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Mistakes do happen from time to time. If you think your credit reports are different due to legitimate errors, you can dispute those errors with each credit bureau. If you notice any big discrepancies between your credit reports, there might be an error. There are a number of ways to find and dispute these errors. Start by reviewing your free report from Equifax on Credit Karma.

If you come across an error on your TransUnion report, you can submit a dispute without leaving Credit Karma. You can generally expect TransUnion to review your claim within 30 days.

But keep in mind that it may take a little longer for the changes to show up on your credit reports. Credit Karma partners with Equifax and TransUnion to provide free credit reports from those two bureaus.

Your reports can be updated weekly, and you can check them as often as you like with no impact on your credit scores. Under the Fair Credit Reporting Act, you are also entitled to a free annual credit report each year from each of the three major consumer credit bureaus. To request a free copy of your credit reports from Equifax, Experian and TransUnion, visit the official site, annualcreditreport.

The Fair Credit Reporting Act is an important law that gives you the right to know the information that the credit bureaus keep on you and how that information informs your credit scores. This law includes a number of consumer rights and protections. For example, under the FCRA you have the right to dispute incomplete or inaccurate information on your credit reports. In most cases, the credit bureau must investigate your case and correct or remove any inaccuracies within 30 days.

No, checking your free credit reports on Credit Karma will not hurt your credit. This is considered a soft inquiry. The credit reports you see on Credit Karma come directly from Equifax and TransUnion and should reflect any information reported by those credit bureaus. If you spot an error on either of those credit reports, Credit Karma can help you dispute it. No one credit report is innately more accurate than the others. This is partly because lenders are not required to report your information to all three credit bureaus.

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