10/07/2021
Experian, Equifax, and TransUnion all collect information from court records, banks, credit card companies, finance companies, department stores, cellular phone companies, and many other companies issuing credit. The CRAs do not necessarily have the same credit information because not all creditors and lenders send reports to all three agencies, and the agencies do not all collect information from the same public records. One CRA may have incomplete information, for instance reflecting a tax lien but not the amount or the fact that it was released. Another might not even report the lien.
