Frequently Asked Questions(FAQ)

Why do I have different credit scores with the different credit bureaus?

You may have different credit scores with different credit bureaus because each bureau uses its own credit scoring model to calculate your score. Additionally, creditors and lenders may report information to one or more bureaus, but not the others, which can result in different information being reflected on each credit report. 

What information do the credit bureaus collect for credit reports?

The credit bureaus collect a variety of information to create credit reports, including:

  • Personal identifying information
  • Credit account information (i.e., balances, payment history, and credit limits)
  • Public records (i.e., bankruptcies or tax liens)
  • Inquiries, or requests made by lenders or creditors to check your credit

This information is used to calculate your credit score, which lenders and creditors use to determine your creditworthiness when you apply for credit. 

Which credit bureau is the most important?

Technically, Experian is the largest credit bureau. That said, no one credit bureau is more important than the others, as lenders and creditors may use any or all of the three credit bureaus to check your credit history and determine your creditworthiness. 


  • Experian Credit Education: This page provides resources for businesses seeking to improve customer management through credit education. The page offers a variety of solutions to help businesses understand credit management, including credit reports, scores, and monitoring tools.
  • Equifax Resources Library: Equifax’s resources page provides a wealth of information and resources for consumers and businesses alike. The page offers a variety of content, including articles, webinars, whitepapers, and case studies on topics such as credit reports, identity theft protection, credit scoring, and fraud prevention.
  • TransUnion Tools & Calculators: TransUnion offers several tools, including a credit score simulator, debt consolidation calculator, credit freeze calculator, and more.
  • Credit Reports and Scores: The CFPB offers a variety of tools and educational content, including information on credit reports, credit scores, and how to dispute errors on your credit report. Consumers can also access resources on credit monitoring and identity theft protection.

About the Authors

Christopher Murray

Written by: Christopher Murray

Personal Finance Expert

Christopher Murray is a professional personal finance and sustainability writer and editor who enjoys writing about everything from budgeting and saving to unique investing options like SRI and cryptocurrency.

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