Why is some of my information wrong or missing?

The information contained in your report is a reflection of the information reported to the credit bureau.  Companies choose if and to which credit bureau they want to report.  If information was not reported it would not reflect on your credit report. If information was erroneously reported the information may also be incorrect on your report.  You can fix incorrect information by following these steps.  Credit records are reported for specific time periods.  If the time period for reporting have passed the account will no longer appear on your credit report.