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Why don't my credit reports match?

When you compare your TransUnion and Equifax reports, you may notice that certain information, like your credit card balances or limits, vary between them. There could be a few reasons for this. Here are the most common.

  1. Your lender reports to different bureaus at different times. Though most lenders report to the bureaus once a month, they don’t always report to each bureau at the same time. At Credit Karma, you can update your reports as often as once a week to see any changes to your credit utilization rate calculation.

  2. Your lender doesn’t report to both bureaus. Some lenders choose to report to all the bureaus, while others prefer to report to just one or two (or none at all). If you’re wondering whether this is the case, you can contact the lender directly to find out.

  3. There’s an error in one of your credit reports. If your situation doesn’t fall into the first two scenarios, it could mean that there’s an error in one of your credit files. In this case, you can dispute the error with the credit bureau to try to get it resolved.

If you’d like to know more about why your credit reports can vary, you can read up on it here.


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