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Why don't my credit reports match?

When you compare your TransUnion and Equifax reports on Credit Karma, you may notice that certain information, such as your credit card balances or limits, may not match exactly.

Here are a few reasons why your reports may differ:

Lenders report to different bureaus at different times.

At Credit Karma, your reports can be updated  weekly, but keep in mind that while many lenders report to the bureaus, they don’t always report to each bureau at the same time.

A lender might not report to both TransUnion and Equifax

Some lenders choose to report to all three major consumer credit bureaus, while others may report to just one or two. If you’re wondering whether this is the case, contact the lender directly to ask.

There may be an error in one of your credit reports.

The reports you see on Credit Karma may not be exactly the same, but they should at least be accurate. Keeping in mind the reasons above, double-check you TransUnion and Equifax credit reports to make sure there isn’t any incorrect information.

If you find incorrect information on your credit reports, check out these resources for guidance:

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