, so it comes first.

A highlighted value marked not equal means this value doesn’t match what the other bureaus report. That’s the value to check or dispute.

2 fields don't matchIn dispute at EX

Credit card, negative.

Experian’s round 1 answer is due Sun, Nov 15.

Each field as Equifax, Experian and TransUnion report it. Highlighted values don’t match the other bureaus.
Differs	Field	Equifax	Experian	TransUnion
	Account type	Credit card	Credit card	Credit card
	Account status	Charged off	Charged off	Charged off
≠	Current balance	$0, differs from Experian and TransUnion, $615	$615	$615
≠	Date opened	10/27/2020	10/27/2020	12/01/2020, differs from Equifax and Experian, 10/27/2020
	7 more matching fields.

Account type
All 3
Credit card
Account status
All 3
Charged off
Current balance
Equifax
$0, differs from Experian and TransUnion, $615
Experian
$615
TransUnion
$615
Date opened
Equifax
10/27/2020
Experian
10/27/2020
TransUnion
12/01/2020, differs from Equifax and Experian, 10/27/2020
7 more matching fields

Why it matters

The bureaus can’t all be right about balance and date opened, and the balance is what the account says is still owed. The Fair Credit Reporting Act says a bureau has to check a value you dispute, and fix or remove it if it can’t be verified, so dispute the value you believe is wrong.

3 more to check, with no values that differ

Matches at all 3

Auto loan, negative.

$185 past due.

Your TransUnion dispute for this account isn’t mailed yet. Open Disputes

Each field as Equifax, Experian and TransUnion report it. Highlighted values don’t match the other bureaus.
Field	Equifax	Experian	TransUnion
Account type	Auto loan	Auto loan	Auto loan
Account status	Open	Open	Open
Past due	$185	$185	$185
Comparison check Past due on a current account at Equifax. This account shows an amount past due while also being reported as current. Comparison check Past due on a current account at Experian. This account shows an amount past due while also being reported as current. Comparison check Past due on a current account at TransUnion. This account shows an amount past due while also being reported as current.
8 more matching fields.

Account type
All 3
Auto loan
Account status
All 3
Open
Past due
Equifax
$185
Experian
$185
TransUnion
$185
Comparison check
Past due on a current account at Equifax. This account shows an amount past due while also being reported as current.
Comparison check
Past due on a current account at Experian. This account shows an amount past due while also being reported as current.
Comparison check
Past due on a current account at TransUnion. This account shows an amount past due while also being reported as current.
8 more matching fields

Why it matters

The bureaus match, but the check above is about past due, and a past-due amount tells lenders the account is behind on payments right now. The Fair Credit Reporting Act says a bureau has to check a value you dispute, and fix or remove it if it can’t be verified, so dispute the value you believe is wrong.

Matches at bothIn dispute at EX

Collection, negative, not reported by Equifax.

$1,284 balance.

Your TransUnion dispute for this account isn’t mailed yet. Open Disputes

Experian’s round 1 answer is due Sun, Nov 15.

Each field as Equifax, Experian and TransUnion report it. Highlighted values don’t match the other bureaus.
Field	Equifax, not reporting	Experian	TransUnion
Account type	Not reported	Collection	Collection
Account status	Not reported	Collection	Collection
Date of first delinquency	Not reported	10/28/2018	10/28/2018
Comparison check Past the 7-year reporting limit at Experian. This negative account appears to be older than the 7-year limit and may be required to come off your report. Comparison check Past the 7-year reporting limit at TransUnion. This negative account appears to be older than the 7-year limit and may be required to come off your report.
6 more matching fields.

Account type
Equifax
Not reported
Experian
Collection
TransUnion
Collection
Account status
Equifax
Not reported
Experian
Collection
TransUnion
Collection
Date of first delinquency
Equifax
Not reported
Experian
10/28/2018
TransUnion
10/28/2018
Comparison check
Past the 7-year reporting limit at Experian. This negative account appears to be older than the 7-year limit and may be required to come off your report.
Comparison check
Past the 7-year reporting limit at TransUnion. This negative account appears to be older than the 7-year limit and may be required to come off your report.
6 more matching fields

Credit card, positive, reported by TransUnion only.

New at TransUnion since Sep 25.

2 more accounts match at all three bureaus: Corbel Student Loans and Ostrel Card Services.

Also on this report

A flagged detail appears at one bureau only. If you don’t recognize it, it may belong to someone else.

Detail	As reported	Bureaus
Name	JORDAN ELLISName, all three bureaus	All three
Address	123 SAMPLE ST, SPRINGFIELD, IL 62701Address, all three bureaus	All three
Address	88 UNKNOWN RD APT 4, DENVER, CO 80203Needs a check: Address, only at TransUnion	Needs a check: Only at TransUnion

Credit report fromOct 25Sep 25

Accounts

Also on this report

Credit report from