Not at all.
I didn't say the three were required to be identical.
But non matching items on reports is always the best leverage to bring about changes.
And there are laws centered around corrective actions that require all three to be notified in the event of a noted information disparity.
Resulting in all three tending to gravitate to being the same.
If this wasn't the case, why is it that some major lenders still only pull one report in evaluating credit worthiness Seems pretty pointlessly risky if it were easy to "hide" debt and debt history just by the luck of the draw.
This post was edited on 6/28 at 9:14 am