In comparing the three informational reports, you may notice slight differences (not necessarily mistakes) in the data each company has collected. This is because the records of some reporting agencies go back further than others. Different information can also mean that certain creditors have reported your account data to one of the three reporting agencies, but not the other two.
But what if you do find a mistake? Don’t get upset. Just make an effort to set the record straight as quickly as possible. Contact the credit agency that reported the mistake. Don't use “credit repair” companies. These firms are expensive and may encourage you to challenge virtually everything on your credit record.
A more sensible action plan is to: