Methods and apparatus to update credit bureau data are disclosed. The
methods and apparatus provide a credit reporting transport server that
stores credit information sent by the credit data providers. This data
may be queued by the credit reporting transport server and forwarded to
the credit bureau servers. Although credit data providers still receive
credit reports based on this data from the credit bureaus, the data
stored by the credit reporting transport server may be reviewed and
modified by the submitting credit data provider at any time. Modified
data is then sent to the credit bureaus to keep the credit bureau
database up to date. In addition, the credit reporting transport server
checks for errors, corrects some error, logs the transaction, and issues
an electronic receipt to the credit data provider indicating the status
of the data update.