Understanding Your XDS Credit Report
Use your XDS report to check account details, payment information and enquiries. Differences with another bureau can be normal; investigate the underlying dates and records.
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REVIEW ONE BUREAU AT A TIME
What to review first
Check your identifying details, open and closed accounts, repayment information, enquiries and any adverse information. The exact layout can change.
- Identifying details
- Open and closed accounts
- Repayment information
- Enquiries
- Adverse information
COMPARE THE DETAILS, THEN ASK QUESTIONS
Compare, do not assume
A difference between bureaus is a prompt to investigate, not automatic proof that one bureau is wrong. Compare dates, account numbers, balances and source information.
- Dates
- Account numbers
- Balances
- Source information
FIND THE GUIDANCE THAT FITS THE ISSUE
If something looks wrong
Use the Credit Report Problems hub to identify whether the issue is incorrect, outdated, duplicated, unfamiliar or related to payment history, then follow the appropriate dispute path.
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