Your Smart Report is your Equifax, Experian, and TransUnion credit reports combined in one view. Each account appears once, with a column for each bureau, so you can see where the bureaus agree and where they don’t. Tabs sort your accounts into categories, color dots flag which accounts are hurting your credit, and each account opens to show every reported field and up to seven years of payment history.
This guide explains each tab, each field, and the payment history codes, including what each bureau calls the same field on its own report.
Key Takeaways
- Each account shows a column for each bureau that reports it. Many accounts report to only one or two bureaus, and that’s normal.
- A red dot marks an account with negative information. Those are the accounts SmartDispute.ai focuses on.
- Empty fields are common. A lender may not report a field, or it may not apply to that type of account.
- Differences between the bureaus, like a different balance or date for the same account, are often where dispute opportunities are.
Your Credit Scores
The top of your Smart Report shows your VantageScore 3.0 credit scores from TransUnion, Equifax, and Experian, on a scale of 300 to 850, with the date your reports were pulled and when the next update is due. Your reports and scores update monthly while your membership is active. Lenders may use different scores, so the numbers a lender sees can differ. Here’s why scores change and differ by bureau.
The Smart Report Tabs
| Tab | What it shows |
|---|---|
| Summary | An overview of your three reports, standardized so you can compare totals across bureaus |
| All Accounts | Every account reported by any bureau, positive and negative, open and closed, with a count |
| Creditor Contacts | The name, address, and phone number each bureau lists for the companies on your reports |
| Late Payments | Accounts reporting a payment 30 or more days late in the past seven years |
| Collections | Accounts reported by a collection agency or debt buyer, usually with an original creditor listed. Here’s what a collection account is. |
| Charge-Offs | Accounts the original lender wrote off as a loss. SmartDispute.ai keeps these separate from collections because they’re disputed differently. Here’s how they differ. |
| Inquiries | Hard inquiries from credit applications. Soft inquiries don’t count against your score. |
| Public Records | Bankruptcies, the only public records the bureaus report today |
The Account Fields
Click the plus sign next to any account to open it. Each field shows a value for each bureau that reports the account. The bureaus don’t use the same names, so the last column shows what to look for if you compare with your own reports from AnnualCreditReport.com.
| Field | What it means | What the bureaus call it |
|---|---|---|
| Account Name | The company reporting the account, also called the furnisher. Spelling often differs by bureau. | Account name at all three |
| Account Number | The account number, usually partly masked | Equifax shows the last four digits; Experian the first digits; TransUnion a partly masked number |
| Balance Owed | The balance as of the lender’s last update | Balance |
| Date Account Reported | When the lender last updated the account | Equifax: Date Reported; Experian: Balance Updated; TransUnion: Date Updated |
| Account Status | Whether the account is open, closed, or transferred | Shown in the account heading or status at each bureau |
| Date Opened / Date Closed | When the account was opened and closed | Date Opened at all three; Date Closed at Equifax and TransUnion |
| Last Activity | A recent date on the account. Each bureau supplies a different kind of date here, so a difference between columns doesn’t mean anything is wrong. | Equifax: Date of Last Activity. Experian: the date the account’s status was last updated. TransUnion: usually the date of the last payment. |
| Account Type / Responsibility | The kind of account and whose debt it is (individual, joint, authorized user) | Equifax calls responsibility Owner |
| Term Length | How long an installment loan runs | Equifax: Term Duration; Experian and TransUnion: Terms |
| High Balance / High Credit | The highest balance on a card, or the original amount of a loan | Equifax: High Credit; Experian: Highest Balance; TransUnion: High Balance |
| Credit Limit | The limit on a card or line of credit | Credit Limit |
| Monthly Payment | The scheduled payment | Equifax: Scheduled Payment Amount; Experian and TransUnion: Monthly Payment |
| Last Payment (DOLP) | The date of the most recent payment | Equifax: Date of Last Payment; TransUnion: Last Payment Made. Experian doesn’t print this date. |
| Current Payment Status | How the account stands now, such as current, late, or collection/charge-off | Equifax and Experian: Status; TransUnion: Pay Status |
| Amount Past Due | The amount currently overdue, not the full balance | Equifax: Amount Past Due; Experian includes it in the Status sentence |
| Original Creditor | The company the debt started with, shown on collection accounts | Shown on collection accounts at each bureau |
| First Delinquency (DOFD) | The date the account first went late and was never brought current, which sets how long negative information can stay | Only Equifax prints it (Date of 1st Delinquency). Experian and TransUnion show a removal date instead: On Record Until and Estimated month and year this item will be removed. |
| Remarks | Comments the lender added, such as “account closed at consumer’s request” or a dispute note | Equifax: Narrative Codes; Experian: Comment; TransUnion: Remarks |
| Creditor Info | The company’s address and phone number as each bureau lists it | Contact information under each account |
Seven-Year Payment History
Each account shows a month-by-month grid for each bureau. The codes:
| Code | Meaning |
|---|---|
| C (green) | Paid on time |
| 30, 60, 90, 120 | Days past due that month |
| CC | Collection or charge-off |
| BR | Included in bankruptcy |
| RF | Repossession or foreclosure |
| VS | Voluntary surrender |
| N/A | Nothing reported that month, which is neither positive nor negative |
What to Look For
- The same account with a different balance, date, or status at different bureaus
- Late payments for months you paid on time, or late payments that skip a step (current one month, 90 days late the next)
- A paid or sold account still showing a balance
- The same debt reported twice, such as a charge-off with a balance and a collection for the same debt
- Accounts, addresses, or inquiries you don’t recognize
When you’re ready, click Create New Dispute. Here’s how to create and track disputes.
Frequently Asked Questions
Why does an account show at only one or two bureaus?
Not every lender reports to all three bureaus. That’s normal. If the account is wrong, dispute it with the bureau that shows it.
Why are some fields empty?
The lender may not report that field, or it may not apply to the account type. Sometimes a missing field is an error worth disputing, and SmartDispute.ai flags those.
Why is the account name different at each bureau?
Each bureau records the lender’s name its own way, such as an abbreviation at one bureau and the full name at another. It’s usually the same account.
How often does my Smart Report update?
Monthly, while your SmartMonitor.ai membership is active. You keep your past reports, so you can compare one month with the next.
Need Help?
Contact us by chat, by email at [email protected], by phone at (910) 597-2636 Monday through Friday from 9 a.m. to 5 p.m. Eastern Time, or on Facebook Messenger.
