Quote:
Originally Posted by xoxoxoBruce
I was under the impression Equifax, Experian, and TransUnion have files on everyone who has a credit card, bank account, or ever borrowed money.
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Each consumer reporting agency collects and aggregates personal information, financial data, and alternative data on individuals from a variety of sources with which that reporting agency has a relationship. A consumer's credit file may contain different information at each of the consumer reporting agencies evidenced by the fact that FICO scores can vary depending on which agency provides the information to FICO to generate the score.