How the reader is checked
Newest check: October 20, 2026
A report reader can be wrong in a way that looks right. So each time BureauGap's reader is run on a real credit disclosure, the result is written down with a date, and rows are added, never rewritten. This page is built from that record. Every figure below is copied from it, and a figure the record does not hold is printed as “not recorded”, never as a zero.
What each row measures
- Accounts read is how many accounts the reader found in the file.
- Creditor names read is the share of those accounts where it read a creditor name. The name is how the same account is matched across the three bureaus, so a low share would mean accounts are counted once per bureau instead of once.
- Lines read into a field and lines carried unread: every line of the file is read into a field, recognised as structure (a heading, a label, the bureau's own notices), or carried through unread and shown to you word for word. The shares add up to the whole file.
- Layout record says whether the row also holds which labels, headings and symbols that file printed (not their values), which lets a later pull be compared with it.
| Checked | Bureau | Accounts read | Creditor names read | Lines read into a field | Lines carried unread | Layout record |
|---|---|---|---|---|---|---|
| October 20, 2026 | Equifax | 84 | 94% | 33% | 0% | recorded |
| October 20, 2026 | Experian | 74 | 100% | 66% | 0% | recorded |
| October 20, 2026 | TransUnion | 80 | 100% | 69% | 0% | recorded |
| September 21, 2026 | Equifax | 83 | 94% | 33% | 0% | not recorded |
| September 21, 2026 | TransUnion | 79 | 96% | 69% | 0% | not recorded |
| August 31, 2026 | Equifax | 82 | not recorded | not recorded | not recorded | not recorded |
| August 31, 2026 | Experian | 72 | not recorded | not recorded | not recorded | not recorded |
| August 31, 2026 | TransUnion | 78 | not recorded | not recorded | not recorded | not recorded |
What these figures do not show
They do not show that every value is right. A line counted as accounted for was read into a field or recognised as structure. Nothing here compares a balance or a date with the bureau's own system. These are checks on whether the reader found and placed what the file printed, not on whether the file is correct.
Where it has not been checked
- Every bureau has been run in the most recent check.
The other checks
The reader that opens your PDFs in the browser is also compared, character by character, with a second and separate PDF reader on test documents, every time the code changes. That shows the two agree. It does not show either is right about a document neither has seen, which is what the rows above are for.
When you keep your reports on your computer, the console also keeps a short record of which labels and headings each file printed, so it can point out when a later file prints something an earlier one did not. It compares a bureau only with your own earlier files. The table above says which checks recorded a layout.
What this page is not
It says nothing about your credit file, and it does not advise on what to do about anything in it. It describes the software that reads your reports. Your reports themselves are never sent to us (see the privacy policy).