Today any resident can have one free copy a year of their credit report from each of the three national credit bureaus. The annual free credit reports are mandated by to reduce the incident of identity of theft by encouraging consumers to regular check their credit histories for suspicious activity, such as a new credit card account that was never requested.
The three national credit bureaus are competing companies. The gather all the details of their consumer separately, they dont share their consumers data with each others. Though the format of credit report of three national credit bureaus in different but they all has got the same informations about their consumers like former address, employers, fraud alert, recent inquiry by credit generator, and all other public records on which the credit report is based on.
The trade lines includes the credit limits, balances owing, the payment histories of loan , credit card and all other accounts as reported by the subscribes to the respected bureaus whether Experian, Equifax or Trans Union.
As this bureaus dont share their data. Its common to find a difference in the data, as well as the scores for the same...