Confusion About Credit Reports

The information listed on the reports does not come from the bureaus, they come from creditors. Creditors pay a fee to the bureaus for the service of updating and recording this information about all of our paying patterns across the country. Experian shows accounts and account names with paragraphs to the right displaying more detailed information about payment history and dates. Experian and Trans Union both list negative information first and clearly display the beginning of positive information as opposed to Equifax that combines all accounts together which makes it more difficult to decipher negative from positive. The score given to the consumers are not the same as the score bankers use which are for the most part FICO Scores.