Which credit bureaus does CreditRefresh work with?
CreditRefresh works with all three nationwide credit bureaus: Equifax, Experian, and TransUnion. It pulls all three reports because each bureau keeps its own separate file on you, and an error can appear on one, two, or all three. Disputes are sent to whichever bureau is actually reporting the item.
All three nationwide bureaus
CreditRefresh pulls your credit reports from Equifax, Experian, and TransUnion, the three nationwide consumer reporting agencies. Monitoring, AI analysis, and dispute letters all run across all three.
Why all three matter
Each bureau maintains its own file on you, and the files are not copies of each other. Lenders and collectors (the data furnishers) do not always report to all three bureaus, and the bureaus process what they receive independently. That is why an error can sit on your TransUnion report while your Equifax and Experian reports are clean.
Working from a single bureau's report means missing whatever the other two are saying about you. Scanning all three is the only way to get the full picture.
Disputes go to the bureau reporting the item
When the AI flags a disputable item, the letter goes to the bureau whose report actually contains it. If the same error appears on two or three reports, each of those bureaus gets its own dispute, because fixing your file at one bureau does not change the others.
What about specialty reporting agencies?
Beyond the big three, there are specialty consumer reporting agencies that cover things like banking history and insurance claims. CreditRefresh focuses on the three nationwide credit bureaus. Your FCRA rights, including the right to dispute, apply to specialty agencies too, but disputes with them are something you would handle directly.
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Your three credit scores differ because the bureaus — Equifax, Experian, and TransUnion — operate independently, receive different data from different creditors, update on different schedules, and feed that data into different scoring models. Gaps of 10 to 50 points are normal. Bigger gaps usually signal that one bureau is missing information or has a reporting error worth disputing.
Identify whether the error is in provider verification, a report pull or Analysis & Findings. Those are different steps and do not share one default cause.
CreditRefresh is an app that uses AI to find errors and FCRA violations on your credit reports, then drafts custom dispute letters to Equifax, Experian, and TransUnion. It pulls your reports automatically, flags inaccurate balances, outdated items, and reporting that violates federal law, and tracks each bureau's 30-day response. You approve every letter before it's sent.
Review the report date when comparing credit information. In CreditRefresh, opening Home can start a results check when one is due, and Refresh may reuse recent reports instead of obtaining a new report immediately.