Most people believe that their account data needs to be reported to all credit bureaus. Who wants 3 credit scores anyhow? This stuff is already confusing enough. Not all companies can report to all credit bureaus for various reasons.

​The reality!
When mortgage lenders pull your credit reports they combine all the data into one report. When their software sees duplicate information, the system simply ignores the duplicates and continues on with the underwriting process.
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For example, all home loans in the US are processed through a government program called Fannie/Freddie. When the mortgage officer pulls your credit file they pull from the big 3 credit bureaus. If you do not have a score on all 3, then they will use just the ones you do have data with.
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When they pull your report they upload it into the underwriting software and ALL duplicate data is disregarded. So if you have your rent on one bureau, that is all you need to keep you moving towards success.

For Example:
If you have a car loan for $30,000 reporting on all 3 credit reports, the underwriting software will compare account numbers to make sure you do not own 3 cars and have 3 accounts with $90,000 in debt on each. It recognizes they are the same and simply ignores the duplicates.

TransUnion was the first credit bureau that adopted a 3rd party verification process to report your rent without you having to change the way you pay your rent. They started reporting back in 2014.
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​Equifax

Equifax was the second credit bureau that adopted a 3rd party verification process to report your rent without you having to change the way you pay your rent. They started reporting back in April 2021.
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