Why isn't my bureau credit report the same from all three of the credit bureaus?

Creditors do not always report to all three bureaus, so each bureau may have somewhat different information on any one individual. Additionally, a creditor who reports to more than one bureau may deliver updated account information to different bureaus at different times, resulting in each bureau having different information at any given time. Keep in mind that reporting to credit bureaus is completely optional - there is no requirement for any creditor (or any other type of company) to report to a credit bureau.