How to Report to Experian, Equifax and Transunion

Reporting accounts to the three major credit bureaus (Transunion, Equifax and Experian) requires that you open a paid account with all three. Once you have accounts with the credit bureaus, you can submit relevant documentation supporting the existence of outstanding accounts or debts. Anyone submitting such information is bound by the Fair Credit Reporting Act (FCRA) to provide accurate information.

Instructions

How to Report to Experian, Equifax and Transunion

1. Gather all relevant documentation about the outstanding account or debt. You will need to supply the social security number, full legal name, date of birth and all relevant information about the status of the account. You will also need to include a copy of the contract establishing the account and a record of payments or nonpayment.

2. Sign up for memberships with Equifax, Transunion and Experian. Each has slightly different processes for reporting an outstanding account, but each has similar forms you will need to fill out.

3. Fill out the reporting forms for each of the three credit bureaus, including documentation relevant to the outstanding account or debt. Accounts that appear on all three credit bureaus are more challenging to dispute successfully. There are no fees for reporting additional accounts.

4. Request a copy of your credit report at least 30 days after you have reported the new account to ensure that the entry has been added correctly.

References

• AllBusiness: How Do You Report a Delinquent Account to a Credit Bureau?
• Credit Bureau FAQ
• My Credit Center: Credit Bureau FAQ

Resources

• Equifax Business Solutions
• Transunion: Business
• Experian Business Solutions