Credit bureaus collect data independently of each other–and
they typically do not share it. In addition, your creditors and lenders might
report data only to one or two of the credit bureaus. The end result is that
Equifax, Experian, and TransUnion credit reports might all look different from
Each credit bureau calculates your credit score with the
data in its credit file. For example, Experian calculates your credit score
with the data in your Experian credit report. So, if you have a collection
account that appears on your TransUnion credit report, but not on your Experian
credit report, then your TransUnion credit score might be lower.
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