Most people assume there's one central credit file — one master record that lenders pull. That assumption is wrong, and it's costing consumers thousands of dollars at the loan closing table. Experian, Equifax, and TransUnion are three separate, competing corporations that do not share data. A collection account can exist on one report while the other two are completely clean. A mortgage lender pulls all three and uses your middle score — which means one dirty report you never knew about can determine your interest rate. Harry Jacobs explains the tri-monthly audit system, how to dispute across all three bureaus, and why a couple almost lost their home over a paid collection that only appeared on one report.

If you would like a free consultation with Harry Jacobs at Credit Restoration of Nevada, text CREDIT or call 702-778-2000. You may also visit us online at TheCreditShow.info

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